Tag Archive | "us dollar"

A “Get Paid to Borrow” Mortgage


What happens when interest rates dip below zero?

Recent messages at this site looked at how Danish government bonds now pay a negative interest rate.

enr asset management

The low government bond rate has filtered through into the Danish banking system.

Our Danish friend Thomas Fischer recently wrote: Hi Gary,

Mortgage rates on condos in Copenhagen dropped to a new low inJuly 1.  Look at the 5 years fixed interest rate.

Interest rate:                                                          minus 0.40%

Administration costs:                                          0.75%

Total borrowing costs for 5 years:      0.35%

That’s a nice deal.

Low dollar rates have kept US mortgages at low rates as well, but not that low!

Thomas also sent the valuable information below about how lowering US dollar interest can create overseas opportunity.

Time to diversify overseas.

The Congressional Budget Office (CBO) has just published its 2019 Long-Term Budget Outlook.

By the end of this year, federal debt held by the public is projected to equal 78 percent of gross domestic product (GDP)—its highest level since shortly after World War II.  If current laws generally remained unchanged, growing budget deficits would boost federal debt drastically over the next 30 years, the Congressional Budget Office projects. Debt would reach 92 percent of GDP by the end of the next decade and 144 percent by 2049 .

Consequences of High and Rising Federal Debt If federal debt as a percentage of GDP continues to rise at the pace that CBO projects it would under current law, the economy would be affected in two significant ways:

• That debt path would dampen economic output over time, and

• Rising interest costs associated with that debt would increase interest payments to foreign debt holders and thus reduce the income of U.S. households by increasing amounts.

That debt path would also pose significant risks to the fiscal and economic outlook, although those risks are not currently apparent in financial markets.

The last remark from CBO indicates that the financial markets have not yet reacted to the threat of increased debt and lower economic growth. We could be on the cusp of a huge investment opportunity for US investors as the focus shifts from US equities to European/German equity markets. If the USD also, as a consequence of the dire economic outlook, continues its current weakening US investors with non-USD investments could be in for a win-win situation.

The German DAX Index, along with most other markets around the world, has severely lagged New York since March 2009. In dollar terms, the iShares Germany ETF (NYSE-EWG), which closely resembles the blue-chip DAX Index, has gained just 5.43% per annum over the past ten years compared to 16.50% per annum for the SPDR S&P 500 ETF (NYSE-SPY). That’s a huge difference. It’s almost the same story for other bourses overseas, especially as the dollar has remained strong since late 2011. The bottom line: the majority of international markets have performed poorly in dollar terms over the past three, five and ten years while Wall Street has skyrocketed. The last time foreign markets trounced the S&P 500 Index was back in the early 1990s until 1995 when the U.S. bull market took-off. Major and emerging markets earned big returns from 1988 to 1994 and earlier in the mid-1980s. That period of outperformance will return.

German equities have been beaten up for more than a year. The seemingly endless travails of Deutsche Bank AG (DAX-DBK) and the latest blow to chemicals group Bayer AG (DAX-BAYN) highlight the cracks in some of the country’s best-known corporate names. But Swiss bank UBS believes it may finally be time to give Germany a break. Since the start of 2018, German stocks have been comfortably the worst performing in Europe, lagging major markets in the rest of the region by about 9%, UBS notes. That means stocks from this supposed euro-zone economic powerhouse, which led the rest of the continent in the immediate aftermath of the financial crisis, have trailed even behind those of the Brexit-hobbled UK.

Fed Rate Cut in 2019 Points to Lower Dollar

After a blistering rally off the late 2011 lows, the U.S. dollar is poised to finally weaken ahead of an imminent interest rate cut currently in the process of being discounted by financial markets. With May payrolls up just 75,000, markets have begun to discount a possible July Fed rate cut. The dollar has also started to soften this week, down more than 1.5% and the biggest weekly decline in months. The last time EURUSD broke its 200-day moving average, it rose from 1.08 to 1.25 equaling a USD weakening of 15%.

I have worked with Thomas for nearly two decades, first at Jyske Bank and now at ENR Asset Management.  ENR are one of the few SEC registered investment advisors that can help investors manage their portfolios at Swiss and Austrian banks.

ENR Asset Management offers a range of non-USD managed investment strategies from only USD $100,000. If you would like to hear more about our products and services feel free to contact Thomas Fischer at thomas@enrasset.com.

Gary

The Only 3 Reasons to Invest

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

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

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

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

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

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

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

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

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

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

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

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

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

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Michael Kepler CEO Keppler Asset Management.

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

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

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

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

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

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

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

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

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

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

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

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

There is an iShares country ETF for every market.

How you can create your own good value strategy.

I would like to send you, on a no risk basis, a 130 page basic training course that teaches the good value strategy I use.   I call this strategy Purposeful Investing (PI).  You learn all the Pi strategies, what they are, how to use them and what each can do for you, your lifestyle and investing.

You get this course when you enroll in our Purposeful Investing program (Pi) with a triple guarantee.

Triple Guarantee

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

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

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

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

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

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

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

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

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

You also receive two special reports.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

seminars

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

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

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

stock-Charts

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

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

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

Details in the online seminar include:

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

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

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

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

Use time not timing.

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

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

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

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

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

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

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

Save $468.90 If You Act Now

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

ecuador-seminar

Triple Guarantee

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

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

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

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

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

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

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

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

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

Gary

 

 

 

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


Money is the biggest cause of stress in America today.

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

stress

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

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

Why does stress damage?

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

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

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

This problem grew worse in 2014 because of inflation.

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

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

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

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

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

This created more stress.

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

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

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

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

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

nyt.com

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

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

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

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

yahoo.com

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

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

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

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

wiki

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

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

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

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

keppler asset management

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

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

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

keppler

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

Gary

Borrow Low – Deposit High

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

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

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

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

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

Let’s take a look why.

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

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

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

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

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

Everyone was afraid of investing in silver.

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

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

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

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

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

The profit did not stop there!

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

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

Do the math: 

Silver worth $42,185

Loan payoff  $14,000

Profit             $28,185

Cash Required  Zero

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

The $28,185 was pure… extra profit.

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

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

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

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

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

My readers did not.

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

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

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

The “special silver pricing position” reappeared.

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

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

The report paid off again.

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

yahoo

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

The profit did not stop there!

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

yahoo pound chart

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

Do the math: 

Silver worth $20,421

Loan payoff  $13,900

Profit             $6,521

Cash Required  Zero

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

Again this was pure… extra profit.

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

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

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

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

Isn’t there some risk?

Yes.  There is always risk when you invest.

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

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

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

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

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

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

The benefit of 50 years experience.

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

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

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

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

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

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

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

The time is now.

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

We are stalking precious metal opportunity now.

The trap is set. We are waiting…

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

You can order the Silver Dip 2019 here for $39.95

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

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

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

You can order the Silver Dip 2019 here for $39.95

Gary

 

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

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

Dollar Danger


Social Security runs out of surplus this year.

A recent Wall Street Journal article, “Social Security expected to-dip into its reserves this year” (1) says:  The Social Security program’s costs will exceed its income this year for the first time since 1982, forcing the program to dip into its nearly $3 trillion trust fund to cover benefits.

This is three years sooner than expected a year ago, partly due to lower economic growth projections, according to the latest annual report the trustees of Social Security and Medicare released Tuesday. The program’s income comes from tax revenue and interest from its trust fund.

The trust fund will be depleted in 2034 and Social Security will no longer be able to pay its full scheduled benefits unless Congress takes action to shore up the program’s finances. Without any changes, recipients then would receive only about three-quarters of their scheduled benefits from incoming tax revenues.

The report also said that Medicare’s hospital insurance fund would be depleted in 2026, three years earlier than anticipated in last year’s report. Absent changes, the program then would be able to handle 91% of costs.

social security

This chart from the Social Security site shows funds flowing into the Old-Age, Survivors, and Disability Insurance (OASDI) trust fund and how it is projected in 2032 the surplus will be gone.  From that time on, in current legislation, no specific amounts will be  guaranteed.

In other words Social Security dips into its three trillion dollars of reserves starting this  year.   The reserves will keep payments up as projected until 2032.  That’s great to have all that money stored up.

But wait a minute!

First keep in mind that the surplus is already being tapped sooner than projected.   How much can we trust the 2032 projection?

Plus what are these reserves composed of anyway?

The Social Security website (2) says: Social Security benefits are paid from the reserves of the Old-Age, Survivors, and Disability Insurance (OASDI) trust fund.  The reserves are funded from dedicated tax revenues and interest on accumulated reserve holdings, which are invested in Treasury securities.

The Social Security Act provides that the funds are maintained “on the books of the Treasury.” The Treasury manages the Social Security accounts in much the same way that a bank manages a checking account: Accurate accounts are kept of the cash deposits and the accruing interest; cash (plus interest) withdrawals are allowed whenever needed; and in the meantime, the bank can put the cash to other uses.

So the Social Security reserves are like money in the bank, but the bank is the Treasury  and the Treasury has invested that money?

Right?

Not quite!

The Social Security site goes on to say: Until the invested amounts are needed to pay benefits, the cash is intermingled with the Treasury’s cash operations for the rest of the government.

Although these procedures do not affect the budget accounts of the rest of the government, they do affect the Treasury’s cash operations. When the trust fund tax income is deposited with the Treasury, the amount of cash that the Treasury must borrow from the public for its other operations is reduced.

Because the surplus Old-Age and Survivors Insurance (OASDI) funds are essentially loaned to the rest of the government, a full understanding of the effects of  (OASDI) financing requires consideration of its effects on the Treasury’s general account cash flows.

Uh Oh.  Those reserves are not especially invested by the government in assets that maintain their value and create a profit.

For example in recent years US forces have fired over 400 M142 High Mobility Artillery Rockets from Jordan  into Syria.  The rockets cost about $400,000 each so that might be $160 million of Social Security reserves, gone up in smoke.

I am not in the least bit qualified to know if that expenditure was for the greater good or not, but, but what does seem apparent is that  it won’t create a return for the Social Security fund.

There is a bigger  problem as well.

The Social Security site also says that Social Security changes will impact on the rest of the federal budget.

The draw down of Social Security reserves will create pressures on other parts of the US budget.

In other words. Until this year, the US Government earned tax revenues, borrowed money and had Social Security reserves to spend.  Starting this year the US Government has tax revenues and has to PAY back to Social Security.  This means they have to borrow more.

This also means they will have to pay higher interest rates that creates the really big problem of rising national debt service. 

For more than a decade American national debt was skyrocketing.  At the same time interest rates were plunging and have remained really low.  Now rates are expected to rise as will the US debt service.

The chart from the Congressional Budget Office (CBO) shows that debt service is expected to more than triple in the next ten years.

dollar charts

This is an extra half trillion dollars a year that won’t be spent on roads, on the military, on health care, the environment or schools.  That rising debt service creates a vicious cycle that can only lead to a devaluation of the US dollar so the debt can be paid, but in phony terms.

This is why we the good value stock markets we track in our Purposeful Investing Course are non dollar denominated.

All investors need to diversify in more currencies than just the greenback.

Social Security runs out of surplus this year and though it has trillions in reserves… the word reserves, in this case, is part of a con game.   There are no reserves, just more demands on taxpayers.

The pressure these demands will make on the US Treasury will certainly cause the purchasing power of the US dollar to fall.

Gary

The Only 3 Reasons to Invest

garyheadshot

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

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

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

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

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

motif

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

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

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

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

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

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

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

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

Fwd: keppler

Michael Kepler CEO Keppler Asset Management.

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

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

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

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

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

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

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

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

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

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

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

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

There is an iShares country ETF for every market.

How you can create your own good value strategy.

I would like to send you, on a no risk basis, a 130 page basic training course that teaches the good value strategy I use.   I call this strategy Purposeful Investing (PI).  You learn all the Pi strategies, what they are, how to use them and what each can do for you, your lifestyle and investing.

You get this course when you enroll in our Purposeful Investing program (Pi) with a triple guarantee.

Triple Guarantee

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

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

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

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

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

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

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

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

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

You also receive two special reports.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

seminars

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

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

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

stock-Charts

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

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

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

Details in the online seminar include:

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

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

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

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

Use time not timing.

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

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

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

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

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

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

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

Save $468.90 If You Act Now

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

ecuador-seminar

Triple Guarantee

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

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

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

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

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

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

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

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

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

Gary

(1)  www.wsj.com: Social Security expected to-dip into its reserves this year

(2) www.ssa.gov: Social Security Trust Fund Cash Flows and Reserves

(3) www.armstrongeconomics.com/uncategorized/the-rise-fall-of-empires-nations-city-states/

 

Dollar Danger in Nature’s Law


Nature abhors a vacuum.   We should never defy this law.  Yet billions do every day… by borrowing.

We must have a balance in all things.   Work… play.  Awake… sleep.  Eating… exercise.  Earning… spending.  Borrowing… saving.

In 1951, my folks, who lived from paycheck to paycheck, made a big sacrifice and purchased me a set of  15 books, “The Child’s World”.

Volume #1 was “Stories of Childhood.”

childrens world

I keep the volumes, to remember how wonderful my mom and dad were… (actually mom is at 95) and especially to review the first issue, which is filled with fairy tales, every once in awhile.

I  have no idea what impressions reading these wisdom filed stories had on me as a child had, but am sure that the Aesop Fable of the “Ant & the Grasshopper” was somehow embedded in my psyche.

childrens world

The grasshopper lived high on the hog in the good time.  But perished in the winter because he did not save.

childrens world

Yet as a nation, the US borrows and borrows and borrows.

This increases US debt and also widens the trade balance with other nations.

The Wall Street Journal article “Taking Aim at a Trade Gap? It’s Easy to Miss the Target” shows one danger from too much borrowing as  nation.

The article says:  U.S. oil boom of the past decade shows emphasizing one industry or nation can’t wipe out a deficit

As recently as 2009, nearly half the U.S. trade deficit was driven by one product: petroleum. If ever a national strategy could be devised to tackle the trade gap by targeting an individual product or individual set of countries, American dependence on foreign oil was on its face the place to look.

From mid-2011 to mid-2015, U.S. oil production climbed 78%, easily eclipsing the volume of imports.
But in the same decade that America tackled oil, the deficit outside of petroleum exploded. The overall trade gap has been widening in recent years even though one of its biggest sources has effectively disappeared.

Trade balances writ large are a function of how much Americans invest and save. When domestic saving isn’t enough to cover investment, the balance is made up from abroad. Low saving leads to wider trade deficits. Conversely, high-saving countries, such as Germany and China, run surpluses that fund the consumption and investment of others.

One major reason the U.S. didn’t shrink its trade deficit was simultaneous fiscal deficits.

When government borrowing rises, it needs money from somewhere. Consumers could dramatically ramp up their saving and purchase Treasurys—which would dent consumption—but in practice did not. That leaves foreign nations with financial surpluses as the biggest source of funds buying up U.S. debt—nations that save a lot and export more than they import.

“It’s a contradiction in terms of policies to say we want to borrow a lot for fiscal operations but don’t want to borrow from other countries, which is what the trade deficit amounts to,” Mr. Hamilton said.

Large tax cuts and spending increases enacted by Congress and the Trump administration are poised to push fiscal deficits above $1 trillion in coming years. That implies trade deficits will grow.

The US debt and trade deficit are likely to grow.  This will weaken the US dollar versus currencies in high saving countries such as Germany, Japan and China.

One way to cash in on this fact is by investing in good value, non US dollar stock markets such as those described below.

Gary

Spend time earning instead of spending!

The Only 3 Reasons to Invest

garyheadshot

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

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

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

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

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

motif

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

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

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

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

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

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

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

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

Fwd: keppler

Michael Kepler CEO Keppler Asset Management.

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

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

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

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

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

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

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

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

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

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

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

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

There is an iShares country ETF for every market.

How you can create your own good value strategy.

I would like to send you, on a no risk basis, a 130 page basic training course that teaches the good value strategy I use.   I call this strategy Purposeful Investing (PI).  You learn all the Pi strategies, what they are, how to use them and what each can do for you, your lifestyle and investing.

You get this course when you enroll in our Purposeful Investing program (Pi) with a triple guarantee.

Triple Guarantee

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

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

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

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

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

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

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

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

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

You also receive two special reports.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

seminars

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

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

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

stock-Charts

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

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

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

Details in the online seminar include:

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

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

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

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

Use time not timing.

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

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

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

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

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

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

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

Save $468.90 If You Act Now

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

ecuador-seminar

Triple Guarantee

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

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

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

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

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

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

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

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

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

Gary

(1) www.wsj.com: Taking aim at a trade gap its easy to miss the target

 

$24,411,569,716.36


The Huge 2019 Risk

Here is a huge risk that could explode in 2019.

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

According to Treasurydirect.com, (1) as of December 27, 2018 the cost of interest on the total US public debt of $21,845,329,154,412.01.  Tht’s 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.

US debt

The good news is I sent a note like this last year ad I was wrong.

Last year when I sent that note the debt was $20,467,375,664,755.32 (20 trillion+).  The debt has increased almost 1.4 trillion dollars in 2018.

This is good news and bad… the rock and the hard spot.  The bad news is that the rock (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 then) that, under law at that time, debt held by the public would exceed $16 trillion by 2020, reaching nearly 70 percent of GDP.

The $5 Trillion Error.

They sure goofed on that.  Here we are… only in 2019 and debt has shot past 21 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 $483 billion on the 20 trillion of debt.  Yet in 2008 on debt of only $9,229,172,659,218.31 (9 trillion +) the interest that year was $451,154,049,950.63 (451 billion +).

Interest payments in 2017 were 7% higher than they were in 2008.  Yet the debt is over 100% higher.  

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

Now US dollar interest rates are rising.  In 2018 the interest costs were 8.2% higher than in 2017.   Yet the debt increase was only 6.7%.

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

Here is the very hard spot.  

Rising interest rates, will create an almost unimaginable debt crisis.  If government interest goes to 6% it is like the $20+ trillion national debt  rising to 40 trillion!  Unless there are some huge tax increase the interest payments are not sustainable.

A tax increase?  Last year’s tax act reduced, not increased, revenue.

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 2018.

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 2019 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 25,000, 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 2019 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 $99 per annum but as a club member you receive Pi at no charge and save an additional $99.

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 $418.78… “plus more” when you become a club member.

Join the International Club and receive:

#1: The $99 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 2018”. 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.

These reports, courses and programs would cost $527.92 so the 2018 membership saves $117.92.

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 

(1) www.treasurydirect.gov/NP/debt/current

 

$912,732 for a $42,024 House


Here is one reason the US dollar is under water and can sink to deeper levels.

The government has figured out how to pay $912,732 for a $42,024 house.

That’s easy for them. That’s your tax dollars and mine!

Yet that’s not enough… so they borrow.

These are loans that you and I must pay back.

We have all heard about $435 hammers and $600 toilet seats.  To this day my favorite misuse of our tax dollars is when the government paid  $2.6 million to train Chinese prostitutes to drink responsibly on the job.

Since taking the money out of our pockets or bank accounts to pay for such wastes is not politically acceptable… the government lets the dollar lose its purchasing power instead.

The government’s National Flood Insurance Program is just a serious waste of our money.

This program is the only way five million households can get flood insurance.  The problem is that the program has wasted billions, is broke and there is no solution in sight.

In October, the program reached its $30 billion borrowing capacity and had to get a bailout just to keep paying current claims.  Congress must decide by Dec. 8 whether to keep the program going.

One reason that billions of your and my tax dollars are being thrown away is that the program insures “severe repetitive-loss properties”.  These are  houses that are flooded again and again, (there are tens of thousands of them).  They account for less than a percent of the flood policies but create more than 10 percent of flood claims.

nyt flood story

The program spends billions of (our) dollars repairing houses that just flood again.  According to a New York Times article “A Broke and Broken Flood Insurance Program” (1),  “Its records, for instance, show that a house in Spring, Tex., has been repaired 19 times, for a total of $912,732 — even though it is worth only $42,024”.

The program is broken structurally.

The National Flood Insurance Plan is not sound from an actuary’s point of view.  Plus, as in all government services, there are myriads of Kafkaesque procedures that can break a person’s heart and soul as well as their finances, while they pursue legitimate claims.

The program cannot deal with catastrophic losses like those caused by Harvey, Irma and Maria.  It still has more than a thousand disputed claims left over from Hurricane Sandy.

The article says:  In August, when Hurricane Harvey was bearing down on Texas, David Clutter was in court, trying one more time to make his insurer pay his flood claim — from Hurricane Sandy, five years before.

Mr. Clutter’s insurer is the federal government. As it resists his claims, he has been forced to take out a third mortgage on his house in Long Beach, N.Y., to pay for repairs to make it habitable for his wife and three children.  He owes more than the house is worth, and his flood-insurance premiums just went up.

The program is also broke financially.  This year it used up its $30 billion credit limit and had to be bailed out just to keep paying current claims.

Since regularly repairing houses on flood-prone sites as oceans warm and sea levels rise makes little sense.  The program has a clause that helps it buy such properties so the owners can move somewhere safer.  Yet there are numerous obstacles so buyouts are rare.

The New York Times article tells of one owner of a  repetitive-loss property.  She has mounds and mounds of paper, but is still waiting.  She applied for a buyout in 2015 after her house flooded for the fifth time thinking that if her house classified as a severe repetitive-loss property, the program would give her higher priority.

The result?

They have not responded to her application.  Instead, they doubled her premiums.

The insured and those with claims (and we as tax payers) have to rely on Congress to fix this.

I have not seen the guys and gals in Washington (other than give night show comedians a lot to joke about) do much for us lately.

Perhaps it is better to improve how we think, earn and live rather than depend on the government.

There are ways to turn this problem into an opportunity.

For example,  Merri and I have purchased substantial amounts of property above high priced real estate that is at flood risk.

We have been betting on global warming in a way.  Three-quarters of Florida’s 18 million people live in coastal counties.  Rising sea levels have increased insurance rates and municipal taxes at a speed that are not sustainable.  Communities are having to spend billions to hedge off flooding.

Many are left with no recourse but to leave the lower coastal areas which could drive up property prices in areas such as Mount Dora.  This is one reason I have been investing in Central Florida rental units.

Problems can create opportunity.

The more horrific the news, the bigger the challenge and the greater the reward.

Learn about the two areas (in Florida and North Carolina) where high ground has reduced prices, but increases potential as flooding becomes a greater concern.

Gary

Live Anywhere – Earn Everywhere

A huge economic struggle is taking place.

The hazard began with the Bayer Monsanto merger.   Recent verdicts against Roundup have accelerated the risk.

Bayer shares have fallen dramatically due to the merger especially after an award of more than $2 billion in damages to a couple who alleged that the company’s glyphosate-based weed killer Roundup caused their cancers.

This third loss-in-a-row by Bayer in U.S. courts and highest award to date has put the company in a tailspin. It 13,400 more such lawsuits and shareholders have rebuked Bayer’s top management over its handling of the Monsanto acquisition and this litigation.  The chart below shows how this has wiped over half of Bayer’s market value .

bayer

See up to date Bayer chart at www.finance.yahoo.com

Bayer’s struggle to protect itself can create disaster in almost every part of our lives, from food to our pets to our medicine.

The battle could destroy what’s left of our privacy, the safety of our food supply, the control over our health, the safety of our money and even the sanctity of our opinions and thoughts could be lost.

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

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

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

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

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

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

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

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

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

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

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

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

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

Seven companies are involved in a more sinister plot.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

May I coin a new word, Pruppie?

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

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

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

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

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

ecuador-banks

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

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

Let me provide one simple, concrete example.  Ginseng.

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

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

goldenseal ginseng

Ginseng growing in our back yard.  I know about growing ginseng through experience and explain why and how in the report.

There are are specific places that reduce your living expenses, easily increase your income, make you smarter, healthier and provide tax benefits as well. 

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

Here are some of the experiences this report shares:

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

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

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

  • Learn about the magic of the north facing slope.   This is where Merri and I live almost half of our time.  North facing mountain land is some of the least expensive in the world but has hidden values that the report reveals.  There is a lot of this land and a lot of hidden value that you can tap.   When we bought our Blue Ridge farm (252 acres) I mentioned this to my Swiss banking friend.  “That’s bigger than the entire village where I live!” was his response.  Smalltown USA offers a last chance at having a lot of space.  By living in two Smalltown places there are enormous tax advantages as well.  One step in the system saves Merri and me over $28,345 in taxes a year.

The report shows how to buy cheap north facing slopes and create an income producing tiny home for $29,000 or less.

If you lack the $29,000 to invest, a start up using tents is even less.  These are tipis we put up at our farm before we built our first tiny home.  Learn how they can create tens of thousands of dollars in income for you.

Fwd: gary-scott-tipis

  • See ways that small businesses like Tipi rentals can create BIG tax savings as well as extra income.  For more than 30 years Merri and I have enjoyed a strong six figure income, some years more, in the millions.  Yet there have been very few years when we had to pay federal income tax.  The report lays out a three structure program and how it is used when you are in school (up to age 30), then from 25 to 50, 50 to 70  and beyond 70.   Learn why Chapter C corporations and pensions can be better than the normally recommended Chapter S.  See how new mileage log rules gives you a possible opportunity to increase your tax deductions using IRS Form 4562.  Using a two-vehicle strategy you can gain $12,976 in new deductions even if you do not have to drive one mile further or spend one additional penny on your car.
  • See how a greenhouse can help you eat better and be healthier, plus provide income and a tax deduction and be funded by a government grant.

gary-scott-farming

Our North Carolina greenhouse.

gary scott greenhouse

Our Florida greenhouse.

  • There are similar benefits from having a second home office defined in IRS publication 463 and IRS publication 587, even if your desk is a dining room table.  The report also shows how your dining room table can become an actual income producer as its creates a huge tax deduction at the same time, not to mention a great place to eat, work and lay out plans for a brighter, safer more lucrative and enjoyable future.
  • Living in this environment is also healthier, economically as well as physically.  You’ll see in the report how researchers at Harvard found an amazing correlation between living in conditions found on north facing slopes, longevity and mental health.  The researchers were quite surprised by this strong correlation that also extended into mental health.  In addition to feeling better, reducing stress and having more Joie de Vivre the places outlined in “Live Anywhere-Earn Everywhere” can help you avoid hospitals, high cost disease management (aka health care) and BIG pharma while providing an investment opportunity in three plants that have some of the fastest growing demand in natural health care.  These three plants are just one of seven business opportunities that can create multiple streams of income.
  • How changes in cell phone and internet technology eliminated the need to be in one place.   An old law that creates new opportunity for small business in small towns is available to everyone.
  • Use the specific search and purchase guide.  Construction plans are included that show how to generate first tier income that leads to five, second tier avenues of earnings.
  • How to pay off old debt and avoid new debt by avoiding spurts and embracing value. 
  • Learn seven skills that will always have value.  See how to turn First Aid, medicinal plants, hospitality, food, trees, alternate energy and writing to sell into everlasting, low stress wealth.

merrily farms

This pond at our farm is a pleasure but also helps create a safe, healthy food supply and creates a tax deduction as well.

My Guarantee

This may be the most important report I have written in 50 years.  The information is certainly the most urgent.  Do not delay.  The risks are upon us right now and you’ll understand how the final steps of the alliance are taking place as you read the current news.

To take any risk out of gaining this urgent information with my full satisfaction or money back guarantee.  If you are not totally happy, simply let me know.  I guarantee you can ask for a full refund any time within 60 days and I’ll refund your payment in full, no questions asked.

You can keep the reports as my thanks for ordering it.

Buy Live Anywhere, Earn Everywhere Report  $39.99

Gary

 

(1)  www.nytimes.com: A broke and broken flood insurance program

 

Battered Dollar Syndrome No Surprise


Yesterday’s Wall Street Journal article  “Battered Dollar Roars Back, Catching Investors by Surprise” (1) provides a vital message about your current investments, savings and wealth.

The article says:  Investors are betting that an increasingly aggressive Fed and tumult in Europe will lift the currency.

The dollar has already bounced roughly 2.9% from its September lows and has risen in five of the past six weeks, powered by gains against the euro, yen and emerging-market currencies. Investors betting against the dollar have also cut back on their positions recently.

The surge in demand for dollars caught some investors off guard.

The strength (or weakness) of the US dollar can provide a vital clue on when Wall Street’s longest bull market will end.

A dollar surge can be an early warning to a steep, disastrous, stock market plunge.

The day before that Wall Street Journal article appeared, we sent this warning to Pi subscribers.

 

The U.S. dollar turned negative against most major rival currencies last week after an employment report showed the first decline in job creation in seven years even though wage growth was better-than-expected.

The weak dollar trend is still in force this week.  

The ICE (Intercontinental Exchange) futures contract is a leading benchmark for the international value of the US dollar and the world’s most widely-recognized traded currency index.

The U.S. Dollar Index DXY, measures the U.S. currency against six major rivals, – (euro, Japanese yen, British pound, Canadian dollar, Swedish krona and Swiss franc).

Dr. Richard Smith CEO of Tradestops.com (2) wrote this about the dollar.

Stock Market Headwinds Building

Headwinds are continuing to pick up steam for US stocks and there’s increasing evidence that the music is in danger of stopping.  In this case, the music is the declining US dollar.

Historically, the stock market is bullish when the US Dollar is bearish.  Yet, we knew that the dollar had moved strongly higher since its low in the first half of 2016.  It triggered a new Stock State Indicator (SSI) Entry signal in November.

tradestops.com

There’s increasing evidence that the dollar could be nearing the end of its fall. If it does, it will likely be a huge problem for US stocks.

Our time-cycle forecast for the dollar has been very accurate. It’s showing that the move lower in the dollar is about to end. There looks to be a short-term bounce through the end of November and then a large move higher in 2018 that could last almost the entire year.

tradestops.com

I’m currently looking for the US dollar to rally to the $95 level… and for the US stock market to take a breather… possibly even as much as 5% – 7%.

If the dollar falls below $91, however, it will be a huge confirmation of even higher prices and valuations for US stocks.

This is some math we can use to see how close we are (are rather the US stock market market is) to the edge of a crash.

Watch the dollar index DXY and the ETF UUP.

A drop below 91 is a signal that market strength is still alive.   A rise to 95 suggests that the trend of rising US shares is in a danger zone.

Currently DXY is closer to 95 than 95, at 93.79… but has been falling.

finance.yahoo

We can see a similar trend in the chart of the Powershares ETF UPP.   The falling dollar trend reversal began last month.

finance.yahoo

finance.yahoo.com/chart/UUP

UPP  seeks to track the price and yield performance, before fees and expenses, of the Deutsche Bank Long US Dollar Futures index. The index is comprised solely of long futures contracts. The futures contract is designed to replicate the performance of being long the US Dollar against the Euro, Japanese Yen, British Pound, Canadian Dollar, Swedish Krona and Swiss Franc.

The trend of a weakening dollar was continuing this morning as the chart at Market Watch shows.

market watch

You can keep track of the trend at the Market Watch website.

The US dollar US stock market relationship is one small clue we can use to skirt the edge as Wall Street continues its longest bull market in history.

To read yesterday’s entire Pi message, please read below how to subscribe to the Purposeful investing Course (Pi).

Gary

(1) www.wsj.com: Battered dollar roars back

(2) Learn how Tradestops.com can improve investing discipline.

Double Dollar Warning


Excerpts from our latest Purposeful investing Course update (Pi) shows a double/dollar warning.

This update looked the ENR Asset Management Portfolio that Pi created and tracks based on the recommendations of  ENR Asset Management in Montreal, Canada (1).  They are one of only a few SEC registered asset managers who manage funds in overseas banks for US clients.

The first dollar warning shows that there is US dollar weakness in the long term.  ENR made these points.

The U.S. debt ceiling remains unresolved and must be extended by the middle of October. The U.S. Treasury is already engaged in unorthodox financial engineering since the summer as it manages the nations’ monetary and debt commitments. In August 2011, Congress went down to the wire, delaying raising the debt ceiling and triggered a big sell-off in stocks – the largest decline since the financial crisis. Moody’s also downgraded America’s debt in 2011 to AA.

According to a study from the International Monetary Fund (IMF), advanced economies are increasingly responsible for imbalances in the world economy with Germany overtaking China as the world’s leading net saver. Data also confirmed the United States continues to hold title as the world’s largest current-account deficit nation. The IMF warned that rising deficits and higher savings in Germany are fanning protectionist sentiment in the United States. Germany ran a current-account surplus of 8.3% of gross domestic product (GDP) in 2016 while China’s fell to 1.7% of GDP.

The United States finished the year with a current-account deficit worth 2.4% of GDP.  The UK current account deficit also grew and is the second-largest in the world after the United States.

ENR Asset Management offers many portfolios but it’s worth noting that the Multi Currency Sandwich  Portfolio has risen 6.7% this year simply due to US dollar decline.  The ENR Economic Outlook said:

Global Currency Sandwich Rallies 6.7%

As of August 14th, the ENR Global Currency Sandwich, including gold, has rallied 6.70% this year. Excluding gold, the currency basket gained 5.70%. Top performers this year in our sandwich are gold bullion (+11.7%), the Swedish krona (+10.9%), the Norwegian krone (+8%) and the Swiss franc (+4.6%). On June 30th, we also introduced the Canadian dollar to the currency basket (+1.9%) and the EUR (+3.1%). We dropped the Brazilian real on June 30th.

2017 ENR Global Currency Sandwich (Equally-Weighted):

EUR: Added on June 30, 2017. Guggenheim Currency Shares EURO Trust (NYSE-FXE)

Canadian dollar: Added on June 30, 2017

Brazilian real: Sold on June 30, 2017

Swedish krona: Guggenheim Currency Shares Swedish Krona Trust (NYSE-FXS)

Swiss franc: Guggenheim Currency Shares Swiss Franc Trust (NYSE-FXF)

Norwegian Krone

Gold Bullion (OPTIONAL)

However ENR also warns that there may be a short term US dollar correction and says:

U.S. Dollar Heavily Oversold; Beware of Big Rally

Bearish bets against the American dollar hit a three-year high this recently as more speculators believe the Federal Reserve won’t hike interest rates again this year. If going long, the dollar was a very crowded trade heading into 2017, the opposite is now true in August as traders turn increasingly negative. Declining inflation this summer in the United States has served to cool the Fed’s rate-hike ambitions. In 2017, the USD Index has shed 9% against a basket of six major currencies. The largest constituent weighting in the USD Index is the EUR at 57.6%.

enr

Recently strong export data, rising consumer confidence and strong retail sales in July might force the Fed to tighten again. The American dollar is very oversold at current levels and we’d avoid selling dollars. According to the CFTC, speculative accounts boosted their net short positions on the dollar to $7.4 billion dollars for the week ending August 11.  That’s the highest short positioning since May 2014.

Using mathematical based value and trends analysis is important because short term recoveries can confuse investors and cause them to pay too much attention to short term volatility.

For example the article “Silver ETFs slide as dollar-bounces at www.benzinga.com (3)  says:

Though it is still in the doldrums relative to other currency exchange-traded funds, the PowerShares DB US Dollar Index Bullish Fund UUP has perked up in recent sessions. The dollar’s awakening, albeit modest, is pressuring commodities and the related ETFs, including silver funds.

However, the chart below (from Forbes) shows that the back of US dollar strength really broke back in January of 2017.

forbes

Pi double checks value trends with trending algorithms processed by Tradestops.com (4).

In the case of the US dollar, we look at the Stock State Indicator and Volatility Quotient of the PowerShares Dollar Bull ETF. Tradestops shows that the dollar is trending down and has been since May 2017.

tradestops

This mathematical analysis shows that the trend of the US dollar index shifted downwards in early May. It reached an alert stage on May 9, 2017.  The trend eroded so quickly that a stop loss warning was issued May 22, 2017 and the bear trend remains now.

This ETF has a very low volatility quotient which suggests that we will not see any quick, strong reversal in this trend.

Learn more about the Purposeful investing Course below.

Gary

Borrow Low – Deposit High

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

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

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

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

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

Let’s take a look why.

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

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

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

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

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

Everyone was afraid of investing in silver.

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

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

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

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

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

The profit did not stop there!

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

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

Do the math: 

Silver worth $42,185

Loan payoff  $14,000

Profit             $28,185

Cash Required  Zero

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

The $28,185 was pure… extra profit.

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

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

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

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

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

My readers did not.

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

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

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

The “special silver pricing position” reappeared.

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

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

The report paid off again.

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

yahoo

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

The profit did not stop there!

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

yahoo pound chart

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

Do the math: 

Silver worth $20,421

Loan payoff  $13,900

Profit             $6,521

Cash Required  Zero

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

Again this was pure… extra profit.

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

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

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

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

Isn’t there some risk?

Yes.  There is always risk when you invest.

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

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

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

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

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

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

The benefit of 50 years experience.

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

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

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

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

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

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

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

The time is now.

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

We are stalking precious metal opportunity now.

The trap is set. We are waiting…

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

You can order the Silver Dip 2019 here for $39.95

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

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

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

You can order the Silver Dip 2019 here for $39.95

Gary

 

 

Huge Investing Error


Two of last week’s Wall Street Journal articles revealed how many investors are making a huge mistake.

The first article “This Market Really Is Different This Time” tells how small investors are moving away from the overheated US stock-market.

The article says:  The market has hit Dow 22000 not because of the individual investors Wall Street calls “the dumb money” but in spite of them.

Over the past month, small investors have pulled $17 billion out of U.S. stock mutual funds and exchange-traded funds and added $29 billion to bond funds. That’s the latest leg of a long-term trend: Since the internet-stock bubble burst in 2000, investors have withdrawn half a trillion dollars from U.S. stock mutual funds.

That’s smart, but guess what…

Small investors are jumping out of the frying pan into the fire, because their exodus comes from rebalancing.  As Americans reach retirement age, they shift from stocks to bonds.

There is a flaw in this massive trend.

Investors “rebalance” using pre-set proportions of stocks and bonds.  If  the proportion, for example, is 50% in stocks and 50% in bonds, when stocks go up their value becomes more than the value of bonds in the portfolio.  The investor automatically sells stocks and buys bonds to get back to 50% stock and 50% bond values..

It is reckoned that trillions are managed this way, to automatically scale back stock holdings as investors age and the US stock market rises.

The big mistake is that the US dollar shares sold are invested in a weak and dangerous bonds and a weak and dangerous US dollar.

The math is simple and reveals a huge error.

Bonds pay lousy returns at this time.

A Wall Street Journal article about the basic weakness of the US dollar (2) explains why the dollar will slide more.

This article says: Currency’s slide since January has near-term upsides for manufacturers, multinationals and the Fed.

The U.S. currency has been in a steady decline since January after reaching a 15-year high.  The WSJ Dollar Index, which measures the dollar against the currencies of major trading partners, is down about 8% since the beginning of the year, including a more than 2% drop over the past month. Its decline has been especially pronounced against the euro, 15%, and the Mexican peso, 28%.

It makes U.S. exports cheaper overseas, and thus helps to drive production at home.  In June, exports were up 7% from a year earlier.  That’s a sharp reversal compared with the 9% drop from 2014 to 2016, when the dollar was climbing rapidly.

This article points out that the current federal administration likes a dollar that’s not too strong.

Hold on just a second…

Why do they want a weak dollar?   Softening of the greenback makes the politicians look good. US exports become cheaper.  This helps American manufacturing, mainly the top executives and big investors who are not investing in low yielding bonds.

What’s the catch?

Those same weak dollars can ruin your and my purchasing power in two ways.   First, bonds pay lousy yields.   Second, everything we buy from abroad costs more… in US dollar terms.  Our German and Japanese cars,  Canadian lumber, Mexican tomatoes and Chilean grapes and every other darn thing we have become reliant on that is grown or made outside the USA.  This creates increased costs for US business and hinders the entire economic system in the US.

wall street journal

Chart from the Wall Street Journal article on the crash of the US dollar.

Gary

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

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

Think about this…

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

The greenback is in a free fall.

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

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

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

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

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

Guess what?

Then it collapsed 50% in just two years.

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

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

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

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

Now those circumstances are headed our way again.

And I have…

invested more… a lot more.

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

This is the most exciting opportunity I have seen since we started sending our reports on international investing ideas more than three decades ago.  The trends are so clear that I created a short, but powerful report “Three Currency Patterns For 50% Profits or More.”   This report shows how to earn an extra 50% from currency shifts with even small investments.

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

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

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

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

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

Order the report here $29.95

My Guarantee

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

I guarantee you’ll learn ideas about investing that are unique and can reduce stress as they help you enhance your profits through slow, worry free purposeful investing.  If you are not totally happy, simply let me know within 60 days and I’ll refund your subscription fee in full, no questions asked.

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

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

Order the report here $29.95

 

(1) wsj.com: This market really is different this time

(2) www.wsj.com: Dollar weakness article

 

Triple Dollar Warning


Three serious warning signals for the US dollar popped up last week.  See how to profit from these danger signals now.

On October 5, 2014, I posted thoughts about an opportunity in the US dollar cycle.  Here is what I sent to all my readers at that time:

You can  gain special opportunities by taking advantage of dollar cycles.

dollar chart

The article with this dollar chart at businessinsider.com (1) is worth checking out.  Click to enlarge.

The chart shows how the US dollar rises and falls in cycles, about six years up, then ten years down.  The most recent upwards cycle began in 2010.  If the trend continues, dollar investors have three more years to use the rising dollar to pick up assets, stocks, bonds, real estate at a discount because the greenback is strong.

Three years have now passed. There are serious warning signals that the greenback is dropping and will continue to fall.

This is a good time to consider some currency market timing.

Having said this keep in mind, our goal in creating the Purposeful investing Course (Pi) is to avoid market timing.  The strategy is to save time, increase safety and profit through investing in a portfolio of Country ETFs in good value markets.

Since inception, the good value, Pifolio, has been invested entirely in good value, non US dollar markets.

Pi is based on following the mathematical analysis of three good value investing experts; Keppler Asset Management, ENR Asset Management and Tradestops.com.

As I was preparing messages from Pi readers this week, the fact that both Keppler and ENR gave dollar warning signals in the first paragraph of their analysis.

Keppler Asset Management warned in its report:

Currency movements turned out to be more important than stock price changes in the second quarter 2017.  The MSCI World Total Return Index (ND) was up 2.7 % local currencies and 4.0 % in US dollars; due to the strength of the euro, however, it declined 2.4 % if performance is measured in euros. Year-to-date, the MSCI World TR Index is up 8.3 % in local currencies, 10.7 % in US dollars and 2.3 % in euros.

ENR said in its Advisory Extra Update:

After recording an impressive bull market rally since late 2011, the American dollar is quickly approaching a secular top in 2017. In fact, we think the USD has already peaked, mainly on a combination of delayed fiscal reform and a flattening bond market yield-curve.

This led me to check out what Tradestops.com could tell me about the US dollar.

I use Tradestops analysis tool to see how the ETF “PowerShares DB US Dollar Bullish ETF (Symbol UUP)” was trending.

The UUP fund tracks the price and yield performance, before fees and expenses, of the Deutsche Bank Long US Dollar Futures index.  The index is comprised solely of long futures contracts. The futures contract is designed to replicate the performance of being long on the US Dollar against the Euro, Japanese Yen, British Pound, Canadian Dollar, Swedish Krona and Swiss Franc.

Sure enough, the Stock State indicator (SSI) for UUP is red.  That is a signal that the US dollar is not trending down.

Tradestops had an entry sign for this ETF back in early January when it shot up to $26.60. Then the dollar started to plunge. This ETF was stopped out May 22, 2017 at $25.08.  Now the fund is in the $24 range.

tradestops.com

There you have it, signal after signal; my 2014 comments of the dollar cycle reversing in 2017.  Keppler’s comments about the dollar’s drop.  ENR’s dollar warnings and the dollar’s downwards trend shown at Tradestops.com.

Pi subscribers have been accumulating good value non-dollar assets for years.  They are already seeing accelerated profits.

Many may have lost some potential already, but it’s not too late.  Get into good value markets while the US market is still poor value as it is too high and a collapsing US dollar can cause it to fall.

Gary

(1) Gain with dollar cycles

(2) Learn how ENR Asset Management can protect your savings from Thomas Fischer: email: Thomas@enrasset.com

(3) Learn how to use Tradestops.com to improve investing discipline.

Turn Your Passion to Profit So You Never Run Out of Money

Earn everlasting wealth and fulfillment as you reduce stress.

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

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

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

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

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

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

quinoa-book

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

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

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

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

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

Nicki’s first book sells for .99 cents and is ranked #266,764 of paid sales in the Kindle Store.    Even being ranked in the 200,000 class, Nicki has earned enough to travel to Ecuador.

Take Bob Gandt as another example.

Bob Gandt

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

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

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

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

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

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

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

Hugh Howey

Hugh whipping me badly in a game of chess.

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

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

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

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

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

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

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

The writer keeps 70%.

Amazon keeps 30%.

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

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

This is a new exciting era for writers.

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

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

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

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

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

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

If you take advantage of this offer there is a new added benefit.   You receive the basic “Self Fulfilled – How to be a Self Publisher 101”,  “Self Publishing 202… How to Publish on Kindle” and our newest course “Self Publishing 303 – Tapping into the Amazon Evolution”.

The goal of “Self Publishing 303” is to help writers take advantage of a new trends at Amazon.com.   During the initial stages these new features offer the greatest potential.

Amazon.com publishing is evolving.  I have been studying, testing and publishing at Amazon.com and applying new technology offered by Amazon.com.  The  303 sessions share what I learned.

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

You learn:

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

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

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

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

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

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

Gain practical publishing ideas and case studies.

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

What’s Your Passion: Travel and Tourism?

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

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

You learn:

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

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

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

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

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

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

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

* How to develop your website

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

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

Why we’ll add the Self Published Kindle addition free.

Our self publishing course has been a mainstay for almost three decades but is updated regularly.  The course is based on the trial and error experiences Merri and I have had for the past 47 years… the very experiences that have made us self-fulfilled multimillionaires.  We are continually adapting our business as the industry evolves.  Our course helps readers evolve with us.

There is more because Merri’s and my story goes beyond self publishing.  We have also always earned with travel.

The second way to get ahead is by getting ahead.  Really.

bell shaped curve

The bell shaped curve affects all trends.  The 15.75% of businesses and investors that really get ahead are the early adopters.  They gain the largest rewards.

You can get ahead because a new trend is on its way.   This is an era of rapid disruptive change that hits even the giants.  In fact the bigger they are… the more vulnerable they become.  Amazon.com for example has turned huge industries upside down… and knocked booksellers, publishers and many retail businesses to their knees, but is Amazon.com the giant that will stumble next?

Our online course “Event – Full Business, How to Profit From an Events Business” teaches how to earn by conducting seminars and tours.

Self publishing at Amazon.com is evolving.   The idea of simply publishing and just waiting for royalties to roll in, is well along the bell shaped curve.  Amazon will be with us for some time…  but new technologies that can disrupt Amazon.com are already on their way.

What’s Next? – Huge Profits For the Early Adapter

Amazon.com will change.  The firm has incredible income but small profit.   Amazon.com is the 1,000 pound  gorilla when it comes to selling books.  For how long?  Just when everyone thinks they have the system figured out… a new disruption comes along.   Ask the guys at Borders or Barnes & Noble!   Wait… that’s right. I forgot.  Borders is gone.  Barnes & Noble’s retails sales have been decreasing for years.

Be a Micro Amazon.com.  A new trend is rising… small companies with Amazon.com like capabilities.   Early adopters have a chance to get ahead of this trend by mastering the 7Ps.

Our two online courses, “Self Fulfilled – How to Self Publish” and “Event – Full Business – How to Profit From an Events Business”, both teach how to use the 7Ps.  The two courses work together in a synergistic way so you can create a micro publishing seminar business as Merri and I have.

The 7 Ps are “For Certain” principles in this uncertain world.

The 7Ps are  Passion – Problem – Person – Product – Prospecting Path – Promise – Presentation and go beyond change.

Whatever disruption new technology brings, the 7Ps create opportunity because they identify, reach, engage, focus and solidify customers at a profit.

The Ps are really important to any writer, publisher or micro business because they transcend all forms of technology.  They are a constant in an ever changing world.

The 7Ps reflect an immutable logic that worked in paper based publishing before computers.  They worked with computerized Cheshire labels.  The 7Ps worked  with jet printing on envelopes and personalized emails.  They work for websites and blogs.  Our Writer’s Camp and Online Self Fulfilled delegates and Event Full subscribers are using the 7Ps successfully right now at Amazon.com and in numerous micro businesses.

Learn how to earn extra income by combining the 7Ps in an events business that is supported by self publishing and writing to sell.

gary scott events

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

gary scott events

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

Merri and I have been using the 7Ps for over 45 years.   Since May 1968 we have been paid to travel and live exactly where we have wanted to be… because we have known how to write to sell and monetize the publishing success with events, seminars, courses and tours.

The combination of self publishing working hand in hand with an events business has allowed us to visit and to live anywhere in the world we have desired.   Many of our courses delegates are using the 7Ps to enjoy great profits and lifestyle as well.

One reader sent me this note:

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

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

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

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

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

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

Event Full Business- How to Have a Seminar and Tour Business.

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

There is a possibility that  Merri and I know more about conducting events than 99.9% of the people in the world.

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

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

Here are the initial lessons you receive.

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

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

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

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

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

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

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

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

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

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

#11: How to build a List.

#12: Alternative seminar and course location options.

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

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

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

Event – Full Business – How to have a seminar and tour business sells for $349, but in this special offer you receive both fully guaranteed online courses “Event – Full Business” and “Self Fulfilled” for only $299 and save $349.

Self Fulfilled-How to be A Self Publisher.  There are growing numbers of great stories about beginning writers using Kindle to sell their publications.  You saw three above.

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

* How you can start with a very small amount of money and eventually work only four hours a day (if you are operating full-time).

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

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

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

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

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

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

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

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

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

* Plus much, much more that I don’t have space for here!

* How to use the internet to publish

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

* How to develop your website

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

To help you start, I have created a special offer… our course on how to be a self publisher, our course on how to use the internet and a website in your business  and six bonuses for you.

Bonus #1: Get the 50 minute Video Workshop worth $99 “How to Start Your Own Internet Business” presented by our webmaster David Cross,

Bonus #2: Get FREE, the $299 online course “The Tangled Webs We Weave – How to Have an Internet Business”.  To read more  about this course click here.

Bonus #3: Our Super Thinking Workshop in an MP3 file so you can listen on your computer, burn a disk or listen on you Ipod or in your car. This workshop is a $199 value.

Bonus #4: A special report only available to those who enroll in “Self Fulfilled” entitled  “Three Secrets for Creating Publishing Ideas”.

Bonus #5:  We have created a special program so you can enjoy both our guaranteed online courses “Self Fulfilled – How to be a Self Publisher” and “Event Full Business – How to Have a Seminar and Tour Business”.  “Event Full Business – How to Have a Seminar and Tour Business” has been offered regularly at $349.

When you order “Self Fulfilled – How to be a Self Publisher” at the regular price of $499 you receive all five bonuses at no extra cost. You save $946 total.

Self Fulfilled Special $499

GUARANTEED. We’ll Accept All the Risk!

We completely guarantee the program.

Order Self Publishing: Your Complete Business Plan for becoming a self publisher and take a full 30 days to put it through its paces.  That way you can follow my simple process and start seeing the results for yourself.

If you’re not completely convinced that this information can help you develop income through writing to sell—all you have to do is let us know and  you’ll receive a complete refund of every penny of your investment.

Fair enough?

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

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

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

Self Fulfilled Special $499