Tag Archive | "trading down"

Civil War II – The Cost of Trading Down


Over the last 52 years I have been involved in global economic activity, mostly while residing either on US or British soil.

During that time I  have never seen quite as much polarity in the USA or in the UK.

It’s like Civil War II.

Why?

boris johnson

Boris Johnson

Donald trump

Donald Trump

Could it be hairdos?

The hair is probably not the point nor should it be.

The fact that mainstream media focuses on the hair and looks and other irrelevant information is more the issue.

In both the US and Britain, huge tensions are being based around emotions created by unimportant information rather than on issues.  This makes Winston Churchill’s quote about voters all too correct.

Churchill said:  “The best argument against democracy is a five-minute conversation with the average voter.”

Sadly politcans think this is true and try to lead through distorted stories.

Author Yuval Noah Harari, in his missive 21 Lessons for the 21st Century, clarified an important point:  “Humans think in stories rather than in facts, numbers, or equations, and the simpler the story, the better.”

This creates a problem.  Politicians think that voters have to be told a simple story, so they dumb down important, complex messages so they don’t get across enough of the tale.

I saw a prime example of this in NPR’s coverage of the recent Supreme Court hearings when one speaker spoke about the issue of allowing felons to vote.  He started off talking about how Democrats wanted to let murders and rapists vote.  That theme remained throughout the speech.  There was no mention of the fact that a majority of felons are not murders or rapists and huge numbers are solid citizens caught up in drug problems.

I felt insulted that anyone would think I would buy into such a distorted story!

I believe that one root of these tensions both in the US and UK is “Trading Down”.   Brexit and Trump are popular with the disenfranchised middle class who have seen the quality of their lifestyles erode as politicians and big businesses work together to make a few people, who prey on the middle class, rich.

One of many examples why the middle class should be angry is zero interest rates on her investments and savings.

Banks like JP Morgan Chase, pay nothing on middle class savings.  But they still charge really high interest on credit cards.  The middle class lifestyle is being whittled down by losses on their savings and high payments on their debts.  Even though banks like this have been shown (and fined billions) to cheat their customers again and again, they have been given billion dollar bailouts of public money during hard times.  The CEOs in charge are still on the job.  What is worse is they are paid huge sums that seem to increase yearly.

This trading down of values is true on the political scene as well.  Take Harry S. Truman as an example.  President Truman stated that he would never involve himself in “any transaction, however respectable, that would commercialize on the prestige and dignity of the office of the presidency.”

After his term, he lived modestly so he could get by on a $112.56 monthly Army pension and his savings.  It is said he saved as much as 20 or 25 percent of his $75,000 annual compensation (from April 1945 to January 1949, and $100,000 thereafter).

Truman’s net worth was estimated to be $750,000 so only his prudent retirement planning and modest living habits provided for an adequate retirement.

The Clinton family on the other hand who had a negative net worth when Bill Clinton left the presidency (due to legal fees related to the Monica Lewinsky affair) make tens of millions a year.

When middle class Americans (or British) see those who should be serving them, taking advantage; they become angry, especially when the middle class lifestyles are being eroded.

“Trading Down” is a great unsettling change.

The Brexit and Trump arguments are symptoms of such a change in the Western World that we could call it Civil War II.   I nor anyone knows how it will turn out, but there are practical ways to make sure that we are not ruined by the battle.

One of the most important steps is to seek value.  For example the UK and US political struggles have the potential to bring bad and good.

However the UK Stock Market reflects the risk where as the US market does not.  Look at these figures from a recent lesson about value investing in our Purposeful investing Course (Pi).

Both the US and UK face many unknown factors.  The UK market reflects these risks.  Look at the fundamentals.  According to the analysis of Keppler Asset Management shares in the US market are selling at a premium of 3.96 times book value.

The UK market is selling at 1.41 times book value.  The average dividend yield of the US market is 1.63%. The UK is more than double at 3.90%.

Compare the US and UK, as of Sep. 30, 2020 below.

keppler

Both markets offer great long term opportunity with short term risk.

The UK has a good risk reward ratio.  The US does not.

Is one guaranteed to rise more than the other? 

No one knows but the Top Value strategy we research in our Pi course shows that investing into a diversified equally-weighted combination of top value markets during times of turmoil and tension offers the highest expectation of long-term risk-adjusted performance.

This is the best way to protect against risk and increases the odds for profit.

Gary

Coronavirus and the Stock Market Round Two

Coronavirus and the stock market.  Round Two is coming.

This virus and the market faced off in the spring.  The market won.  As the chart below shows, after a huge March 2020 collapse,the DJIA is almost back to its December 2019 level.

stocks

The market’s back up, but history suggests that we’ll see volatility in the ten years ahead.

Here is a chart of the Dow Jones Index for the past three decades.  The .dotcom bubble burst just before the beginning of the 2000 decade.

microtrends.com

The market then went nowhere from 2000 to 2014.   Finally it started reaching new high levels.

Such decades long sideways movement after a severe correction is nothing new in the stock market.

So everything’s in order… except the pandemic.  The ravages of the coronavirus dramatically increase the unknown and this uncertainty is the greatest purveyor  of weakness that a stock market can have.

Such delays have profound implications for older generations who may need to cash in equities for income.  How do we maximize the return on your savings and investments during this extremely dangerous time?

For the past five years, my strategy, to protect against the next stock market crash and yet gain income and appreciation from rising share prices is to invest in an equally weighted portfolio of the value based country ETFs.

We track 46 stock markets around the world in our Purposeful Investing Course (Pi) to determine which markets offer the best value so we can be in a perfect position to take advantage of stock market corrections all over the world.

Since no one knows what the future will bring, investing in value makes the most long term sense.

Our Purposeful Investing Course (Pi) teaches 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.

Sticking to math based stock market value and country ETFs eliminates the need for hours of research aimed at picking specific shares.   Investing in an index is like investing in all the major shares of the market.  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 Pi portfolio 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.  Now I am updating my plan to decide when it’s best to invest more.

70% is diversified into developed markets: Austria, Canada, China, France, Germany, Hong Kong, Italy, Japan, Norway, Singapore, Spain and the United Kingdom.

30% of the Pifolio is invested in emerging markets: Brazil, Chile, Colombia, South Korea, Malaysia and Taiwan.

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

The ETFs provide incredible diversification for safety.  For example, the iShares MSCI  Japan (symbol EWJ) is a Country Index ETF that tracks the investment results the Morgan Stanley Capital Index MSCI Japan Index which is composed mainly of large cap and small cap stocks traded primarily on the Tokyo Stock Exchange mainly of companies in consumer staples, financials and materials. This ETF is non-diversified outside of Japan so an investment in the ETF is an investment in hundreds of different Japanese shares.

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 almost every market.

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.

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.

You also receive a 100+ 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.

This year I will celebrate my 52nd anniversary of global investing and 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.

Those five decades of experience have taught me several incredibly valuable lessons.

The first lesson is that there is always something we do not know.

The second lesson is that stock market booms and busts always eventually return to value.

Third, the only sure way to succeed is to 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%.

Subscribe to the first year of The Personal investing Course (Pi).  The annual fee is $299, but during the pandemic to introduce you to this online course  I am knocking $124.50 off the subscription.

Guarantee

Enroll in Pi.  Get the basic training, the 46 market value report and access to all the updates of the past two years.

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 in the first two months for a full no fuss full refund.

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

Due to the COVID-19 pandemic we have cut the subscription to $174.50.  You save $124.50!

Then because this global recovery is going to take years, we’ll maintain your subscription at just $99 a year rather than $299.  Your subscription will be autorenewed in 2021 at $99, though you can cancel at any time.

Click here to subscribe to Pi at the discounted rate of $174.50

Subscribe to Pi today and you get a year’s subscription to Pi now, get the 130 page basic training, the 120 page 46 market value analysis, access to over 100 previous Pifolio updates, plus begin receiving regular Pifolio updates throughout the year.

Gary

 

 

Less Money – More Food – Poorer Health


Here is how an economic trend have dramatic impacts on our health.

I have a friend who lived many years in China.  His wife’s parents were among the bourgeoisie who were deported from the city and sent to the country side to be “reeducated”.   Her health suffered so she is physically small, because her nutrition declined and was not good. She ate too little  as she grew up.

America’s nutrition is in decline as well, but in reverse… eating too much… of the wrong thing.

ice cream

Messages at this site have looked at problems associated with trading down since we issued a report on the problem in 2010.

This trend continues and trading down can impact our health and wealth.

One big issue we face is that reduced standards of living impact health.  Poorer health further lowers standards of living (less productivity and higher health costs).

This creates a negative downwards health spiral that is so pervasive that it seems normal.

We are surrounded by temptations to trade down, in all walks of life, every day.

A New York Times article “The Ice Cream Sundae Must be Stopped” gives us an example.

The article says: “They will say it is mascarpone ice cream with salted caramel sauce and chocolate crumble; or sweet cream ice cream with maple syrup and the remains of some brown-butter wafers; or beer ice cream with pretzels and, I don’t know, an espresso reduction.”

Restaurants are trading down from pastry chefs to pastry sous-chefs.  The sous-chef has the same duty, hours, physical labor, but earns $30,000 or $40,000 less a year.

The article says:  As you may have heard, times are tough for local restaurants. Health insurance costs and the minimum wage have gone up, and the rent was already too damn high. Diners get skittish if prices are raised often or suddenly. Operators looking to cut expenses have targeted pastry chefs, and replaced them with pastry sous-chefs who may be just out of culinary school, who may have little or no background in baking and almost certainly have no experience running a department that can turn out half a dozen thoughtful, inspired desserts every night.

So the deserts offered are unimaginative and replace skill and fresh, good ingredients, with larger portions of sugar, flower and grease.

As the nation’s pocketbook decline, its waistline expands.

The price we pay is high!

The Wall Street Journal article, “How death strikes around the US” (2) tells the tale.

wsj.com

This image is from “How Death Strikes Around the U.S.” which shows that substance abuse, suicides and diabetes drive an increase in premature deaths in nearly half the states.

The solution to this problem is to become abnormal.  If we are average in a sick society… it means we are sick.

There are many things we can do, even when faced with poor options.   If you must eat breakfast at McDonalds, order an  Egg McMuffin without cheese and throw away the ham.  Then you are eating an English muffin and an egg, far fewer calories.   Dumping the sugary, fat filled drinks with chocolate, caramel and God knows what else… should not even have to be said.

We are surrounded by pressures thrown at us to satisfy the agendas of others.  They can drain our pocketbook as they stuff and stretch our clothes.

If trading down continues and you cannot avoid it…  keep looking for the silver linings.

That’s why I wrote three reports on how to have natural good health. I hope you read them

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”.

shaman

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)  The ice cream sundae must be stopped

(2) www.wsj.com: How death strikes around the US

How to Rise from the Fall


Here is a way to avoid “Trading Down” and moving up instead.

Merri and I love our life on the farm, growing our own vegetables and fruit, raising trout, living the simple quiet life and sharing it with others via AIRBNB.

We are enjoying life more as the pressure on much of the middle class gets worse.   The loss of life’s quality has created divisive politics in America and around the world.

We don’t hear much of this out here in nature.

The politicians and big businesses are making a few people rich by preying on the middle class.  Yet there is not much of that going on in the woods.

Beginning this decade we began to feature the danger of Trading Down.

In 2009 our message posted at this site said:  Remember this phrase “Trading Down?”   This economic fact is having a dramatic impact on finances right now.  One result is that many Americans will move abroad where the cost of living is lower.  Others will tighten their belt.  Many could suffer.

An example of the many insidious ways our lives will undercut is that airlines will reduce the size of  airplane seats and cut back on service. 

airplane-seats

Airlines were even looking at seats that would leave passengers standing.  This is an image of  proposed airline seats on low cost carriers.

Billions of people outside the USA are entering the middle class.  This will accelerate “Trading Down”.   Almost a billion Indians and Chinese are getting ready to be able to afford their first air travel.  Standing up might seem impossible to those of us who were raised with the concept of champagne flights… but this new wave of consumers has just come off ox carts or bicycles at best.  The stand up flight is a big step up for them.

Where would you aim your business, at the 60 million declining boomers or the new upcoming billions?

Since that prediction the elimination of service by airlines has grown in spades!   Cuts have ranged from charging for baggage to reducing seat size to ignoring seat assignments and even dragging passengers off planes.

Don’t expect a turnaround to “Trading Down” anytime soon.

A recent article in USA Today. “Low Wage Jobs to grow in Next Five Years”  (1) shows why this problem will get worse.

The article points out: Technology and globalization will continue to reshape the labor market, paring some middle-wage factory and office jobs in particular.

Around half the jobs lost will be among middle-wage jobs, and these will not be quickly replaced.

“Middle-wage jobs are having a harder time growing in the new world economy.”

Trading Down will make the lives of millions worse.  Some of my friends who have been in the global business as long as I have think that the world is headed for an economic collapse.  ATMs won’t work, credit cards will be denied and banks will be shut, taken over by some  government agency.   Gas stations will run dry, store shelves empty and it’s even suggested that stock markets will close and Social Security will default.

Certainly, I do not think events will be this dramatic, though it could happen.

I believe instead that there will a steady decline in purchasing power for the middle class.  A few of the benefits of modern life could no longer be affordable.  Vacations could become a luxury affordable for only a few.  New vehicle purchases could end for most.  Debt pay off could be unthinkable.   Credit card debt could create a form of slavery for the majority middle class.  Borrowers could be charged high interest, but the same banks that lend will pay next to nothing on savings accounts.  There could be little cash left for emergencies and building up any retirement savings will be just unimaginable and not very useful anyway.   Medical care will deteriorate even further.  Many could die in waiting rooms and regular dental work will become a dream from the past.  Increased medical costs could become the second form of slavery.

All of this is “Trading Down” and more people, than not, could see their lives deteriorate because of  it.

We can either complain about it or do something about it.

Don’t join in “Trading Down”… use the trend to live a richer life instead.

The lower end of the middle class is a growth sector but millions will still lead less abundant lives due to the trading down phenomenon.

There are many ways to profit and increase your life despite trading down.

For example, because Merri and I had already seen trading down coming we had moved away from busy communities to Smalltown USA.

One distortion created by trading down was a move by the middle class to Central Florida.

Tighter lending practices meant that more people would be trading down by renting homes rather than buying.   Florida remains the sunshine state and sunshine always attracts people.   This seemed like a no-brainer.

We began buying houses that would be good rentals for middle class professionals.  The real estate market was devastated.  Houses could be purchased for much less than construction costs.  Prices were low enough that rents created a reasonable return.

This diversification in our portfolio has been based on our belief in “Trading Down”.  The investments have paid off also. We have seen strong rental demand from working professionals:  police, firemen, nurses, postal employees and retirees who now prefer to rent rather than own.  Plus as the populations swell, the capital value of these rentals has risen.

The sharing economy is part of the trading down process.   Rentals are booming but trading down has become so powerful that many middle class, especially younger, cannot even afford to rent their own apartment or home.

Numerous large real estate developers are embracing the concept of “co-living.”  These rent condos where they share communal kitchens, bathrooms and common spaces.

In New York, one century old developer has created compact apartments, typically just over 1,000 square feet. They have three substantial bedrooms and walk-in closets. They have a stylish shared kitchen and small entry area with enough room for a table and seating.  There is a shared washer and dryer in a closet, and two full bathrooms that are equipped with roommate-friendly features such as doors with indicators showing whether the bathroom is occupied.

There is no living room, but tenants enjoy co-living-type shared amenities-such as lounges, fitness centers and rooftop terraces, as well as regular group activities like wine tastings and yoga.

More people also share second holiday or getaway homes.  Rather than owning a cabin in the mountains or at the beach, people share the homes of others when they want to enjoy nature.

We have jumped into the sharing economy at our North Carolina farm.   We made a couple of our cabins, previously used for seminars, available through AIRBNB.  That has worked really well and now we have four cabins we use in this program.

These are just a couple of examples of what Merri and I are doing to rise up due to trading down.

You may hate the idea of living in the middle of a forest.  You might not want to grow crops or raise fish.  This is not the point.

Merri and I made these investments and make this effort just because we love it.

Look for distortions created by “Trading Down” in areas of interest for you.   Find your passion in the forces of change that create “Trading Down”.  Turn those passions into profit.

When you find value this way, your lifestyle can be one that’s on the rise instead of on the fall.

Gary

(1) www.usatoday.com: Low wage jobs grow over next 5 years

10 Days Effort – 30 Years Pay

Over 30 years ago Merri and I locked ourselves in our basement every day, for ten days.  We wrote a report, “Three Confidential Reports On How to Make Money Abroad”.

3 reports

The report sold well and generated an income.  Now its long out of date and I have just the one copy left standing in my archives.

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

Let me share an idea on brief efforts you can take that create extra income now and for years to come.  I’ll even show how to generate cash flow  that lasts so long, your heirs will enjoy the income too.

See how one publishing venture that required $3,600 turned into $13,706… in 30 days and has continued to generate residual income for over 20 years.   That small push in the 1990s is still earning for Merri and me now.

Learn how to enjoy this kind of extra money  again and again from a  course that shares nine secrets on how to generate long tail income (money that comes in again and again) from small, self sufficient business at home.  This message explains this course and shares seven examples of income that required just days of work but generated income that has continued for years.

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

First, let me tell how I searched for this elusive opportunity for twenty years… how I looked for a way to gain incredible, outlandish, unbelievable income.  Then I’ll explain how I finally found it and why after years of proving its validity, I can now share it with you.  The opportunity I sought had to be so enormously profitable that I would always have the earnings I needed, income that kept coming in even if I did not work.  But this Crown Jewel of Businesses also had to be as safe so it would keep generating income in good times and/or bad AND be flexible.

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

I feared deep down inside that what I wanted was impossible, but nevertheless, I scoured the world for over twenty years looking for it.  I looked in Japan, Hong Kong, Korea, Thailand, Indonesia and the Philippines. But I didn’t find it in Asia. I went to the Middle East and roamed all over Europe. I hardly missed a country.  After twenty years and millions of miles, I guess I gave up.  Only then (as these things so often happen) was it that I found the best opportunity in the world.  This income generating business was not only perfect but was sitting right here in my own backyard in smalltown USA.  It required very little money, could grow as fast as I wanted, offered freedom, enjoyment and allowed me to live wherever I chose!

Read below how you, too, can earn income again and again from a special system (never offered to the general public) that makes it possible for you to create huge amounts of extra income, full or part time and enjoy excellent profits-yet have fun and enjoyment.

In this quest. I was looking for an at-home business opportunity good enough to be foolproof under every sort of circumstance.  I sought a business that contained the ultimate instrument of survival which is resilience and flexibility.

I only discovered this powerful way of creating everlasting income because I changed my search.  Instead of looking just at businesses, I looked at the rich, how they made and kept wealth.  Most millionaires. it turns out, made their money in business that started small and evolved. I changed my quest and started looking at small businesses that brought independence, freedom and fulfillment and could grow rather than big, get-rich-quick business schemes.  I studied the rich to find the secrets they used.  Here are five of nine important secrets, for combining freedom with wealth, I learned:

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

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

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

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

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

Understanding these secrets, I realized a fantastic way to make money was actually just my own business;  Publishing to Sell!   Almost anyone can make a fortune in publishing.  Publishing to Sell is the perfect business for making money as you gain complete independence and freedom.   Publishing to sell fits all five secrets above.  You can make a fortune by publishing to sell even if you never write.

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

Online publishing had made publishing to sell even easier in a way, but the intense competition in online publishing has made it harder to profit from pure online publishing.   Publishing to Sell overcomes this new publishing obstacle.

What is publishing to sell? 

Publishing is the business of producing, selling and delivering books.  Self publishing is the business where the writer is also the publisher.

“Publishing to Sell” is the business of producing, selling and delivering books that provide important information, but also leads or sells some other publication, service or product.

For example, Merri and I used publishing to sell in Ecuador.  We published a report about living in Ecuador.  This was an informative report that helped thousands of readers move there.  The report also outlined the benefits of our Ecuador real estate tours and Super Thinking Spanish courses.  That particular effort starting in 1995 created a million dollar business that still generates earnings to this day.

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

spine

From Dr. Joe’s website.

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

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

She published recipes on how to bake extra delicious deserts-sugar free deserts, with extra healthy ingredients.  She created opportunity with the publication.  Her publishing efforts also made her an expert and enhanced her cooking school.  The main ingredients she chose to work with were quinoa, the Andean super grain, and stevia.

Jamie learned how to take out the unwanted ingredients such as white flour and white sugar and replace them with healthy ones.  She uses veggies and quinoa along with stevia and natural honey…all organic ingredients. The cakes are gluten-free as well by replacing flour with flaxseed meal nut flours.

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

jamie alexander

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

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

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

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

Below is proof from confidential results of  sales I have made though publishing.

One November, I ventured $1,900 in postage to mail 10,000 letters. $16,823 came back in the mail (before I even had to pay the printer).  My profit after deducting all costs was $12,136 on the $1,900.

Then in December, I ventured $475.  It returned $3,106 in one month.  That led me to venture another $475 the same month.  $2,688 came back.  I ventured even more, another $475 that December and earned another $2,673.  I kept that ball rolling and ventured this amount one more time that month to gain an extra $3,970!  My business never ventured more than $475 at any one time, but my earnings were $12,437.  These are not just luck either.  I tried the same publication the next March and a $5,500 venture brought back $12,774.  In April a $1,900 venture returned $4,152.

 

Internet profits simply reinforce and add to the residual income on a low cost basis.

With figures like this, you have got to ask can they be true?   I guarantee they are, but obtaining such results is not without pitfalls.  In fact, there are seventeen pitfalls I have learned to avoid and it took me more than a decade of struggle to learn how to avoid these problems.

Then the Publishing to Sell business got better, much… much better.

Publishing is even better with Internet savings!

The profits mentioned above show the earning power of self publishing.

Now those profits are even better because postage is no longer required.  Promotions can be sent over the internet.  Printing and postage are nil!

The mailed efforts took place over previous years, many still generate residual income today.

You see the earnings we just shared were all earned when our publishing to sell business was in print.  When the internet became popular and we created a website (in the 1990s), the cost of risk went into a steep dive due to a new advertising medium called Pay Per Click (PPC).  Prior to PPC the biggest part of every publishing venture was paper, printing and post. If a publication was mailed, and not read, the paper, the printing and the postage still had to be paid for.  The cost of sending publications which were never opened created a huge risk.

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

Freedom is even more of an important benefit that publishing to sell can bring you.

Back in 1974, I had what I thought was a good business but to be honest I could never get ahead.  I always seemed to be in debt and the harder I worked, the deeper the hole my finances seemed to be in.  Then I discovered a secret on how to avoid the 17 pitfalls of publishing to sell.  Since then our publishing to sell business has brought in millions.  We gained all the physical possessions we desire (more in fact than we wanted), more houses than we could use (we rent them), two tropical beachfront homes and a Tuscan inspired villa in the mountains on overlooking a roaring creek, a 250 acre farm and a 900 acre plantation in Ecuador, plus more than enough money in the bank.

We do not have one penny of debt and we have as much leisure as we choose.  We are free to work when we want and can decide when we want to slow down and relax.  We live where we like and most important, we arise from bed without an alarm, work without undue stress and have fun every day!  My wife, Merri, and I are our own bosses and do what we love and have learned that through publishing to sell, we can accomplish far more important goals, to gain self fulfillment and be of service to our community.  In short, we can help make ourselves and the world a better place.

What do you love?  Rare cars?  You can make a fortune publishing to sell in the genre you love.  Do you prefer fine art?   Or do you love beautiful jewelry, coins, gems, real estate, furs, model railways, dolls, scientific equipment, war memorabilia, old and rare books, or whatever?  Do you prefer social subjects rather than objects?  Are you concerned with the environment problems, with crimes, war, poverty?  Would you like to help wipe them out?  Each of these offers opportunity in publishing.  Are you a golfer?  Do you love to travel?  Why not make the kinds of money I’ve just mentioned publishing reports about golf courses all over the world?  Would you like to help the world be a more spiritual place, help people get along better together? You can do something good for the world, increase your income in the process and live wherever you please!  Whatever your passion learn how you can make a fortune by publishing information that sells-whether books, tapes or online.

Publishing to Sell can also be international so you can live anywhere and still earn everywhere.  This is especially valuable if you love to travel.  For example, one shrewd publisher realized that Panama was a great place to live so published information on Panama that sold real estate and seminars.  Other publishers reaped rich rewards selling information on their own country in others and vice versa.  For example, there is currently a huge growth in domestic tourism and self publishers are in a position to do something about it…by selling U.S. knowledge everywhere!

Merri and I, for example, lived in Europe for years, then fell in love with Ecuador for 15 years, but now in our 70s, we live in the US where we are closer to my mom, our children and grandchildren.  In each phase of our lives, the publish to sell business allowed us to move and live where we desired at that time.

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

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

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

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

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

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

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

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

For example, I showed how one friend, who never wanted to write and yet decided instead to publish on cassette tape.  He later switched to webinars.  He started part time and built a career that brought in millions and brought him to know some of the most interesting people.

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

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

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

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

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

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

I have created this course in an easy to understand style.  Everything is explained what to do in vivid detail.  We share all, how we have done it ourselves.  The course is full of publishing ideas and case studies.  You’ll learn about a pilot who published a book on the best airport cafes (suddenly all his flying became tax deductible!)  You’ll see how one couple who loved an island wrote a guide on the place and made enough to buy a home on the beach there.  Another made millions with one simple legal idea.  I give names, resources and addresses of contacts in marketing, printing, plus attorneys, accountants, Internet whiz kids who can give help.  This course is not theoretical.  It describes on a step-by-step basis, how Merri and I built a million dollar international business in just 7 years and how you can do the same.

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

I wrote earlier that I have previously exposed this idea only to my readers and never to the general public. I invited my readers to attend my first publishing weekend course. The fee was $2,000.  In a minute, you will see how to have this course for pennies on the dollar. (as little as $79.)  Merri and I conducted this course in Orlando, Florida and were delighted that 87 delegates signed up, paid and attended.  They came from all over-young couples working for an income, publishers, chiropractors, doctors, dentists, businessmen, investors, real estate brokers, inventors, airline pilots, engineers, millionaires and housewives. People from all walks of life.

This first course was an outstanding success and the raves from delegates you will read below show how satisfied the delegates were.  For example, one delegate, a publisher from California said:

“Your publishing course is outstanding! Just two hours of study on Sunday alone were worth more than the $2,000 price.”  (In a moment,  I will explain why you can have this course others paid $2000 for only $79).

An engineer from Ohio wrote, “Basically, I learned how to be a publisher, especially the selling and marketing implications. The course is absolutely worth $2,000!”

A retired railway worker from Michigan said, “Your course opened my eyes to the merits, profits, and prestige of becoming a publisher, particularly the idea of publishing in Canada for distribution in the U.S. (for total tax protection).” An employed couple from New York wrote, “We found the course interesting and informative. We were inspired to start work on a booklet. When we came down, we had no idea on what to publish.”

And an attorney from Germany stated, “What I like most is that it is a nuts and bolts course-not pie in the sky.”

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

Merri and I were overwhelmed at how much the course helped those delegates.  We felt so good that we decided to make it available to a larger audience.

So we did a recording when we conducted this course and also placed the course in written form online.

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

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

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

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

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

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

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

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

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

Who is This Course For?

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

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

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

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

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

This is a one year program. You receive a complete manual and then have access to an exclusive publishing updates provided by me, Merri and our webmaster, David Cross (who teaches the internet aspects of publishing).

These updates are an important part of the course because we continually get input from those who use the course and share ideas and contacts with all of the other publishers who have used it.  There is nowhere else where you can gain such a unique network of information and help.  This enhances what you learn from the course.

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

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

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

Though many readers have paid up to $2,000 for this course, you can start for only $79.  You could not duplicate the computer and Internet knowledge for $2,000.  It covers what you need to get on the Net, how to use the Web to publish, how to define your Internet market, how to develop your site, target your market and start getting visits, the top ten Internet tips to use, the top ten traps to avoid, and many other lessons our Webmaster has used in his 20+ years on the net.  In many cases your tax savings will be five to ten times the cost of the system alone, plus you will learn how to gain thousands of FREEBEES and earn hundreds of thousands a year.

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

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

Don’t miss this opportunity.  Enroll in the entire course for a full year for $299.

Our Guarantee

If you are not fully satisfied, you can cancel the course any time in the first quarter 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 over thirty years experience and are active in the publishing world every day.  We work with several of the largest internet publishers in the world and gain a continual flow of new experiences, ideas, tactics and strategies.  Your update lessons bring you the latest innovations that are being used in the publishing world right now.  This is a key to maintaining a continual flow of ever lasting residual income from you publications.

 

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

 

The Perfect Pension


The old economics of depending on life long  jobs, pensions and Social Security are on the run.

The technology driven global economy, demographics and debt are making the past economic thinking and promises suspect.

Job opportunities change more rapidly in the new economy.  Corporate longevity is increasingly vulnerable.  We see many examples of this fact here at our North Carolina farm.

In one nearby town (Kannapolis) Cannon Mills was famous for its “Cannon Towels”.

Formed in 1887, the company believed in cradle to grave job opportunity.  By 1997, due to low cost labor competition overseas, the company was losing money.  Cannon’s largest product buyer, Wal-Mart, encouraged the company to move production overseas.  The company refused to abandon its employees, was undercut by overseas competitors and went bankrupt.

Thomasville Furniture Industries another North Carolina business that also started around the end of the 1800s also tried to remain Made in the USA in the 1990s.  The CEO said  “We really do not want to close plants…. We’ve got great plants, great people. You can’t get them back if you close them.”

The dot.com bubble collapse of 2000 forced the firm to announce widespread layoffs at plants across North Carolina and the West Jefferson plant (our shopping town), which had been producing dining room chairs since the 1930s, was closed.  Thomasville imports grew 15 times from 1996 to 2000.

The number of home furnishing manufacturing jobs lost in North Carolina that year alone was over  2,000.

Whether employers wanted to keep workers or not, economic forces were beyond their control.

In this new economy, employees feel that companies lay off employees with little regard for loyalty or length of service.  Few businesses offered full benefits.  Employees are not expected to last so training and positions are reduced.

The upcoming generation of millennials have already adapted.  They do not expect corporate care and (ages 15 to 30) who have a different set of expectations about their careers, including the need to “be their own brand”.  They plan to change jobs frequently.

Long term jobs are just not secure any more.

Taking government jobs for benefits isn’t the answer either.  Take Detroit as an example.  When the city went bankrupt, retired Detroit employees accepted pension reductions for the promise of reduced pension checks for the rest of their lives.

The promise is based on payments that equal more than $500 million a year — more than twice the city’s annual municipal income-tax receipts in recent years.  The pension fund would need to have consistent investment returns, averaging at least 6.75 percent a year for the next 10 years.  This is unlikely so the promise probably cannot be kept as planned.

Public pensions everywhere are at risk. Twenty countries of the OECD have promised their retirees a total $78 trillion.  Much of this promise is unfunded.  That is almost double the $44 trillion total national debt of those 20 countries. These pension obligations do not show up as obligations on government balance sheets.

Corporate pensions (even those guaranteed by the US Pension Benefit Guaranty System) are underfunded and feeling the pressure to chase yield  to pursue higher-risk investment strategies that could ultimately undermine their solvency. Low interest rates have also caused problems for pensions.

In 2003, the Government Accountability Office added PBGC to its “High Risk” list of agencies and it remains there to this day. The PBGC’s financial future is uncertain, due in part to a long-term decline in the number of traditional defined benefit plans.  The 2015 report shows a net accumulated financial deficit of $61.8 billion an increase of over $26 billion in the last year plus estimated exposure to future losses for underfunded plans of $184 billion.

Even if the PBGC could meet obligations, most pensioners lose under the guarantee.  The maximum PBGC benefit for retirees aged 65 is $55,840.92. The younger a person, the greater the loss.

Fortunately many of the same forces that create these problems also create opportunity.

Broadband and internet marketing technology allows small businesses to zero in on the like minded souls most likely to want your product, service or publication.

This shift makes small better in business.  Instead of watching our lifestyle step down, we can step up the size of our businesses and watch profits rise.

We can see small winning out every day.  Even the biggest business giants are thinking small.  Wal-Mart for example recently announced that it would sharply slow openings of its superstores in the USA.  Sales growth is expected to be lower due to sluggish store traffic and currency fluctuations.  The company said that it will cut its capital spending as $1.3 billion, and shift its focus toward e-commerce and smaller stores.

Trading down has always been a retirement-planning staple.  Now the concept is better than ever before. Instead of trading down into a diminished lifestyle expand the joys of life.  Use writing to reach small audiences.  Create a pinnacle career through writing that brings income longevity.

As Merri’s and my lives have adjusted to the changes, technology has brought to economic and social opportunities everywhere, we spotted a special shift that makes Smalltown USA a special good value.

This is why I have begin working with Independence Monthly.  You can see the September issue of IM here.

Independence monthly

See how we created a great pension in Smalltown USA in last month’s issue of Independence Monthly show.  Click here. Independence Monthly Article

I recommend you learn more about special values of living and learning with Independence Monthly.  Click here for Independence Monthly details.

Gary

Civil War II – Another Reason for Trading Down


Over the last 50 years ( as of May 2016) I have been involved in global economic activity while residing either on US or British soil.  During that time I  have never seen quite as much polarity in the USA or in the UK.  It’s like Civil War II.  Why?

boris johnson

Boris Johnson

Donald trump

Donald Trump

Could it be hairdos?

The hair is probably not the point nor should it be.  The fact that mainstream media focuses on the hair and looks and other irrelevant information is more the issue.  In both the US and Britain huge tensions are being based around emotions created by unimportant information rather than on issues.  This makes Winston Churchill’s quote about voters all too correct when he said:  “The best argument against democracy is a five-minute conversation with the average voter.”

In the UK,  could it be that Brexit is the big polarizing conversation?  Should the UK stay in or opt out of the European Union?  If they exit, the most likely new Prime Minister will be Boris Johnson (who by the way is an American but last year said he was renouncing his citizenship).  I have been watching my family who live in England argue back and forth the merits of Britain in and out of the union.  As far as I can tell, they cancel each other’s votes. We should go fishing instead.

In the US is the polarity over The Donald?  Should he be in or out?  What an incredible, huge controversy!  In fact the divide is so wide that couples are breaking up according to the Wall Street Journal article “Till Death—or Donald—Do Us Part: Couples Spar Over Trump.  Discord over GOP front-runner is making some marriages rocky”. (1)  (More on marriages in a moment.)  Brothers against brothers, husbands against wives, just like in the Civil War.

I believe that one root of these tensions both in the US and UK is “Trading Down”.   Brexit and Trump are popular with the disenfranchised middle class who have seen the quality of their lifestyles erode as politicians and big businesses work together to make a few people, who prey on the middle class, rich.

One of many examples why the middle class should be angry is zero interest.  Banks like JP Morgan Chase, pay nothing on middle class savings.  But they still charge really high interest on credit cards.  The middle class lifestyle is being whittled down by losses on their savings and high payments on their debts.  Even though banks like this have been shown (and fined billions) to cheat their customers again and again, they have been given billion dollar bailouts of public money during hard times.  The CEOs in charge are still on the job.  What is worse is they are paid huge sums that seem to increase yearly.

For example, according to the Columbus Dispatch:  From 2009 into 2015 JP Morgan Chase paid $38 billion in 22 settlements.  For example in one settlement last year the bank agreed to pay $136 million to settle charges that it used illegal tactics to go after delinquent credit-card borrowers. (2)

Despite this, according to USA Today (3) JPMorgan Chase CEO Jamie Dimon received a $7 million dollar raise in 2015, even as Wall Street braced for more cuts to jobs.  Dimon, who ran Chase when he was paid $27 million in 2015, up from $20 million the year before.

This lack of accountability at the top and this type of unfair compensation makes honest, hard working Americans (and Brits) mad.

This trading down of values is true on the political scene as well.  Take Harry S. Truman as an example.  President Truman stated that he would never involve himself in “any transaction, however respectable, that would commercialize on the prestige and dignity of the office of the presidency.”

After his term, he lived modestly so he could get by on a $112.56 monthly Army pension and his savings.  It is said he saved as much as 20 or 25 percent of his $75,000 annual compensation (from April 1945 to January 1949, and $100,000 thereafter).

Truman’s net worth was estimated to be $750,000 so only his prudent retirement planning and modest living habits provided for an adequate retirement.

The Clinton family on the other hand who had a negative net worth when Bill Clinton left the presidency (due to legal fees related to the Monica Lewinsky affair) made more than $30 million since January 2014 and have, according to financial filings) between $5 million and $25 million invested in a JP Morgan Chase cash account.  They also have between $5 million and $25 million invested in a Vanguard 500 index fund.

When middle class Americans (or British) see those who should be serving them, taking advantage; they become angry, especially when the middle class lifestyles are being eroded.   This may explain why warnings about Trump from political leaders, such as Romney, do not go far.  The public simply no longer believes anyone.

A big cultural shift in marriage is another reason for “Trading Down” in the middle class.

Tension in politics may be stressing some marriages, but the changing nature of marriage is also contributing to “Trading Down”.  In the 1950s men sought homemakers, and women sought breadwinners.  But as women’s roles changed people marry others they enjoy spending time with, and that tends to be people like themselves.  An Economist article (4) provides an analogy: “In 1950s The Don Drapers of the world used to marry their secretaries. Now they marry fellow executives, who could very well earn more than they do.”  This is called “Assortative Mating”.  People marry people like themselves, with similar education and earnings potential and the values and lifestyle that come with them.

With more marriages of equals, reflecting deep changes in American families and society at large, the country is becoming more segregated by class.

“Husbands and wives had different roles in different spheres, so that was the opposites-attract view of marriage.” Today you want people with shared passions, similar interests to you, similar career goals, similar goals for the kids. People who are married tend to be more advantaged, and on top of that, more advantaged people are marrying people like themselves, so those people tend to be doubly advantaged.”

“Trading Down” is a great unsettling change.

The Brexit and Trump arguments are symptoms of such a change in the Western World that we could call it Civil War II.   I nor anyone knows how it will turn out, but there are practical ways to make sure that we are not ruined by the battle.

One of the most important steps is to seek value.  For example the UK and US political struggles have the potential to bring bad and good.  As investors, the Golden Rule of Investing #1 “There is always something we do not know” applied.

However the UK Stock Market reflects the risk where as the US market does not.  Look at these figures from a recent lesson about value investing in our Purposeful investing Course (Pi).

Both the US and UK face many unknown factors.  The UK market reflects these risks.  Look at the fundamentals.  According to the analysis of Keppler Asset Management shares in the US market are selling at a premium of 1.29 times book value. The UK market is selling at a discount of  .80 times book value.  The overall US PE ratio is 1.08 compared t0 .84 and the average dividend yield of the US market is .84%. The UK is almost double at 1.62%.

Keppler Asset Management analysis

Compare it to the UK.

Keppler Asset Management analysis

Both markets offer great long term opportunity with great short term risk.  The UK has a good risk reward ratio.  The US does not.  Is one guaranteed to rise more than the other?  No one knows but the Top Value strategy we research in our Pi course shows that investing into a diversified equally-weighted combination of top value markets during times of turmoil and tension offers the highest expectation of long-term risk-adjusted performance.  This is the best way to protect against risk and increases the odds for profit.

Gary

(1)   http://www.wsj.com/articles/till-deathor-donalddo-us-part-couples-spar-over-trump-1456362831

(2) http://www.dispatch.com/content/stories/business/2015/07/16/fine-despite-fines.html

(2) http://www.usatoday.com/story/money/2016/01/21/jpmorgan-ceo-gets-pay-raise-35-27m/79132018/

(4) http://www.economist.com/news/united-states/21595972-how-sexual-equality-increases-gap-between-rich-and-poor-households-sex-brains-and

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

 

 

 

 

 

Important Clarification


Last week numerous readers sent notes of this nature.

Gary,  Just read your very long article on “Trading Down and Floods. Maybe I am just not as quick as I used to be …..it seems you have changed your outlook drastically during the last several months. You “seemed” postured for a long bull market. I stuck my toes in the ETF ideas of foreign markets…to date a little,disappointed.  Now you seem to be warning of impending doom. What gives?

Here is an important economic clarification.   My goal is to keep our free daily message concise, short & easy to read.  Thus I often spread out one point over several messages.  I also know that when long messages are received, the entire message is not read.  Third, I also know that right now most readers are receiving a lot of doom and gloom emails from many sources. So let me summarize the messages sent this last week.

First, I wrote:  Some of my friends who have been in the same global business as long as I have think ATMs won’t work, credit cards will be denied and banks will be shut, taken over by some  government agency. Gas stations will run dry, store shelves empty and it’s even suggested that stock markets will close and Social Security will default.   I do not think events will be this dramatic, but this could happen.  I don’t think events will be seem this dramatic, but this could happen.

Somehow many readers seemed to have missed this two words DO NOT.   Perhaps they read I think events will be this dramatic, this could happen.  Those two words DO NOT are pretty important.

I also wrote:  However, I believe that the correction will be softer.  We’ll see a growing inequality of purchasing power instead of a complete and sudden shutdown.  There will still be money, still be gas, still be banks, still be food in the stores.   The quality will just be less and many won’t be able to buy as much.

The key in my messages was:  Now 30 years later, in 2016 the confluence of three financial rifts could unleash one of the greatest economic jolts  in history and make this a truly significant Ides of March. 

I did not say that events will be good for everybody.  I wrote:  I’m sending this note because we’re about to see a major 30 year distortion finally unleash.  The backlash could do enough damage to ruin millions of investors and wipe out the standards of a huge chunk of the middle class.

But then I added:  Fortunes will be made as well

The gist of my messages last week is:

#1:  The world goes through cycles of war that cause economies to rise and fall about every 30 years.  The economy rises for 15 years, then falls for 15 years.  We are at or near the end of a 15 year downturn.

#2:  Near the end of each downturn, there is a war or intense struggle.   These struggles included WWI, WWII, the Cold War (WWIII) and the war on terror or the cyber war may be the equivalent to WWIV.

#3:  At the end of the downturn, just before we see a roaring 15 year economic upswing, there is a serious economic downturn that fools the masses into thinking there is an apocalypse.   We may see such a crash, that fools the masses and wipes out millions, right now.

#4: I DO NOT think there will be a complete financial meltdown, though it is not out of the picture.  I believe there will a steady decline in purchasing power for the middle class.  A few of the standard benefits of modern life will no longer be affordable.  Vacations can become a luxury affordable for only a few.  New vehicle purchases will end for most.  Debt pay off will be unthinkable.  Credit card debt could  create a form of slavery for the majority middle class.  Borrowers will be charged high interest, but the same banks that lend will pay next to nothing on savings accounts.  There won’t be any cash left for emergencies and building up any retirement savings will be just unimaginable and not very useful anyway.   Medical care will deteriorate even further.  Many could die in waiting rooms and regular dental work could become a dream from the past.

#5: Inventions from the intense struggle at the end of the cycle are brought into the domestic economy after the war and have the potential to totally change the world.

#6: The changes create destructive evolution that ruins many who adhere to old technology and do not embrace the new.  The evolution creates fortunes for those who embrace the newSuccess or failure is not based on the cycles but how we each react to events within the cycle.

#7: Using the downturn to accumulate good value equities pays off when the cycle once again turns upwards.  The upwards turn is not far away.

In other words, we could see a big downturn at any time.   The crash will create value based bargains for those who realize this is the best time in 30 years to look for distortions, contrast and trends.  This may be the best time to accumulate bargains and invest in good value, when the millions who will be wiped out cut their positions and run.

I hope this message helps clarify the whole picture that has formed for me over the past 50 years I have been writing, talking, investing and doing business globally.  To sum up this summary:  Economic expansions and contractions come and go on a reasonably predictable basis.

Success or failure does not come from the cycles, but comes from how we react to events within the cycle.

Gary

Merri and I hope you’ll join the International Club so we can work closely with you this entire year. Please see why in this message below that we sent to you last week.

Make Safe More Profitable With the Silver Dip

May 2017 will be my 51st anniversary of being in the investment & finance business.  This is the 49th year since I started talking about international investing, (I started a Hong Kong mutual fund business in May 1968).

Since that time, my investing goals have been based around spotting contrasts and trends.

One current trend is that the valuations of US shares are dramatically overpriced  in every fundamental way.   The Morgan Stanley MSCI Index USA currently sells for 2.81 times book value, compared to the MSCI Europe Index that sells for 1.68 times book value.   The US PE Ratio is 21.2 versus 18.2 in Europe and the average US dividend yield is 2.15% versus 3.69% in Europe.  Shares in Europe on average are a far a better value.

When you use a long time dimension and diversify correctly, investing in value such as this has always created the highest profits and greatest safety.

I use this strategy because using a value strategy also takes the least work and has the lowest stress!

Then I look for ways to add spice and extra profit short term distortions.

For example in 2015 I spotted two distortions.  They were contrasts that  had reaped huge rewards for me and many of my readers 30 years ago.  I quickly issued two reports, one for each trend.  After a  year one of the distortions has already returned 210.58% in the last year.

A new contrast has even more potential in 2017.

One of the reports released, “Silver Dip 2015” looked at potential profits in silver because when the US stock market falls, the price of gold and silver rise.  I have been a gold bug for almost 50 years and spotted this fact long ago.

The “Silver Dip 2016” report reviewed a way to profit from silver and gold because of a mathematical, historical fact.  When the silver/gold ratio rises over 80, silver is more likely to rise than gold.  That ratio is even higher now than it was in 2015 so silver may not create the extraordinary profits this year.

The “Silver Dip 2017” offers a new ideal speculation.

The second distortion, explained below, has greater long term potential and all but guarantees short term profits in gold, silver and the currenct hot speculation.

There is no question that a long term correction is coming.  Only the full timing can be in doubt.  The question we must ask is, “Could the big break come in 2017 and could it break upon us right now?”  The answer is “Yes”.  When the bubble bursts, it can cause the perfect economic storm that makes a few investors, who are ready, rich.

I have been warning readers about this stock market correction (and how to profit instead of lose), since  January 28, 2015.

Zero interest is the sucker punch that can devastate millions of investors.  This is a Ponzi scheme where governments rob money from the future and spend it badly in the here and now.  Each downward economic wave of the last 30 years has created a larger mountain of debt that brings the world closer to an economy where there is no more future money to steal.  The only way governments can afford to borrow more is to take it for nothing.  That’s zero interest.  In worst case scenarios, governments can charge you to borrow your own money.  In Europe some bonds now have negative interest.

shouldn’t pay us anything.  Even worse they could charge a negative interest rate on our bank accounts and lock our money into the system.  The alternative is to invest in a risky, over priced stock market and morbidly weak currency.

Over priced stocks and an over priced US dollar are the third sucker punch!

To date we have been able at least to choose where and in what currencies we invest.  This is where we encounter the one-two-three punch.  The zero or negative interest rate destroys the purchasing power of our savings.  Capital controls lock us into a weak currency or market so we cannot take profits or protect our purchasing power from this inflation and currency loss.

Our savings, pensions and wealth can be floored by a combination of a falling stock market, crashing US dollar and inflation.

The purchasing power of the US dollar will fall.   Trading down is working in many ways.  Even if  pensions can pay what they have promised, the money in dollars won’t buy as much.  Coffee isn’t free with meals.  Many ordinary foods (tomatoes, peppers, almonds and walnuts as an example) and yes, maple syrup become luxuries.

Social Security won’t be as useful either, if it is paid at all.  Could Social Security really default?  The answer is “Yes, it could”.  An October 8, 2013 Reuters article at finance.yahoo said:  “President Barack Obama warned last week that Social Security benefits might not go out ‘on time’ if Congress does not raise the debt ceiling.  Should seniors and disabled Americans really be worried about their benefits if the U.S. government runs out of borrowing capacity later this month?  The answer is YES.”

I can make these predictions based on 30 year trends because I have been writing and teaching global investing for almost 50 years.  Long term experience helps me spot distortions and cycles that have been building for even as long as 30 years.   This experience has helped me steer my readers in the right direction again and again.

I invite you to join me and a small selective group who for the next year will participate in an intensive program called the Purposeful investing Course (Pi). The purpose of Pi is finding value to protect our savings, pensions, income and wealth from these two devastating economic conditions.

I’ve been watching this 30 year distortion take shape and believe that 2017 could very well be the year of a huge shift.

Slow, Worry Free, Good Value Investing

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

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

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

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

#1:  Current book to price

#2:  Cash flow to price

#3:  Earnings to price

#4:  Average dividend yield

#5:  Return on equity

#6:  Cash flow return

#7:  Market history

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

This is a complete and continual study of what to do about the movement of international major and emerging stock markets.  I want to share this study throughout 2017 into 2018 with you.

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

A country ETF provides diversification and cost efficiency by spreading one simple, even small investment into a basket of equities in a good value stock market.  The costs are low and this type of ETF is one of the hardest for institutions to cheat.  Expense ratios for most ETFs are lower than those of the average mutual fund.

Little knowledge, time, management or guesswork are required.  The investment is simply a diversified portfolio of good value indices.  Investments in an index are like investments in all the shares of a good value market.

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

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

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

The circumstances that created fortunes 30 years ago were an overvalued US market (compared to global markets) and an overvalued US dollar.  The two conditions are in place again!   There are currently ten good value (non US) developed markets,  plus 10 good value emerging markets.

Pi shows how to easily create a diversified, worry free portfolio in some of these good value markets using Country Index ETFs.

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

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

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

This report sells for $29.95 but you’ll receive the report, “Three Currency Patterns For 50% Profits or More” FREE when you subscribe to Pi.

Plus get the $39.95 report, “The Silver Dip 2017” free.

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

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

I updated the special report now “Silver Dip 2017” about a leveraged speculation that can increase the returns in a safe portfolio by as much as eight times.  The purpose of the report is to share my 30 years of experience speculating and investing in gold and silver.

The low price of one commodity offers special value now so I want to send you this report because the “Silver Dip 2017” reveals how to gain enormous profit potential in the year ahead.

Save $428.95 If You Act Now

Subscribe to the first year of the Personal investing Course (Pi).  The annual fee is $299, but to introduce you to this online course that is based on real time investing, I am knocking $102 off the subscription.  Plus you receive FREE the $29.95 report “Three Currency Patterns For 50% Profits or More”, the $27  report “Silver Dip 2015” and our latest $297 online Value Investing Seminar for a total savings of $428.95.

Triple Guarantee

Enroll in Pi.  Get the first monthly issue of Pi and the report “Three Currency Patterns For 50% Profits or More” and the online Value Investing Seminar right away. 

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

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

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

#3:  I guarantee you can keep “Three Currency Patterns for 50% Profits or More” and “Silver Dip 2015” plus the Value Investing Seminar as my thanks for trying.

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

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

Gary

 

 

Meet the New Farmer


Worried about running out of money?  Think instead about running out of purchasing power.  Low interest rates and risky markets combined with inflation for foods and services that are robbing our standard of living.   See how to protect against this loss by understanding a most basic economic fundamental.

silver

Silver protects purchasing power.  So do replacing farmers.

The original fuel for the industrial revolution was farmers.  The fastest way business has increased productivity in an economy has been to take farmers from the field and put them in a factory.  This requires little energy and a subsistence farmer does not have to earn much to be better off than before.  They can greatly increase their productivity at very little cost.

The factory trained farmer helps to keep labor costs in manufacturing low.

The economy has become increasingly global due to this fact, because shipping is more inexpensive than labor.  Poor Chinese farmers can make as good a shoe as a rich western factory worker… for much less.  A poor Mexican farmer can grow as good a tomato as a wealthy US farmer… for less.  A poor Vietnamese farmer can make a shirt for less than a Chinese worker, etc.

China, one of the great sources of poor farmers, is running out of farmers to take from the field.  Chinese farmers, already in factories, want more.

A shortage of farmers and the nature of all expansions has caused China’s economy to slow down.  The slowdown has created havoc in China’s stock market.  The havoc has created fear in other stock markets around the world.

There is one more complication added to this human energy drought.  Economies always shift from manufacturing to service economies as they evolve.  As people become richer, they soon have enough things.  Demand shifts from goods to services and most services cannot be as easily exported across even short distances.  Can you imagine flying in a Chinese therapist just to give you a massage, or getting an Brazilian server to come up for the evening to serve your meal?

The growing shortage of farmers has been a factor in “Trading Down”.

A new way businesses keep labor costs low is by hiring part time workers (without benefits) and manipulating their work schedules.  This keeps employment high but reduces the purchasing power derived from such jobs.

Older people are also replacing farmers as lower cost labor.   The U.S. unemployment rate recently fell below 5%.  This should cause wages to rise but has not because older men and women are leaving the workforce more slowly than in the past.  This can create a larger supply of labor.  This creates employee slack.   Idle worker capacity is known as slack.  This is when there are many more people than available jobs.  Slack keeps wages low.  When employers face a shortage of workers, wages rise.  That must be tightened  before discouraged younger workers can be employed and wages can rise more broadly.

Older Americans are on average better off financially than the previous generation even after adjusting for inflation, but this is due to “Trading Down”.  The better finances are created by two-income households, pensions in a high but risky stock market instead of  safer interest yielding bonds and higher house prices that are often hard to maintain.

While our older generation has improved finances, net worth for households headed by adults 35 and younger has dropped 28% over the same period.  The younger generation is hurt more by “Trading Down”.

Those who are getting ready to retire also feel the pinch because they have not been able to rebuild their savings to the pre 2007 level of more than five times their annual income.   That ratio fell to less than three times income during the recession.

Debt is still a problem at all levels of middle class America, up almost double from two decades ago.  High interest on credit card debt and zero interest on bank savings makes it hard to get ahead.

Older Americans are working as long as they can.  Many have lost their jobs, their home and savings after the financial crisis and are seeking jobs at later ages than any previous generation.  This is especially true of women who live longer than men. Due to a wage gap, they have less accumulated wealth.

In 1992, one in 12 women worked past age 65.  Now one in seven women work past age 65.

Older men and women moving their retirement expectations are replacing farmers moving off the farm as the new fuel in the global economy.

This “Trading Down” creates opportunity for those who see the evolution.  Let’s look for distortions that create value.

See three ways to cash in on distortions:

#1: Use the Silver Dip 2016

#2: Extend Your Wealth

#3: Reduce Health Care Costs

Gary

Gain From Pandemics – Riots & Election Volatility

On top of the pandemic… and the riots, another election on its way… all the robo calls from politicians… the dirty tricks and the innumerable amounts of nonsense this vital process brings.

However America’s politics turn out, one thing is sure, there will be volatility in stock markets during the election process.

The first reason markets will bounce has nothing to do with politics or policies.   A market correction was due regardless of the party or the person in office and COVID-19 was a pretty good excuse for it to suddenly drop.  Expect plenty more volatility.  Whether the economy recovers slowly or quickly, history suggests that the US market will do a lot of moving up and down.

Second the new politics has created an uncertain era.  Everyone has been shaken over the past three years whether they are pleased with the government or not.

Nothing frightens markets like uncertainty. 

What more could we ask for… an uncertain COVID-19 future and riots in 30 major cities.

Well interest rates could be a dark horse.  I the massive government handouts create inflation, interest rates will rise and rising interest rates will push stock market prices down.

Despite these pitfalls, there is a way to profit using the strong US dollar and undervalued non dollar stock markets to pick up good value shares.

During nearly five decades of global investing I have noticed found that good value strategies are the best way to profit long term, through good politics and bad.  The steps to take are simple.

The first tactic is to seek safety before profit.

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

This research shows that the stocks Buffett chooses are safe (with low beta and low volatility), cheap (value stocks with low price – to – book ratios), and high quality (stocks of companies that are profitable, stable, growing, and with high payout ratios).

The second tactic is to maintain staying power.  At times Buffet’s portfolio has fallen, but he has been willing and able to wait long periods for the value to reveal itself and prices to recover.

A 45 year portfolio study shows that holding a diversified good value portfolio (based on a  good value strategy) for 13 month’s time, increases the probability of outperformance to 70%.

However those who can hold the portfolio for five years gain a 88% probability of beating the bellwether in the market and after ten years the probability increases to 97.5%.

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

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

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

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

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

What do we do when we are not Warren Buffett?

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

Enjoy Extending Wealth

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

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

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

Slow, Worry Free, Good Value Investing

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

Spanning the Behavior Gap

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

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

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

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

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

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

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

#1:  Current book to price

#2: Cash flow to price

#3: Earnings to price

#4: Average dividend yield

#5: Return on equity

#6: Cash flow return.

#7: Market history

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

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

A country ETF provides diversification and cost efficiency by spreading one simple, even small investment into a basket of equities in a good value stock market.  The costs are low and this type of ETF is one of the hardest for institutions to cheat.  Expense ratios for most ETFs are lower than those of the average mutual fund.

Little knowledge, time, management or guesswork are required.  The investment is simply a diversified portfolio of good value indices.  Investments in an index are like investments in all the shares of a good value market.

Pi matches this mathematical certainty with my fifty years of experience. This opens insights to numerous long term cycles that most investors miss because they have not been investing long enough to see them.

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

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

The circumstances that created fortunes 30 years ago were an overvalued US market (compared to global markets) and an overvalued US dollar.

The two conditions are in place again!  There are currently ten good value (non US) developed markets,  plus 10 good value emerging markets.

Pi shows how to easily create a diversified, worry free portfolio in some of these good value markets using Country Index ETFs.

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

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

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

This report sells for $29.95 but you’ll receive the report “Three Currency Patterns For 50% Profits or More” FREE when you subscribe to Pi.

Leverage

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

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

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

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

Here’s 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.  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.

You also receive a 100+ 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 of all 46 markets.

This year I will celebrate my 52nd anniversary of global investing and 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 the Pi course.

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%.

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 $124.50 off the subscription.

Guarantee

Enroll in Pi.  Get the basic training, the 46 market value report and access to all the updates of the past two years, plus all new updates over the next year.

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 in the first two months for a full no fuss full refund.

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

Due to the COVID-19 pandemic we have cut the subscription to $174.50.  You save $124.50!

Then because this global recovery from the pandemic is going to take years, we’ll maintain your subscription at just $99 a year rather than $299.  Your subscription will be autorenewed in 2021 at $99, though you can cancel at any time.

Click here to subscribe to Pi at the discounted rate of $174.50

Subscribe to Pi today and you get a year’s subscription to Pi now, get the 130 page basic training, the 120 page 46 market value analysis, access to over 100 previous Pifolio updates, plus begin receiving regular Pifolio updates throughout the year.

Gary

(1) www.nyti

 

 

The Global Economy Trades Down – Part IV


See your profits rise as the global economy trades down.

The largest economic wave in the history of mankind has begun.

This seven part series is looking at why this financial and business restructuring around the world will help US and Ecuador real estate appreciate as it shifts fortunes… make many richer… others poorer.

We can view an Ecuador property in each part of the series.  See today’s property in Crucita below.

First, let’s look at the 7th and 8th reasons why US and Ecuador real estate will be stronger.

#7: The US Innovates and Embraces Risk

We saw in the third part of this series that America is the bread basket of the world. Farming benefits from innovation and this is where the USA excels.

The US is famous for Yankee ingenuity, investing venture capital and accepting failure.

Times of great change (like now) require new solutions that create previously unimagined opportunities.

Yet we must face the burdens (and delights) of the future armed with educations created by the old ways.

Imagine putting old solutions to new problems.  What if Bill Gates had tried to develop a more efficient paper filing system?  Picture Jeff Bezos trying to develop a better land based supermarket instead of Amazon?   Would Larry Page and Sergey Brin had the same success if they had developed  a more efficient paper telephone book instead of Google or Sabeer Bhatia a more efficient AOL instead of Hotmail?

They may have failed.  At best… they might have modest success.  By finding new solutions to circumstances created by change, each built a fortune.
 

#8: This leads us to see another American strength… being such a multinational nation.

The USA is a nation of immigrants… so as the global economy unfolds… it is better able to adapt to a multi cultural approach.

Look at the names of the American great innovators above again… Bill Gates…  Jeff Bezos… Larry Page… Sergey Bringreat…  Sabeer Bhatia.

As Newsweek put it in an article:  Americans like to think there is something about their culture that’s especially conducive to innovation–the open geography and frontier spirit; a flexible economy with limited interference by government; the Protestant work ethic; an immigrant workforce, constantly renewed by the next generation of talent from around the world. Other countries can perhaps emulate some of these traits, but none can replicate the creative cocktail that is America.

Here are a few American innovations this decade. Look at the creators’ names.

2001 Microwave Anisotropy Probe. A microwave anisotropy probe, or Wilkinson Microwave Anisotropy Probe, measures the temperature of the Big Bang’s remnant radiant heat. Conceptualized by Professor Charles L. Bennett, the mission was a joint project between the NASA Goddard Space Flight Center and Princeton University.
 

2001 Artificial Liver. As the world’s first artificial liver which serves as a “bridge” between a damaged liver and a donated liver permanently transplanted into a human being, the artificial liver is an external device which also enables damaged liver to heal or recuperate until a donor can be found and transplanted. Dr. Kenneth Matsumura.

2002 SERF. A spin-exchange relaxation-free (SERF) magnetometer achieves very high magnetic field sensitivity by monitoring a high density vapor of alkali metal atoms precessing in a near-zero magnetic field. SERF magnetometers are among the most sensitive magnetic field sensors and in some cases exceed the performance of SQUID detectors of equivalent size.  Michael V. Romalis.

2003 Fermionic condensate. A fermionic condensate is a superfluid phase formed by fermionic particles at low temperatures. The first atomic fermionic condensate was invented by Deborah S. Jin.

2007 Nanowire battery. A nanowire battery is a lithium-ion battery consisting of a stainless steel anode covered in silicon nanowires. Silicon, which stores ten times more lithium than graphite, allows a far greater energy density on a steel anode, thus reducing the mass of the battery resulting in energy conservation and cost savings. Chinese-American Dr. Yi Cui.
 

2008 Bionic contact lens.  A bionic contact lens is a digital contact lens worn directly on the human eye which in the future, scientists believe could one day serve as a useful virtual platform for activities such as surfing the World Wide Web, superimposing images on real-world objects, playing video games for entertainment, and for monitoring patients’ medical conditions.  2008 creation of Iranian-American Babak Parviz.

2009 Composite aircraft. The Boeing 787 Tom Cogan, chief engineer and designer.

Great inventions and innovations from Americans whose origins reflect how this country has always welcomed new waves of immigrants bringing new ideas, new energy and expanded horizons.

Americans and Seminars

Merri and I have enjoyed a terrific seminar business for over 30 years.  We serve mostly small American business people. We could  not have such a business in Europe. I know. I tried.  Europeans are not as willing to pay for adult education.  When we marketed in Europe we had to market to businesses who would pay for their employees.

Americans have been and remain eager to learn and improve themselves. This urge to achieve and innovation along with a falling dollar are a formidable combination of strengths.

Tomorrow’s message is our Saturday Q&A.  We’ll see Part V of this series on Monday. Don’t miss it.

Gary

This seven part series is formed from excerpts of one small part of my latest report Running Risk – How to Profit in Risky Times.



Today’s Ecuador real estate is on the beach.
crucita-house

Belong to the International Club

The Huge 2020 Risk

Here is a huge risk that could explode in 2020.

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

According to Treasurydirect.com, (1) as of December 26, 2020 the total US public debt was 23 trillion and 845 billion dollars.

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

Rising interest rates create a massive problem for every American.

treasury direct

Look at how the interest costs alone have risen to over a half trillion dollars a year.

treasury direct

 

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

The $7 Trillion Error.

They sure goofed on that.  Here we are… only in 2020 and debt has shot past 23 trillion.

How could the CBO be so wrong? 

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

For example, US Federal government interest last year amounted to around $573 billion.  Yet in 2008 on debt of only $9 trillion +  the interest that year was $451 billion +.

Interest payments in 2017 were 27% higher than they were in 2008.  Yet the debt is over 250% higher.  

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

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

Rising interest rates, will create an almost unimaginable debt crisis.  If government interest doubles it is like the $23+ trillion national debt  rising to 46 trillion!  Unless there are some huge tax increase the interest payments are not sustainable.

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

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

Let me share the basics of this data and how we can be of help through 2020.

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

Merri and I have made seven huge transitions in the 50 years.  Each has allowed us to always stay ahead of losses that the majority of Americans suffer.  We are in another transition right now and want to share why and what to do so you can stay ahead and live a richer, independent life through 2020 and beyond.

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

While the Dow Jones Industrial Average passed a record high, the U.S. national debt passed the $20 trillion mark.

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

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

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

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

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

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

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

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

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

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

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

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

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

What can we do?

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

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

#1:  Global micro business income.

#2:  Low cost, natural health.

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

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

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

Join us for all of 2020 NOW.

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

We start with better lower cost health care.

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

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

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

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

I have created three natural health reports are about:

#1: Nutrition

#2: Purification

#3: Exercise

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

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

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

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

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

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

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

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

There are seven layers of tactics in the Pi strategy.

Pi Tactic #1: Determine purpose and good value.

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

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

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

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

Pi Tactic  #6: Add spice speculating with leverage.

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

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

#1:  Current book to price

#2:  Cash flow to price

#3:  Earnings to price

#4:  Average dividend yield

#5:  Return on equity

#6:  Cash flow return

#7:  Market history

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

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

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

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

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

The Pi subscription is normally $299 per annum but as a club member you receive Pi at no charge and save an additional $2299.

Profit from the US dollar’s fall.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Save when you become a club member.

Join the International Club and receive:

#1: The $299 Personal investing Course (Pi).   Free.

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

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

#4: The $39.99 report “Platinum Dip 2019”. Free

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

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

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

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

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

Gary