Tag Archive | "Social Security"

Social Media Government Intrusion


Here’s how governments use social media to reduce our privacy.

The sun always shines somewhere.  Over the past 50 years, our publications in print, and later at this site, how new technology offers a global lifestyle that takes advantage of the light.

The darker side of this perspective is that governments have used the same evolving science to reduce our privacy and freedom.

Social media is the new tool that governments are using to track you down.

The New York Times article “On Disability and on Facebook? Uncle Sam Wants to Watch What You Post” (1) says:

In its budget request to Congress last year, Social Security said it would study whether to expand the use of social media networks in disability determinations, partly to help identify fraud.

“There is a little bitty chance that Social Security may be snooping on your Facebook or your Twitter account,” Robert A. Crowe, a lawyer from St. Louis who has represented Social Security disability claimants for more than 40 years, said he cautioned new clients. “You don’t want anything on there that shows you out playing Frisbee.”

As with all government restrictions, the erosion in our freedom begins under the guise of something good. 

In this case, the government is proposing to use social media, like Facebook and Twitter, to help identify people who claim Social Security disability benefits when they are not truly disabled.

Sounds pretty good… catching false disability claims. Right?

The problem is, once the government gets a tool like this in place… it will likely be used in increasingly destructive ways.

Take income tax as an example. The 16th Amendment in 1913 allows Congress to tax income without basing it on population or dividing it up among the states.

When the amendment was passed the tax rate was only  1 percent, after credits and a personal exemption of $3,000 were deducted.  Most people were not taxed and did not care.

We all care about tax rates now!

This chart from Wikipedia shows how income tax grew once the government was able to use it.

wikipedia

This expansion of government interference in our personal lives is one reason why the number of Americans who definitely plan to become expats nearly doubled in the last decade.

businessinsider.com

If you relocate to Ecuador’s coast, our  friend and Ecuador beach attorney, Floridalva Zambrano, who has helped us buy and sell over a dozen real estate units on the Ecuador beach, has merged her law firm ZAMBRANO & ASOCIADOS.

We trust her completely.

She is one of the few Ecuadorian attorneys who can help issue US title insurance on Ecuador property.

Now Flori’s practice is expanding.

She sent this note:  ZAMBRANO & ASOCIADOS is pleased to announce that, as of March 1, 2019, we have the valuable cooperation of Suquilanda Law Firm (THE LEGAL BRAND CIA. LTDA.), a law firm with offices in Quito and Manta, with more than 17 years in the local market, that provides legal counsel and comprehensive legal representation and consulting services to individuals and companies at the national and international level. Immigration, public contracts and defense in tax issues, as well as judicial and extrajudicial cases in civil, commercial and labor matters are also part of their field of services.

Here is one of our Ecuador real estate tours meeting with Floridalva Zambrano.  We have referred hundreds of expats to Flori without a complaint.

ecuador-beach-prices

Flori is one of the few attorneys with such experience that when she conveys a property, a US title insurance company will provide US title insurance.

Anyone interested in Ecuador beach property can feel confident in using Flori.
Gary

Learn Spanish in Three Days ONLINE

The “Learn Spanish in Three Day Course” is now available online.

Learn Spanish in a day, or a week, month or any time frame that works for you.

I’m Gary Scott.  Over fifty years ago I started a business that has helped hundreds of thousands of subscribers learn about investing in Hong Kong (1960s and 1970s), Switzerland, London, Isle of Man (1970s and 1980s) and across Europe.  In the 1990s we took investors to Panama, Mexico and Ecuador.  That’s when we realized an incredible need for an easy way to learn Spanish.

See below how my wife Merri was able to create a program that allowed students to be speaking and understanding Spanish in just three days.

Thousands of subscribers have learned Spanish at our three day Super Spanish course.  These courses have been taught across the US, in Canada, Panama, Mexico, Ecuador, Uruguay and Spain.

spanish

A Super Spanish course in Florida.

Read below to see how and why we are now offering our Super Spanish course ONLINE for the first time.

Speaking Spanish as a second language has huge benefits.

You can become one of the rare North Americans who can get along in Spanish speaking countries.  You can be one of the special people who can communicate with 10 million non-English speakers in the USA.  Spanish is the second most used language in the USA.  There are more Spanish speakers than speakers of Chinese, French, German, Italian, Hawaiian, and the Native American languages combined.  According to the Census Bureau, Spanish is the primary language of nearly 50 million people in the US.  This is the largest Spanish-speaking community outside of Mexico. Only half of these speakers also speak English “very well,” and 19% do not speak English at all.

You become one of a leading few when you speak Spanish.  Yet there are more benefits.

An article in England’s leading newspaper, the Telegraph, entitled “Why learn a foreign language? Benefits of bilingualism” (1) sum up the biggest benefit of learning a second language and increased intelligence.  The article says (bolds are mine): “Learning a foreign language is more than just a boost to your CV or handy for traveling. 

It will make you smarter, more decisive and even better at English. 

Physiological studies have found that speaking two or more languages is a great asset to the cognitive process.  The brains of bilingual people operate differently than single language speakers, and these differences offer several mental benefits.”

The article then explains studies that show seven cognitive advantages gained from learning a foreign language.

#1:  You become smarter
#2:  You build multitasking skills
#3:  You stave off Alzheimer’s and dementia
#4:  Your memory improves
#5:  You become more perceptive
#6:  Your decision-making skills improve
#7:  You improve your English

Does it sound impossible to learn Spanish in three days?  Yes, it is impossible when you try to learn Spanish in the old, traditional way.

You may choose to take more time using the ONLINE course to learn Spanish, but thousands of our readers have learned to speak Spanish in only three days at our Spanish courses.

There is a scientific method of learning… proven and described in numerous best selling books that create educational jumps by making education natural, easy and fun.   This course works because it is education without stress!

A special method of learning (called Super Learning) was created and refined by the Bulgarian educational master, Georgi Lozanov.   Lozanov transformed the entire Soviet educational system to such a degree that this third world country beat the USA into space.

My wife Merri was lucky to be one of a handful of students outside of Bulgaria who were allowed to be taught this system in the early 1970s.  She practiced this unique and remarkable form of education for  four decades. It was a delight!

Merri and I began integrating these techniques with other shamanic and educational tactics we had gained in our global travels and then applied them to teach Spanish in three days.

The course has been proven again and again by the thousands who have used this system.  You can read a few of the many raves we have received from students who have learned from the Super Thinking Spanish course we created.

Here are a few quotes from delegates of the course.

One delegate from St. Louis wrote:  Hi Gary,  Just ended forty-five years in dentistry last week, and I’m on to a new career.  What is my new career?  Still formulating, but the eye -opening,mind expanding Super-Spanish course last weekend in St. Louis surely shows me the opportunity exists to expand my horizons.

Besides having a lot of nice people to learn our new language; the methods Merri and you developed proved to be just what you said they would be.  We all and I in particular relaxed our way to new learning.  I feel so very comfortable with the basis of my new language skills that I know I will be spitting out great Spanish sentences by the time I reach Ecuador in October.  Last year I spent six weeks in Ecuador and now I plan on conversing with the people.

Today’s excerpt of your newsletter really hit home. You do what you say you will. There are no surprises or hidden sales tricks. The only tricks are beneficial to our learning.  Thank you for a wonderful experience that I was quite unable to grasp how you would pull it off.  You did, however, and I look forward to other courses that you offer, and I have absolutely no doubt they also will work beneficially.  Best regards, Denis Molloy.

Another wrote about the Super Spanish course:   Buenos Dias, here is a testimonial for Super Thinking-Super Spanish.  Please feel free to use all or part in promotions for the course.  In addition, you may give my email address to any prospect “on the fence” about enrolling.  Yesterday, in Cotacachi, Ecuador, I finished Super Spanish.  I had high expectations for the course and they were exceeded.

After three days, I can speak Spanish in complete sentences. In simple conversations, such as buying groceries or ordering a meal, I can make myself understood. I think that’s incredible!

Although I am far from the competence level of a native speaker, I feel I’ve taken a giant step forward in learning Spanish so that I can experience the people and culture of Ecuador.  The foregoing benefits would have more than justified the time and money I invested in Super Spanish.  And learning some Spanish was not the most important benefit I got from the course.

Prior to leaving the USA, I had felt for some time that the pace of life there was unhealthy for me (and for most people) and I did nothing about it.

I’ve thought about the pace issue during the course.  One of the key elements Merri Scott designed into Super Spanish is placing the student in the optimal state for learning.  In class, the past three days, I’ve been re-introduced to guided journeys and introduced to the calming effects of Baroque music (www.sundaybaroque.org).  What a blessing! I’m inclined to make one or both a daily part of my life.   Rob Christi.  Cotacachi, Ecuador

Another attendee from a course wrote:   “I took this incredible class a few weeks ago, and I would like to tell anyone that is interested, that it is an amazing three days of learning with lots of laughs included. You leave everyday wanting to learn more and are so excited to do so.

“Other Spanish classes and tutoring made us feel like it would take forever to get to the point where we could put it into practice, but this method gave us a more fluent use for everyday life almost immediately AND the confidence to use it.  It is a fantastic way to show people how much they know and give confidence to learn and use Spanish creating a momentum.

“They made learning Spanish easy and fun in a very relaxed, comfortable atmosphere.  I would definitely recommend this course.  Even if you know some Spanish, this helps make it easier because of the less stress that no verb conjugations gives you.  This gives you more confidence in yourself to try and speak it more.

 “The stress free atmosphere and tons of interaction and participation were very conducive to learning.  The relaxation techniques alone are worth the price.  The fact that I can now feel more comfortable conversing in Spanish with my new friends and neighbors is priceless.  Muchas, muchas gracias.”

“I loved the relaxed environment.  I picked up quite a lot of new vocabulary.  I found this course very informative about how the language works, how I can make sentences and understand others better!  Muchas Gracias!  I had a call from Telcel (the local phone company) after our second class and I was able to speak and understand them for the first time. Despacio (meaning slowly) … a great word!  Everyone should take this course before they pick up bad habits.”

“I liked how simply the course was organized and the positive attitude about learning.  Thank you so much for helping me to learn Spanish!”

“I liked the laid back yet professional approach.  I highly recommend this new, relaxing method of learning Spanish,  I feel a lot more confident in the delivery of my words and sentences. It was taught in an excellent and very professional way.

“It was a very enjoyable class.”

How The Course Works

The first tactic is to use Baroque music to create Relaxed Concentration in the learning process.  At least three best selling books, “Superlearning”, the “Mozart Effect” and “Superlearning 2000” have revealed insights about how to learn and think more powerfully based on systems drawn from the Bulgarian educational master, Dr. Georgi Lozanov.  

Merri was among just a few who learned directly from Lozanov.

gary scott super thinking session

Super Spanish relaxed concentration session.

You gain six valuable ONLINE Relaxed Concentration sessions in the online course that is delivered via the internet.

The second tactic uses 17 unique lessons to provide Spanish fluency in a short time.   Let me prove to you how this tactic works by teaching you hundreds of Spanish words in less than 30 seconds.

Here is the proof.

“Most words in English that end in ION are almost identical, just pronounced differently.  For example action is accion, education-educacion, manipulation- manipulacion, etc.”

There you have it.  How long did it take you to read the sentence?  You now know hundreds of Spanish words that you will never forget.

See examples of the words you already know below.

How long would have taken you to memorize all those words?  How soon would you have forgotten them?

This is just one of seventeen Spanish lessons in the course.

The next lesson teaches how to pronounce each of the nouns.

Then, the third lesson teaches almost as many verbs, almost as quickly.

The fourth lesson shows how to avoid conjugating verbs by sticking with the infinitive (far easier than it sounds).  This simple lesson leaves a person sounding like a Spanish professor without ever conjugating a verb.

Lesson five shows how to sound infinitely polite and yet get almost anything desired in Spanish.

Lesson six gives valuable connectors and the seventh lesson triples the Spanish capacity with three words for “yesterday,” “now” and “tomorrow”.

By the end of three days you feel comfortable speaking Spanish.

Plus the system is Impro-Dynamic.  This means your Spanish keeps getting better even though you do not seem to be studying… practicing… or speaking Spanish.

I was amazed by this as I traveled back and forth from the USA to Ecuador.  The longer I was away from Ecuador… the better my Spanish became.  My second language was automatically improving The self improving feature comes because you learn to create Spanish sentences rather than remember them.  The portion of the brain that creates is more powerful than the portion that recalls.  When your mind creates something… it owns it!  You do not have to remember .

During the course you learn 4005 Spanish words that you already know.   This eliminates the need to memorize 99% of Spanish words.

You then learn how to create Spanish sentences from these words.

Throughout the course you learn how to pronounce the sentences you create.

When the course ends… the mind keeps working… and creating… so next time you begin to speak Spanish you’ll be surprised .  You improve even though you have not actively worked on your lingual skill.

Due to the difficulty of getting groups together to learn this valuable technique, we created an online program for subscribers to use the Super Spanish course at home.   The normal three day course fee is $499 ($749 for a couple).

The ONLINE course is available at the highly reduced price of $79.

I’ll be in touch personally via email with each person who signs up for this course to see how it works or what is required to make it better.  Once this test is complete, we plan to offer the program on a larger scale and at a much higher price.

The ONLINE course has our, full satisfaction or money back, guarantee.  Try Super Spanish for 60 days.  If not fully satisfied, simply let us know for a full refund.

Learn Spanish online $79

Here are more testimonials from previous Super Spanish Courses.

Maggie wrote: It didn’t really seem possible that we would be speaking and understanding Spanish in only 3 days but the course made it happen in a very supportive learning environment.  I would highly recommend this course for anyone wishing to learn “practical Spanish”.  The teaching methods, use of relaxation, the use of native Spanish speakers for pronunciation and the teachers themselves who were approachable and helpful and always positive made this a very valuable class.

This course improved my self confidence in my ability to learn and retain a language.  It was presented with genuine enthusiasm, great energy and the style of learning is very effective. Gracias!  It was a great experience.

Nadine wrote: “Just spent the last 3 days in the most wonderful learning environment learning Spanish.  What an amazing learning experience!!  First day out of class and I could not stop thinking in Spanish WOW!!  I am amazed by how much I learned, retained and how much more is showing up now that I am out of class.  And the best part is THERE WAS NO STUDYING!! Indeed this is Super Thinking!!!  I would highly recommend this to anyone that has ever had a desire to learn another language or learn anything in record time.

And a few days after that ….  As I went through my day, just hanging out with my son, I could see myself starting to think in Spanish.  At first I thought it was amusing but as it continued and increased I thought “My goodness this is really remarkable amazing” It was really an effortless unfolding.  I wasn’t at any point “trying” to think in Spanish, just words I knew would fly across the screen in my mind.  And then this afternoon, my son cuddled up on the couch to watch some cartoons on his ipad and was watching Peppa Pig in Spanish…hmm coincidence?  I think not, I’m radiating Spanish so much that my son is being influenced!  Thanks a million again.  This weekend the best learning experience of my life!!

If you have ever had a desire to learn Spanish this is the way to do it!  By the end of the first day I had more confidence and more practical ability than I had from any previous courses I had taken.  It was fun and relaxed and full of laughter.  You will leave this class excited to use what you have learned.  Rather than leaving overwhelmed with how much you have yet to learn and master, you are equipped with the knowledge and know how to go out and communicate as well as the excitement to do it!”

Gary noted:  “The whole approach is positive and conducive to learning at a level that benefits ALL participants.  It is not intimidating and does not set up a pass/fail atmosphere.  The presenters are terrific and the results unbelievable.  It was relaxed, informal, friendly and effective.”

Twila said:  “This class provided a very refreshing and relaxed way of learning.  The atmosphere felt very safe to say the words you were practicing.  I learned a lot in a way that will make it easy to apply.  Starting with conversation is way more fun.  How quickly you can learn!  It was a great group, great instructors and great stories.

The atmosphere in the classroom was so relaxed that learning Spanish felt like a breeze and not like a painful task.  The relaxation exercises are really conducive to language learning.  We learned A LOT in a short time and it was fun and the environment was non-threatening.”

Brigitte sent this:  “Buenos Dias, Suzanne. su clase de espanol es excelente! Muchas Gracias!  
I have already done what you suggested and went into the program listening to the music and going over the lessons.  I know: Repetition……reinforcement…..thinking in the new language….it’s all part of it.  I loved your course and will certainly recommend it to friends.  Who knows….I might feel the urge and have the opportunity to repeat it at your beautiful place in Puerto Aventuras…..Quien sabe? Hasta otro dia y saludos a su familia.”

Marie wrote:  “I would highly recommend this course.  The amount covered in 3 days is amazing!  All with no stress.  The correlation lessons and pronunciation practice has greatly reduced my anxiety to go out and use my Spanish.  I really enjoyed the whole process and thank you for the take away tools.”

Learn Spanish online $79

Here is the English translation of a few of the many Spanish words you now know and will never forget.  How long would it have taken you to memorize them?  How soon would you forget?

“Most words in English that end in ION are almost identical, just pronounced differently.  For example, action is accion, education-educacion, manipulation- manipulacion, etc.”

Some more of these words:  Combination, Attrition, Education, Vacation, Petition, Lotion, Motion, Construction, Abduction, Pronunciation, Concentration and a ton of others!

Learn Young or Old

Most Super Spanish students are all ages ,

Gary-scott-spanish-course

Super Spanish students at this course ranged from nine to over eighty years old.

Become a Spanish translator!

The wife of one couple who attended explained how after just three days her husband ended up as an accidental translator.

She wrote:  Gary,  I have sent Merri a couple of messages, and  a story of Mike being able to translate yesterday for a Spanish person  who couldn’t understand what a man was trying to tell him!

Does it sound impossible to learn Spanish in three days?  Yes, it is impossible when you try to learn Spanish in the old, traditional way.

The video below shows a super fast way to gain the basics so you can communicate in Spanish in just three days.

Gary-scott-super-spanish

Click here for FREE Super Spanish video.

Still can’t believe you can learn Spanish in a short time?

You have nothing to lose but to try.

The ONLINE Super Spanish course has our, full satisfaction or money back, guarantee. 

Try Super Spanish for 60 days.  If not fully satisfied, simply let us know for a full refund.

Learn Spanish online $79

(1) www.telegraph.co.uk Benefits-of-bilingualism.html

(1) www.nytimes.com: Social security disability Facebook

 

Ecuador Senior Citizen Benefits


Senior citizens gain numerous benefits in Ecuador.  

A few senior benefits include:

Discount in taxes for the import of a vehicles up to $47,280.

Half of the price admission to public cultural, recreation and sports events.

50% discount in transportation.

50% reduction in property taxes.

50% for water, electricity and landline telephone bills.

Here is a report from Ecuador attorney Dr. Andres Cordova that explains the details about benefits for senior citizens in Ecuador.

andres cordova

Dr. Andres Cordova

Are you a senior citizen? Are you retired from work and living on a pension? Are you aged 65?

You are a senior citizen now; you’ve reached the golden years with the opportunity to reflect on the road traveled so far and to welcome important horizons ahead.

Time has given you wisdom, has likely sobered up some of the impulses of your younger years (or perhaps not… smile) and brought some shiny silver headline to the wonderful story that you are.

You are among the most important demographic group in the world. You have energy, high expectations and drive. You are ready for continued adventure. You have many adventures before you and we have so much to learn from you.

Ecuador recognizes the road you’ve traveled, the contributions you’ve made to society wherever you’ve lived and has established several benefits in support and retribution.

Our Constitution establishes a very broad and ambitious set of guarantees and benefits for senior citizens. It is difficult to implement all such sweeping declarations from our Constitution across the board and effectively but, there have been important advances, especially in the last few years.

We have over 1,200,000 senior citizens in Ecuador for which the Ecuadorian Constitution allows special protection and a series of benefits including discounts and exoneration in several services.

At 65 or over, you will be considered a senior citizen in Ecuador.

To begin with, senior citizens can benefit from the reimbursement of IVA (VAT) and ICE taxes in purchases of items deemed to be of primary necessity but that may carry such taxes, such as clothing, lodging, health, food, education, culture and transportation.

The process to register under this benefit needs to be undertaken in person or via an authorization before the SRI (the tax collection agency in Ecuador) where you will also communicate your bank account (where you want the reimbursements credited).

Afterwards the processes for each claim can be made online. There are several agencies that help with this process for a small nominal fee, which is usually of 10% of the reimbursement.

Furthermore, and while this is not solely for senior citizens, any person with a certified level of disability can benefit from a gradual exoneration of import duties, and IVA and ICE taxes on certain products.

The exoneration is contingent and based upon the level of disability as certified by the Ministry of Health. Such certificate issued to the person with a disability will contain the types of goods that are available for import with exoneration.

The discount in taxes for the import of a vehicle can be for up to the equivalent of 120 minimum wages ($47.280).  A vehicle, for example, can be new or up to 3 years old. The car may not be sold, unless for health reasons, before 4 years.

Senior citizens pay only half of the price of admission to public presentations and events, be them cultural, for recreation or for sports.

Also, there is a 50% discount in transportation.

Senior citizens just need to present their cedula (Ecuadorian ID card). The law does not discriminate between Ecuadorians and foreigners. All benefits apply as well.

Also most private and public institutions will have special lines and attention for senior citizens who will be afforded priority service.

There is also a 50% reduction in property taxes. This reduction is up to a limit based on the assessed value of the property and considers if whether one or both owners, in case of a couple, are senior citizens at the time of filing / payment.

Please note that if you buy property under a corporation or trust you will not be able to have this benefit. Property taxes are not that high in Ecuador, actually they tend to be quite low, so this should not be an issue for most.

Furthermore, there is a reduction of up to 50% for water, electricity and landline telephone bills. This reduction is applicable for up to 120Kw of power consumption and up to 20 cubic meters of water consumption, after which the regular tariff will be applied but only to the excess.

Also, there is a 50% discount in notaries for most undertakings.

Some discounts are effective at the presentation of the ID documents. Others require some filing. Information for each case is available.

Some of these benefits can certainly add up, especially if you are aware of them and know how to get them. I will be glad to help you with guidance if needed.

Andres.

If you have questions for Andres please send a note with the words SENIOR in the subject line to gary@garyascott.com.

Spanish words you can use.

Senior Citizen – Tercera Edad
Benefit – Beneficio
Discount – Descuento
Reimbursement – Reembolso

Learn Spanish in Three Days ONLINE

The “Learn Spanish in Three Day Course” is now available online.

Learn Spanish in a day, or a week, month or any time frame that works for you.

I’m Gary Scott.  Over fifty years ago I started a business that has helped hundreds of thousands of subscribers learn about investing in Hong Kong (1960s and 1970s), Switzerland, London, Isle of Man (1970s and 1980s) and across Europe.  In the 1990s we took investors to Panama, Mexico and Ecuador.  That’s when we realized an incredible need for an easy way to learn Spanish.

See below how my wife Merri was able to create a program that allowed students to be speaking and understanding Spanish in just three days.

Thousands of subscribers have learned Spanish at our three day Super Spanish course.  These courses have been taught across the US, in Canada, Panama, Mexico, Ecuador, Uruguay and Spain.

spanish

A Super Spanish course in Florida.

Read below to see how and why we are now offering our Super Spanish course ONLINE for the first time.

Speaking Spanish as a second language has huge benefits.

You can become one of the rare North Americans who can get along in Spanish speaking countries.  You can be one of the special people who can communicate with 10 million non-English speakers in the USA.  Spanish is the second most used language in the USA.  There are more Spanish speakers than speakers of Chinese, French, German, Italian, Hawaiian, and the Native American languages combined.  According to the Census Bureau, Spanish is the primary language of nearly 50 million people in the US.  This is the largest Spanish-speaking community outside of Mexico. Only half of these speakers also speak English “very well,” and 19% do not speak English at all.

You become one of a leading few when you speak Spanish.  Yet there are more benefits.

An article in England’s leading newspaper, the Telegraph, entitled “Why learn a foreign language? Benefits of bilingualism” (1) sum up the biggest benefit of learning a second language and increased intelligence.  The article says (bolds are mine): “Learning a foreign language is more than just a boost to your CV or handy for traveling. 

It will make you smarter, more decisive and even better at English. 

Physiological studies have found that speaking two or more languages is a great asset to the cognitive process.  The brains of bilingual people operate differently than single language speakers, and these differences offer several mental benefits.”

The article then explains studies that show seven cognitive advantages gained from learning a foreign language.

#1:  You become smarter
#2:  You build multitasking skills
#3:  You stave off Alzheimer’s and dementia
#4:  Your memory improves
#5:  You become more perceptive
#6:  Your decision-making skills improve
#7:  You improve your English

Does it sound impossible to learn Spanish in three days?  Yes, it is impossible when you try to learn Spanish in the old, traditional way.

You may choose to take more time using the ONLINE course to learn Spanish, but thousands of our readers have learned to speak Spanish in only three days at our Spanish courses.

There is a scientific method of learning… proven and described in numerous best selling books that create educational jumps by making education natural, easy and fun.   This course works because it is education without stress!

A special method of learning (called Super Learning) was created and refined by the Bulgarian educational master, Georgi Lozanov.   Lozanov transformed the entire Soviet educational system to such a degree that this third world country beat the USA into space.

My wife Merri was lucky to be one of a handful of students outside of Bulgaria who were allowed to be taught this system in the early 1970s.  She practiced this unique and remarkable form of education for  four decades. It was a delight!

Merri and I began integrating these techniques with other shamanic and educational tactics we had gained in our global travels and then applied them to teach Spanish in three days.

The course has been proven again and again by the thousands who have used this system.  You can read a few of the many raves we have received from students who have learned from the Super Thinking Spanish course we created.

Here are a few quotes from delegates of the course.

One delegate from St. Louis wrote:  Hi Gary,  Just ended forty-five years in dentistry last week, and I’m on to a new career.  What is my new career?  Still formulating, but the eye -opening,mind expanding Super-Spanish course last weekend in St. Louis surely shows me the opportunity exists to expand my horizons.

Besides having a lot of nice people to learn our new language; the methods Merri and you developed proved to be just what you said they would be.  We all and I in particular relaxed our way to new learning.  I feel so very comfortable with the basis of my new language skills that I know I will be spitting out great Spanish sentences by the time I reach Ecuador in October.  Last year I spent six weeks in Ecuador and now I plan on conversing with the people.

Today’s excerpt of your newsletter really hit home. You do what you say you will. There are no surprises or hidden sales tricks. The only tricks are beneficial to our learning.  Thank you for a wonderful experience that I was quite unable to grasp how you would pull it off.  You did, however, and I look forward to other courses that you offer, and I have absolutely no doubt they also will work beneficially.  Best regards, Denis Molloy.

Another wrote about the Super Spanish course:   Buenos Dias, here is a testimonial for Super Thinking-Super Spanish.  Please feel free to use all or part in promotions for the course.  In addition, you may give my email address to any prospect “on the fence” about enrolling.  Yesterday, in Cotacachi, Ecuador, I finished Super Spanish.  I had high expectations for the course and they were exceeded.

After three days, I can speak Spanish in complete sentences. In simple conversations, such as buying groceries or ordering a meal, I can make myself understood. I think that’s incredible!

Although I am far from the competence level of a native speaker, I feel I’ve taken a giant step forward in learning Spanish so that I can experience the people and culture of Ecuador.  The foregoing benefits would have more than justified the time and money I invested in Super Spanish.  And learning some Spanish was not the most important benefit I got from the course.

Prior to leaving the USA, I had felt for some time that the pace of life there was unhealthy for me (and for most people) and I did nothing about it.

I’ve thought about the pace issue during the course.  One of the key elements Merri Scott designed into Super Spanish is placing the student in the optimal state for learning.  In class, the past three days, I’ve been re-introduced to guided journeys and introduced to the calming effects of Baroque music (www.sundaybaroque.org).  What a blessing! I’m inclined to make one or both a daily part of my life.   Rob Christi.  Cotacachi, Ecuador

Another attendee from a course wrote:   “I took this incredible class a few weeks ago, and I would like to tell anyone that is interested, that it is an amazing three days of learning with lots of laughs included. You leave everyday wanting to learn more and are so excited to do so.

“Other Spanish classes and tutoring made us feel like it would take forever to get to the point where we could put it into practice, but this method gave us a more fluent use for everyday life almost immediately AND the confidence to use it.  It is a fantastic way to show people how much they know and give confidence to learn and use Spanish creating a momentum.

“They made learning Spanish easy and fun in a very relaxed, comfortable atmosphere.  I would definitely recommend this course.  Even if you know some Spanish, this helps make it easier because of the less stress that no verb conjugations gives you.  This gives you more confidence in yourself to try and speak it more.

 “The stress free atmosphere and tons of interaction and participation were very conducive to learning.  The relaxation techniques alone are worth the price.  The fact that I can now feel more comfortable conversing in Spanish with my new friends and neighbors is priceless.  Muchas, muchas gracias.”

“I loved the relaxed environment.  I picked up quite a lot of new vocabulary.  I found this course very informative about how the language works, how I can make sentences and understand others better!  Muchas Gracias!  I had a call from Telcel (the local phone company) after our second class and I was able to speak and understand them for the first time. Despacio (meaning slowly) … a great word!  Everyone should take this course before they pick up bad habits.”

“I liked how simply the course was organized and the positive attitude about learning.  Thank you so much for helping me to learn Spanish!”

“I liked the laid back yet professional approach.  I highly recommend this new, relaxing method of learning Spanish,  I feel a lot more confident in the delivery of my words and sentences. It was taught in an excellent and very professional way.

“It was a very enjoyable class.”

How The Course Works

The first tactic is to use Baroque music to create Relaxed Concentration in the learning process.  At least three best selling books, “Superlearning”, the “Mozart Effect” and “Superlearning 2000” have revealed insights about how to learn and think more powerfully based on systems drawn from the Bulgarian educational master, Dr. Georgi Lozanov.  

Merri was among just a few who learned directly from Lozanov.

gary scott super thinking session

Super Spanish relaxed concentration session.

You gain six valuable ONLINE Relaxed Concentration sessions in the online course that is delivered via the internet.

The second tactic uses 17 unique lessons to provide Spanish fluency in a short time.   Let me prove to you how this tactic works by teaching you hundreds of Spanish words in less than 30 seconds.

Here is the proof.

“Most words in English that end in ION are almost identical, just pronounced differently.  For example action is accion, education-educacion, manipulation- manipulacion, etc.”

There you have it.  How long did it take you to read the sentence?  You now know hundreds of Spanish words that you will never forget.

See examples of the words you already know below.

How long would have taken you to memorize all those words?  How soon would you have forgotten them?

This is just one of seventeen Spanish lessons in the course.

The next lesson teaches how to pronounce each of the nouns.

Then, the third lesson teaches almost as many verbs, almost as quickly.

The fourth lesson shows how to avoid conjugating verbs by sticking with the infinitive (far easier than it sounds).  This simple lesson leaves a person sounding like a Spanish professor without ever conjugating a verb.

Lesson five shows how to sound infinitely polite and yet get almost anything desired in Spanish.

Lesson six gives valuable connectors and the seventh lesson triples the Spanish capacity with three words for “yesterday,” “now” and “tomorrow”.

By the end of three days you feel comfortable speaking Spanish.

Plus the system is Impro-Dynamic.  This means your Spanish keeps getting better even though you do not seem to be studying… practicing… or speaking Spanish.

I was amazed by this as I traveled back and forth from the USA to Ecuador.  The longer I was away from Ecuador… the better my Spanish became.  My second language was automatically improving The self improving feature comes because you learn to create Spanish sentences rather than remember them.  The portion of the brain that creates is more powerful than the portion that recalls.  When your mind creates something… it owns it!  You do not have to remember .

During the course you learn 4005 Spanish words that you already know.   This eliminates the need to memorize 99% of Spanish words.

You then learn how to create Spanish sentences from these words.

Throughout the course you learn how to pronounce the sentences you create.

When the course ends… the mind keeps working… and creating… so next time you begin to speak Spanish you’ll be surprised .  You improve even though you have not actively worked on your lingual skill.

Due to the difficulty of getting groups together to learn this valuable technique, we created an online program for subscribers to use the Super Spanish course at home.   The normal three day course fee is $499 ($749 for a couple).

The ONLINE course is available at the highly reduced price of $79.

I’ll be in touch personally via email with each person who signs up for this course to see how it works or what is required to make it better.  Once this test is complete, we plan to offer the program on a larger scale and at a much higher price.

The ONLINE course has our, full satisfaction or money back, guarantee.  Try Super Spanish for 60 days.  If not fully satisfied, simply let us know for a full refund.

Learn Spanish online $79

Here are more testimonials from previous Super Spanish Courses.

Maggie wrote: It didn’t really seem possible that we would be speaking and understanding Spanish in only 3 days but the course made it happen in a very supportive learning environment.  I would highly recommend this course for anyone wishing to learn “practical Spanish”.  The teaching methods, use of relaxation, the use of native Spanish speakers for pronunciation and the teachers themselves who were approachable and helpful and always positive made this a very valuable class.

This course improved my self confidence in my ability to learn and retain a language.  It was presented with genuine enthusiasm, great energy and the style of learning is very effective. Gracias!  It was a great experience.

Nadine wrote: “Just spent the last 3 days in the most wonderful learning environment learning Spanish.  What an amazing learning experience!!  First day out of class and I could not stop thinking in Spanish WOW!!  I am amazed by how much I learned, retained and how much more is showing up now that I am out of class.  And the best part is THERE WAS NO STUDYING!! Indeed this is Super Thinking!!!  I would highly recommend this to anyone that has ever had a desire to learn another language or learn anything in record time.

And a few days after that ….  As I went through my day, just hanging out with my son, I could see myself starting to think in Spanish.  At first I thought it was amusing but as it continued and increased I thought “My goodness this is really remarkable amazing” It was really an effortless unfolding.  I wasn’t at any point “trying” to think in Spanish, just words I knew would fly across the screen in my mind.  And then this afternoon, my son cuddled up on the couch to watch some cartoons on his ipad and was watching Peppa Pig in Spanish…hmm coincidence?  I think not, I’m radiating Spanish so much that my son is being influenced!  Thanks a million again.  This weekend the best learning experience of my life!!

If you have ever had a desire to learn Spanish this is the way to do it!  By the end of the first day I had more confidence and more practical ability than I had from any previous courses I had taken.  It was fun and relaxed and full of laughter.  You will leave this class excited to use what you have learned.  Rather than leaving overwhelmed with how much you have yet to learn and master, you are equipped with the knowledge and know how to go out and communicate as well as the excitement to do it!”

Gary noted:  “The whole approach is positive and conducive to learning at a level that benefits ALL participants.  It is not intimidating and does not set up a pass/fail atmosphere.  The presenters are terrific and the results unbelievable.  It was relaxed, informal, friendly and effective.”

Twila said:  “This class provided a very refreshing and relaxed way of learning.  The atmosphere felt very safe to say the words you were practicing.  I learned a lot in a way that will make it easy to apply.  Starting with conversation is way more fun.  How quickly you can learn!  It was a great group, great instructors and great stories.

The atmosphere in the classroom was so relaxed that learning Spanish felt like a breeze and not like a painful task.  The relaxation exercises are really conducive to language learning.  We learned A LOT in a short time and it was fun and the environment was non-threatening.”

Brigitte sent this:  “Buenos Dias, Suzanne. su clase de espanol es excelente! Muchas Gracias!  
I have already done what you suggested and went into the program listening to the music and going over the lessons.  I know: Repetition……reinforcement…..thinking in the new language….it’s all part of it.  I loved your course and will certainly recommend it to friends.  Who knows….I might feel the urge and have the opportunity to repeat it at your beautiful place in Puerto Aventuras…..Quien sabe? Hasta otro dia y saludos a su familia.”

Marie wrote:  “I would highly recommend this course.  The amount covered in 3 days is amazing!  All with no stress.  The correlation lessons and pronunciation practice has greatly reduced my anxiety to go out and use my Spanish.  I really enjoyed the whole process and thank you for the take away tools.”

Learn Spanish online $79

Here is the English translation of a few of the many Spanish words you now know and will never forget.  How long would it have taken you to memorize them?  How soon would you forget?

“Most words in English that end in ION are almost identical, just pronounced differently.  For example, action is accion, education-educacion, manipulation- manipulacion, etc.”

Some more of these words:  Combination, Attrition, Education, Vacation, Petition, Lotion, Motion, Construction, Abduction, Pronunciation, Concentration and a ton of others!

Learn Young or Old

Most Super Spanish students are all ages ,

Gary-scott-spanish-course

Super Spanish students at this course ranged from nine to over eighty years old.

Become a Spanish translator!

The wife of one couple who attended explained how after just three days her husband ended up as an accidental translator.

She wrote:  Gary,  I have sent Merri a couple of messages, and  a story of Mike being able to translate yesterday for a Spanish person  who couldn’t understand what a man was trying to tell him!

Does it sound impossible to learn Spanish in three days?  Yes, it is impossible when you try to learn Spanish in the old, traditional way.

The video below shows a super fast way to gain the basics so you can communicate in Spanish in just three days.

Gary-scott-super-spanish

Click here for FREE Super Spanish video.

Still can’t believe you can learn Spanish in a short time?

You have nothing to lose but to try.

The ONLINE Super Spanish course has our, full satisfaction or money back, guarantee. 

Try Super Spanish for 60 days.  If not fully satisfied, simply let us know for a full refund.

Learn Spanish online $79

(1) www.telegraph.co.uk Benefits-of-bilingualism.html

 

 

Surviving the Socio-economic Flaw


There is a huge flaw in the current global economic model.   This seems to be the result of human nature and we might not even be able to change this fact.

The extent of the difficulty can seem overwhelming but there is something we can do.

The Wall Street Journal article “These Developing Countries Are Getting Old Before They Get Rich, With Dire Consequences”  focuses on this  huge problem.

The article says: Population aging is well known in advanced economies such as the U.S., where falling fertility after the post-World War II baby boom long ago tightened the worker-to-retiree ratio. The U.S. was already wealthy, however, with extensive infrastructure and institutions in place.

Tackling such growth-impeding problems has long been a government priority, but the financial firepower for it is set to erode. Retirement outlays already eat up 43% of Brazil’s national budget, and health care about 7%, while two expenditures that are critical to economic development—education and infrastructure—claim only about 3% each.

The social security system’s revenue shortfall widens each year as the worker-to-pensioner ratio shrinks. The United Nations projects that by 2050, the number of potential workers per retiree in upper-middle-income developing countries such as Brazil will tumble from the 2015 figure of seven to just 2.5.

Only Japan has ever faced a shift of this scale in a similarly short period, and it now has one of the world’s most indebted governments.

In the U.K. and U.S., it took 95 years and 82 years, respectively, for fertility rates to fall from above six children per woman to below three. In Turkey this change took just 27 years, in Brazil 26 and in China only 11.

Credit-rating firms are getting anxious. Standard & Poors estimates that unless there are major changes to publicly funded pension and health-care systems, population aging will help drive net government debt in the biggest emerging economies to extraordinary levels—307% of gross domestic product in Brazil, 274% in China, 262% in Russia and 341% in Saudi Arabia by 2050.

At these levels sovereign bonds of these countries would be rated junk.   A comparison is that Italy, currently the most indebted major economy, has net debt just 120% of GDP.

This is one of the most important socio economic problems to resolve but it is almost impossible to get voters to go along with Social Security change.   The political reality is that once a pension or health care promise is given it is almost impossible to take it back.

The longer this problem is unresolved, the more old people there are and… more voters to protest reform.

The article pointed out the political reason for the problem when it said: “People don’t take to the streets in favor of a pension overhaul, only against it.”

Even the wealthiest countries, such as the US, UK, Germany and Japan (the most indebted government  the world), face unsustainable shortfalls and this problem threatens the entire global economy and security.

For example, what will those in control of China and Russia do when the net debt of their countries exceed 250% of their Gross Domestic Product?

What the world needs to do is spend more on education and infrastructure.    Yet the security tensions created by demographic instability are leading to more spending on defense and less on education and infrastructure.

What do we do when the current world, driven by an out of date system, turns the world’s financial system, as we know it,  insane?

This unsustainable mess has been created by leaders who are driven by voters who unthinkingly mark their ballots to get something for nothing.

I wish I could see a way to change this collective social error.

But I don’t see a way we can change the whole.

We can focus on improving ourselves though.   In this process we  can at least make a tiny dent on the big picture.

The more  our leaders act insanely, the more we need to strive towards personal sanity.  We need to take care of our routines, habits, thoughts and actions, so we remain sane in an insane world.

When everyone around us is making an error we need to remain living in a correct way. We need to live in balance. We need to remain kind. We need to continue to do good.

We can indeed be political advocates if we wish, but as we lead by example.

Average in a sick system is sick, so let’s increase our intelligence so we can be above average so we can prosper and survive the socio economic flaw.

Gary

Become Smarter

 

Join the top 3 percent of intelligent people in the world.

Become more independent and relaxed by becoming smarter.

A study of 10,000 British people studied the pure relationship between intelligence and happiness stability.

IQ can predict the emotional ups and downs of life.   The research found that the lower the IQ,  the more stress and higher the ups and downs in life satisfaction.  The differences were not due to education, income, or jobs either, but simply IQ.

gary-scott-seminar

Delegates at a Super Thinking course relaxing in their secret rose garden.

Free yourself by becoming smarter, healthier, happier… in just weeks… hearing  a relaxation session that takes you into your secret rose garden.

Merri, David and I originally developed this session for our Super Thinking courses and have set it into an online workshop for you.

Listen… just 18 minutes day.  We guarantee your life will be better.

Inflate Your IQ.

When it comes to money… inflation is cheating.

That’s bad for you.

When it comes to intelligence… inflating is smart… fair… good for you and it’s good for the rest of the world.

Monetary inflation is a sneaky government and business trick.

What cost a dollar in 1965 can easily cost $15 now.

They promise you more.

Liars?

They devalue the currency so you get more dollars that buy less.  They can rip off your salary,  your pension…raise insurance, almost everything.

And they make you work harder… longer… for less.

Whittle, whittle, whittle.  Push, push, push.  That’s what monetary inflation does to you.

Fight back… overcome the inflation trick.  Inflate your IQ as you relax.

Gain more than IQ.

Be smarter… more energetic…. healthier… more relaxed.

That’s the way to get ahead!

Create more income opportunity.  Reduce stress.  Improve your health.  Be naturally smarter… use Super Thinking.

You can improve your IQ in just weeks.

You might well ask… How is this possible?

Here’s how the scientists say it is possible.

A Wall Street Journal article entitled “Ways to Inflate Your IQ”(1)  show how you can be smarter and actually add matter to your brainThe article says:

           Many people think of IQ as a genetic trait, like brown eyes or short legs: You’re born with it and you’re stuck with it.

Now, a growing body of research is showing that a person’s IQ can rise—and even fall—over the years.

Scores can change gradually or quickly, after as little as a few weeks of cognitive training, research shows.

British students were given IQ tests and brain scans at ages 12 to 16 and again about four years later.  9% of the students showed a significant change of 15 points or more in IQ scores.

The study published in Nature said that on a scale where 90 to 110 is considered average, one student’s IQ rose 21 points to 128 from 107, lifting the student from the 68th percentile to the 97th compared with others the same age. 

MRIs in this study showed changes in gray matter in areas corresponding to fluctuations in the kid’s skills.

There are practical steps people can take to see longer-term IQ changes.  New tasks stimulate the brain most.  Young adults given just one month of intense training in juggling, found an increase in the corresponding gray matter in the brain as early as seven days after the training began.

Fluctuations in IQ scores over time underscore the brain-boosting benefits of musical training and new experiences throughout a lifetime.

Music lessons are linked to higher IQ throughout life.  Six years’ lessons lifted children’s IQ scores an average 7.5 points.

 Improve the brain through music… without lessons.

Here’s the Super Thinking story…

The educational program Merri and I developed uses a form of brain wave integration that increases IQ.

Super Thinking uses frequency (in music and a number of other ways) to integrate brain waves so the process of absorbing, processing and recalling information is vastly accelerated.  The music creates the three C’s:  Calm, Clarity and Coherence.

This Super Thinking program is not a gimmick or trick… just advanced education.

Certain types of Baroque music are the base, and they make you smarter!

Proof?

At least four best selling books, “Psychic Discoveries Behind the Iron Curtain”,  “Superlearning”, the “Mozart Effect” and “Superlearning 2000″ showed how to learn and think more powerfully based on systems drawn from the Bulgarian educational master, Dr. Georgi Lozanov.

This Baroque music tactic alone is so powerful that Small Business Innovation Research… an official site of the US government granted over $100,000 for the specific purpose they said was: to provide a method to remove barriers which hinder or prevent the employment of blind persons.  An innovative method, the Lozanov Learning System, is proposed to help train blind persons to become computer programmers and operators of automated equipment.

Merri was among just a few who learned this technique directly from Dr. Lozanov the time he visited the USA.

Our Super Thinking workshop enhanced this system with numerous other tactics.

We added slight alterations in nutrition that create a higher IQ.   Altered nutritional tips in Super Thinking can make anyone 25% smarter!

Baroque Music and nutrition are just part of seven, easy to use, learning techniques that make you smarter.

Gain any skill, from computers to athletics to conversational languages…in less time…two-to-five times faster.

Here’s a huge bonus.  Super Thinking also relieves stress.  Super Thinking is fun.

You can use a Super Thinking focus in everything:  health… earning… education… investing.

Super Thinking works on the learner first…the data second.  This system “grows the learner” rather than the information.

If you have 4.5 inches of information flowing through a 4 inch learning pipe, the solution is not to add another inch of information.  The answer is create a six inch IQ pipe!

Share our years of experience.

For nearly 50 years, Merri and I have conducted hundreds of courses and tours for tens of thousands, in dozens of countries (even behind the Iron Curtain).  Our Super Thinking Workshop has been one of the most profound.  Now the workshop is even better online because it condenses Super Thinking so you can increase your IQ, at home… right away.

The workshop shows how these mind expanding tactics can be applied to starting and running a business for extra income, to forex trading and investing.  Athletes of all types… golfing being one common sport benefit.  Our Super Thinking plan goes far beyond Lozanov and allows you to rapidly get smarter in every part of your life.

For example, real estate broker, Suzy Kurinsky took the workshop to help her learn Spanish.

She wrote: “You are the BEST!!! Your Seminar was fantastic! I am so excited. I had procrastinated fulfilling my continuing education for my Broker’s License and then just before my surgeries, I realized by expiration date isn’t Nov. 12th – it is Sept 12th. Prior to taking your course I had only completed 3 units of the required 45 units. I thought I would take your course and then complete my remaining 42 units over the next 2 weeks. However, I took one class exam on Saturday night, August 27th. I didn’t even take the cellophane off the required Course manuals until after I saw the two of you today less than 5 hours ago! I used your techniques and completed 39 units of continuing education today. I have now completed all 45 units. All of my test scores were in the 90.6-96% range.  My course exam information is listed below. I just wanted to let you know how valuable your course was to me. Thanks again!”

Super thinking can improve almost anything you do… faster, better, more fun and with less stress.

Another attendee to the Super Thinking Workshop sent this note.

 Thank you for the wonderful workshop on Super Learning + Spanish!  I really enjoyed the workshop and getting to know you.   I can see several ways to apply what I learned in the classes I teach.

Since I returned home, I have purchased some of the CDs of Baroque music and thought about which specific pieces will work best in different parts of my classes.  I am also reading Perfect Health by Deepak Chopra.  I found your discussion of this book to be very helpful in showing how to balance one’s life.  I have adjusted my daily schedule, and I can already notice a difference in my productivity.

Super Thinking can help improve your health. Super Thinking can make you rich and add richness to your life.

However the time, travel expense and workshop cost (delegates have paid up to $999) have prohibited many from getting this benefit.

That’s why we have created the workshop in electronic form.  Get Super Thinking online for less than fifty bucks.

You can order the online Super Thinking Workshop here ($49.95)

Relax in the Secret Rose Garden.

The workshop is divided into two parts.  Part one is the application… the sessions that tell you exactly what to do, what music to use and even includes two recorded sessions based around a secret rose garden that you can use.  We have kept this portion short and simple so you can easily start immediately.

Part two is a longer portion on theory.

Part one is enough.

Super Thinking is like jogging… giving results if you simply do it!

You do not have to know why Super Thinking works to increase your IQ.   But Part Two explains why you are getting the good results from Part One, if you want to know.

You might ask…”Will it work for me”?

The Super Thinking Workshop will help increase your IQ.

Our guarantee.

I guarantee it.  Order the Super Thinking Workshop.  Use it for two months.  If you are not totally satisfied… in any way, during that time, simply let me know and I’ll send a full refund… immediately… no questions asked.

Order the online Super Thinking Workshop here ($49.95)

Another Super Thinking workshop attendee wrote: Listening to the two of you during our time together has suddenly got me to thinking, and although some of the ideas still seem foreign to me,  I am at a point in my life now where I can say, “anything is possible”.   I am now willing to embrace and allow myself to experience the world of possibility and let it take me in directions I may have in the past resisted.  I really don’t know where all this is going to lead me but I am now willing to explore, develop and grow.   Thank you again for a wonderful four days!!

Inflation is a cheat… a crime when it comes to money.  Inflating your IQ to beat inflation is simple good sense.  Learn Super Thinking now with no risk.  Begin to increase your intelligence today.

Order the online Super Thinking Workshop  $49.95.

Gary

(1) Read Wall Street Journal article Ways to Inflate Your IQ

(2) See government grant records on teaching blind persons with the Lozanov method

 

(1) www.wsj.com: These developing countries are getting old before they get rich with dire consequences

 

New Tax Law Benefit


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

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

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

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

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

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

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

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

Hobby farming is not very profitable but hobby farms are.

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

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

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

wall street journal chart

The article shows this chart and says:

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

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

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

Good Time to Act

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

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

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

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

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

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

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

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

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

Gary

Be Richer Than a Billionaire… with Small Steps

Use Small Steps to Create Your Success

Consider this.

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

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

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

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

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

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

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

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

Well here’s some good news…

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

We can start taking that power right now…

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

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

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

I want to help you find and sell it…

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

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

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

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

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

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

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

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

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

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

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

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

weinhold book

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

weinhold book

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

Self Publishers can also write in more than one niches.

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

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

quinoa-book

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

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

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

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

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

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

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

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

kindle book

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

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

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

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

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

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

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

So, here is thanking you both very much.

Bill Winter

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

dos winter

Dos Winter

Order College Confidential at Amazon.com here.

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

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

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

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

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

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

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

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

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

Another successful self publisher who attended our workshop wrote :

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

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

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

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

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

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

Delegates from our last camp wrote:

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

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

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

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

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

The son of a father son team sent this note:

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

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

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

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

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

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

gary-scott-image

Here I am at our Florida home… at work?

gary scott

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

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

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

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

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

Three other things you gain.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

The writer keeps 70%.

Amazon keeps 30%.

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

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

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

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

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

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

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

David Cross

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

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

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

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

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

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

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

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

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

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

Plus you get more in the program.

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

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

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

My special offer to you is that you receive:

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

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

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

Our Guarantee

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

Why the Update Lessons?

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

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

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

Our Guarantee

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

Take control of your life now with this first small step

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

Gary

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

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

 

11 Year Crunch


A depletion of Medicare Funds in eleven years creates a hazard for the US dollar.

Our Triple Dollar Warning message looked at how the US dollar could lose significant purchasing power any time now.  An upcoming Social Security shortage could cause further erosion in the greenback’s ability to buy things.

Here’s why.

A Wall Street Journal article “Social Security, Medicare Face Depletion Within 17 Years, Trustees Say” (1) shows  the demographic dilemma the Western World faces.

The article says (bolds are mine): The Social Security trust fund will be exhausted in 17 years and Medicare’s main fund in 11 years, according to the latest estimates.

wsj.com

The overall financial health of the entitlement programs hasn’t improved, according to the report.  If Social Security’s retirement and disability funds are combined into one program, their funds will be exhausted in 2034, unchanged from last year.

The trust funds were built when more people paid into the system than received benefits. As the population ages, benefit payments are projected to exceed revenues, drawing down fund balances.

Under current law, when the trust funds are emptied, benefits from the programs will be abruptly reduced. The latest projections say retirement benefits would be slashed by 25%. The status of the funds is thus a potential trigger for reforms in the programs.

Still, the annual report card on the finances of the nation’s major entitlements, which are responsible for about 42% of federal spending, serves as a reminder that Social Security and Medicare are bound to face changes in coming years.

At a time when health care, immigration and taxation are at the forefront, it is hard to imagine Congress trying to reform Social Security.  This means other measures will be used and these alternatives are not good.

The Solution? Follow the Money.

No one can predict the future, but let’s follow a line of logic that is based on politicians doing just about anything they can to get and stay in power.  The biggest tactic is usually to offer voters something for nothing.

The government’s biggest problem is debt, overwhelming debt-everywhere, city, state, federal and this can never be repaid, nor does anyone expect that it will.  However, this debt has risen so high it strangles the ability of the government to offer the freebies to get votes.

The figure to watch for is the cost of servicing the debt.

Social Security is additional debt.  The system says it has trust funds, but the assets in these trusts are US treasury instruments aka DEBT.  The federal government essentially owes all this money to the Social Security trusts.

Congress won’t want to reduce Social Security benefits.  Yet they also don’t want to cut back on any other expenditures, and they do not want the cost of debt to rise.

The government has two solutions to avoid a higher cost of debt.  One is lower interest rates.  This tactic has been employed for many years.  The second solution is the dollar’s devaluation and reduction of purchasing power.  Social Security benefits won’t drop in numerical terms.  If a retired person receives $1,300 a month, they’ll keep receiving $1,300 a month.

The question will be, how much will $1,300 a month buy?  The answer is LESS.

How much less?  That is the question we cannot accurately answer but we should assume that the purchasing power of Social Security will be a lot less.

Get in the Game

A falling dollar, a corrupt government and dishonest Wall Street will make it harder to live off pensions or savings.

The safest solution is to have a micro business offering a product or service that can be priced according to inflation.

This is why we recommend having a micro business doing something you love. Start small. You still have time before the serious consequences of Social Security’s shortfall erupt, if you begin now.

Gary

Overcome the Income Gap

You don’t have to be short of funds regardless of your education, what you do, whoever, wherever you are.


If you’re thinking of moving to a better place, having a better lifestyle, maybe taking that long-awaited retirement, making a career change or living in a sleepy, low crime, no stress town, more power to you.  Perhaps you plan to move into small-town USA or head overseas to live abroad.  Or maybe you simply want to earn a little extra income as you learn to make a lot of extra income.

But what if there are no good jobs, or you find prices higher than expected or see inflation stop your income from going as far as expected?

The establishment says:  “Get some education to quickly gain a higher income as well as the better life”.  Right?

But, wait a minute…

The establishment is basically composed of big corporations and your better life might not be their goal.

Liars.  Increased profits is their agenda.

The same companies that tell you to get a better education have created a growing income gap that might throw a monkey wrench in your plans.  The gap gives these companies better employees and increases in their very large profits but as you discover will not help you.  Companies are using technology to reduce their payrolls and improve their employees by creating a wave of under employment that traditional education has not been able to stop.

In fact the educational system is one of the big businesses and part of the underemployment problem.

When you diligently search the internet, you discover there’s no easy, inexpensive way to gain the education you need for a better income…even though you can pay tens of thousands of dollars for even the most minimal online university.

The educational industry has ripped off millions of students with promises that cannot be kept.  They have fallen further and further behind in providing usable education for decades.

Now it could take you longer and cost you more… and even the best universities won’t promise you a job.

Over the past few decades the cost of university has skyrocketed.  The time required to obtain a degree has lengthened.   The better a school’s reputation, the worse this fact.

For example, a recent survey on inflation shows that a Harvard education is one of the most inflated services of all.  Since WWII, the prices of eggs, bread and some foods have risen 4 or 5 times.  Gold, silver, income, the price of rent, a house or car have risen 15 to 20 times.  A Harvard education has risen 44 times.

In 2016 the basic cost for Harvard reached about $65,000… a year.

They claim is “This is the best you can get”.  Give me a break.  The fact is almost no one, except a few elite are going to get into Harvard.  If you are making a life change, you probably can’t go back to university at all.

Who wants to?  Even the average non profit university costs $25,000… a year… just for tuition.

Plus who, when moving up in life, has four or five years to spend just learning, especially when the benefits of college may be pure nonsense now.

The entire idea of university is becoming defunct due to two trends in underemployment.

You have probably read or seen on TV that American unemployment has fallen and job availability is picking up.

Baloney.

The establishment is trying to fool you with statistics by ignoring two trends in underemployment.

This chart shows the first trend of underemployment in the Western world… the simple fact that it is rising.

statistica.com

U.S. underemployment rate from April 2016 to April 2017 (by month) at Statistica.com (1)

This statistic shows the U.S. underemployment rate on a monthly basis for the ongoing year.  In April 2017, the U.S. underemployment rate had skyrocketed to 14 percent.

The second trend is a bigger problem.  Underemployment is growing fastest among college graduates.  There aren’t enough jobs to employ everyone at their full earning potential.

This creates a process called “filtering-down”.  This is the bad news for traditional education.

Workers with college degrees get whatever few jobs are available.  They spend four or five years and $100,000 or $125,000 bucks and maybe more, often acquiring enormous student debt.  The best they get is to beat out a non college student for a dull, non repetitive, underpaying manual job.

If you think an online or for-profit university is going to be any better, think again.

There is a shake-up in for-profit higher education.  Too many of these schools are cheaters.  This has caught up with them.  A broad swath of the sector is shutting down as federal regulation, lawsuits and a growing stigma about for-profit education takes a toll.

Thousands of dollars in paid tuition can be lost with a for-profit.  The recent closure of ITT Educational Services shows the risk.  Their abrupt shut down impacted 35,000 students who were taking classes on campuses and online across America.  Many had paid for the school with loans. The school went away. The debt did not.

This is just the latest in a series of for-profit educational scandals. University of Phoenix lost 50,000 students in 2015.  DeVry University was sued by the Federal Trade Commission for misleading students about their chances of getting a job and increasing their income after graduation.

In 2015 Corinthian Colleges closed most of its schools after being slapped with a $30 million fine by the DOE for overstating job placement rates for graduates.

Just wait, it gets worse.

The worse news is that even if someone graduates from college, they are more likely to get a lower-paying job than in the past.  This pushes those without college degrees into even lower paying work.  This is a process called “filtering down”.

On top of the problem of filtering down, the inflation-adjusted value of the wages of college-educated workers has barely increased in the 21st century.  Graduates are taking jobs below their full earning potential and their educational status is not pulling up the wages received for these jobs.

What a mess. You want to move up but the entire system is trying to beat you down.  Education costs more and brings less.   Jobs are harder to get and pay lower wages.

You really don’t want to get caught in this system at all.

Fortunately there is a way to break free.  There are courses that can be obtained for pennies compared to university, and they can be completed in weeks rather than years so you can start earning sooner.

This just gets better.

These courses provide a formula for everlasting wealth using three ways to get rich.

Let’s first define rich.

“Being rich is doing something bigger than you, that you love in a way so there is always money enough and at least a little left over”.

This form of richness lifts you well beyond dollars and cents.  These courses teach you how to start with your own core business and it can be anything that interests you.  You’ll see how it can be gardening, farming, fishing, golf, finance, travel, photography, art, construction,  machinery, inventions. whatever.

The courses help you choose your core business and then teach you how to build that business and wrap the publishing and hospitality around it.

Here another thought they teach that’s extremely valuable… How to eliminate the middle man who would otherwise be your employer and who would take most of the reward for your work.   You’ll learn how to avoid job applications, how to end the need for dusting off your CV and eliminate hat in hand job interviews where someone else gets to decide your fate.

These courses teach you how to go direct to clients so you become self-sufficient and self-empowered.

You learn how to circumnavigate the big corporations who are creating underemployment and you earn by serving your customers direct.

Finally there is one more… quite frankly huge, advantage to these courses.  They are guaranteed… really.   You get to take the courses, try what you learn and if you are not satisfied, you’ll see below how they are totally free.

Let me tell you about these three courses.

The first course is Self Publishing to Sell.

You can help everyone become richer and enhance your own life by writing to sell.  The same technology that has eliminated so many old employment opportunities creates new freedoms to live where we choose and yet share our services with others almost everywhere around the world.

First, earn with online self publishing.   The three stories below show how Amazon.com and self publishing have enriched the lives of three others.

Online self publishing is creating a wealthy writer’s middle class.   Read the three stories of self publishing success below to learn a secret that new self publishers can use to make life rich.

In the past, a few writers made fortunes. The rest starved.  No more!  The old way of writing and publishing was great… if you like the lottery.  Not so good, if you wanted an income for sure.

There are growing numbers of great stories about beginning writers using Kindle to sell their publications.  Here are three stories of how new self publishers have used Amazon.com to make their lives better as they earned more.

Let’s start with Nickolette Goff who is retired and loves organic gardening,  healthy cooking and visiting Ecuador.   She had never published a book and after our self publishing course she wrote and promoted her first book… a Quinoa recipe cookbook with 13 recipes she garnered from her Ecuadorian trips.   She had 10,000 downloads of the book in five days and obtained dozens of good reviews!

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

quinoa-book

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

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

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

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

Nicki’s husband wrote:  Nicki, her sister and two nieces were visiting Ecuador for 3 weeks in January –  Her Kindle books have paid for her trip so she loves that.

Take Bob Gandt, as another example.

Bob Gandt

Bob Gandt has had great writing success and has been published by numerous major publishers.  Bob’s niche is flying, war and writing.  He published his first story at age sixteen – the same year he first soloed an airplane.  Since then he has logged something over 25,000 hours, written fourteen books and published countless articles. Hearing the stories of others like Bob help me (as well as you) better understand how many different ways there are to Write to Sell.

At age 20 he was at the time the youngest aviator in the U.S. Navy. In 1965 he began his 26 year career as a pilot for Pan American World Airways.  His 1995 book, Skygods, (Wm. Morrow & Co.), recounts the meteoric descent and crash of the once-great Pan Am. His 1997 book “Bogeys and Bandits” (Viking Penguin) told of a training squadron at the same base where he had trained years before.

This book led to a CBS series Pensacola: Wings Of Gold.   Bob was the writer and technical consultant for these twenty-two-episodes, which starred James Brolin as the commander of a Marine F/A-18 training squadron. Bob’s books were previously published by the big publishing houses, but now Bob’s focus is on self publishing.  As an author whose numerous books have been published for and sold through book stores, he sees the bookstore path filled with dinosaurs.

Bob started with print but took a special step that every writer should know.  This step has helped him add Ebooks to his stable of income producing systems.  Print and Ebooks are all part of the publishing process… but Ebooks make self publishing easier than ever before. Bob’s passion is flying and the military.  His books reflect this.

Learning and sharing your passion with like minded souls is just fun.  There is no other way to say it.  This is how life should be lived and self publishing lets you live it this way.

Yet despite an offer from a major publisher, Bob self published  his latest book at Amazon.com.  We helped introduce this book, and it has reached #1o on the Military Thrillers best sellers list several times since! See Bob’s website here.

Another great story is about Hugh Howey, a writer that every self publisher should meet and hear.   Hugh had just a little success with publishers, a book with modest success.

Hugh Howey

Hugh whipping me badly in a game of chess.

Hugh self published his book, Wool.  Hugh was a bookstore clerk.  In his spare time he wrote science fiction and began self-publishing his work on Amazon.com in 2011.  Soon he was earning over $100,000 a month on Amazon.  His books made the New York Times best seller list.  See Hugh Howey’s Amazon.com page here.

The formula that each of these writers has used is based around building a following for their books.  They wrote more than one book.  They sell their first book at a low price (free to .99 cents).  This compares to the typical $9.99 to $12.99 for books written by top branded authors on Kindle.

The low price starts building a readership.  In Hugh Howey’s case, he offered his first book free.  After the book became a best seller at Amazon.com, his other book sales, foreign rights, six figure print deal and film rights flowed naturally.

Nicki Goff and Bob Gandt are using this formula as well…  a  low priced first book attracts readers and builds a following for more…. higher priced, followup books.

This is one secret contained in our Self Publishing Course “Self Fulfilled – How to be a Self Publisher”.  

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

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

The writer keeps 70%.

Amazon keeps 30%.

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

Costs are reduced as well.  Nicki Goff, Bob Gandt and Hugh Howey (as I do) all write at home with no office or staff overheads.  This is how most self publishers start so all the income generated is profit.

This is a new exciting era for writers.

Smart self publishers can begin earning quickly with no obstacles between their publication and the reading public.   New technology provides self publishers with the following benefits:

* Printing, shipping and disposal (of unsold books) costs eliminated.

* Shelf space unlimited and almost free with no capital costs.

* Increased sales volume. Kindle owners buy more books than print readers and will spend weekly to get new chapters rather than entire books.

Get a great head start on earning income through the the evolving online self publishing process that we reveal in our course.

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

“Self Fulfilled – How to be a Self Publisher”  teaches our proprietary step-by-step plan for getting your publishing business going… full or part-time… right away.

You learn:

* How you can start earning quickly with a very small amount of money even if you do not write full time.

* 11 steps to creating the perfect product, including how to review ideas, test focus, and aim at markets.

* How to gain 1,000% returns on some of your publications.

* How to choose a format—book, newsletter, list, audio or video—that suits you and your audience.

* Frequently committed marketing mistakes and how to avoid them (plus, you’ll get samples of winning marketing pieces to study).

My wife, Merri, and I became multi-millionaires in our own self-publishing business over 40+ years.  Today, we have more cars than we can drive, five homes and numerous cabins in North Carolina, Florida and Ecuador.  We have a beautiful lake front home on 16 acres (with an orange grove to boot).  We have a 253 acres in the beautiful mountains, where we live in the summers.  We have no mortgages, not a penny of debt, and plenty of money in the bank.  More importantly even though we are well past retirement age, we can remain active,  love what we do… and make contributions to society that feel are meaningful.

Gain practical publishing ideas and case studies.

For example, you’ll learn about a pilot who published a book on the best airport cafés (suddenly all his flying became tax-deductible!)… how one couple who loved an island, wrote a guide on the place and made enough money to buy a home on the beach there… and how another couple made millions with a simple legal idea.

What’s Your Passion: Travel and Tourism?

A client of ours amassed a fortune by starting travel guides for cities. He started with Sarasota, Florida, publishing a simple booklet with attractions, restaurants, etc. and plenty of advertising. Then he moved onto Naples, and on and on,until the whole state of Florida was done.

He didn’t have to put much work into the booklets as he could carry over plenty of generic information from booklet to booklet. But there were plenty of advertisers and plenty of people who wanted to obtain these booklets.

You learn:

* How to set up a computerized fulfillment center even if you’re computer illiterate.

* How to turn advertising dollars into a fortune by creating winning ads, direct mail pieces, and getting thousands of dollars in free publicity.

* How to use your computer and the internet to save hundreds of thousands of dollars in printing and postage.

* How to control inventory, check ad results, and keep overhead down.

* 11 financial hazards to avoid and tricks to stay profitable without a daily accountant.

* Our secret pricing strategies that will help you sell more units of your product.

* How to define and target your internet market, and start getting visits.

* How to develop your website.

* The top 10 internet tips to use and the top 10 traps to avoid.

“In Self Fulfilled – How to be a Self Publisher” Merri and I gave away every publishing secret we know to write to sell for a solid income.

The second online course in this powerful trio is “Event – Full Business, How to Profit from an Events Business”.  This course teaches the art of using hospitality to earn extra by offering seminars, tours, exhibitions, special events, etc.

gary scott events

Merri and I speaking to over 400 delegates in Quito, Ecuador

gary scott events

Merri and I speaking to a dozen delegates at our farm office in North Carolina.

Since May 1968 we have been paid to travel and live exactly where we have wanted to be… because we have known how to write to sell and monetize the publishing success with events, seminars, courses and tours and other hospitality events.

The combination of self publishing and working hand in hand with an events business has brought us excellent income and allowed us to visit and to live anywhere in the world we have desired.  Many of our subscribers have gained enormously from these courses.

One sent me this note:

“Gary,  I participated in a home party last week and sold $253 worth of Ecuador goods that I brought back on my trip there last November.  That makes a total of approx. $450 in random sales so far which comes real close to paying for my airline ticket.  I still have a nice inventory, so will work on selling the rest.” 

This reader is using an events based business to generate income that pays for international travel.

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

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

The pay has certainly not been bad either.  One event earned  $142,260 in three days.  In another instance, we earned over $135,000 in two days.  Once our earnings exceeded $200,000 in just three days.  More often we bring in $10,000 for a weekend’s work.

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

Event – Full Business:  How to Have a Seminar and Tour Business.

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

We share what we know about events in our emailed correspondence course:  “Event – Full Business”.

Self publishing and events go hand in hand.  Writing to sell can build an events business and events can sell self published books, reports and courses.

Here are the initial lessons you receive.

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

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

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

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

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

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

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

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

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

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

#11: How to build a List.

#12: Alternative seminar and course location options.

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

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

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

The tuition for “Event – Full Business – How to have a Seminar and Tour Business” is $349.  That’s nothing compared to a university tuition but it gives you lessons on how to start earning now.  This is also true for “Self Fulfilled- How to be a Self Publisher”. The tuition is only $299.

To help you start earning extra income, I have created a special offer so you also get our third course “The Tangled Webs We Weave – How to Have an Internet Business” (also normally $299 tuition) on how to use the internet and a website in your business. Plus there are two bonuses for you.

Bonus #1: Get the 50 minute Video Workshop “How to Start Your Own Internet Business” presented by our webmaster, David Cross,

Bonus #2: Our Super Thinking Workshop that helps you absorb, retain and recall what you learn. You receive this workshop in an MP3 file so you can listen on your computer, burn a disk or listen on you Ipod or in your car.

When you enroll in this special tuition offer of price of $499 you receive the three courses and the bonuses worth a total of $947 for almost a third the price.  You save $648 total.

Three Course Special $299

THESE COURSES ARE GUARANTEED. We’ll Accept All the Risk!

We completely guarantee the program.

Order the three courses and take a full two months (62 days) to put them through its paces.  That way you can follow my simple process and start seeing the results for yourself.

If you’re not completely convinced that this information can help you develop extra income all you have to do is let us know.  You’ll receive a complete refund of every penny of your investment.  No questions will be asked.

Fair enough?

Our publishing and hospitality business has brought us more wealth, satisfaction, fun and friendship than we ever imagined possible.  We want to share our knowledge and secrets with anyone who has a desire to experience this way of life.

Whether you are an engineer, doctor, housewife, business owner, or retiree… self-publishing offers a way to create income by turning your passion into profit.

Don’t miss this special opportunity.  Order Self Fulfilled – How to be a Self Publisher today if you want to cash in on the satisfying, profitable and exciting lifestyle that publishing can bring despite and in fact because of trouble in the world.

Self Fulfilled Special $299

We are not finished yet.

I wish I could say that you can take these courses once and be done.

I can’t.  Our business has ups and downs, changes continually and always evolves.  Continuing education is required so for the next year you’ll receive updates.  As we learn new ideas, tactics, strategies and ways to enhance our business, we’ll share what we learned with you as we update these courses.  You’ll receive all the updates for a year at no further cost.

In addition we’ll set you up for continuing education for another year at the guaranteed $499 price.  You’ll be able to decide to cancel continuing education any time you choose or when we send a tuition note next year.

You don’t have to be short of funds regardless of what you do, wherever and whoever you are.


If you’re thinking of moving to a better place, having a better lifestyle, maybe taking that long-awaited retirement, making a career change or living in a sleepy, low crime, no stress town, more power to you.  Perhaps you plan to move into small-town USA or head overseas to live abroad.  Or maybe you simply want to earn a little extra income as you learn to make a lot of extra income.  Our three courses and the bonuses can help you take these ideas out of your dreams into your life.   Simply enroll and start improving your life now.

Enroll here Self Fulfilled Special $299

Gary

www.statista.com: US underemployment rate

 

 

(1) https://www.wsj.com: Social security and medicare face depletion within 17 years trustees say

 

Get the Wind Behind You


Success is easiest when the wind’s behind our back.  This means there is good news for boomers who are aware of changing winds with the idea of retirement at 65.

wsj.com

Here is some goods news for Boomers.  This chart from the Wall Street Journal article “Working at 85: The Idea of Retirement Is Dying in Japan” (1) shows that the US has the second largest proportion of people in the workforce who are aged over 65.  I’ll explain why this is good news in a moment.

First, let’s ask, “Why 65?”   The concept of retirement, as we know it, began with a political ploy in the late 1800s.  Chancellor Otto Von Bismarck of Germany announced that he would pay a pension to any nonworking German over age 65.   Sneaky politician that he was, he knew that hardly anyone lived to be 65 at the time.  Politics or not, this set the arbitrary world standard for the age when people retired.  The trick worked.

President Franklin D. Roosevelt learned from this and used this age when he pushed for the creation of the Social Security Act of 1935.  This idea of needing to quit being productive at age 65 grew and still worked because the the average life expectancy then was 61 years.

Now the wind is not behind the back of Social Security.  When the program was created in 1935 there was a ratio of approximately 37 workers for every 1 retiree. Today, the ratio is is less than 3 workers per 1 retiree.

Compounding the problem is the increase in the average life expectancy.  Even though the US life expectancy has fallen behind many other developed nations, the expected age of 61 has lengthened to almost 80 years.  Yet the idea of a retirement age remains at 65.

This compounds the problem.  There are more beneficiaries versus workers and these beneficiaries are receiving payments for much longer periods of time.  This is a demographic gale blowing against Social Security.

A big chunk of the world’s population arrange their entire lives based on a cheap political trick that the nation can no longer pull off.  There is a demographic gale blowing against Social Security.  The numbers no longer work. Fortunately they do not need to.

Here is the good news for Boomers.

The WSJ.com article “Working at 85: The Idea of Retirement Is Dying in Japan” shows how the changes in the winds of retirement are causing the  Japanese government, concerned about the costs of supporting an aging populace, to encourage companies to keep older people in the workforce longer and offering subsidies to some that employ workers over 65.

The article says (bolds are mine):  Companies typically figure they are dumping high-price workers who are past their prime. But some are realizing that can be shortsighted, especially in a sales business when the people walking out the door have client lists that took decades to build. Who better to target consumers in their senior years than other seniors?

Daiwa Securities Group Inc. used to set an age limit of 70 for veteran salespeople working under contract. It recently scrapped the limit.  “This will make it possible for us to have more consultants in the age range of 60 to 80, which is similar to the generation that holds the largest financial assets,” says the brokerage’s chief executive, Seiji Nakata.

The clue in this article about Japan that can help us in North America is the sentence highlighted in bold. “Who better to target consumers in their senior years than other seniors?”

With the rapid technological change taking place on earth, we live in an era where the value of our experience is worth more than the cost of getting it.  Previous generations were worn out when they reached 65.  Today, we can be in perfect health, active, alert and strong, ready to go.  Even if we are not physically strong, who cares?  Muscles are no longer a highly paid asset in any industry except sports.  Intelligence, experience, contacts, value, grit and willingness to work and get the job done are the qualities that receive premium payments now.

As Boomers, we are part of the second largest and wealthiest demographic group that has ever existed.  We are in the best position of all to succeed in this marketplace.  The wind is behind our back.

The fact that the US has the second largest proportion of people in the workforce who are aged over 65, means that Boomers still need help and this problem creates opportunity.

These facts give Boomers a chance to create a pinnacle career connected to their personal destiny.  This is such a benefit because when we are connected to our destiny… to some tiny, but important part we can add to humanity’s existence we gain fulfillment as well as financial stability.

Merri and I have learned this fact as we followed our destiny and shifted the focus our activity again and again to what we loved.  We actually retired in the traditional Western business sense 20+ years ago.  We sold our print publishing business, went to Ecuador, bought a hacienda and lived with a yatchak and his apprentices, to learn more about maintaining natural good health.  We had no business plans but started a small website because this is what we loved doing.  That website grew to be the largest about expat living in Ecuador.

Then our destiny led us to return to Smalltown USA in 2009 and the focus of our writing shifted again.  Now we have AIRBNB rentals  and grow trout.  Plus our website contains well over 6,000 posts that have been sent to tens of thousands of readers every day.  Most of our readers are Boomers, because who can understand the wants, needs and desires of a Boomer, better than a Boomer.  We are still serving and enjoying doing what we love.

A pinnacle career is a destiny career.  Follow the path that nature sends you.  Look for a wind behind your back.   Serve… doing something that is good for a community of like-minded souls that brings you a satisfying and financially rewarding non-retirement.

Follow those steps and I promise… you’ll feel bright and anxious to get going every day.  A Pinnacle Career is a better alternative to retirement at 65.

Gary

(1) www.wsj.com: A wrinkle in Japans retire at 60 rule workers who don’t quit

One Week’s Effort – Ten Year’s Pay

Over 30 years ago Merri and I locked ourselves in our basement every day, for ten days.  We wrote a report about financial secrets.

gary scott

The report sold well and generated an immediate and excellent income.  Now it’s long out of date.  I just have this one copy left, stored in my archives.

However those ten days of effort, three decades ago, started a chain of events that creates residual income for Merri and me to this very day.  Even better the ten days effort should continue to create income for us for many years more.

Learn how to use brief efforts that create extra income now and continue to pay you for years… even though you don’t do a thing after the first effort.   These lessons even show how to generate cash flow that lasts so long, your heirs will enjoy the income too.

Learn how to do a little work for a lot of income, that comes in, again and again.   See nine secrets below on how a small independent at-home-business can generate long tail income (money that comes in again and again) from one small effort.

Learn how to easily gain the most important things in life;  freedom, friendship, financial security, prestige, tax savings, legal protection, fun, adventure, self sufficiency, fulfillment and more satisfaction… with very small amounts of money and time.

Here are five of nine secrets, for creating long tail wealth:

Secret #1: The business must enjoy the multiple effect.  A product once created must produce profits again and again, almost on a never-ending basis.  Each venture in the business needs to make a huge return to start and then continue generating earnings year in and year out.

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

Secret #3: The money making system must have a purpose beyond money and be enjoyable and fun!  Sad but true, most of us make money for the sake of making money.  Many spend their lives working, just to have a few precious hours having fun.  The most important fact I learned about making and keeping wealth was that those who were richest absolutely loved what they were doing and felt they were doing something that was good!  Money was of secondary importance to their effort.  And as things are, this means they actually ended up making more!

Secret #4: The money making system must be flexible.  No matter what the economy brings, your ability to make money should work regardless of inflation, recession or even depression.  The business must have resilience-so if times turn tough, they can evolve and turn change into even more income.

Secret #5: The business must be able to start small, but grow large.  I learned that business ideas work best with small starts to begin and can be operated on either a full or part time basis.  Most businesses start with a learning curve.  During that time, it is essential they are small.  Once the lessons have been learned and the system is operating properly, then it can grow larger with higher income.

The way to make money in this way is by publishing to sell!   Almost anyone can make more than respectable income when they publish to sell.  Publishing to sell fits all five secrets above, even if you never write a thing.  We’ll look at the other four secrets in a moment.

Publishing is not writing!  Publishing is the business that makes money from writing.  You may have read or heard about the great wealth good writers can make.  Guess what?  Writers make that money from a royalty paid to them by a publisher.  The royalty is normally 15% of the book’s wholesale sales, after returns.  Guess who makes the other 85%?  Guess whose decisions make or break the fortunes of the writer?  The publisher!

Publishing to sell is a business where you get the 85% from publishing,  PLUS MORE… and have extra earnings that just keep keep rolling in, year after year.

Publishing is the business of producing, selling and delivering words.

“Publishing-to-Sell” is the business of producing, selling and delivering books that provide important valuable information, but also leads to the sale of other publications, services or products.

For example, Merri and I used publishing to sell in Ecuador.  We published a report about living in Ecuador.  This was an informative report that helped thousands of readers move there.  The report also outlined the benefits of our Ecuador real estate tours and Super Thinking Spanish courses.  That particular effort starting in 1995 created a million dollar business that still generates earnings to this day even though we have not been in Ecuador for many years.

Here are other examples.  One publisher who used the course, Joe Culbertson, D.C.  is a chiropractor.  Eating junk food creates numerous problems including difficulties in the spine so Dr. Joe created a simple use-at-home spinal device to help the spine.  He published a series of articles about the spine.  Those articles helped sell a three part book he published  Secrets of the Spine: The True Mind/Body Connection.  The book helped him sell his spinal device.

spine

From Dr. Joe’s website.

Another smart self publisher, Jamie Alexander, who used our self publishing course, has a cooking school.

Jamie started her professional baking career at age 20 when she apprenticed under the best-selling cookbook author, Nathalie Dupree.  When she was living in Paris, she studied at LaVarenne, the Cordon Bleu Cooking School and with the pastry chef of Maxim’s.  Her health problems created by high blood sugar levels caused her to have a passion about baking in a healthy way.  She began perfecting chocolate cake recipes that added nutritious ingredients and eliminated unhealthy ones such as sugar.

You have my word for it, these cakes are delicious and there is not an ounce of sugar or white flour! What a treat!

jamie alexander

Jamie Alexander’s recipes are for sale at Amazon.com and include “Carrot Cake Quinoa Brownies”, “Reid’s Gluten-Free Chocolate Quinoa Brownies”, “Pumpkin Cranberry Quinoa Cake” and “New Orleans Espresso-Infused Chocolate Quinoa Cake”.  See all five Jamie Alexander quinoa stevia recipes below. 

The sale of these recipes are really valuable and worthwhile, but they also help sell Jamie’s New Orleans cooking classes!

You can write what you publish to sell or publish what others write to sell.   Some writers, like myself write and also publish.  That’s because 85% of the income from printed publications normally goes to the publisher.

You can earn as a writer.  You can earn as a publisher.  You can publish, or write, or both!  You can also generate long term income from what your publication sells.

Publishing to sell can create outrageously high long term income for little work and you can do it from your home, in an RV or even while cruising or living on a boat or traveling.  It is possible to generate large amounts of extra income month after month, year after year.

Publishing to Sell has become better, much… much better.   Our early success above (the ten days of effort that still earns 30 years later) began when our publishing-to-sell business was in print.   When the Internet became popular and we created a website (in the 1990s), the cost of publishing risk went into a steep dive due to a new advertising medium called Pay Per Click (PPC).  Prior to PPC the biggest part of every publishing venture was paper, printing and postage.  If a publication was mailed, and not read, the paper, the printing and the postage still had to be paid for.  The cost of sending publications which were never opened, created a huge risk.

PPC means that a publisher today only pays from the delivery of a publication when it is opened.  This dramatically reduces upfront cost and risk.

Freedom is the most important benefit.

In the 1970s, I had what I thought was a good business but to be honest I could never get ahead.  I always seemed to be in debt.  The harder I worked, the deeper the hole my finances seemed to be in.  My financial situation robbed me of freedom.

Then I discovered publishing to sell.  Since then our publishing-to-sell business has brought in millions.  We gained all the physical possessions we desire, more houses than we could use (we rent them), two tropical beachfront homes and a Tuscan inspired villa in the mountains overlooking a roaring creek, a 250 acre farm and a 900 acre plantation in Ecuador, plus more than enough money in the bank.

Our income exceeds our expense.

We do not have one penny of debt and we have as much leisure as we choose.

We are free to work when we want and can decide when we want to slow down and relax.

We live where we like and most important, we arise from bed without an alarm, work without undue stress and have fun every day!

My wife, Merri, and I are our own bosses and do what we love.  We have learned that through publishing to sell, we can accomplish far more important goals, to gain self fulfillment and be of service to our community.  In short, we get paid helping make ourselves and the world a better place.

What do you love?  Rare cars?  You can make a fortune publishing to sell in the genre you love.  Do you prefer fine art?   Or do you love beautiful jewelry, coins, gems, real estate, furs, model railways, dolls, scientific equipment, war memorabilia, old and rare books, or whatever?

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

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

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

Publishing to sell can also be international so you can live anywhere and still earn everywhere.  This is especially valuable if you love to travel.  For example, one shrewd publisher realized that Panama was a great place to live so published information on Panama that sold Panama real estate seminars.

Other publishers reaped rich rewards selling information on their own country.  For example, there is currently a huge growth in domestic tourism.  Self publishers are in a position to do something about it… by selling U.S. knowledge everywhere!

Merri and I, for example, lived in Europe for years, then fell in love with Ecuador for 15 years.  We earned by publishing our experiences gained in each place.

Now in our 70s, we live in Smalltown USA. We love the peace and quiet, are closer to my mom, our children and grandchildren.  We still publish to sell!  In each phase of our lives, the publish-to-sell business allowed us to move and live where we desired.

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

For example, you’ll see how when we reached retirement age, we slowed down our self publishing business but still earned $2,404725.98, tax free, over the next ten years.

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

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

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

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

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

This course can put you well on your way to publishing to sell and give you the freedom to live wherever you choose!  It covers the five secrets I mentioned above and the four additional secrets below:

Secret #6:  How to gain 1,000% returns.  See why some of the wealthiest families in the world today come from publishing.  Learn how margins can be so incredible that few would believe them.  This online course contains many case studies.  Case Study #3 for example shows one publisher who sold an idea delivered on one photocopied page.  His cost was only three cents, his selling price $12.50!

Secret #7:  How to create and market your product or find products to sell.  Learn 11 steps in creating the perfect product.  Understand how to review ideas, test focus, aim at markets.  See why you don’t have to write anything if you don’t want to!  Learn where and how to get your data and get others to write for you almost FREE.

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

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

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

Secret #8: When to print, how to print and when to go online only.  How to print and fulfill.  Learn how to cut your printing bill in half by asking for quotes differently.  Learn tricks of the trade, how to get the best quality at the lowest price, why to avoid the biggest printer in town and why to avoid the franchise printers.

Secret #9: How to compute and use the Internet.  With an inexpensive computer, you can easily run a business from home and still have tons of time left over-even if you are computer illiterate.  Merri and I have proven this!  The secrets in the course include a step-by-step approach on what to do.   Our partner, the internet expert includes what you need to know for online publishing.

The course contains information on how to use computers and the Internet for your publishing business.  For example you will learn how I have eliminated hundreds of thousands of dollars of printing and postage by switching all of my business onto the net.  We unlock all the secrets of publishing so you can have increased lasting income and reduced taxation.  This course is perfect for those with great computer skills and can help you learn how to focus these skills into a profitable publishing business.

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

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

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

Another made millions with one simple legal idea.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Who is This Course For?

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

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

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

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

Due to the enormous savings of an online course, you can start for only $299 with a full money back if not satisfied guarantee.

Merri and I have had a publish to sell business together for over 30 years and both of us were in publishing before we got together.  Merri’s publishing experience even outstrips mine and we spend a great deal of personal time continually updating the course as the publishing business evolves.  We have a successful publishing business with over 20,000 readers, so our updates are based on real time experience.

Are you interested in a publishing business?  It can be small and part time mainly to gain prestige, fun and tax benefits.  It can be full fledged and rake in thousands a day.  If so, this course is an absolute bargain.  You should sign up now!  Our goal and guarantee is that you will be able to run your own publishing business that publishes to sell.

Though many readers have paid up to $2,000 for this course, you can start for only $299.  You could not duplicate the computer and Internet knowledge for $2,000.  It covers what you need to get on the Net, how to use the Web to publish, how to define your Internet market, how to develop your site, target your market and start getting visits, the top ten Internet tips to use, the top ten traps to avoid, and many other lessons our Webmaster has used in his 20+ years on the net.  In many cases your tax savings will be five to ten times the cost of the system alone, plus you will learn how to gain thousands of FREEBEES and earn hundreds of thousands a year.

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

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

Don’t miss this opportunity.  Sign up with this special offer.

Our Guarantee

If you are not fully satisfied, you can cancel the course any time in the first two months.

Why the Update Lessons?

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

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

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

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

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

Gary

See Five Jamie Alexander healthy, delicious, quinoa-stevia recipes here

Income & Pension Shifts Part II – Triple Distortions


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

social security

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

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

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

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

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

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

The chart below shows the rising benefit gap.

social security

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

What to Do

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

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

career builder

Gain from triple distortions that create greater opportunity.

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

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

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

Hobby farming is not very profitable but hobby farms are.

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

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

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

wall street journal chart

The article shows this chart and says:

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

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

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

Good Time to Act

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

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

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

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

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

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

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

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

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

Gary

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

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

(3) www.careerbuilder.com

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

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

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

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

Live Anywhere – Earn Everywhere

A huge economic struggle is taking place.

If that struggle is lost what’s left of our privacy, the safety of our food supply, the control over our health, the safety of our money and even the sanctity of our opinions and thoughts could be lost.

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

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

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

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

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

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

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

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

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

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

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

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

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

Seven companies are involved in a more sinister plot.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

May I coin a new word, Pruppie?

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

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

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

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

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

ecuador-banks

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

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

Let me provide one simple, concrete example.  Ginseng.

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

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

goldenseal ginseng

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

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

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

Here are some of the experiences this report shares:

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

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

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

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

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

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

Fwd: gary-scott-tipis

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

gary-scott-farming

Our North Carolina greenhouse.

gary scott greenhouse

Our Florida greenhouse.

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

merrily farms

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

My Guarantee

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

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

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

Buy Live Anywhere, Earn Everywhere Report  $39.99

Gary

 

Worst Pension Problems of All


What’s one of the worst pension problems of the world?   Developed economies offer pensions based on emerging market assumptions.

When emerging economies emerge they enjoy a rapid growth spurt.  Labor costs are low.  Regulations are few.   Farmers moving from the land to the factory need little training and offer one of the cheapest boosts in productivity of all.  Small business people work day and night.  Safety, fair wages and the health of workers are not prime factors.  Survival is the key. Low wages and poor conditions are better than starvation, which is the worst condition of all.

A middle class forms. Workers gain some political clout, demand more (as they should) and their children move into higher level careers.  Costs and the time required to prepare the population for the workplace rise.  Some money has to be set aside for the portion of the work force that does not step up to the next level.  Growth slows.

If the economy gets it right, some new technology and new way to produce and live and cooperate comes along; electricity, the steam engine, the car, radio, TV, computer internet and so forth.  Each product creates new productivity and a new market and even developed economies surge ahead from the making and buying of the innovation.

In between each great innovation, there is a transition stage where economic growth stagnates:  the people, government and industry try to stimulate growth in artificial ways and when this does not work, they panic as a whole and become risk-averse.

During the emerging stage of an economy, the option for poor people is to put in full effort, or die or live a life too miserable to contemplate.  Developed economies in a transition stage have some fat available, some capital to hold onto and fight over the way its shared.

The developed Western economies are in eras of transition.  There is plenty of innovation,  artificial intelligence, gene therapy, robotics and software apps.   But almost all of it is incremental innovation, not revolutionary and none of this brings better standards of  living for the majority.

For example, driverless cars are an incremental innovation integrating cars and computers.  This innovation can free hundreds of thousands from having to work as drivers.  But what will those who were the drivers do?  A few will become richer, Tesla, Uber and such will make billions.  Maybe the economic numbers will even rise.  Yet a higher portion of the population will be poorer.

The car on the other hand was a revolutionary innovation.  This replaced the horse and buggy, but every horse and buggy driver could become a car driver and everyone who had access to a car could go further, carry more, reach new markets, etc.  The majority became richer.

Economies grow by helping workers labor more effectively.  When changes help everyone work together to produce more, the total factor productivity rises.  The majority profit.  The total factor productivity is the real factor behind a nation’s economic growth.  The growth peaked in the US in the 1950s at a rate of 3.4% a year as technology such as electricity, aviation and antibiotics worked their way into the mainstream.

“Total factor productivity” has steadily slowed since the 1950s and in the last ten years has averaged about half a percent.

A Wall Street Journal Article “The Economy’s Hidden Problem: We are Out of Big Ideas” points out why the standard of living for the majority has stagnated.  “Outside of personal technology, improvements in everyday life have been incremental, not revolutionary.  Houses, appliances and cars look much like they did a generation ago.  Airplanes fly no faster than in the 1960s.  None of the 20 most-prescribed drugs in the U.S. came to market in the past decade.”

Until the next big technological advance comes along, economic stagnation is likely to continue.

The global economy continues to grow.  There are more people making and consuming more products and services, but that growth has slowed down to the point that those who have not advanced technologically do not get a big enough slice of the pie to be satisfied.  Even without any great new thing, the developed world has still created incredible riches over the past half century.  The global economy has more than doubled.  Yet a huge portion of  the developed workforce has had almost no growth in real income.   Slow growth in developed countries has been the norm for decades.  This has caused the workforce and voters to be unhappy.

One way politicians and big businesses quell this discontent is by promising future benefits, without creating a way to actually delivering them.  Pensions and Social Security are prime examples.

For example Calpers, (California Public Employees’ Retirement System) the largest pension in the U.S, promises future benefits based on the calculation that it will earn 7.5% on its investments each year.   Last year it earned only 2.4%.

Calpers is reducing this 7.5% expected rate 7.5% with a goal to ultimately reduce the rate to 6.5%, although that could take decades.  The rate was already reduced from 7.75% after a disappointing 1% gain in 2011.

The problem is that even 6.5% will be too high unless some revolutionary innovation comes along.

This puts politicians and businesses between a rock and a hard spot because lower investment returns for future benefits mean greater contributions are required now.  Government costs and taxes increase or there is a reduction in government services.  Businesses are forced to increase pension funding or reduce promises of future benefits that are offered to workers.

Social Security is in the same boat.  Even before the new federal administration takes office the chairman of the House Social Security subcommittee, has introduced a 54-page bill, “Social Security Reform Act of 2016”, that would slash Social Security benefits for all but the very poorest beneficiaries.  The bill helps the lower level earners in some ways by eliminating the retirement earnings test so its easier to double-dip wages and Social Security benefits.  Minimum benefits for those who worked their lives through with low wages would also be increased.

Yet there are many downsides for those on the lower side of earnings and wealth.  The retirement age would be raised to 69.  Cost-of-living adjustments would be cut.  Taxes that high earners now pay on a portion of their benefits would even be cut.  In other words, higher earners would benefit.  The poorer segment of the economy would also be far more vulnerable to most government’s biggest trick:  inflation.  More dollars promised for the future, but those dollars when delivered buy less.

Unfunded promises made in years past with overly optimistic promises have sold the future short.   The future is here and now and the purchasing power of pensions and Social Security are deteriorating.   Many investors, economists, politicians and leaders are confused.  The slow growth has angered much of the public.

We can profit from this fact because most people don’t realize that this is the norm.   Since the 1800s, the industrialization of the world has risen in 30 year fits and starts in a “Cycle of War”.

The “Cycle of War” begins when there is a conflict of such urgency that all concepts of return on investment are thrown out the window.  Huge resources are thrown at refining new technology to help win the struggle.   After the war, the technology shifts from military to domestic use and great increases of productivity are gained.  The productivity leads to new fortunes and starts an economic bubble.  The bubble overextends and bursts.  The burst leads to economic stress and new struggles.  Once again R&D accelerates and leads to new and refined technology.

Fwd: dji-chart tgas:"2011-12-17"

We can see the “Cycles of War” by looking at this chart of the Dow Jones Industrial Index.  WWI, WWII, and the Cold War (Reagan and Thatcher fighting the Evil Empire) could be called War III.

The chart below suggests that the cycle is out of whack, with the Dow nearing 20,000.  Perhaps low interest rates or worries about the Middle East, China, Europe. The yuan and euro leave investors with fewer options than the US stock market.  If so and if the theory is still relevant, we’ll see a sharper than normal correction.

 

stock chart

Logic dictates that we should ask, “When and where is the next war?”  An even more important question, “What new technology which changes everything will emerge?”

The thrust of the next war might have to do with cyber security and communications.   If so, we can see skirmishes heating up from the hacking of political emails, theft of a billion Yahoo accounts and viruses in NSA code.

The reality is we cannot know what war will erupt.  We have even less chance of  guessing what the next revolutionary innovation will be.  Startup investors protect against this by investing a little in many innovators, expecting to lose on most but win big on a few.  Venture investors who bet on Compaq, Commodore, Burroughs, Control Data, Honeywell, Netscape, Origin Systems, Sirius Software, Apple and Microsoft, may have had an 80% failure but probably did well overall because of the two winners in the portfolio.

This type of investing suits some investors well.  A little of such speculation may be good for most investors.  Mostly, though, we should protect our wealth and savings beyond our pensions and Social Security with slow moving, low cost, highly diversified good value investments.

The simplest such investment is a single global equity ETF such as the Vanguard Total World Stock ETF (VT).  If you seek a balance to US investments, the Vanguard FTSE All-World ex-US ETF (symbol VEU) invests only in 2,537 non US shares.  VEU is huge ($24.6 billion under management) and has a really low expense ratio of 0.13%, 88% lower than the average expense ratio of funds with similar holdings.

Pensions and Social Security may not be enough to secure a future.  Unfunded promises based on unrealistic growth are subject to reduced purchasing power.  Whichever approach you take to securing your future, look beyond the promises and put your trust in value rather than political promises.

Gary

See how I diversify in slow moving, low cost, highly diversified good value investments with Pi.

Investing Beyond the Boom

Warren Buffet once warned against the Cinderella effect.

He said “Don’t be fooled by that Cinderella feeling you get from great returns.  Nothing sedates rationality like large doses of effortless money.  After a heady experience of that kind, normally sensible people drift into behavior akin to that of Cinderella at the ball.  They know the party must end but nevertheless hate to miss a single minute of what is one helluva party.  Therefore, the giddy participants all plan to leave just seconds before midnight. There’s a problem, though: They are dancing in a room in which the clocks have no hands.”

Cinderella may have lost a shoe when she fled the party to meet a midnight curfew.  We can lose much more when we rush from a crashing stock market.

Most investors face emotional dangers that build in rising markets.

Almost everyone feels good.

But the he 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.

The course examines and regularly reports on the hows and whys of seven professionally managed portfolios so we can learn how managers find and invest in good value.  The Pifolios are:

  • Keppler Good Value Developed and Emerging Market Pifolios
  • State Street Global Advantage Emerging & Developed Market Pifolios
  • Gold & Silver Dip Pifolio
  • ENR Advisory Extra Pifolio
  • Tradestops.com Trailing Stops Pifiolio

tradestops

As you can see in this image (click to enlarge) the top performing Pifolio we are tracking is the State Street Global Advantage Pifolio was up 43.15%.  Here is the breakdown of that current Pifolio.

pifolio

Learn how to invest like a pro from the inside out.

State Street is one of the largest fund managers in the world and their Global Advantage funds invest in good value shares in good value markets.

In the updates we review each portfolio, what has been purchased and sold, why, the ramifications for high risk, medium risk and low risk investors.

At the beginning of 2018 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!

This portfolio has outperformed the US market (S&P 500) in 2017 as the chart below shows.

My portfolio blue.  S&P 500… green.

Screen Shot 2018-06-04 at 7.39.15 AM

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 2018” free.

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

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

I have updated this report and added how to use the Silver Dip Strategy with platinum.   The “Silver Dip 2017” 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 2018” about a leveraged speculation that can increase the returns in a safe portfolio by as much as eight times.

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

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

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

seminars

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

This year I celebrated my 50th 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.

keppler asset management chart

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

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

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

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

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

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

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

Save $468.90 If You Act Now

Subscribe to the first year of The Personal investing Course (Pi).  The annual fee is $299, but to introduce you to this online, course that is based on real time investing, I am knocking $102 off the subscription.  Plus you receive FREE the $29.95 report “Three Currency Patterns for 50% Profits or More”, the $39.95 report “Silver Dip 2018” 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

 

 

 

 

 

Pruppies and Independent Wealth


We should look for new ways to attain independent wealth.

There are plenty of reasons we should worry about “the system”.  There are many reasons why it could falter.

For example as more millennials vote, Social Security risks grow.  In the past when Boomers were the largest demographic group, Social Security was considered the “Third Rail of Politics.”  Any politician who touched it would die.

Now Millennials are the largest voting group, rapidly outpacing boomers as more millennials come of age and boomers die.  Boomers collect Social Security.  Millennials are having to pay more and more for it.  As more millennials vote and grumble about their share of the Social Security burden, the more politicians will think about Social Security change (think the word “reduction”).

There is an Even Greater Political Danger

The current election process  shows that voters are really fed up with the existing system of government.  The public wants change and there are ways to change the system beyond electing a new President and/or member of the Senate or Congress.

One method to change American politics is through constitutional change.

One way to make constitutional changes is for amendments to be proposed by the Congress with a two-thirds vote in both the House of Representatives and the Senate.

The second way to change the Constitution is through a Constitutional Congress, also called an Article V Convention, or Amendments Convention.   If two-thirds of the state legislatures, call for such a convention, it will be held and the Constitution can be altered.

This won’t happen?  Let’s don’t be too sure.  Twenty seven states have called for a convention on a balanced budget amendment.  If seven more states joined in, the federal government would have to have a convention and if a balanced budget amendment were passed, things would change.

In February, 2016 Senator Ted Cruz signed on to a call for a constitutional convention to help defeat the Washington cartel.  Senator Marco Rubio and Governor John Kasich have endorsed a Constitutional amendment to mandate a balanced federal budget.

A convention like this has not been held since the 1700s but is becoming a real possibility.

One big loser if a balanced budget becomes constitutional would be Social Security.

An Even Bigger Possibility of Change

The problem is that though the states have called for the convention to balance the budget, the way the rules are defined in the Constitution, the convention cannot be about just one issue.  Once the convention starts, anything can be changed, not just the budget.

A Washington Post article “A constitutional convention could be the single most dangerous way to ‘fix’ American government” (1) explains when it says:

A dangerous proposal is circulating in states across the country that could widen political divisions and jeopardize cherished rights and freedoms.  The push is coming primarily from well-organized, arch-conservative groups seeking to capitalize on the decline in public trust in government to limit the federal government’s role and spending powers.  And the method they prefer is a constitutional convention — the first since the 1787 conclave that produced the U.S. Constitution.

Under the Constitution, if two-thirds of state legislatures call for a convention to amend it, one must be convened.  Some of those pushing for a convention say that 24 of the needed 34 legislatures have approved such resolutions.  Advocates of a convention have targeted more than a dozen other states and are developing lobbying campaigns to push for such resolutions there.

The implications are enormous.  At stake, potentially, are the freedoms we take for granted under the Bill of Rights; the powers of the president, Congress and the courts; and the policies the government can or cannot pursue.  Conventioneers could alter absolutely anything about the way the United States is governed.

The risk is that the Constitution allows this to be an “anything goes” type Convention.  There are no rules, procedures or precedence for a constitutional convention.  The Convention can set its own agenda and add delete or change anything.  Convention participants could ban gun ownership.  They could limit freedom of speech or of the press.  They could allow a President of life, and/or impose term limits.

Such a convention could remove our right to Life, Liberty and the Pursuit of Happiness”.

A convention of this sort would be a free-for-all for special interest groups and the acrimony could make the Presidential election look like child’s play.

There is immense potential for good and bad.  And there is a certainty of change.

In the past I would have said, “Ain’t going to happen”.  Yet during this election there are a lot of things I would have bet would not happen that have.  So we are all warned.

Join the Pruppies

May I coin a new word, Pruppie?  We all know about preppers.   They believe that the world, as we know it, is about to end.  And we also know about Uppies, upward professionals.  Uppies  expect their world to get better.

I ask you to join Merri and me as Pruppies, those who expect the world to get better and live and earn based on that expectation but have an enjoyable lifestyle that also happens to prepare us for bad times as well as good.

Just in case… the world goes sideways… we will survive, prosper and be happy anyway.

Let me be clear.  I expect that the world will get better!  Believing in progress is most important because doubt can kill growth and the mainstream media always focuses on doom and gloom that spawn doubt.  When  you read the news, the world does seem about to end.  That’s the way it is been since I began business 50 years ago.

Gary

(1) www.washingtonpost.com  a-constitutional-convention-could-be-the-single-most-dangerous-way-to-fix-american-government

Learn how to invest in Gold & Silver for good times and bad.

Silver Dip 2017 is Better Than Silver

Because of a dip in the price of silver, the Silver Dip 2015 returned 62.48% profit in just nine months.   In 2017 another precious metal speculation is even better.

silver chart

SLV share chart from www.yahoo.finance.com (1).

Imagine investing ahead of a spike like the silver spike shown above.  A new spike, but in another metal, is looming ahead.

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 2017” 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 and the price of silver dropped below $14 an ounce.  I knew I needed to share this experience with readers immediately.

In September 2015 I wrote, “The low price of silver offers special value now as silver’s price could begin to rise at any time”.

Here is what happened in the next nine months:

Shares in SLV (a silver ETF) rose from $13.50 to $19.35.  There was also a forex profit.  The British pound moved almost exactly as it did 30 years ago falling from 1.55 dollars per pound to 1.34 dollars per pound.

pound chart

Pound dollar chart at finance.yahoo.com (2)

6,451 pounds borrowed 9 months earlier at 1.55 converted to $10,000 to invest in the silver ETF SLV.   At 1.34 it only required  $8,644 to pay back the loan.  This created an extra forex profit.

This position has not run out of steam.  The price of SLV is likely to rise more though British pounds are no longer the currency to borrow.  The “Silver Dip 2017” report shows why replacing pound leverage with US dollar leverage is better.

There is a Better Metal to Speculate in Now

“Silver Dip 2017” has been written to show how to determine good value in precious metals and ways to use gold, silver, platinum or other precious metals to spice up returns in safe, diversified stock portfolios.

Here is some history of the Silver Dip strategy.   “The Silver Dip” report of 1986 was the first specific investment report I ever published.  Silver had crashed in 1986, I mean really crashed, from $48 per ounce to $4.85 an ounce.  After I wrote that 1986 report, silver’s price skyrocketed to over $11 an ounce within a year.  The 1986 Silver Dip described how to turn a $12,000 ($18,600) British pound loan (investors only had to put up $250 and no other collateral) into $42,185.

Circumstances relating to precious metals in 2015 were similar to those of 1986.  In May 1986, the dollar pound rate was 1.55 dollars per pound.  The pound then crashed to 1.40 dollars per pound.   The loan could be paid off for $13,285 immediately creating an extra $5,314 profit or total profit of $47,499 in just a year.

Imagine how my interest was aroused when in 2015, silver was in a similar crashed position and the British pound was again worth $1.55.  Low priced silver (compared to gold) and a 1.55 dollar per pound forex parity created an ideal condition for a speculation in silver.

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… 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.

Gold is the cornerstone of the Silver Dip.  When silver prices are too high or low versus gold, then the conditions become ideal for a silver speculation, if gold’s price is stable or too low.

Yet gold is one of the hardest assets to value.  As a gold bug who has been investing in gold since the mid 1970s, I know this is true.  I have seen too many predictions over the decades that have been wrong and I doubt that this will change in our lifetimes.

In early 2017, when the “Silver Dip 2017” report was released, gold did not fit the ideal criteria for speculation.  Gold was simply fairly valued.  A study in the “Silver Dip 2017” shows that the same amount of gold is needed today to buy a car, go to a movie or rent a home as was required in 1942.  The price of gold has risen 33 times since 1942, but since 1942 US median income increased 29 times.  House prices rose from 1942 until 2016 47 times.  Cars jumped 36 times.  This is true of going to a movie, up 33 times or renting an apartment.  Apartment rentals are up 34 times.  Had you stored a pile of the precious metals away in 1942 to buy a car today, you could do it.

Gold in the $1,200 range in January 2017 is a little low, but about where we would expect it should be.  Silver offers better opportunity than gold.  When the price of gold is 80 times (or more) higher than the price of silver history suggests that silver is very undervalued to gold and will rise faster than gold.  Rarely has the ratio been as high as 80, only three times in 36 years.  The gold silver ratio was in the 70s at the beginning of 2017, an indicator that silver prices may rise faster than gold, but this ratio of 70, is not high enough to be called ideal.

Platinum conditions are ideal

Since 2014 the price of platinum has fallen below the price of gold and at the beginning of this year reached a historical low.  The distorted gold platinum spread suggests that platinum is a very good value.

The “Silver Dip 2017” explains how to speculate in platinum plus outlines the following:

  • How to use the Silver Dip strategy in platinum without adding a penny of cash if you already have investments.
  • How to invest as little as a thousand dollars in platinum if you do not have a current investment portfolio.
  • Why this is a speculation, not an investment and who should and should not speculate and how to limit losses and take profits.
  • Three reasons conditions are better for a Platinum Dip now.
  • Three different ways to invest and speculate in gold, silver or platinum in the US or abroad.
  • How to buy gold and silver or platinum with or without dollar leverage margin accounts.

The “Silver Dip 2017” 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 2017” 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 platinum.

Learn how to get platinum loans for as low as 1.58%.  See why to beware of  certain brokers and trading platforms, how to choose a good bank or broker and how platinum profits are taxed.

The report includes a complex comparison of gold and silver with other costs of living from 1942 to today to help determine the real value of gold, silver and platinum.

Finally, learn why and how to use advisers to manage profits from the gold and silver dips.

Current circumstances could cause the price of platinum 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 2017  $39.95

Gary

(1) finance.yahoo.com echarts slv

(2) http://finance.yahoo.com echarts gbp-usd

 

The Danger of Distraction


Let’s not miss the arrows headed our direction because we are focused on bullets shot overseas.

The news is filled with the negative impact of Brexit.  Such news can shake our beliefs, shift our attitudes and motivate our investing.  It can create fear or greed, and the words can move us to impulsive action.

Yet this economic news is mostly meaningless.  The real danger of Brexit is distraction from more likely risks, such as Social Security shortfalls that will arise in as little as four years.

A recent Wall Street Journal article (1) shows that Medicare and Social Security will begin to spend more than they earn by the end of this decade.  Insolvency can come in less than 20 years.  The latest Medicare trust fund report shows that Social Security will exhaust its reserves in 12 years and face total depletion in 18 years.  This could cause a 21% across-the-board benefit cut.

The reality is far worse.   Medicare and Social Security accounted for 41% of federal spending in 2015 and the trust’s assets are simply a huge accounting slight of hand.

Social Security payouts have exceeded collections in tax since 2010.  The numbers only look positive due to interest payments that the trust earns on trust-fund assets.  By 2020, even this trick will not work.  Social Security will have to sell assets to make payments.  Of course such accounting is little more than mathematical trickery.  The income and assets of Social Security are government debt.

No person or government can borrow their way out of debt, especially when they never balance their budget.

The government can’t balance its budget because there are increasingly more  recipients  than tax payers.  There were 2.8 workers for each Social Security beneficiary last year, down from 3.2 in 2008.  That ratio will slide to nearer 2 workers per beneficiary over the next two decades.

The lack of Social Security funds is only a third of the problem. Another third of the problem is rising costs.  Social Security recipients will receive less to pay for a higher cost of living.

The third problem is that the more expensive care will be inferior and not always free.  In a New York Times article, “When You Dial 911 and Wall Street Answers” (2) shows that turning emergency care and firefighting services over to private business is not a good idea.

Picture this.  A loved one slips into a coma and dies because the business that runs the ambulance was short staffed, due to business economies.  Or imagine that the ambulance arrives but is short of medical supplies because the business has run down inventories to increase profit.  Imagine seeing a house burn. You dial 911 but the house burns down because the fire department is slow.  Then you get a bill for $15,000 even though the private fire company arrived late.  Then the company sues for $15,000 when you refuse to pay.

This is happening.  As governments cannot afford to pay retirement benefits and emergency services, they increasingly turn them over to private businesses.  A wide array of civic services, ambulance, fire department, military, prison and hospitals are a few.

If you dial 911, you may be signing up to be a customer of a private business.  The problem is that often, you, not the government,  might be paying for the service.

This is trickery at its worst, but the problem grows.  Putting profit as a factor in life and death situations allows businesses to extort customers.  When a life or a home is at an immediate risk, customers will agree to anything.

Normally the refrain, “Give me your money or your life” is left to robbers.  Yet this concept can be and is used by business.

We have seen this in the pharmaceutical industry.  When questioned about raising the price of one prescription by 550% to $750 per pill, the CEO of Valeant Pharmaceuticals was quoted:  “If products are sort of mispriced and there’s an opportunity, we will act appropriately in terms of doing what I assume our shareholders would like us to do.”

Another quote in this industry about high prescription pricing was that “$1,000 a month did not seem like much for something that can save a person’s life.”  Out of context this is true.  Most of us would be willing to pay $1,000 to save our lives at any time. But can most people do this month in and month out?  Should a person have to pay this much when the pharma’s markup might be a thousand percent and when the drug was profitable at $20 a pill instead of $750.

Is it correct that every month the pharma firm can dictate price and say; “Give me your money or give me your life”.

Maybe this is why medicine has always been considered a profession, not a business.  This is why these professions have an oath, (the Hippocratic Oath and similar professional oaths, like the Osteopathic Oath) that are above the law.  These oaths are not legally binding. These oaths are not required in order to become a practicing physician.

This lack of requirement is the power behind the oath.  These oaths are important because unlike a license or medical degree, which are required to practice, the physician chooses to take this oath.

This is why professions have a practice not a business.  When business replaces practice, two key components of the Hippocratic Oath (below) can get thrown out the window.

“I will remember that there is art to medicine as well as science, and that warmth, sympathy, and understanding may outweigh the surgeon’s knife or the chemist’s drug.

“I will remember that I do not treat a fever chart, a cancerous growth, but a sick human being, whose illness may affect the person’s family and economic stability.  My responsibility includes these related problems, if I am to care adequately for the sick.”

Perhaps long ago, great healers who created the oath recognized that the responsibilities in commerce and of public emergency service do not mix for one simple reason.  In commerce both the buyer and the seller should have an opportunity to negotiate and agree on the terms of the product or service and price.  In emergency situations, especially those of life and death, just as it is in armed theft, the weight of the negotiation leans too heavily for the business.

The main responsibility of the businessman versus the doctor shifts from the patient to the shareholder and the message to the patient can become ‘give me your money or give me your life’.

The patient (ie now customer) has no or little choice.

Private fire departments can bill homeowners thousands of dollars for putting out fires.  Will you quibble over the price when your house is blazing or your loved one is near death and needs immediate care?

This trend has been growing as many big investment banks and firms have invested in emergency services that customer’s lives depend upon.

When it comes to emergency services it’s better to take government “inefficiencies” over corporate greed as it is morally wrong to put profits above the lives and property of a community.  At least, as taxpayers,we can exercise some authority with our vote.

How do we solve these problems?

Merri and I have been writing about what we do for more than 30 years and since we returned from Ecuador to Smalltown USA we base our strategy around three foundations.  First, we work hard to maintain good, natural health and stay out of the modern health care system as much as possible.   Second, though we are in our 70s, we continue to run a micro business that offers products and services that create income.  Earning more then we spend is our basis of everlasting wealth.  We rely on our energy and skills more than the promises of the government, pensions, banks, etc.  Third, we avoid debt and invest what we do have saved in value using our anchor of value and mathematical financial information rather than economic news as our guides in investing.

We would like to spend a long weekend at our North Carolina farm sharing what we have learned and experienced over 50 years of investing, living and operating businesses globally.

We provide a special service, our International Club and hope you will join us for the year ahead.

Gary

(1) www.wsj.com/articles/social-security-medicare-trust-funds-face-insolvency-over-20-years-trustees-report-1466605893

(2) www.nytimes.com/2016/06/26/business/dealbook/when-you-dial-911-and-wall-street-answers.html?_r=0

How to Have Peace & Profit in 2019

There are still ways to reduce stress.

Prolonged exposure to stress is the # 1 root of death and disease in our modern world.

Stress can ruin your health and wealth… in many ways.

Daily stress has been magnified because we no control, no way out of the current global political and economic mess.  The news makes current problems feel like things are getting worse.

This downwards spiral leads to health problems, heart disease, hypertension, impaired immune function, infertility, and mental illness.

The health problems lead to economic problems from loss of income, poor investment decisions and high disease management costs.

farm

farm

Yet there is a way back.

I was reminded of this once when I made a horrible mistake.

The supposed error?  Letting my mind wander six decades back to an hour I spent with a girl.

Learn from this near disaster, seven most powerful sources of wealth, health, security and fulfillment in this era.

The girl was pretty and blond.  Terry was her name. My imagination spanned decades returning to my Oregon roots seeing her as if she were there.

We were 11 or 12 and had known each other since we started Rockwood grade school.  Just buddies, our non-romantic friendship lasted 12 years, from first grade till high school’s end.  Then she went off to Pepperdine College in California.  I started traveling the world.  Never saw her again.  I hope her life has gone well.  But until that reflection I’d never thought much of Terry in so many years.

What could have been the tragic error was letting that memory touch my heart.  Two kids, walking on a crisp, Pacific Northwest autumnal afternoon.

We walked down a sun filled, pine needle covered, dirt path.  Huge, fat, green Douglas firs lined the road.  Traffic was no problem, not many cars.  Crossing Stark Street we turned left, hiking three blocks to 182nd.  There we passed an old clapboard candy store.  I can still hear the wooden sidewalk of that store slap beneath my feet, felt the soggy planks sag and smelled astringent pitch from the fir trees.  Then we turned right, up 182nd for about a mile.  There was Terry’s house.

I carried on, walking through a big field, waist high grass turned straw brown by an early frost.  There were dozens of paths made by who knows what.  Animals perhaps or countless generations of other kids walking home alone from school.  I chose one following it to another wood of tall, rough-barked fir.  Crossing one more field, I climbed a rock wall, struggled through a barbed wire fence (my Mom hated that fence ripping my jeans).  I was home!

Sweet simplicity, that dream.  Two kids holding hands, walking on a dirt trail under a crisp, but blue, sunny sky.  Pure innocence.

My tragic error was looking back.  I returned to Rockwood, Oregon with Merri and my kids to show them this part of their roots.  Following the route, Terry and I had walked were the candy store, grange hall, old wooden buildings and their home spun honesty and charm.

Instead we found six lanes of fast, frantic traffic and road rage.  McDonalds, KFC, strip shopping centers.  The car radio blared warnings of local gangs and drive-by-shootings.

Beauty, innocence, sweet simplicity, replaced by drive ins and drive bys.  Gangs and drive-by shootings replacing a tender walk in the sun.

Good bye memories, good bye.

How can our kids walk in places like this?  How can we return to those old feeling of security and comfort?

How can any of us possibly keep pace in this world that’s moving so fast?

Then something inside snapped.

“There has to be an answer for honest, hard working folks to enjoy the wonderful opportunities of today and regain what we’ve lost over the past forty years”, I swore to myself.

How can we keep up, without having such a fast paced life we turn into machines?  Where do we find time for God, family, charity, and our friends?  How can we rediscover those sun filled, pine needle covered, dirt paths we want to walk?

“There has to be places that are still innocent and pure”, I thought.  “There has to be a way of life that does not pound us with stress”.

This thinking led me to begin reviewing the thousands of economic and business experiences I have shared with readers over the decades.

This started a search for a simpler way of life and a better place to earn and protect our wealth.

By digging, asking and observing, traveling and talking to investors and investment managers all over the world I found that there are true paths to real security in the here and now.  That knowledge helped me develop courses on how to have natural health, everlasting wealth and purposeful investments.

This knowledge helped Merri and me invest in stocks and real estate all over the world.  It helped us find and develop our farms in North Carolina and Florida into sanctuaries.

That almost error led us to create an entire portfolio of information on how to keep pace, get ahead, enjoy our modern society but, to enjoy life wherever you choose without having to move too fast.

This is why I am making a special “Let’s get our lives back” offer.

“What would you think in the last 30 seconds of your life if you were the richest man in the world but were unhappy?”

This quote is from the opening slide of our Value Investing Seminar, “How to Secure Your Future With a Value Breakout Plan”.   This a vital question because few investors think about the value of comfort and happiness.  Yet the truth is, those who are comfortable and happy with their investments are most likely to succeed financially.

Without comfort, no matter how much money a person has, they are more likely to lose it or kill themselves with stress from worry.

There is a way to have the perfect form of financial security.

Let’s call it the perfect pension.  To help understand how to build an unshakable economic platform, here is Part One of the report, The Pruppie Factor.

The Pruppie Factor – Seven Steps to Comfortable Living & Profits.

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

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

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

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

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

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

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

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

Brexit, global warming and the American political process are examples of how the press gravitates to negative news.   The press  make anything and just about everything seem negative.  This can blind us to the positive realities ahead, if we let it.

Don’t.

Expect that the world will remain standing and look for opportunity instead!

Our wealth and economic opportunity is pushed by supply and demand.  We are part of a growing global population.  New technology makes more people, as a whole, more productive every day.  The world has increasingly larger markets creating more supply in increasingly efficient ways.

This reality increases everyone’s wealth.  Yes there is a lot of bad news in many places.  There is inequality.  There is crime.  There is war and hate and injustice.   Despite these negatives there is even more that is positive.  Opportunity grows.

Pruppies tap into and use every bit of the good news they can.  They have a plan B if everything goes wrong, but Plan B is based on something a Pruppie wants to do we love, not just a shelter from bad news.

At the end of this report, you’ll find a special offer that can help you integrate earning and investing for the ultimate form of profit and safety.

Imagine this example of Pruppism.  The Tiffany lamp casts an amber glow, rich, ivory and warm in the grey gloom of early dusk.  The gold knobbed mahogany desk, its deep patina waxed and smooth, shines with reflections of ancient leather Chesterfields stuffed full, but rumpled with age and of maritime shots that hang in brass frames on the wall. The room speaks of settled tradition, the kind that might never end.  But thoughts instead are on the demise of the business that has supported this room.

The late Jim Slater of Slater Walker, a British industrial conglomerate turned bank in the 1970s was in that room.  I recall his bank’s collapse well as I was living in Hong Kong and Slater Walker was a huge going concern in what was a British colony in those days.  The Slater Walker crash was big news that unsettled the entire British banking system at the time.

Slater, the founder, had been a really high roller, using every modern banking tactic available including buying many assets with cheap loans.  Then in the mid 1970s banking crisis interest rates skyrocketed and his bank was unable to refinance its debt.  The company failed and Slater had to resign.  Numerous charges were brought against him and he spent considerable time defending what he had done.

In the end he was only fined a nominal sum but despite this, his banking career was well and truly dead.

However he had already moved on.

He wrote about this in his autobiography, “Return To Go”.  He had always had a hobby making puppet shows and telling stories to his children, so instead of banking, he turned his passion into profit and wrote some children’s books.  His first effort sold a respectable 35,000 copies.  His next a monster series for younger children, became a huge hit.

He had also maintained a hobby of salmon fishing so again turned his passion into profit by creating a business that bought up fishing rights and resold them as time-shares.  He had quite a success.

Some day a catastrophe beyond our control could redirect the course of our lives.  We might lose a job, learn that our pension won’t pay or that our dollars won’t buy as much as they must.

Though Jim Slater was a banker, outside economic forces beyond his control caused his business disaster.  Yet he had options because he had been doing things he loved that were not related to his banking, but could become useful income generators in difficult time.

I do not know if Slater understood Pruppism but that’s what he was practicing.

Pruppism is a positive realism based on the knowledge that much of our lives are directed by events that we do not know or expect and could not change them even if we did.  There is always something we do not know and that’s okay.

Years ago I was speaking at an investing seminar in Marbella Spain.  One of the speakers was a brilliant strategist, Johan Peter Paludan, of the Copenhagen Institute for Futures Studies.  This institute has a large interdisciplinary staff with expertise in economics, political science, ethnography, psychology, engineering, PR and sociology.  They identify and analyze global trends that influence the future.  Paludan was speaking of these trends and answering questions that delegates had about the world’s economic future.

One delegate asked what to do if there was a global nuclear exchange.  Paludan replied that the results of some events are so unpredictable that it is not worth trying to plan for them.

This thought has stuck with me for decades because it helped me realize that no matter how cautious, how defensive and careful we are, there are events that we cannot even imagine that can turn our lives upside down, for the good or bad.  With this in mind my wife Merri and I have created a lifestyle where we turn our passions into profit but in a way that whatever happens we are likely to be in a position to spot the positive and the opportunity.

A PIEC Experience

Pruppies gain the benefits of PIEC wealth.  PIEC is an acronym for “Personal Income Earning Corridor”.  PIEC income and wealth come from doing what you do for love, rather than just the money.

Traditionally people get jobs to create income.  They work to live and support their lifestyle while attempting to spend less than they earn.  They hope, that maybe the savings will bring, sometime in the future, a lifestyle of doing something enjoyable without work.

Pruppies reverse the priorities.  Instead of working for money to save and invest, they focus their prime effort on doing something they enjoy right now.  Then they learn how to enjoy the effort in some profitable way.  They learn to create “Avenues of Abundance” that combine lifestyle with the necessary task of accumulating wealth.

If economic circumstances tie them to an existing income effort, they create hobbies that are income producers of the future.

For example, if a Pruppie loves golf; instead of working six days a week, 50 weeks a year just to golf on Sundays and during short vacations, instead he or she will create a business in some aspect of the golfing trade.

In another example, a client of mine, who loved animals became a vet.  But he learned that the vet’s lifestyle was not one he enjoyed.  He wanted to travel and move around, which is difficult for a professional who needs to stay at his office and build a practice.  So he built a business that prepares special animal foods for race horses.  Now he travels globally visiting horse breeders and makes much more money as well.

Pruppies combine money with time, energy and desires.  They generate income doing something desired.  Desire and fulfillment become at least as, if not more, important as the money.

#1: Do What You Love!

The reason PIECs work well is that when we love to do something, we do it better, for longer and with greater enthusiasm.

Effort, determination and tenacity are wealth building attributes that cannot fail.  Yet Pruppism does not mean we should suddenly abandon our jobs and try becoming golf pros, when we have never been able to break 100.  Smart Pruppies start small and gradually expand into their passion.

For example, as a writer and lecturer, I was never fully satisfied sitting behind a desk or standing on a podium all day long, even though I was making over a million bucks a year. I’m the physical, outdoors type and yearned for exercise and the wilds of the deep woods. “What good’s the money if this isn’t fun?” I often asked myself.

Rather than quit writing and teaching, I looked for ways to combine these professions with the outdoor life.  Through research I learned that many city folk like myself yearn to be in the primitive outdoors.  So I bought an isolated farm high in the Blue Ridge Mountains and an Andean plantation high in Ecuador where I developed seminar centers with charming but simple dwellings, set in rustic surroundings, with clean water and pure air.  Now I live in nature so after I finish the writing or talking, I can walk in the woods or take my axe and chop firewood or something physical.  I’ve combined my writing with physical work and have blended the life I want, with my readers’ needs in a way that makes great financial sense.

We built a series of cabins in the wild that bring more profits than most stocks or bonds could ever return.

The process took six years to shift. Now we have been at this for nearly two decades and we are far from finished.  But while doing what we love, who cares? This is one of the great benefits of PIEC investing. We can slow down and enjoy the work instead of always rushing ahead, looking for something more.

Those who work nine to five can start PIEC businesses part time if they are too uneasy to quit their jobs. Others, who like myself, already have a business can slowly shift their product or service in a sensible way and let it evolve toward their PIEC.

But where do we start?

There is a seven step process we can all use whether we have our own careers, a business or even if we are retired (PIEC investing is especially good for retired folks who have found the supposed good life flat or financially short).

The first step is to get a clear idea or vision of our dream.  This is sometimes harder to achieve than it seems.  We are so deluged with false ideals from Washington, Wall Street, Madison Avenue, etc. that we have to stop and really take stock.  What do we sincerely want?

There is a very practical economic reason to look inwards for wealth.  Warren Buffet recommends that we only invest in what we understand. What can we understand better than ourselves?

This inner search will lead us to an ideal that begins the second step which is gaining enthusiasm.  How can we be anything but enthusiastic about finally fulfilling our deepest dreams?  The enthusiasm leads to the third step; gaining an education.

We need to find out everything we can about our idea.  To succeed we must take the third step and become real experts in the product or service we offer.

Fourth, this educational process allows us to develop an intelligent, focused business plan we can act upon and the action is the fifth step which brings us the experience. Experience gives us the sixth step, a financial loss or profit.  We always profit in increased knowledge which creates the seventh step, more ideas.

Then the entire cycle starts all over again: Idea, Enthusiasm, Education, Action, Experience, Financial Profit and New Ideas.

This is a way to keep adding new opportunities into our lives.  Business is rarely static. It is an ever evolving process instead.

This seven step cycle may take days, weeks, months or years, but the moment you begin you’ll start moving into an avenue of affluence where you love your work so though money isn’t your main goal it comes more easily.

#2: Do what you love, but also be of service.  Do something for others that is meaningful and important to you.

We all have a purpose in life and when we are filling it, we feel fulfilled.  Wealth and fulfillment is the goal.  Fulfillment is important because of the law of diminishing returns.  A 2008 study that analyzed Gallup surveys of 450,000 Americans suggested that day-to-day contentment improves until income hits around $75,000 per annum.  After that, more money just brings more stuff, with far less gain in happiness.  Income beyond $75,000 does not do much for a person’s daily mood.

This is a pretty general study and regional differences in costs, inflation and life circumstances will create many fluctuations from this norm, but the point is when money is the main goal, the better you get, the harder it will be to gain satisfaction.

Giving, on the other hand, never has limitations, especially when the giving helps complete a purpose that is part of our destiny.

This is true in business and investing.  A study of investors for example found that investors with socially responsible ideals gained the best returns.  A dual goal of profit and achieving some social benefit provides a purpose beyond returns.  This brings comfort and determination to the investments and the added stick-to-it-ness helps increase profits.

The study helped define three aspects of investing that are generally ignored, purpose and habits.

Purpose.  Purpose requires some soul-searching questions about what we each want our life to be.  This purpose is more important than the investment goal.  The purpose of the money we have becomes more important than the amount in the portfolio.

Habits.  Habits come next because we need to create habits and routines that keep us on the path of our unique purpose.  The marketplace does all it can to distract us from our goals.  There is an endless stream of news, rumor, conjecture, facts figures, ideas and tactics generated by every part of every stock market aimed at getting us to act in ways that benefit the agenda of others.

Good habits help us avoid being distracted from what we are meant and want to do.  Good habits muffle the noise of Madison Avenue, the spin from Washington DC and the hidden agendas of big business.  These are among the most powerful ways to increase wealth.  Having greater fulfillment as well as more wealth is a bonus that Pruppies call “Everlasting Wealth”.

#3: Integrate your earning and investing. 

Long term success in business and investing are determined by control and comfort.

Comfort comes from feeling in control, but since there is always something we do not know, real comfort comes from knowing that we are serving a valuable purpose, the best we can, regardless of how events unfold.

Real comfort helps maintain determination, dedication and enthusiasm, all among the most vital parts in the process of succeeding in investing and business.

Our own business increases comfort because a business is simply an investment that gives us more control due to the addition of our own time and energy. 

A Personal Income Earning Corridor (PIEC) begin with a main income generator that we control.  For some this is a job with a salary.  For others it is a pension. For many it is their own business using the concepts of SNAP (Small Niche Area Publishing).

Here’s why self publishing offers such great potential.

Sam Walton… or is it Warren Buffet?  Self publishing is based on three cherished beliefs that two of the wealthiest people in the world, Sam Walton and Warren Buffet, shared.

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

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

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

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

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

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

Cherished Belief #2:  Community Orientation.

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

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

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

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

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

From this vision WalMart remains committed not just to expanding the businesses but to improving the communities.

You can enjoy all these benefits through Self publishingbecause small communities can be places, ideas or ideas within places.

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

Cherished Belief #3:  Seek Good Value.

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

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

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

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

We have never seen this need for a sense of community as we do know because community creates trust.  As the world has expanded on big is better, the public has lost trust.  We no longer trust big business, big government, big hospitals, big banks, etc.  Yet publications offer nothing if they do not have the reader’s trust.  Internet publishing on the big scale has reduced trust.  Anyone can say anything on the internet and thus internet information is highly suspect.  Publishers who use a small niche to create trust have an advantage.

To begin this introduction let me add one more point and outline the value of what I am about to offer.  A SNAP publication may eventually require $5,000, $10,000 or even $15,000 in start up costs but can make up to $11,835 a month… or more.  That’s value… plain and simple.

Join The International Club for all of 2018 NOW.  Learn how to wrote and publish.  Save $418.78.

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

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

Club members also learn ways to be be healthier and have more energy.   I have created three natural health reports about:

#1: Nutrition

#2: Purification

#3: Exercise

Recent news about Social Security, pensions and health care shows that the US government has excessive debt today and that we as individuals need tactics to make sure, when governments, pensions and insurers weasel out of their promises, that we can take care of ourselves.

One big broken promise is Social Security and Medicare.  The most recent Social Security trustee report shows that the programs will begin to spend more than they earn within just three or four years.   The Medicare hospital-insurance trust fund, could use all its reserves by 2028.  They face insolvency over the next 20 years because Social Security runs totally out of money by 2034.

My three natural health reports help learn ways to be happier, healthier and avoid much of the Western disease management (aka healthcare) expense.

Each report is available for $19.95.  However you’ll receive all three FREE as club member and save $59.85.

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

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

Lessons from Pi are based on the creation and management of numerous Model Portfolios, called Pifolio.

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

There are no secrets about this portfolio except that these mathematicians ignore the stories from economic news (often created by someone with vested interests) and is based mainly on good math that reveals the truth through financial news.

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

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

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

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

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

The Pi subscription is normally $299 per annum but as a club member you receive Pi at no charge and save an additional $299.

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

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

This report sells for $29.95 but when you become an International Club member you’ll receive the report, “Three Currency Patterns For 50% Profits or More” FREE.

Plus get the $39.99 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 past 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 and has remained near this level, compared to a range of the 230s only two years ago.

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

I prepared a special report “Silver Dip 2019” updated in late 2018.   The report explained the exact conditions you need to make leveraged silver & gold speculations that can increase the returns in a safe portfolio by as much as eight times.  The purpose of the report is to share long term lessons about speculating in precious metals gained through 30 years of speculating and investing in gold and silver.

The price of silver may offer special value later in 2019, but the price of platinum is special now.   So I want to send you the report “Platinum Dip 2019”.

Save $418.78… when you become a club member.

Join the International Club and receive:

#1: The $299 “Live Well and Free Anywhere Program including SNAP”.  Free.

#2: The $299 Purposeful investing Course (Pi).   Free.

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

#4: The $39.99 report “Silver Dip 2019”.  Free

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

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

#7: Plus updates and other report I release in the year ahead.

These reports, courses and programs would cost $767.78 so the 2018 membership saves $418.78.

The International Club membership is $499. 

To encourage our first 100 members for 2018 to join quickly so we are currently accepting discounted membership at $349. 

Save $418.78.  Join the International Club for $349 and receive all the above online now, plus all reports, course updates and Pi lessons through the rest of 2018 and all of 2019 at no additional fee.

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

Gary