Tag Archive | "Stress"

Part 6 – Why Half of America Can’t Sleep at Night


Money is the biggest cause of stress in America today.

According to an American Psychological Association poll, despite the ongoing economic recovery, money worries continue to create too much stress.  Nearly three out of four adults reported feeling stressed about money at least some of the time. Financial worries served as a significant source of stress for 64 percent of adults in 2014, ranking higher than three other major sources of stress: work (60 percent), family responsibilities (47 percent), and health concerns (46 percent).

stress

Clear thinking is the root of all wealth. Image from dreamsline.com

The association found that Americans are too stressed for good health and the problem is compounded because stress  interferes with clear thinking.  Poor decisions, eroding memory and cognitive difficulties reduce the odds of making good financial and life decisions.

Why does stress damage?

According to the Sciencedaily.com article “How stress influences disease” (1), stress leads to inflammation and there is a clear link between stress, reduced decision making and clarity of thought.

Stress wreaks havoc on the mind and body. Until now, it has not been clear exactly how stress influences disease and health. Now researchers have found that chronic psychological stress is associated with the body losing its ability to regulate the inflammatory response. The research shows for the first time that the effects of psychological stress on the body’s ability to regulate inflammation can promote the development and progression of disease.

Inflammation, in turn is a pivotal player in such diverse brain conditions as Alzheimer’s disease, multiple sclerosis, Parkinson’s disease and even autism.

This problem grew worse in 2014 because of inflation.

When money became worth less at the grocery store there was an increase in American stress.

Americans noticed that they were paying more for almost everything.  They started to cut back even though the economy was rising.  The economic growth was helping top earners but not the middle class and poor.

They changed their spending habits, tried to do more local errands in one day so they could cut down on trips.  They tried to consolidate things as higher costs for food and gas hit their budgets.

Americans began to sacrificed things, like not doing an ice cream runs during the week with the kids.

At the grocery store, meat, dairy and fruit prices were all up substantially. People are even paying more for lattes at their local coffee shops.

This created more stress.

“Money is a very important component of establishing a secure life,” said Norman Anderson, CEO and executive vice president of the American Psychological Association. “When people are financially challenged, it makes sense that their stress level would go up.”

Inflation is raising its ugly head again so fight fire with fire. 

Watch for Inflation.  Monitor the US dollar index.  Spot good value investments that are worth more due to an overly strong US dollar.

Rare, long term economic cycles can help us see distortions and future trends such as the over bought US dollar.

The chart below from the September 29, 2018 New York Times article, “The Mini-Recession That Many Missed” (2) shows how the 2014 inflation caused the US dollar to rise in 2015.

nyt.com

The article explained: There was a sharp slowdown in business investment, caused by an interrelated weakening in emerging markets, a drop in the price of oil and other commodities, and a run-up in the value of the dollar.

The Federal Reserve, seeing the United States economy looking healthy, started ending its era of ultra-easy monetary policy.

As the Fed moved toward tighter money, its counterparts at the European Central Bank and the Bank of Japan were going in the opposite direction. The prospect of higher interest rates in the United States and lower rates in the eurozone and Japan fueled a steep rise in the value of the dollar on global currency markets.

We can see the 2014 rise in the US dollar in this chart of a US dollar. Index Futures ETF.

yahoo.com

The U.S. Dollar Index (USDX, DXY, DX) shows the US dollar relative to this basket of foreign currencies:red to other currencies.

Euro (EUR), 57.6% weight
Japanese yen (JPY) 13.6% weight
Pound sterling (GBP), 11.9% weight
Canadian dollar (CAD), 9.1% weight
Swedish krona (SEK), 4.2% weight
Swiss franc (CHF) 3.6% weight

Since then, when the greenback gained strength in 2015, the index has been hovering around 100.

The 100 mark is significant due to its rarity.  A look at a long term chart of the index shows it has only breached this barrier four times since 1967.

wiki

This suggests that its a better than normal time to use US dollars to buy shares in non dollar markets.

When the dollar index weakens… as it will, investors will flow out of US markets into markets abroad.  This creates double profit for non dollar share investors.  The inflow of investments pushes share prices up.  Higher non dollar currency parities make shares worth more in US dollars.

Invest in good value non dollar markets.  This is easy, because long term studies suggest that all top value equity markets right now, are non dollar stock markets.

Keppler Asset Management’s last market valuation shows that the Top Value Developed Markets are selling at less than half (1.50 vs 3.29) the book value of the US market.

keppler asset management

This may be a long term investment.  The US dollar has remained buoyant far longer than most traders have expected.  We have no way to know when forces will shift and non US markets will rise faster than US markets nor when the six index currencies will rise against the US dollar.

What we do know is history powerfully suggests that distortions of this strength do eventually adjust and when they do, the correction normally takes place quickly.

Here are the Top Value Markets and their Price to Book, PE Ratios and Average Dividend Yield.

keppler

Money worries cause stress.  Stress causes inflammation. Inflation reduces our ability to think right and intelligently invest.  Beat back this biggest cause of stress with good value investing.

Gary

Borrow Low – Deposit High

Turn $250 into $51,888… in Four Years or Less.   If someone offers you a deal like this, I would normally say “Run as fast as you can!”

Yet in 1986. This is exactly what I wrote in a report, The Silver Dip”  that told how to borrow British pounds to buy silver.  I must admit it. I was wrong. Readers who followed the report made nearly that amount ($46,299 to be exact) in only one year!

I have been updating this report since.  The last update showed how to get 2% loans that turned $39.95 into $28,185 profit.

Now is the time to borrow low and earn high again because… an amazing investing trend is taking place.

Most investors will miss it.   You do not have to lose out.

Let’s take a look why.

I have been helping readers use a little known, easy loan investing technique for over 30 years.   Almost any investor can get the loans.

The $39.95 is for a report that explains how to borrow $10,000… no loan application required.   You’ll  get the lowest interest rates in town according a Barron’s online review.

Right now the loan interest rates are between 1.41% to 2.66%.

Here is what happened the first time I issued this report over three decades ago.

The year was 1986.  The price of silver had crashed, I mean really crashed from $48 per ounce down to $4.85 in May 1986.  

Everyone was afraid of investing in silver.

But I had been investing and writing and speaking about global investments since 1968.   When I issued the Silver Dip in 1985 I  had nearly 20 years of experience, so knew that when fear rules a market, the chance of profits are high.

As prices decreased from early 1983 into 1986, total supply of silver had fallen to 449.7 million ounces.  Mine production was restricted by the low prices at that time.  Secondary recovery of silver was constricted by low prices as well.

Then a “special silver pricing position” fell into place.

I showed readers how to borrow 10,000 British pounds at cheap interest rates, to invest in silver.   A British pound at that time was worth $1.86 so the loan was sufficient to buy 3,835 ounces of silver at $4.85 per ounce.

Silver’s price skyrocketed to over $11 an ounce within a year.  By 1987 the 3,835 ounces of silver was worth $42,185.

The profit did not stop there!

The loan was in British pounds.  By May 1987 the pound had dropped from $1.86 per pound to only $1.40 per pound.  The 10,000 pound loan that had been worth $18,600 in 1986 only required $14,000 to pay it off in 1987.

The falling pound had created an extra $4,600 profit.

Do the math: 

Silver worth $42,185

Loan payoff  $14,000

Profit             $28,185

Cash Required  Zero

All of this profit was made on the 10,000 pound loan.  No extra cash was required on the investor’s part.

The $28,185 was pure… extra profit.

Let me add that some investors had borrowed even more.  Some less.  The report showed a loan to risk formula that investors could follow.

That was in the 1980s.  Silver’s special pricing position” does not happen often (this is why most investors miss it).

Nearly 30 years passed before the “silver’s special pricing position” fell into place again.

Conditions for the silver dip returned 30 years later in 2015.  The availability of low cost loans and silver’s price were perfect.

With investors watching global stock markets bounce up and down, most missed this important profit generating event. 

My readers did not.

I had been watching the entire 30 years for “silver’s special pricing position” to return.

I had been watching currency shifts and interest rates distortions so I knew the best currency to borrow.

From 2011 to 2015 the price of silver had once again crashed from $48.35 to below $14 an ounce.

The “special silver pricing position” reappeared.

I dusted off the “Silver Dip” and updated it to the “Silver Dip 2015”.

I prepared a “Silver Dip 2015” report and shared it immediately.  

The report paid off again.

From July 2015 to July 2016, the price of the silver ETF  iShares Silver Trust (Symbol SLV) rose from $13.92 and ounce to $18.71.  You can see the rise in the finance.yahoo.com chart below.

yahoo

A 10,000 pound loan (the pound was $1.52 per pound) purchased 1091 shares of the silver ETF SLV.   Those Shares rose to be worth $20,421 by 2016, a 34.34% additional profit.

The profit did not stop there!

The loan again was in British pounds.  From 2015 the pound dropped from $1.52 dollars per pound to only $1.39 dollars.  The 10,000 pound loan that had worth $15,200 in 2015 only required $13,900 to pay it off in 2016.

yahoo pound chart

The falling pound had created an extra $1,300 profit.

Do the math: 

Silver worth $20,421

Loan payoff  $13,900

Profit             $6,521

Cash Required  Zero

All of this profit was made on the 10,000 pound loan.  No extra cash was required.

Again this was pure… extra profit.

Some investors borrowed less… others borrowed much more so their profits were even higher.

All the extra earnings were derived from a low cost, easy to obtain loan that almost any investor can have.

I would like to help you learn how to tap into this type of profit that most investors will miss… in my newest report “The Silver Dip 2019”.

First let me answer a really important question…  that if you have not asked, you should.

Isn’t there some risk?

Yes.  There is always risk when you invest.

The first golden rule of investing outlined in the Silver Dip 2019 report is…”there is always something we do not know”.

The numbers above are what have happened.   We never know for sure what will happen.

2015 was similar to 1986.  Investors were afraid of silver.  Courage was required and this is exactly why dip investments work so well.

When most investors are afraid of a precious metal, extra good value is created!

Plus there is a way to dramatically increase the odds that your investment will be safe and that you’ll reap the type of high rewards I have described above.

The formula for increasing safety and improving the odds for profit are included in the new report, “Silver Dip 2019”.

The benefit of 50 years experience.

With so many years of experience in watching markets, metals, bonds, interest rates and currencies, I have learned many special pricing situations to watch for.

These special opportunities do not appear every day.  That’s why they are special.

Unless you have seen them come and go, it’s hard to see them coming again.

That is why I was willing to wait for years for silver to be in a special pricing position.

Our courses and reports are about finding good value and they have been helping astute readers find value investments, again and again for 50 years.

The “Silver Dip 2019” report shows a new, even bigger opportunity.  I continuously watch for aberrations in currency and precious metal markets.   Sometimes a rare quirk, such as we saw with the pound loans and the Silver Dip offer potential for profit, with very little risk of long term loss.

Investors who speculate on platinum at the correct time can make fortunes.

The time is now.

Success is almost guaranteed.  In fact an 89 year study showed a 99% change of success when sequence distortions are worked in a certain way.

We are stalking precious metal opportunity now.

The trap is set. We are waiting…

This opportunity is explained in the report “Silver Dip 2019”.

You can order the Silver Dip 2019 here for $39.95

Here is why there is no risk for you.  The report is 100% guaranteed.

I do not sell book, reports and courses.  I offer benefits.  If  the Silver Dip 2019 does not bring you the benefits you expect, just let me know within 60 days and I’ll send you a quick, no questions asked, full refund.

I can’t promise that silver’s price will rise in the next 60 days.  I can guarantee you’ll be fully satisfied with the report or… you can have your money back in full.

You can order the Silver Dip 2019 here for $39.95

Gary

 

(1) www.sciencedaily.com/releases/2012/04/120402162546.htm

(2) www.nytimes.com: Mini recession 2016

Part 5 – Why Half of America Can’t Sleep at Night


Stress can ruin our brain, reduce our thinking and eliminate clear thought.

According to recent research, stress can lead to Alzheimer’s disease, by triggering a degenerative process in your brain and precipitating disruption of your neuroendocrine and immune system.

Huh.

I guess we had better look for a clearer explanation.

stress

An article at Mercola.com (1) shows a relationship between Alzheimer’s Disease and stress.

The article says: researchers found that nearly three out of four Alzheimer’s patients had experienced severe emotional stress during the two years preceding their diagnosis, compared to just over one in four in the control group.

Alzheimer’s disease currently afflicts about 5.4 million Americans, including one in eight people aged 65 and over.

Research suggests that the best hope is in prevention focusing on diet, exercise and staying mentally active.

We should look for ways to reduce stress in every part of our life.

For example we should all have low stress ways to invest.

My low stress system is based on 50 years of global stock market experience matched up with several of Warren Buffet’s quotes.

The first quote is “Only buy something that you’d be perfectly happy to hold if the market shut down for 10 years.”

Our strategy is very long term, but recognizes that Merri and I are well into our 70s.   We focus on balancing our income, bonds, stock investments and shares so we never have to sell shares for liquidity.  This protects us from having to bail out of equities when stock prices are down.

Our system is set so we don’t have to watch the market on a daily, even weekly basis.

There are too many other things to do in the years we have left. 

We buy good value and hold it.

As Buffett says:  “Price is what you pay. Value is what you get.”

“What investors need is an ability to both disregard mob fears or enthusiasms and to focus on a few simple fundamentals.  A willingness to look unimaginative for a sustained period – or even to look foolish – is also essential.”

Our system is really simple, based on value and for much of the time our system also matches up with advice from Buffet’s original value mentor, Benjamin Graham who said:

Investing is buying stocks for less than they are fundamentally worth. This makes sure that you don’t overpay. On the other hand, speculation is trying to predict the timing and nature of uncertain future events. If you are trading frequently, and thinking about dramatic future events rather than the steady plod of past outcomes, then you are probably a speculator.

The problem with speculation is that is it very hard to do because it requires forecasting.

Graham concluded that it is “absurd” for the investor to think he or she will be a successful market forecaster.   After decades of stock investing, I came to the same conclusion.  It was absurd for me to think I could predict the future.

Markets are continually adapting.   History will never exactly repeat itself.  This makes market forecasting  so unlikely to work for most people.   That’s the realization that led me to create an easy way to find value using math and current stock market pricing fundamentals.

Margin of Safety

The idea of a margin of safety is to have a “Cushion to tide you through adversity.” Any company or stock market can hit hard times.  A margin of safety provides an ability to weather a storm without necessarily losing money. The discount an investor gains on purchase is the cushion that makes it harder to lose money.

A margin of safety combined with diversification removes the need for any single investment to be good all the time.  When invested in a number of companies, all with reasonable margins of safety, the end result is likely to be positive.  No single poor investment throws an entire portfolio off track.   There is a better chance that there’s always a good investment available to sell if liquidity is required.

In a way my entire system is a modification of Warren Buffet’s simple advice to the trustee for his wife: “Put 10 percent of the cash in short-term government bonds and 90 percent in very low-cost S&P 500 index fund.”

My system keeps enough liquidity (short term bonds) to handle any immediate short and medium liquidity needs.  The rest goes into real estate and stocks.

The modifications are:

  • We apply value to stock markets instead of stocks.
  • We look at 43 stock markets globally instead of just the US market.
  • We diversify into indexes of good value stock markets instead of good value shares.

This is a low stress system that offers incredible safety and exceptional opportunity without high management fees, excess time spent following markets, or trading costs often associated with stock investing.

We offer a course (The Purposeful Investing Course) on how to create this system.

The system is really easy to use, but hard for me to market because this type of low stress investing is boring!

Most investors want exciting things.  They want activity, promises of fat and fat profits, without risk.  They want an adrenaline rush.

That’s okay, I’ll stick to my guns and keep repeating this fact…  “stress kills.

Boring is good.  If your investments are exciting, you are doing something wrong.

The only real speculation I do is to determine the portfolio’s ratio of top value developed markets versus top value emerging markets.

The United States stock market represents about a third of the world’s market capitalization.  Emerging Markets represent about a quarter.  Investors who hold a world portfolio weighted by market capitalization, have about a fourth of the portfolio in emerging market equities.

I speculate just a bot because an abundance of economic research suggests that a mix of 70% stable and 30% high risk investments usually gives the best risk reward ratio.

I keep between 20% and 30% of my portfolio in emerging markets, but do not finely tune this balance at all.

We use the analysis of Keppler Asset Management to select an equally weighted combination of attractively valued emerging markets that offer the highest expectation of long-term risk-adjusted performance.  This combination makes up 20% to 30% of my portfolio.

The table below shows Keppler’s latest quarterly analysis of the Emerging Markets Top Value Model Portfolio and compares it to the MSCI Emerging Markets Index and to the MSCI World Index as of the end of September 2018, based on selected assets and earnings valuation measures:

keppler

I use this analysis to compare it with Keppler’s Top Value Developed Markets.  Currently the Price to book of developed markets is almost as good as Top Value Developed Markets.  The developed market dividend yield is better than emerging markets and only the emerging P/E ratio is significantly better.

keppler

The emerging markets do not look that much better (in value) than developed markets, so if a buy or sell event appears at this time, I would tend to shift my portfolio weighting down towards 20% emerging markets.

I only do a regular assessment once every three months.   Otherwise , unless there is some significant change in the world, I leave the portfolio alone.  No stress!

Overall, the odds are that my portfolio will outperform the S&P 500 in the years ahead.

The math supports me and it’s a really simple, low stress deal!

At times the portfolio outperforms the S&P 500.  At other times, like now, not.  Here is the performance of my portfolio held at online broker Motif.

motif

At times like this when the US dollar and the S&P 500 are near all time high points, I remember that tidbit of Buffett advice, “Having a willingness to look unimaginative for a sustained period – or even to look foolish – is essential.”

I  look at this time of US dollar strength as a non dollar buying opportunity as I also recall some more of Buffet’s advice:

Look at market fluctuations as your friend rather than your enemy; profit from folly rather than participate in it. We simply attempt to be fearful when others are greedy and to be greedy only when others are fearful.

Our portfolio is simple, low cost, well diversified, and statistically offers the highest change of optimal return in the long run and  perhaps most important of all… is pretty darn free of excitement and stress.

Stress kills.  Stress can eliminate clear thought and cloud our investment thinking.  Stress can make us poor and reduce our quality of life as it destroys our health and well being.

Whether you use the low stress system of investing I have created or not… I urge you to find some low stress way of dealing with your finances.

Look for ways to reduce stress in every aspect of your life.  Your brain will thank you by working better for you longer in your life.

Gary

The Only 3 Reasons to Invest

garyheadshot

The stock market has always been the best place of places to protect and increase wealth over the long haul.   Yet it’s also been the worst place to lose money, a lot of it, quickly.

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

The goal of investing should be to stabilize our security, bring feelings of comfort and elimination of stress!

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

This is why my core stock portfolio consists of 19 shares and this position has hardly changed in three years.  During this time we have been steadily accumulating the same 19 shares and have traded only three times.

motif

This portfolio is built around a strategy that’s taught in my Purposeful Investing Course (Pi).  I call these shares my Pifolio.

This portfolio more or less matched the S&P 500 until May 2018.  Then a stronger US dollar made the portfolio look like it was falling behind.   This currency illusion creates a special opportunity we’ll view in a moment.

This portfolio above is based on stock price to value analysis built around 91 years of stock market data.

The value analysis is used to create a portfolio of MSCI Country Benchmark Index ETFs that cover  stock markets that are undervalued.  I have combined my 50 years of investing experience with the study of the mathematical market value analysis of Michael Keppler, CEO of Keppler Asset Management.

In my opinion, Keppler is one of the best market statisticians in the world.  Numerous very large fund managers use his analysis to manage over $2.5 billion of funds.  However because Keppler’s roots are in Germany (though he lives and operates from New York) and most of his funds registered for the European Union, Americans cannot normally access his data.

I was lucky to have crossed paths with Michael about 25 years ago, so I am one of the few Americans who receive this data and you will not find his information readily available in the US.

In a moment you’ll see how to remedy this fact.

The Pifolio analysis begins with Keppler’s research that continually monitors 46 stock markets and compares their value based on current book to price, cash flow to price, earnings to price, average dividend yield, return on equity and cash flow return.  Then Keppler takes market’s history into account.

Fwd: keppler

Michael Kepler CEO Keppler Asset Management.

Michael’s analysis is rational, mathematical and does not cause worry about short term ups and downs.  Keppler’s strategy is to diversify into an equally weighted portfolio of the MSCI Indices of each good value (BUY) market.

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

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

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

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

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

Here is the Pifolio I personally held at the beginning of 2019.

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

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

iShares Country ETFs make it easy to invest in each of the MSCI indicies of the good value BUY markets.

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

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

There is an iShares country ETF for every market.

How you can create your own good value strategy.

I would like to send you, on a no risk basis, a 130 page basic training course that teaches the good value strategy I use.   I call this strategy Purposeful Investing (PI).  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 get this course when you enroll in our Purposeful Investing program (Pi) with a triple guarantee.

Triple Guarantee

Enroll in Pi.  Get the 130 page basic training, a 46 stock market value report, access to all the updates I have sent in the past three years, two more reports on investing (described below) and an online Value Investing Seminar right away. 

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

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

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

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

You also receive two special reports.

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

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

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

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

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

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

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

Plus get the $39.95 report “The Silver Dip 2019” free.

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

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

I have updated this report and added how to use the Silver Dip Strategy with platinum.   The “Silver Dip 2019” report shares the latest in a series of long term lessons gained through 40 years of speculating and investing in precious metals.  I released the 2015 report, when the gold silver ratio slipped to 80.  The ratio has corrected and that profit has been taken and now a new precious metals dip has emerged.

I have prepared a new special report “Silver Dip 2019” about a leveraged speculation that can increase the returns in a safe portfolio by as much as eight times.

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

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

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

seminars

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

This year I celebrated my 51st anniversary of writing about global investing.  Our reports and seminars have helped readers have better lives, with less stress yet make fortunes during up and down markets for decades.  This information is invaluable to investors large and small because even small amounts can easily be invested in the good value shares we cover in our seminar.

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

stock-Charts

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

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

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

Details in the online seminar include:

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

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

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

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

Use time not timing.

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

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

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

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

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

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

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

Save $468.90 If You Act Now

Subscribe to the first year of The Personal investing Course (Pi).  The annual fee is $299, but to introduce you to this online, course that is based on real time investing, I am knocking $102 off the subscription.  Plus you receive FREE the $29.95 report “Three Currency Patterns for 50% Profits or More”, the $39.95 report “Silver Dip 2019” and our latest $297 online seminar for a total savings of $468.90.

ecuador-seminar

Triple Guarantee

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

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

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

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

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

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

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

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

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

Gary

(1) articles.mercola.com: Stress & alzheimers

Two Pandemics at Once – The Perfect Storm


Prolonged stress may be the number one root of disease that kills.

Before the COVID-19 pandemic began sweeping the world, stress related diseases were already at pandemic levels.   Stress-related diseases, and lifestyle diseases that have stricken most of the world were already abnormal by historical standards and certainly a leading killer.

Now the novel coronavirus has added additional… extreme stress and a second killer, making the perfect killing storm.

Why is stress do dangerous?

stress

Image from the quotesgram.com (1) quote on stress kills.

We face so many demands every day.  The news floods us with negativity.   No wonder we feel stress.  This constant stress can cause us to get sick and incur serious health imbalances.

Now we have the worry of catching COVID-19, not to mention concern for our family and friends, the economic, social misgivings and anguish over those close to us we will lose.

The American Medical Association has stated that stress is the root of  more than 60% of all human illnesses and diseases.

Stress has become so common that its effects are often ignored, but stress can lead to losing focus, sleep problems, headaches, muscle tension and digestive disorders.  Prolonged stress can create heart disease, eczema, depression, obesity, accelerated aging and even bring on premature death.

Stress shortens telomeres and accelerates signs of aging: wrinkles, weak muscles, poor eyesight, and more.

Stress damages increases your blood pressure and weakness the immune system.

Stress makes it difficult to control emotions so we make poor life decisions.

One way to deal with stress is with music.

stress

Image from the youtube “Wish Fulfilling Music” (2)

An article by Medical News Today (3) provides a fulfilling way to reduce stress.

Good nutrition, positive exercise, and keeping an active mind are the best known combatants against stress.

A report published by the University of Nevada “Releasing Stress Through the Power of Music” shows how certain types of music can make these three stress killers more powerful.

The article says: Music can have a profound effect on both the emotions and the body. Faster music can make you feel more alert and concentrate better. Upbeat music can make you feel more optimistic and positive about life. A slower tempo can quiet your mind and relax your muscles, making you feel soothed while releasing the stress of the day. Music is effective for relaxation and stress management.

Research confirms these personal experiences with music. Current findings indicate that music around 60 beats per minute can cause the brain to synchronize with the beat causing alpha brainwaves (frequencies from 8 – 14 hertz or cycles per second). This alpha brainwave is what is present when we are relaxed and conscious. To induce sleep (a delta brainwave of 5 hertz), a person may need to devote at least 45 minutes, in a relaxed position, listening to calming music. Researchers at Stanford University (press release 2006) have said that “listening to music seems to be able to change brain functioning to the same extent as medication.” They noted that music is something that almost anybody can access and makes it an easy stress reduction tool.

Music gives our brain the power to control the choosing!

This is one reason we use specific Baroque music in our Super Spanish course.

Take a stress break and learn something using Baroque music.

An article at askabiologist.edu “Stress: Wear and Tear on the Body” (4) helps explains why certain types of Baroque music can reduce stress.

The article says that when you are stressed, your body responds by releasing hormones such as cortisol.

Modern life is filled with the sort of situations that make people feel stressed out. When we feel something important to us, like a test grade is being threatened, our body reacts with a stress response.

A stress response is your body’s way of preparing itself so that you can work hard and fix the problem that is causing you stress. Your nervous system releases hormones into your bloodstream to tell the body how to react. One of these hormones is cortisol.

Then the article explains how if your body is constantly preparing to run, fight, or otherwise react to stress, it can wear you out and put you at higher risk for getting sick.

This graph  below from this article shows the levels of alpha amylase of subjects put in stressful situations TTST.  Listening to relaxing music (RM; triangles), rippling water (SW; squares ), or nothing (R; circles;).

baroque music

All the groups showed an increase in their amylase levels, with the stressful event.  The group that listened to relaxing music (RM) had the quickest return to normal alpha-amylase levels after the stress. This suggests that relaxing music helped subjects to return to a level of non-stress better than the natural or no-music groups.

Music: A Source of Relaxation?

Scientists know that the body responds to stress by releasing cortisol, and so they used it as a way to measure stress. Scientists compared cortisol levels after listening to music and at various times after doing stress tests. The scientists also measured an enzyme called alpha-amylase that is found in saliva. Alpha-amylase is important to your body as it kills unwanted bacteria and it helps break down the food that you eat. Alpha-amylase is also released by the nervous system in response to stress.

Nature’s Music

Scientists have tested how classical music and natural sounds affect levels of cortisol and alpha-amylase.The alpha-amylase levels of people who listened to classical music went back to normal more quickly compared to the people listening to nature sounds. This suggests that relaxing music helps the body to return to a non-stressed state more quickly.

The people listening to relaxing music showed a stress response that was shorter compared to the other groups. The shorter response helps to prevent the body from getting worn out. This means that listening to relaxing music can help to improve the stress response and health.

Certain Baroque music, creates “Relaxed Concentration” the state one wants to attain for study and action.

60 beat classical music… recommended by Dr.Georgi Lozanov, the great Bulgarian educator,  creates this relaxed state that healthy and good for learning.

Music can create positive moods.   There is power in music that can  trigger positive emotional moods.

Poets say it.  Robert Browning wrote:  “Who hears music, feels his solitude. Peopled at once.”

Scientists say it.  An NPR article, ‘The Power Of Music’ To Affect The Brain (5) says:  “Science all but confirms that humans are hard-wired to respond to music.  Studies also suggest that someday music may even help patients heal from Parkinson’s disease or a stroke.   In The Power of Music, Elena Mannes explores how music affects different groups of people and how it could play a role in health care.

Here is a simple tip on how you can use music as a positive emotional trigger and learning aid.   Just turn on 60 beat Baroque music and let it play in the background when you study.

Life of course is never quite as simple as just turning on the music.  Researchers doing tests found that the healing may be specific to music created by a few composers.  Music by Mozart works.  Music composed by Beethoven, Schubert, Hayden, and Brahms doesn’t work.  Music can be used in learning and as medicine, to make us smarter and stronger, but the key is knowing which music to use  for each benefit.

Gary

learnspanish

Learn Spanish in Three Days ONLINE

Instant $110 discount on the course!

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

Read below to see why we are offering our Super Spanish course online for the first time.

Speaking Spanish is a huge benefit on its own.  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 Spanish at all.

You can tap into all this potential 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: “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.

Though you may choose to take more time using this course to learn Spanish, thousands of our readers have learned 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!

This method was created and refined by the Bulgarian educational master, Georgi Lozanov, who transformed the entire Soviet educational system to such a degree that this third world country beat the USA into space.

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 70s.  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 delegates 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 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 Scott was among just a few who learned directly from Lozanov.

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 .  

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.  Normally $149, this is available at the highly reduced price of $79. Simply use coupon code SPANISH110 at checkout.

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 – using coupon code SPANISH110 at checkout to immediately save $110 off the regular price of $149

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 – using coupon code SPANISH110 at checkout to immediately save $110 off the regular price of $149

Gary

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 Spanish online $79 – using coupon code SPANISH110 at checkout to immediately save $110 off the regular price of $149

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

(1)  Quotesgram.com: Stress Kilss

(2) Wish Fulfilling Music

(3) www.unr.edu: Releasing stress through the power of music

(4)  askabiologist.asu.edu: Does playing music reduce stress

(5) www.npr.org: The power of music to affect the brain

 

Part 4 – Why Half of America Can’t Sleep at Night


Take this thought to heart…  “Stress kills the heart.  Money protects it.

Heart disease is the largest cause of death for people living in the USA, UK and most of the Western world.

Risk factors for heart disease include age, sex, diet, smoking, high blood pressure and cholesterol. They especially include how much you earn and what type of education you had.

Look at the graph. It shows the incidence of heart disease in different members of the population depending on how much money they earn.

stress

Graph relating money to heart disease from BBC website (1).

There are plenty of reason why we feel stressed in this busy modern world.

High-pressure workdays, long commutes, raising kids, keeping the family going in retirement, lack of sleep or exercise, trying to make ends meet.

Accumulated stresses of daily living can damage health in irreversible ways including heart disease.

Some people believe stress makes them perform better. But that’s rarely true.

Stress can also make you look older!

Researchers at the University of California, San Francisco, discovered that stress shortens telomeres — structures in  chromosomes that activate cell growth.  Shortened telomeres create inevitable signs of aging: wrinkles, weak muscles, poor eyesight, stresses heart muscle and weakness the immune system.

Stress damages your heart because stress hormones increase the heart rate, raise blood pressure and constrict blood vessels.

The heart has to work harder in a negative way.

Stress also makes it difficult to control your emotions and think clearly.    

Research consistently shows the opposite — that stress usually causes a person to make more mistakes.

New research reveals just how little stress is actually required for you to lose your cool. “The results of this research show that even mild stress, such as that encountered in daily life, can impair the ability to use cognitive techniques known to control fear and anxiety.

Here’s the downwards self reinforcing loop!  Loss of money creates stress.  Stress makes it more likely that we will lose money.

You can reduce the stress of stock market investing by diversifying in value stocks around the world.

Growth stocks are stocks that are anticipated to grow at a rate significantly above the market. Value stocks trade at a lower price relative to their fundamentals than growth stocks. These tend to be more mature companies that have been trading for a long time.  Value stocks have lower volatility and often pay higher dividends.

Part three of this report looked at how shares in top value developed stock markets are selling, on average price-to-book value, at a 58% discount to shares in the US market.   Those top value markets have a 40% price earnings ration and their average dividend yield is almost double that of the US market.

Our Top Value Model Portfolio now holds the ten “Buy”-rated markets Australia, Austria, Germany, Hong Kong, Italy, Japan, Norway, Singapore, Spain and the United Kingdom at equal weights.

According to the analyses of Keppler Asset Management, an equally weighted combination of these markets offers the highest expectation of long-term risk-adjusted performance.

Here are the numbers that show why shares in these ten markets make sense.  You can compare the average price-to-book, P/E ratio and average dividend yield to the poor value markets such as the USA.

keppler

Stress kills.  Money reduces stress if the process of making it does not create too much stress.

Loss of money creates stress and stress makes it more likely that we will lose money.  Improve your health and wealth by investing in low stress ways.

Gary

Investing Beyond the Boom

Warren Buffet once warned against the Cinderella effect.

He said “Don’t be fooled by that Cinderella feeling you get from great returns.  Nothing sedates rationality like large doses of effortless money.  After a heady experience of that kind, normally sensible people drift into behavior akin to that of Cinderella at the ball.  They know the party must end but nevertheless hate to miss a single minute of what is one helluva party.  Therefore, the giddy participants all plan to leave just seconds before midnight. There’s a problem, though: They are dancing in a room in which the clocks have no hands.”

Cinderella may have lost a shoe when she fled the party to meet a midnight curfew.  We can lose much more when we rush from a crashing stock market.

Most investors face emotional dangers that build in rising markets.

Almost everyone feels good.

But the clock of economic reckoning is ticking.

No wants to see it.  Nothing rises forever and especially… not everything at the same time.

Yet no one wants to leave the party until the end.

But many edge closer to the door.

When the clock chimes there could be a stampede even though leaving in a hurry may be the worst way to go.

Here are seven steps that can help avoid this risk.

  • Choose investments based on markets instead of shares.
  • Diversify based on value.
  • Rely on financial information rather than economic news.
  • Keep investing simple.
  • Keep investing costs low.
  • Trade as little as possible.
  • Make the decision process during panics automatic.

One strategy is to invest in country ETFs that easily provide diversified, risk-controlled investments in countries with stock markets of good value.  These ETFs provide an easy, simple and effective approach to zeroing in on value.  Little management and less guesswork is required.  The expense ratios for most ETFs are lower than those of the average mutual funds.  Plus a single country ETF provides diversification equal to investing in dozens, even hundreds of shares.

A minimum of knowledge, time, management or guesswork are required.

The importance of…

easy…

transparent…

and inexpensive. 

Keeping investing simple is one of the most valuable, but least looked at, ways to avoid disaster.  Simple and easy investing saves time.  How much is your time worth?  Simple investing costs less and avoids fast decisions during stressful times in complex situations where we are most likely to get it wrong.

Fear, regret and greed are an investor’s chief problem.  Human nature causes  investors to sell winners too soon, and hold losers too long.

Easy to use, low cost, mathematically based habits and routines help protect against negative emotions and impulse investing.

Take control of your investing.  Make decisions based on data and discipline, not gut feelings.  The Purposeful investing Course (Pi) teaches math based, low cost ways to diversify in good value markets and in ETFs  that cover these markets.  This course is based on my 50 years of investing experience combined with wisdom gained from some of the world’s best investment managers and economic mathematical scientists.

Enjoy Repeated Wealth With Pi

Pi’s mission is to make it easy for anyone to have a strategy and tactics that continually maintain safety and turn market turmoil into extra profit.

One secret is to invest with a purpose beyond the immediate returns.  This helps create faith in a strategy that adds stickiness to the plan.

Another tactic is to invest with enough staying power so you’re never caught short.

Never have to sell depressed assets during periods of loss.

Lessons from Pi are based on the creation and management of Model Portfolios, called Pifolios.

The success of Pifolios is based on ignoring economic news (often created by someone with vested interests) and using financial math that reveals deeper economic truths.

One Pifolio covers all the good value developed markets.  Another covers the emerging good value markets.

The Pifolio analysis begins with a continual research of 46 major stock markets that compares their value based on:

#1:  Current book to price

#2:  Cash flow to price

#3:  Earnings to price

#4:  Average dividend yield

#5:  Return on equity

#6:  Cash flow return.

#7:  Market history

This is a complete and continual study of almost all the developed major and emerging stock markets.

This mathematical analysis forms the basis of a Good Value Stock Market Strategy.   The analysis is rational, mathematical and does not worry about short term ups and downs.

This strategy is easy for anyone to follow and use.  Pi reveals the best value markets and provides contacts to managers and analysts and Country Index ETFs so almost anyone can create and follow their own strategy.

Learn how to invest like a pro from the inside out.

At the beginning of 2019 my personal Pifolio is based on select ETFs in the Keppler Developed and Emerging markets.  My Pifolio is invested in Country ETFs that cover seven developed and three emerging markets:

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

Don’t give up profit to gain ease and safety!

Regardless of economic news, these markets represent good value and have been chosen based on four pillars of valuation.

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

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

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

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

You also receive two special reports.

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

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

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

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

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

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

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

Plus get the $39.95 report “The Silver Dip” 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” 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” 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 52nd anniversary of writing about global investing.  Our reports and seminars have helped readers have better lives, with less stress yet make fortunes during up and down markets for decades.  This information is invaluable to investors large and small because even small amounts can easily be invested in the good value shares we cover in our seminar.

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

stock-Charts

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

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

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

Details in the online seminar include:

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

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

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

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

Use time not timing.

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

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

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

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

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

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

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

Save $468.90 If You Act Now

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

 

 

 

 

 

(1) www.bbc.co.uk: science/heartdisease

 

 

Why Half of America Can’t Sleep at Night – Part 1


Stress kills.  Stress is the number one proxy killer in America…  maybe around the world.

Half of the American population cannot sleep at night because of stress.

Everyone has times when they find themselves knee deep in problems.  Our mind and body can’t react efficiently.  Our ability to function is hampered by feelings of being powerless.  We cannot sleep.

Let’s look at stress a bit more. Let’s see how to remove one of its leading causes, so we sleep better, feel more comfortable, are healthier and more financially secure.

stress

According to the American Psychological Association, the second most common reason for stress is worry about money.

The roller coaster nature of stock markets adds even more stress.  Human nature is not designed to do well with the stress of a stock market’s ups and downs.

dow chart

This historical chart of the Dow Jones average leaves little doubt that buying and holding shares long term is a great way to make money.  The roller coaster ups and downs show why most investors don’t sleep at night and why they make less than the average rise of the market.

Investing is a stressful activity.  The human brain is not equipped to handle short term loss because of the way we are adapted to deal with short-term physical threats.  Sudden emotional threats, like a drop in the price of shares we own, simply throw us for a loop.  Our instinct takes over when faced a physical threat, such as the loss of money.  The body boosts the heart rate to make sure we’re ready to move.

We sweat.

The problem is that this instinct (to do something now!) makes for lousy returns.  When we panic, we tend to sell.   When we sell during stock price setbacks, we’re selling at the worst possible time.

Our human instincts result in a well know phenomenon know as the Investor Gap.

This seven part report looks at how to increase profits, gain extra financial security and dramatically reduce stress so we do not suffer the Investor Gap.

This report looks at mathematical evidence provided by three experts on why value investments can increase your profits, especially right now.

The first expert is CEO of  ENR Asset Management Eric Roseman (1).  He recently sent our Purposeful Investing Course subscribers some sound advice about how to reduce stress through indexing, value investing and hedging.

Eric writes: Who says indexing is risk free? Who says the next bear market will be swift and see stocks recover quickly again? Where is it written that stocks have to rise after central bank intervention? There are no guarantees in the market.

Eric outlines the theory that traditional market-capitalization-weighted indexes, like the S&P 500 Index, load up on companies with the biggest recent price gains, leaving them vulnerable to asset bubbles.   This leaves this type of index at greater risk in bear markets.

Eric says (bolds are mine): There’s no doubt in my mind that indexing today, particularly those strategies embracing a ‘growth’ formula will be subjected to severe losses when this bull market ends. I also think U.S. stocks will fall the hardest, mainly technology and other fast-growing companies trading at astronomical values only because they’ve dominated this bull market. But value indexes are still cheap.

Overseas, value investing is really a bargain following a dismal year in 2018.

ENR chart

It’s no secret that value-based equities in the United States and overseas have lagged their growth cousins since 2009. It’s unusual for value to lag growth this long (see above chart).

Why has value so badly trailed growth in this cycle? Investors have embraced growth because of accelerated earnings and growing revenues in sectors of the market that continue to lead the charge in this bull market: technology.

Eric recommends one new ETF for the ENR Pifolio, the “iShares Edge MSCI International Value Factor ETF (Symbol IVLU)”.  This  ETF provides non-U.S. equity exposure to high-value large-cap and mid-cap stocks in Japan, the United Kingdom, France, Germany, Hong Kong, Spain and several other major market countries.

Eric added: What I really like about this ETF is the super-low multiples attached to stock holdings: IVLU holds 299 international stocks trading at 1.01x price-to-book value ratio, 10.26 times trailing earnings and a 3.04% trailing yield.

Just how attractive are these multiples? The MSCI EAFE Index (Europe, Australia and the Far East) sells at 1.65x price-to-book, 15.51 times trailing earnings but yields a bit more at 3.20%. But on key metrics like price-to-book, you get a 39% discount compared to EAFE, and compared to the benchmark’s P/E at 15.51 times trailing earnings, IVLU trades at 10.26 times or a 34% discount. That’s a big discount.

Growth stocks are stocks that are anticipated to grow at a rate significantly above the market.

They have trounced value stocks for the past decade, but growth stocks are the loss leaders in the market decline now.

Value stocks trade at a lower price relative to their fundamentals than growth stocks.  Value stocks tend to be more mature companies that have been trading for a long time with lower volatility and many value stocks pay higher dividends.

Growth stocks have especially outperformed value stocks over the past three years and a huge shift is currently taking place.  We’ll see why in Part two of this report.

The lesson is: starting shifting from growth to value stocks now!

Gary

Investing Beyond the Boom

Warren Buffet once warned against the Cinderella effect.

He said “Don’t be fooled by that Cinderella feeling you get from great returns.  Nothing sedates rationality like large doses of effortless money.  After a heady experience of that kind, normally sensible people drift into behavior akin to that of Cinderella at the ball.  They know the party must end but nevertheless hate to miss a single minute of what is one helluva party.  Therefore, the giddy participants all plan to leave just seconds before midnight. There’s a problem, though: They are dancing in a room in which the clocks have no hands.”

Cinderella may have lost a shoe when she fled the party to meet a midnight curfew.  We can lose much more when we rush from a crashing stock market.

Most investors face emotional dangers that build in rising markets.

Almost everyone feels good.

But the clock of economic reckoning is ticking.

No wants to see it.  Nothing rises forever and especially… not everything at the same time.

Yet no one wants to leave the party until the end.

But many edge closer to the door.

When the clock chimes there could be a stampede even though leaving in a hurry may be the worst way to go.

Here are seven steps that can help avoid this risk.

  • Choose investments based on markets instead of shares.
  • Diversify based on value.
  • Rely on financial information rather than economic news.
  • Keep investing simple.
  • Keep investing costs low.
  • Trade as little as possible.
  • Make the decision process during panics automatic.

One strategy is to invest in country ETFs that easily provide diversified, risk-controlled investments in countries with stock markets of good value.  These ETFs provide an easy, simple and effective approach to zeroing in on value.  Little management and less guesswork is required.  The expense ratios for most ETFs are lower than those of the average mutual funds.  Plus a single country ETF provides diversification equal to investing in dozens, even hundreds of shares.

A minimum of knowledge, time, management or guesswork are required.

The importance of…

easy…

transparent…

and inexpensive. 

Keeping investing simple is one of the most valuable, but least looked at, ways to avoid disaster.  Simple and easy investing saves time.  How much is your time worth?  Simple investing costs less and avoids fast decisions during stressful times in complex situations where we are most likely to get it wrong.

Fear, regret and greed are an investor’s chief problem.  Human nature causes  investors to sell winners too soon, and hold losers too long.

Easy to use, low cost, mathematically based habits and routines help protect against negative emotions and impulse investing.

Take control of your investing.  Make decisions based on data and discipline, not gut feelings.  The Purposeful investing Course (Pi) teaches math based, low cost ways to diversify in good value markets and in ETFs  that cover these markets.  This course is based on my 50 years of investing experience combined with wisdom gained from some of the world’s best investment managers and economic mathematical scientists.

Enjoy Repeated Wealth With Pi

Pi’s mission is to make it easy for anyone to have a strategy and tactics that continually maintain safety and turn market turmoil into extra profit.

One secret is to invest with a purpose beyond the immediate returns.  This helps create faith in a strategy that adds stickiness to the plan.

Another tactic is to invest with enough staying power so you’re never caught short.

Never have to sell depressed assets during periods of loss.

Lessons from Pi are based on the creation and management of Model Portfolios, called Pifolios.

The success of Pifolios is based on ignoring economic news (often created by someone with vested interests) and using financial math that reveals deeper economic truths.

One Pifolio covers all the good value developed markets.  Another covers the emerging good value markets.

The Pifolio analysis begins with a continual research of 46 major stock markets that compares their value based on:

#1:  Current book to price

#2:  Cash flow to price

#3:  Earnings to price

#4:  Average dividend yield

#5:  Return on equity

#6:  Cash flow return.

#7:  Market history

This is a complete and continual study of almost all the developed major and emerging stock markets.

This mathematical analysis forms the basis of a Good Value Stock Market Strategy.   The analysis is rational, mathematical and does not worry about short term ups and downs.

This strategy is easy for anyone to follow and use.  Pi reveals the best value markets and provides contacts to managers and analysts and Country Index ETFs so almost anyone can create and follow their own strategy.

Learn how to invest like a pro from the inside out.

At the beginning of 2019 my personal Pifolio is based on select ETFs in the Keppler Developed and Emerging markets.  My Pifolio is invested in Country ETFs that cover seven developed and three emerging markets:

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

Don’t give up profit to gain ease and safety!

Regardless of economic news, these markets represent good value and have been chosen based on four pillars of valuation.

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

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

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

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

You also receive two special reports.

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

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

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

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

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

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

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

Plus get the $39.95 report “The Silver Dip” 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” 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” 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 52nd anniversary of writing about global investing.  Our reports and seminars have helped readers have better lives, with less stress yet make fortunes during up and down markets for decades.  This information is invaluable to investors large and small because even small amounts can easily be invested in the good value shares we cover in our seminar.

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

stock-Charts

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

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

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

Details in the online seminar include:

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

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

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

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

Use time not timing.

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

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

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

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

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

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

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

Save $468.90 If You Act Now

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

 

 

 

 

 

(1) ENR Asset Management

SEE PART 2 OF THIS REPORT

Ashwagandha for Stress, and Sleep


Ashwagandha is good for relieving anxiety, stress, and enhancing sleep.

John Douillard’s Lifespa.com says that a report in the Alternative Medicine Review, shows an estimated 75-90 percent of primary care visits may be related to stress.

The article says: Stress has been linked to a host of health concerns involving immunity, cardiovascular system, sleep, mood, bone, brain and cognitive function, breathing, muscle tension, circulation, fatigue, metabolic concerns such as blood sugar and hormonal issues, and more.

This article is timely as it looks at how to mitigate stress, particularly in the winter and thus eliminate stress’s impact on the immune system that can be “the first domino,” in a breakdown in health.

The article says:  The skin, sinuses, gut and respiratory tracts can dry out, altering the inner and outer skin’s natural environment that supports immune-boosting, beneficial bacteria.

Enter Ashwagandha

One of the world’s most well-studied, stress-fighting adaptogen, ashwagandha (Withania somnifera), is harvested during the fall.

The root of this plant has been used for thousands of years in Ayurveda. It was added to soups and stews to support healthy immune function and fight stress.

The link between stress and healthy sleep has been well-established. Stress overstimulates the hypothalamic-pituitary axis (HPA) causing stress hormones, like cortisol, to stay elevated into the evening, postponing sleep.

In one study, ashwagandha was administered to stressed adults for 60 days. The subjects reported significantly less stress based on a stress assessment scale along with less stress hormone (cortisol) production.

Ashwagandha supports a healthy immune function, boosts white blood cell count, increases lymphocytes and supports

Merri and I take ashwaganda daily, and make this discipline especially important in the autumn and winter.

For extra health insurance, consider the benefits of fall harvested ashwaganda as an immune-supportive, winter herb.

Gary

How the Hogberry Helps With COVID-19

Gain Amazing Health Benefits with the Hogberry

Research is showing that excess body fat can complicate the risks of COVID-19.

A recent article in USA Today, “As obesity’s link to COVID-19 grows, one family that lost 24-year-old daughter diets together” (1) tells the tale.

The article says:  The parents and two brothers of Silvia Deyanira Melendez, 24, are all in therapy after losing their daughter and sister to COVID-19 on March 28.  She weighed more than 300 pounds with a body mass index of 60, double the BMI considered obese. This most likely contributed heavily to her Type 2 diabetes, hypertension and a heart condition that required open-heart surgery two years ago.

The chronic conditions that increase the risk of serious illness and death of COVID-19 are now well known: diabetes, heart disease, hypertension and being older than 65. Obesity is less well known or understood. The Centers for Disease Control and Prevention groups “severe obesity,” defined as having a BMI of 40 or higher, with the other known “risk factors for serious illness” for COVID-19.

A growing number of studies and data on COVID-19 deaths confirm the link. The extra weight on people in the 40-plus BMI range who contract COVID-19 increases the chance they will require hospitalization, most likely in the intensive care unit. It also hampers the ability of physicians to treat them, especially with ventilators, doctors say.

Body fat complicates many health problems.   For example more than 100 studies have found that physical activity can lower cancer risk and even help cure cancer.  Fortunately researchers asked why and one answer became clear. Body fat.

Studies showed that reduced body fat creates  a 25% lower chance of developing cancer.

pixabay

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

First, body fat, COVID-19 and cancer? Let’s ask why?

Part of the answer is toxicity.

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

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

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

Burn Fat to Burn Toxins

When you burn fat you turn on the body’s detox fuel.  Fat metabolism is the body’s natural form of energy. Fat metabolism provides a more steady energy than glucose metabolism and flushes fat cells free of toxins. As the toxicity drops, the nervous system has reduced stress and will naturally burn fat instead of sugar.

This is why I have written a short report entitled “The FAST Way to Better Health” that features a special tea that can help reduce body fat.

The Key is in the Hogberry

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

This reoort is only available with my three Natural Health Reports.

These three reports are about:

#1: Nutrition

#2: Purification

#3: Exercise

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

The Commonwealth Fund in its latest survey on overall health care ranked US healthcare dead last compared to 10 major countries.  Despite being worst, USA Today, Wall Street Journal, Forbes, New York Times have all warned about huge, increasingly costly, health care changes.  There are enormous problems in hospitals and chances are they are going to get worse, with the added complication of COVID-19.

When it comes to health care, we may well be on our own. The very people, institutions and establishments that we should rely on may actually hurt rather than help our health.

Ancient health wisdom accumulated around the world, over the millennia, can fill the gap.

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

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

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

We took thousands of readers to Ecuador, met with shamans in the Andes and Amazon. We helped other readers visit India and also learn great health care ideas from China and beyond.

Since not everyone can go to Ecuador or travel the world, we have created three Natural Health Reports that can help improve the power that your body has.  These reports are concise and to the point. In 15 minutes the first report shows exactly how to start preparing for better health and more energy.

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

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

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

We started the series with eating because so many of our readers have found that a blend of Indian and Andean shamanic nutrition helped them kick start their health with weight trimming.

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

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

Sunski combines lessons about healthy eating that we learned from years of working with all types of Western healers, ayurvedic health masters and then living with an Ecuador Taita Yatchak and his apprentices.

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

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

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

But that wasn’t enough – not when our good health was on the line. So we consulted dozens of top professions who know a lot about natural health. We spoke with holistic MDs, osteopaths, chiropractors, Indian vidyas, Andean yatchaks, and other self-reliant natural health experts who live a naturally healthy path every day.

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

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

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

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

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

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

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

#2: Eat combinations of food for ideal digestion.

#3: Eat in good spirits at the right times of day while chewing in a special way.

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

quinoa pancakes

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

Recipes include:

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

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

These recipes are easy to make, delicious to eat, inexpensive but balanced and healthy foods prepared in ways that provide nutrition and purification.

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

Here are a few facts and health tools you gain:

  • The single biggest constraint you’ll face in your eating habits? – and how you can eliminate it by adding two simple recipes to your Sunski system.
  • How to calculate exactly how much food you need so you don’t over or under build your nutritional plan.
  • A simple solution for making sure that your food delivers what your body needs when you need it.
  • What components you can choose for yourself and how to avoid mass diets that seem to work for every one except you.
  • The best long term solution for avoiding sugar.
  • Use sweet spices to compensate for stress.
  • Specific types of unique spices that give you the biggest energy bang for your buck.
  • Spices that cleanse and purify.
  • Three changes in your fruit consumption that is a critical component for long term purification.
  • The best times to eat specific foods.
  • How to direct different foods to different parts of the body.
  • Three teas that add a resilience to your natural health system that are easy to make and enjoy at home at a low cost.
  • Why it is good (in fact almost a requirement) to sometimes eat junk food.

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

These reports focus on how to have good natural health so you can remain independent and avoid costly medical care.

The second report shows you how to purify and detoxify existing poisons that have accumulated in your system.

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

Unlock the Mystery of Key Muscles

This third report unveils one exercise that energizes and coordinates the digestive system by exercising a set of key muscles, not while you are in a gym, but when you eat!  The body has a number of key muscles that regulate breathing, digestion, circulation, elimination and muscular motion.

The third report reveals an exercise you can do at the dinner table to energize these muscles which in turn coordinate every other muscle and organ in the body. Eating in this way for example (most of the modern world does not) energizes just one key muscle that regulates part of our ability to burn sugars and fat.

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

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

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

Here is what others have said about this information:

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

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

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

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

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

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

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

When you order the three shamanic health reports that normally sell for $19.95 each, you save $19.95 plus get the report on the Hogberry free.

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

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

This is the only way to attain this report as it is not for sale or available to the general public.

As with all my reports and courses, satisfaction is guaranteed or your money back.  I want to be sure that the information in “The FAST Way to Better Health” works for you. The valuable knowledge you’ll gain in these reports works better when the nutrition, purification and exercise reports are combined so I have made this special offer.

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

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

(1) www.usatoday.com/story/news/2020/05/23/obesity-makes-covid-19-risk-larger-hospitals-challenges-much-harder/5221600002/

 

(1) Lifespa.com: Ashwagandha for anxiety stress and sleep

The Savannah – Dilemmas III


Modern life creates many dilemmas.

This is a third of a seven part thought process to seek a better understanding of the modern problems we face.

Each of the seven parts reflects on a quote from the book “Sapiens, A Brief History of Mankind” by Duval Harari.

We’ll be brief, because it will be your reflections…your thoughts on the dilemmas  and how they apply to your life that can help make life better.

If you missed the first two dilemmas, click here.  The Killings – Dilemmas II

The third dilemma is that technology has raced ahead of human evolution.

gizmodo.com

Image from gizmodo.com. We may want to enjoy technology in nature…but even when we are not in the wilderness, parts of our brains are.

Here is the quote for reflection from “Sapiens”.

“Our eating habits, our conflicts and our sexuality are all a result of the way our hunter-gatherer minds interact with our current post-industrial environment, with its mega-cities, airplanes, telephones and computers. Today we may be living in high-rise apartments with over-stuffed refrigerators, but our DNA still thinks we are in the Savannah.”

He gives a familiar illustration – our powerful desires for sugar and fat have led to the widespread availability of foods that are primary causes of unhealthiness and ugliness.

How do we escape the law of the jungle, when in reality we still live in it?

If we step back and look at modern politics and big business, I think we can see that predators are attacking us for sure.

How do we escape the stress when our natural state of being reacts to perceived attacks?

Our bodies are hard-wired to react to stress to protect us from predators and aggressors.

Though attacks in the modern world are rarely physical, the multiple demands:  huge workloads, extra ordinary amounts of rules and regulations we must watch out for… and deceit everywhere creates the same reaction as a saber tooth tiger attack.

The body treats minor hassles as threats and our hypothalamus sets off alarms. Our adrenal glands, release adrenaline and cortisol that increases our heart rate, elevates our blood pressure and boosts our energy.

Once the perceived threat disappears, the body returns to normal.

The problem in the modern world is that stress can pile up on us every waking hour!

The long-term activation of the stress-response system disrupts us and creates numerous health problems, including:

Anxiety and Depression
Digestive Problems
Headaches
Heart Disease
Sleep Problems
Weight Gains
Memory and Concentration Impairment

Stress is a fact of life so stress management strategies like those below should become part of our environment.

Good nutrition

Enough good sleep

Regular exercise

Relaxation techniques and hobbies

Fostering healthy friendships

Having a sense of humor

Taking these steps can enhance peace of mind and lead to a happier longer, healthier life.

One huge stress most of us have is making sure we have enough money.

Keeping our savings safe and growing is ruled by the law of the jungle for sure.

The New York Times best selling book “Flash Boys: A Wall Street Revolt” told the tale of a new way big banks and brokers ripped off investors.   The book shows how since the late 1800s banks, stock brokers and traders have been legally stealing (and sometimes illegally) from investors.

“Flash Boys” looks at high-frequency trading (HFT) in equity markets created by electronic trading.  Speed of data has become so important now that even with a millionth of a second advantage, a bank or trader can see your order, buy your order and sell it on to you at a higher price.

The slice in each case is small but it is estimated that these high frequency traders were pulling as much as $5 billion per year, perhaps as much as $15 billion per year or even higher.

This exposure shows how the entire history of Wall Street littered with scandals of the financial industry using loopholes in the law to rip off investors.

The book shows how every systemic injustice arose from some loophole created to correct a prior injustice. The book says: “No matter what regulators did, some other intermediary found a way to react so there would be some form of front running”.

That’s the law of the jungle.

So let’s reflect on who we really are, what the world around us really is, and how we can control our environment to reduce stress.

Please share your reflections with me at gary@garyascott.com.

Gary

See below how I created a system to take most of the stress and risk out of  investing.

The Only 3 Reasons to Invest

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The stock market has always been the best place of places to protect and increase wealth over the long haul.   Yet it’s also been the worst place to lose money, a lot of it, quickly.

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

The goal of investing should be to stabilize our security, bring feelings of comfort and elimination of stress!

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

This is why my core stock portfolio consists of 19 shares and this position has hardly changed in three years.  During this time we have been steadily accumulating the same 19 shares and have traded only three times.

motif

This portfolio is built around a strategy that’s taught in my Purposeful Investing Course (Pi).  I call these shares my Pifolio.

This portfolio more or less matched the S&P 500 until May 2018.  Then a stronger US dollar made the portfolio look like it was falling behind.   This currency illusion creates a special opportunity we’ll view in a moment.

This portfolio above is based on stock price to value analysis built around 91 years of stock market data.

The value analysis is used to create a portfolio of MSCI Country Benchmark Index ETFs that cover  stock markets that are undervalued.  I have combined my 50 years of investing experience with the study of the mathematical market value analysis of Michael Keppler, CEO of Keppler Asset Management.

In my opinion, Keppler is one of the best market statisticians in the world.  Numerous very large fund managers use his analysis to manage over $2.5 billion of funds.  However because Keppler’s roots are in Germany (though he lives and operates from New York) and most of his funds registered for the European Union, Americans cannot normally access his data.

I was lucky to have crossed paths with Michael about 25 years ago, so I am one of the few Americans who receive this data and you will not find his information readily available in the US.

In a moment you’ll see how to remedy this fact.

The Pifolio analysis begins with Keppler’s research that continually monitors 46 stock markets and compares their value based on current book to price, cash flow to price, earnings to price, average dividend yield, return on equity and cash flow return.  Then Keppler takes market’s history into account.

Fwd: keppler

Michael Kepler CEO Keppler Asset Management.

Michael’s analysis is rational, mathematical and does not cause worry about short term ups and downs.  Keppler’s strategy is to diversify into an equally weighted portfolio of the MSCI Indices of each good value (BUY) market.

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

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

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

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

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

Here is the Pifolio I personally held at the beginning of 2019.

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

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

iShares Country ETFs make it easy to invest in each of the MSCI indicies of the good value BUY markets.

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

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

There is an iShares country ETF for every market.

How you can create your own good value strategy.

I would like to send you, on a no risk basis, a 130 page basic training course that teaches the good value strategy I use.   I call this strategy Purposeful Investing (PI).  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 get this course when you enroll in our Purposeful Investing program (Pi) with a triple guarantee.

Triple Guarantee

Enroll in Pi.  Get the 130 page basic training, a 46 stock market value report, access to all the updates I have sent in the past three years, two more reports on investing (described below) and an online Value Investing Seminar right away. 

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

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

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

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

You also receive two special reports.

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

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

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

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

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

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

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

Plus get the $39.95 report “The Silver Dip 2019” free.

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

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

I have updated this report and added how to use the Silver Dip Strategy with platinum.   The “Silver Dip 2019” report shares the latest in a series of long term lessons gained through 40 years of speculating and investing in precious metals.  I released the 2015 report, when the gold silver ratio slipped to 80.  The ratio has corrected and that profit has been taken and now a new precious metals dip has emerged.

I have prepared a new special report “Silver Dip 2019” about a leveraged speculation that can increase the returns in a safe portfolio by as much as eight times.

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

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

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

seminars

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

This year I celebrated my 51st anniversary of writing about global investing.  Our reports and seminars have helped readers have better lives, with less stress yet make fortunes during up and down markets for decades.  This information is invaluable to investors large and small because even small amounts can easily be invested in the good value shares we cover in our seminar.

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

stock-Charts

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

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

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

Details in the online seminar include:

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

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

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

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

Use time not timing.

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

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

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

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

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

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

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

Save $468.90 If You Act Now

Subscribe to the first year of The Personal investing Course (Pi).  The annual fee is $299, but to introduce you to this online, course that is based on real time investing, I am knocking $102 off the subscription.  Plus you receive FREE the $29.95 report “Three Currency Patterns for 50% Profits or More”, the $39.95 report “Silver Dip 2019” and our latest $297 online seminar for a total savings of $468.90.

ecuador-seminar

Triple Guarantee

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

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

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

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

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

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

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

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

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

Gary

I recommend reading “Sapiens A Brief History of Mankind”

 

Risks Beyond Money


The greatest risks to your savings, pensions and wealth have nothing to do with money.  Stress, worry and doubt are non-financial forces that can ruin more health and wealth than any economic concern.

No matter how much money you have, you’ll still be worried and stressed unless you have one important facet of wealth… “You have to enjoy the process and be adaptable”.

That’s why a mantra we have repeated for the past thirty years has been “Turn your Passion into Profit”.

A New York Times article entitled “No. 1 With a Bullet” helps explain why passion and adaptability are as important as profit.

The article tells the story of 22 year old Matt Haag.   In 2011 Matt was working as a cook at McDonalds.   Two year later he was a professional video game player in a popular series of war games.  That may seem like a silly career, but he was making close to a million dollars a year sitting in a soft chair playing a game he loves to play.  He earned contest winnings, had 1.5 million YouTube subscribers and lucrative contracts to live-stream his daily game sessions online from sponsors like Red Bull, the energy drink.

That’s a powerful example of turning a passion into profit!

Yet Mr. Haag isn’t having as much fun as he should.

The NYT article sums up the problem with a quote from him.   “I think about my future probably at least 10 times a day,” he said.  “I think about what if this all goes away one day?  What if for some reason people just aren’t in your live stream tomorrow?  What if people aren’t clicking on your YouTube videos tomorrow?  What if your team doesn’t work out and you’re not performing that well and you have to quit competitively?  What happens when you can’t compete anymore and you want to retire because you’re going insane?”

His worry was not without reason.  His fan base was largely teenagers and those who sell to this audience live with the near-constant fear that their audience will abandon them for something or someone else.  Haag’s fame only lasted a couple of years.

He was trapped in a cycle of worry.

The article again explains in this quote:  On another evening, Mr. Haag, bags under his eyes, wanted to take a night off and go back to the house in Venice.  He asked his teammates if they wanted to go with him. They declined.

Instead of letting his teammates siphon off fans who could be watching him, Mr. Haag changed his plan and stayed for yet another marathon session of streaming.  “I would love to go home and hang out, but you gotta do what you gotta do,” he said.  “Can’t complain too much, playing video games for a living.

Haag was 22.  He was making millions.  Instead of feeling on top of the world, he was stressed and worried.

Reduce the stress, and a lot of the worry goes away.

Earning extra income with your own micro publishing business can be extremely gratifying.  The business is adaptable.  This reduces stress to beneficial levels.  Merri and I  love self publishing because it is fun, a low stress, satisfying  business.  We know many would like to get started self publishing but miss out gaining a fun and second income that is also filled with prestige because they can’t find the funds to get off the ground.

This is so important that I want to send you a report entitled “How to Finance a Micro Business” FREE.   See the link below for the report  “How to Raise Start-Up Money” to finance a micro business”. 

This is free and without obligation.

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

 

Anger – Cost Vs Value


We may be in for more events that leave many outraged.  Polarity and anger could defeat many this year.  Health could be destroyed over it.  Wealth could be ruined. Yet we can overcome the excesses of our fury and turn our exasperation and bitterness into an asset.   

There seems to be quite a lot of anger in the 2016 political discourse.  I am not surprised.  We have plenty of reason to feel anger… but anger does not increase our intelligence.  Anger does not help us adapt.  Anger can create poor heath and wreck intelligent investing.

gary scott lake

One of my three anger management tactics is canoeing on the lake at our Florida home.

We gain huge benefits when we learn to channel anger into a positive rather than destructive form.

There are many quotes about anger: “Anger and intolerance are the enemies of correct understanding.  Anger is a short madness.  Anger itself does more harm than the condition which aroused anger.”

These all remind us that the cost of uncontrolled anger is an expense that no one can afford.

But we can use anger to create determination.  We should not quit anger just to be nice.  Use anger as an appropriate tool but control it because that is smart.  This is a time to be fluid and ready to adapt as events unfold.  Anger creates positions… lines in the sand and inflexibility… the exact wrong qualities for times of change.

Here is a simple way to reduce anger:  Take a walk in the woods.

A Great article in National Geographic Magazine “This is Your Brain on Nature” points out:

  • EEG, recordings of  brain waves found that people living near more green space reported less mental distress, even after adjusting for income, education, and employment (all of which are also correlated with health).  Overall they showed a 16 percent decrease in the stress hormone cortisol, a 2 percent drop in blood pressure, and a 4 percent drop in heart rate. 

Cortisol can and is an uncomfortable hormone that leads to anger.  Anger increases testosterone and reduces cortisol levels which is why we often feel better in some ways after a burst of anger. But at what cost?

  • Dutch researchers found a lower incidence of 15 diseases—including depression, anxiety, heart disease, diabetes, asthma, and migraines—in people who lived within about a half mile of green space.
  • A block by block study of 31,000 Toronto residents found those living on blocks with more trees showed a boost in heart and metabolic health equivalent to what one would experience from a $20,000 gain in income.
  • A 50-minute walk in an arboretum improved executive attention skills, such as short-term memory, while walking along a city street did not.
  • Research in Finland shows that five hours a month in nature is enough for positive physiological and mood changes.
  • A 15-minute walk in the woods causes measurable changes in physiology.
  • Measurements of stress hormones, respiration, heart rate, and sweating suggest that short doses of nature—or even pictures of the natural world—can calm people down and sharpen their performance.

Merri and my homes are both in nature, surrounded by woods, fields, lakes and streams.

merrily-farms

Entrance to our North Carolina home.

We believe strongly in this natural benefit because the science behind turning negative anger into positive determination is in creating symmetric cerebral activity.

The Science Daily article  “What happens when we get angry?” (2)  points out that anger creates an asymmetric cerebral response.  Angry people have an increase in right ear advantage, indicating a greater activation of the left hemisphere of the brain.   Being in nature helps balance left and right brain activity so we think more clearly and can focus on productive rather than destructive solutions to change.

gary scott lake

Change will keep coming at a faster and faster pace.  We can be offended, bitter and outraged or we can embrace change and turn it into a benefit.  Profit from change! Feel hot about something?   Cool down with a walk in the woods, or at least a look at nature and become determined to turn the wrong into an advantage.

Gary

(1) ngm.nationalgeographic.comThis is Your Brain on Nature

(2) https://www.sciencedaily.com/ What happens when we get angry?

Join Merri and me in nature as an International Club member.

Beyond Chelation Report

This message outlines how and why, in the 1960’s, due to strict OSHA regulations, the government curtailed a simple (and incredibly low cost) amino acid that can help improve cardiovascular systems, increase memory, improve vision, enhance vitality, expand energy and extend lifespan.

One year when we had a Super Thinking Course at our farm, one of the course delegates was a doctor in his eighties.   He had the energy and looks of a much, much younger man.  When asked about his secret of youth he said his vitality was based on several factors.  A few of the habits  you would expect, such as good diet, sufficient exercise and plenty of activity in a strong, purposeful life.

Then he explained another secret of his youth and energy: chelation.

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

Then, he said, he had learned about Beyond Chelation a vitamin-mineral formula created by Dr. Gary Gordon.  The doctor said he found this so effective that he shut down his clinics and exclusively used this simple formula which he (after seeing the results of the formula) felt had better results than I.V. chelation therapy.

Over 30 years of Dr. Gordon’s experience as a clinician, researcher and educator in chelation therapy were behind this comprehensive cardiovascular nutritional supplement, designed to maintain and promote vascular health, mental and physical well being.

Our client and doctor friend gave us a month’s supply of this formula.  He thought it would be excellent for us and would help us with traveling also.  Merri and I tried this product ourselves and felt great, plus we loved the savings we enjoyed.   It was so much less expensive than all the numerous other vitamins and minerals that we had been taking.  We actually were spending less!  In addition this system was so convenient.  Everything was in one simple daily packet.  Especially when we traveled we just bring along a packet for each day we are on the road.  No more loading up pill boxes or bringing bottles (or suitcases full of bottles) of vitamins and stuff.

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

But Beyond Chelation had not been evaluated by the FDA.  Though the product was not intended to diagnose, cure or prevent disease and was only to be taken as a food supplement, the government soon shut it down.

Fortunately the main ingredient EDTA is still available.   This is an alternative for those who should be taking chelation or if if they’ve already had chelation or can’t afford it, or simply want to take advantage of new breakthroughs that permit a safe and effective way to reduce the risk of heart attack and stroke.

In addition to promoting heart health, this supplement has multiple anti-aging effects.  Dr. Dean Ornish of Sausalito, California, long ago demonstrated in a five-year study published in the Journal of the American Medical Association that heart disease could be reversed.   Vascular disease can be arrested and cured.   However, for those unable to stick to an extremely low-fat diet (below 9% in total fat content) and the meditation and exercise mandated in Dr. Ornish’s program, formulas with EDTA may provide similar effects.   Significant improvements of blood flow to the legs, head and heart of patients experiencing problems of clot, spasm and arrhythmia with the use of oral chelation formula have been so powerful that fewer than 5% of subjects in studies on the use of chelation have had to have heart surgery.

There are many benefits from chelation:

  1. Helps to prevent Arteriosclerosis (Hardening of the arteries)
  2. Helps to rejuvenate your cardiovascular system
  3. Helps to improve conduction in all degrees of A-V heart block
  4. Helps to abolish extra heart beats, skipped beats and rapid heart beats
  5. Helps to decrease ventricular arrhythmia due to digitalis toxicity
  6. Helps as a pre-operative preparation
  7. Helps remove lead and heavy metals from the system
  8. Helps increase American life expectancy
  9. Reduces toxic lead and metal deposits and abnormal calcium deposits
  10. Reduces blood pressure and blood cholesterol
  11. Improves circulation
  12. Improves vision and hearing
  13. Improves liver function
  14. Improves skin texture and tone
  15. Helps prevent abnormal cross linking of molecules that age tissue
  16. Helps to relieve symptoms of senility by increasing circulation to the brain
  17. Helps to relieve pain, hypoglycemia, phlebitis and scleroderma
  18. Dissolves fats in plaque lined arteries
  19. Helps make blood slippery and prevents abnormal blood clotting
  20. Helps to increase tissue oxygenation

How does Chelation Therapy work?

It is a largely hidden fact that the main blood vessel leaving the heart of a healthy 80 year old man has 140 TIMES more pathologic calcium in it that the main blood vessel of a healthy boy of ten. By means of chelation therapy, this unwanted calcium (causing a build up of vulnerable plaque, hardening of the arteries, and potential heart problems) is removed from blood vessels and put into water-soluble complexes (chelates), which are readily excreted through the kidneys. Clinical observations reveal, however, that the amount of calcium in bones is not affected by the removal of calcium in the arteries nor is it diminished by the use of EDTA chelation therapy.

What is EDTA and is it safe?

Chelation therapy (using the synthetic amino acid known as EDTA) has been a standard treatment for lead and heavy metal poisoning since World War II. In the 1940’s and 1950’s, patients taking EDTA chelation therapy for lead poisoning reported improved memory, vision, hearing and smell, and diminished leg and heart pain.  Since then nearly 1,000,000 patients with cardiovascular disease have been treated successfully. Further, EDTA has been used as a food additive for over 30 years, the average American consuming between 15-30 mgs in their diets daily.

Why was EDTA put on the back burners?

In the 1960’s, prior to the current strict OSHA regulations, workers poisoned by high levels of lead at their jobs were given EDTA tablets by their company doctors to excrete the lead. The government, wanting to get to the source of the problem, ordered this remedy to be curtailed and the working environment improved.  Because of this situation and with this order, oral EDTA chelation went into seclusion.

Why is Oral Chelation surfacing now?

Through almost 30 years of comparative case studies, researchers have discovered that oral and IV EDTA chelation therapy (especially when augmented by scientifically formulated nutritive support) improved the functioning of most organs of the body.  Recently, biological age determination testing has gained widespread scientific acceptance, which allows us to prove that Chelation therapy improves the functioning of most organs, effectively turning back their biological clocks.  It also may be a solution to the newly discovered cause of 85% of the major heart attacks now targeting half of the American males in the United States who are over 40 years of age: vulnerable plaque.

Preventive Medicine and Longevity Medicine: the Medicine of the Future!

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

Beyond the Heart to the brain as well

Gain the path to natural health which reduces stress and creates body, mind and emotions that are crystal and clear.

Stress is a major contributor to disease.  Any kind of stress:  weather, physical, bad food, money problems or simply a boss, spouse, friend or government being unfair can clog the purity of our natural health.

Major Gap in Knowledge of the Brain Revealed 

Tiny meningeal lymph vessels that drain dangerous toxins from the brain were just discovered last year through research by a PhD professor in the University of Virginia Department of Neuroscience.  These lymph drains follow a major blood vessel into the sinuses, an area difficult to image and are so close to the blood vessel that were amazingly, but simply missed.  According to Nature, this is a stunning discovery that overturns decades of textbook teaching.  Research is showing that congestion of this purification system is linked to reduced clarity of mind, depression as well as inflammation, autoimmune imbalances.  Because almost every neurological disease has an immune component to it, these vessels may play a major role in improving functions of the mind.

Tweaking the lymph system could become a regular medical procedure.  Improving the brain’s lymphatic system, for example, may help clear protein clumps in Alzheimer’s or rogue immune cells in multiple sclerosis.

While the medical establishments are busy looking for cures to diseases (that will bring them profit), there are ways we can improve our metal clarity, enhance our moods and reduce the risk of diseases in the brain as well as the heart.

The purification report in our three Natural Health reports shows how to clear our lymph system.

Purification Removes Stress

Stress is a major impediment to health, wealth and the pursuit of life’s purpose.  Another problem is that when a source of stress is removed, the results of the previous stress do not all go away.  The body stores stress which creates negative health cycles.   The more old stress is stored, the harder it becomes to deal with current stress.

To improve our natural state of health, we need to remove stress from our day-to-day lifestyle and remove the stored stress in our body in the form of toxicity.  We need to remove it from the inside out, at the most subtle molecular levels in the body.  We also should purify the body from the outside in from the skin into our core.

We need to remove stresses of the past (stored toxins) so we can work on stress in the future.  This is why the second of our three natural health reports is about purification.  I studied for decades with healers around the world because chelation can help kick-start better health.

Here is an excerpt from our health report on purification.

The ultimate form of purification is to be clean and pure.  Yet this is not easy to do.  There are toxic chemicals that can infect us every day.  These poisons can be in our food, medicine, clothes, car, pots and pans, water, air and teeth.  Some of the poisons are even hiding in plain sight, in places that promote purity!  Take BPA as an example.

There are concerns about the effects of BPA on the brain, behavior, prostate gland, fetuses, infants and children.  The Food and Drug Administration is taking steps to reduce human exposure to BPA in the food supply.

Imagine this.  To maintain natural good health we shop at Whole Foods, pick only organic, get only water that is in BPA-free water bottles and carefully stay away from BPA-filled canned food.  We check out and cringe at the higher prices as we examine the receipt, not knowing we were just then contaminated with BPA…twice!

An article is entitled “Toxin BPA Found on Receipts from Safeway, Whole Foods, Walmart”  explained that BPA easily transfers from cash register receipts to skin, where it penetrates at such a deep level that it can’t be washed off.   There was a study to find out how much BPA is on the store receipts that many of us touch every day.  Most thermal paper is coated with BPA and is widely used for point-of-sale receipts, prescription labels, airline tickets and lottery tickets.   A test of 36 receipts from popular retailers yielded some disturbing results:  BPA was found in significant levels in receipts from chains including Safeway, KFC, Whole Foods, Walmart, and McDonald’s. 

We need ways to purify the toxins we pick up from daily life.

There are three reports on how to have better health naturally including the report on purification.  All three are available online.

The purification report looks beyond EDTA at ways to void many of  the toxins that surround us and 17 powerful ways to remove stored toxicities.  A few of the subjects included are:

  • How to Spot Poisons
  • The Daily Household Items to Avoid
  • Healthy Alternatives to the Daily Household Items
  • Toxic Foods to Reduce or Avoid
  • How to Stop Adding Toxicity
  • How to Remove Toxicity with Silver
  • The French Solution to Air Pollution
  • Andean Water Purification that Purifies from the Outside In
  • Andean Spice Purification
  • Food Purifiers that Detoxify From the Inside Out
  • Purifying Baths
  • Purifying Oils
  • Purifying Teas
  • Purifying  Exercises
  • Deep Purifying Systems

The report looks at all the tricks of cleansing the body that Merri and I have learned in our nearly 50 years of global travel.

The three reports are about:

#1: Nutrition

#2: Purification

#3: Exercise

Each report is available for $19.95.  However, I would like to make this special offer that saves $19.95

Order all three Natural Health Reports worth $59.85 for only $39.90.

I have written three reports on how to improve our natural health.   These reports have been decades and millions of miles of travel in the making.   We’ve invested thousands of hours into learning the skills of health self-reliance and resilience, identifying the best foods and combinations and sifting through loads of seeming contradictions to get to the facts about “Do it Yourself” longevity and natural health.

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

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

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

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

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

#2: Eat combinations of food for ideal digestion.

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

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

#5: Chew in the correct way.

#6: Eat purifying and satisfying meals.

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

The third report, “Smooth Moves for Longevity” is about inner exercises that make you healthier.  

“Smooth Moves” shows physical ways to gain better health that are too easy to call exercise.  Many of the moves you will learn strengthen the smooth (rather than voluntary) muscles.   Many of the routines go beyond EZ.   “Smooth Moves” are easier (but perhaps healthier) than exercise.

Smooth Moves combine lessons that Merri and I have learned about smooth and easy exercise while living and working with natural healers from around the world over the past 40 years.

Each of the reports is available for $19.95 a piece.  The three reports are “Sunski”on nutrition and “Improving Natural Health through Purification” on purification and “Smooth Moves for Longevity”.  However, I would like to make this special offer.

Order all three Natural Health Reports worth $59.85 for $39.90.

These reports can help improve your natural health and the extra energy you gain can change your life.

The mother of one reader in Tampa, Florida who attended one of our health courses wrote: “Hi Merri and Gary: Thank You! Thank You! Thank You!  Our daughter called me from the airport.  She was very happy, excited and told me all about the wonderful time.  She could not stop talking about you guys, about the seminar and about the whole positive experience.

“We want to thank you both so much for your support and care and for the wonderful attention you gave.  I don’t think she could have made it without your help.  Her health is so unpredictable…. She can be fine for a few weeks and then she has a relapse….and, of course, traveling is very stressful for her.  But she has a wonderful attitude and is so looking forward to get her business off the ground…this is the first time in over 6 years that she has been able to ‘get back to work’ and she is full of optimism. T hanks again for being so understanding and helpful. I just don’t know how to express our thanks other than to send you both a big warm hug!”  CT Tampa

The three health reports can help make your life better.  We guarantee it.

Guarantee.

Here is our guarantee.  Read the reports.  If you are not totally happy, simply let me know.  I’ll refund your payment in full.  You can keep the reports you have received as our thanks for trying.  You have nothing to lose except the fear of having no way to avoid a health care system that may be worse than the illness.

You can receive “Improving Natural Health through Purification” – “Sunski-The Healthiest Eating” and “Smooth Moves”, plus a special report on a health tip that almost no one knows, “The Secret of the Hogberry” all guaranteed. 

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

Gary

The Power of Anticipation


One of life’s greatest joys is anticipation.  The proof? Christmas Eve as a kid when things are good.

Looking back many years ago to Rockwood, Oregon.  The Sears and Montgomery Ward catalogs had been read.  The tree was up.  Gifts were wrapped and stacked shimmering beneath lights that bubbled in the dusk and reflected each a tiny burst of anticipation.and that anticipation had been building.for days!

Now the job for me and my sister was to talk mom and dad into opening gifts on Christmas Eve.  There was no luck and a buildup of breathless anticipation.  We persisted.  “One gift only”, they would say.  “Not the big one either”.   So we opened some little thing, maybe socks from Aunt Vi.    Then off we went to bed with the greatest Christmas gift of all anticipation.

Talk about early risers, we were up before dawn!

sunrise

Sunrise at our home.

Sunrise is another anticipation.  Here is what I get to see each morning sitting at my desk typing away. I can’t wait and though I’ve seen it each day this explosion of color is always a surprise.   Each night is filled with anticipation, another day, a dawn and a cup of coffee plus being able to come into your home with some tiny positive idea. (Thanks by the way for being such a part of my anticipation).

The dawn and Christmas are one of life’s greatest joys because they magnify anticipation

This is why your own self publishing business can be so wonderful.  Each morning is filled with anticipation.  I grab my French press filled with organic coffee. Pad to my computer and even before dawn check yesterday’s mail.  Then I read the insights shared by you.

Some days I get notes like this.

Gary, Last night when I arrived home from work and was mentally and physically exhausted; stressed by some airline customer issues and moving boxes for our office modernization. After dinner, my plan was to delve into the Publication manual but when I found my eyelids fluttering, I thought my plan was in jeopardy. As I settled into the recliner with the manual having adjusted the light to focus on the material, something amazing occurred as I began to read. A hypnotic trance ensued as I forgot about being tired. The first few pages invoked a new page in my life; what if there were no obstacles or limits what would you do and what makes your heart thump. I have to tell you, the brainstorming was astounding. I began to drop ideas into this bucket that are important to me and finally ran out of room. Picking three was really difficult, so difficult that I added two more topics on separate pages with actions.

Normally head for bed around 9:30 PM since I rise at 4:30 each morning for my typical routine in preparation for the daily grind. Surprise – it was approaching 10:30 PM and I was shocked. Your material mesmerized me to continue reading and time meant absolutely nothing, I was in a time warp. What I’m attempting to explain here is, this manual is so well written that it stimulates your enthusiasm and creativity ten-fold.  This hasn’t happened to me in a very long time. Also learned about how you began (in the N.W.) and what it took to succeed.  Now we have the opportunity to follow you and Merri’s direction to excel without boundaries…..Thank you.  With sincere regards to you and Merri

This is the type of reading for me that is worthy of anticipation which is why there is so much focus at this site to help you have your own self publishing internet business.

Until next message, may all your life be filled with anticipation. Happy Christmas Eve.

Gary

Live Better and Be Free – 5 Global Earning Experiences

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

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

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

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

gary-scott-international-business

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

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

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

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

Then we got together.

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

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

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

 

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

If so then read on… because… Merri and I have led that lifestyle for decades and can show you how to live it too.

The key is to earn from home offices.   They are part of a micro business secret and you’ll see why have two home offices (and using two cars in business) can save thousands in taxes.

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

gary-scott-international-business

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

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

Caring is just one example of how to live anywhere and earn, especially now that the pandemic will change how people vacation.

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

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

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

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

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

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

These are just a few of the business experiences that can help you have the freedom to earn globally.  They are shared in our emailed correspondence course that you can now have FREE.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Whatever your passion you can learn how to earn by creating a micro business based on it.

Take fishing, for example.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

To order the entire “Live Well and Be Free Anywhere” program normally costs $299.

The course is so complete Merri and I extend our “no fooling around-complete satisfaction guarantee”.

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

Normally to order our entire “Live Well and Free Anywhere” program would cost $299.

Right now you can get this program FREE.