Tag Archive | "USA"

Combine Value and Forex Shifts

Here’s why I sometimes break several of my investing rules.

One rule is to invest only in good value markets.

I invest instead in country ETFs that invest in the Good Value Markets outlined in the Keppler Asset Mangement analysis of 46 stock markets around the world.

Yet I hold asset in this market, the iShares MSCI Canada (EWC) ETF.  The Canadian stock market is  a neutral , not good, value market.  I’ll explain why in a moment.

Another rule is… don’t hold individual shares. 

Yet I hold shares in the Canadian Brookfield Renewable Energy.


There are two reason why I have broken from my discipline.

The first reason I depart from this routine has to do with distortions in currency.  

One way to determine the future parity of one currency versus another is to compare the nation’s federal debt.

According to ciecdata.com (1) the United State’s Government debt accounted for 125.5% of the country’s Nominal GDP in June 2020, compared with the ratio of 107.8 % in the previous quarter.

To make matters worse, as the graph bellow from Statisica.com (2) shows,  that this debt grew by over a trillion dollars in the next months, so the percentage of debt to GDP.


Canada’s pubic debt is 53.3% of its GDP compared to the US debt of over 125.5%

50 years of tracking and investing in  currency distortions has been very profitable for me and one measure of a currencies potential strength (versus another) is the difference in debt per gdp.  In this case the US debt  is 135% higher than Canada’s.

This difference suggests a huge potential surge in the Canadian dollar versus the US dollar.

The chart below of the Canadian dollar versus the green back shows a history of dramatic swings in parity.  The chart also shows that this is a likely time for the loonie to rise versus the buck.


In the past decade the Canadian dollar has been at a high strength, worth as much as high as US$1.07 and as week as US$.71 cents.  That’s a 50% difference and the Canadian dollar was at the all time low just over a year ago.

Since then the Canadian dollar has climbed back to US$.76 but I believe has a long way it can still rise.  To my way of thinking this adds extra value to Canadian shares.

The second reason I invest beyond country ETFs is top suport (and profit from) something I believe in.

Here’s an example of how investing in value combined with a currency distortion, into something I feel is doing good in the world, can pay off.

I have believed in green investing for many years.  In January 2009 I invested in Brookfield Renewable Power Units at C$19.75 (at that time about US$15), because this company is all about renewable energy.

Since then, the shares have paid dividends each year of about 6% as the price has risen.

The Brookfield Renewable Power Fund was later merged into a much larger Brookfield Renewable Partnership and then partnership shares were given shares in Brookfield Renewable Corp.

I made this investment because I like renewable power and thought the Brookfield shares were good value at that time, plus because I felt that there was a distortion in the US/Canadian dollar parity.

My decision to invest in Brookfield Renewable Power Fund was based on multi currency reasoning as well as my quest for good value and income producing equities.

I keep about 5% of my portfolio in Canadian dollars and in January 2009 was looking for a good Canadian equity to add to the portfolio.

I looked first for value… second a good yield… third… growth potential… fourth… safety commiserate with risk premium (or discount)… and finally for an investment in the Canadian dollar.

When I reviewed the Brookfield Renewable Power Fund, I looked at earnings and took into account the demographics and potential for electricity prices to rise.

Then I asked, “Is this an investment suited to the longer view?” Electricity created by liquid (hydro power) and gas (wind power) seemed a good environmental option.

I invested US$30,000.

This has been a good investment as all the positive forces have pushed together.

Dividends have grown dramatically.  Already this year (2020) the shares have paid US$8,848 dividend and my original US$30,000 is now worth US$350,719.75.

Always keep value in mind and stick mostly to country ETFs that represent good value markets.  But if I believe that an investment in a neutral value market can enforce a social value, I am not afraid to invest in it.

The profit does not always materialize.  That’s why it’s important to factor in value and to diversify.

Some years back I invested in an Australian company growing sandalwood plantations.  I believe in the healing nature of essential oils and this project helped make sandalwood sustainable.  I did not properly assess the company’s debt load, (nor the integrity of the management) which impacted the share’s value.  The shares more than doubled in a year before going bankrupt, so I lost the entire $50,000 invested there.

Stop loss management (shame on me for not having it) might have also helped.

This is the nature of stock markets.  They rise and fall.  Some share prices skyrocket.  Other explode.  We can gain safety from the explosions by diversifying in good value ETFs.  Yet when we see a share that represents a value we believe in, it can make sense to invest, if we are careful in assessing the mathematics of the share’s value as well as the social value.


Add Safety, Profit & Get Paid Double

The next four years will be a period of  low stock growth, especially in the US stock markets.

This is based on an in depth analysis by Keppler Asset Management Company in New York using a huge amount of information that includes every stock in 46 stock markets around the world.  I doubt there are few sources of information that contain so much market data at one time.  Our Purposeful Investing Course subscribers look at this data every month.

Last year’s projections showed that the four years ahead would produce good stock market results.  Then 2020 had such incredible growth in markets that I want to zero in on several important points that relate to the next four years of global stock market performance.

First point: Keppler’s Total Return Projections made since 1994 have been very accurate.

The chart below shows the entire real-time forecasting history for the KAM Equally Weighted World Index, starting at the end of 1993.


This last quarter the actual KAM Equally Weighted World Index is only 3.4% below the intrinsic value that Keppler forecast in December 2016.

Second Point: Keppler now projects a much lower return over the next three to five years.

This drop in projected results has little to do with politics.  It’s all about value!  Due to such a sharp rise in each major market last quarter, the projection for every national, index or strategy return projection is now down by several percentage points compared to the September 2020 projection quarter-end last year.  The markets shot up so fast they are simply not such good value now.

The current (December 31, 2020) projection is that the KAM Equally Weighted World Index will see a compound annual total return estimate of 2.6% in local currencies.  That projection is way down from the projection of 6.1% just three months ago.

The upper-band estimate implies a compound annual total return of 7.4% (down from 11.1% three months ago), while the lower-band estimate of  indicates a compound annual total return of minus 3.0% (down from positive 0.4% last quarter).

In other words global markets are overheated and won’t see significant growth in the three to five years ahead.

Third point: The US market will see the worst results of all the major markets into 2024.

Keppler’s projections show negative 3-5 year total returns for the MSCI USA Index for the first time since 2000.


Fourth Point: The Top Value Markets will do best, Asia and Europe will be the best developed markets from now to 2024.

World growth will be stunted by the low US results.  Asia and Europe will catch up with the terrific results in the US over the past 5 years.

The average developed market—as measured by the KAM Equally Weighted World Index—is now under-valued by 29% vs. the cap-weighted MSCI World Index, based on traditional valuation measures..

The Top Value Markets are now undervalued by 39% compared to the MSCI World (Standard) Index and are undervalued 51% compared to the MSCI USA Index.

Keep an eye out for any significant correction in global stock markets.  If so this will be a good time to add to the Pifolio.

The chart below shows the last 26 years of real-time forecasting by the global equity analyst we track to make our portfolio decisions.

More importantly look for markets that pay the highest income now!

Current markets have turned economic history upside down.  Normally bonds pay the highest interest rates and add safety to a portfolio.  Not at this time.

In 2020 many equities paid a higher yield than bonds.

As of February 2021, according to Ycharts.com, (1)  AA bond yields are at 1.57%.

bond yields

The US MSCI Index pays a modest 1.60% as of February 2021 .  That’s a terrible yield, but better than the 1.57% you can get in AA rated corporate bonds.

Just because US stocks pay more than dollar denominated bonds, does not mean they offer the best income deal.  In fact US shares pay one of the lousiest average yields of the 46 stock markets we, via Keppler, monitor around the world.

Eight solid, top value stock markets (shown below) not only add diversification and the best long term profit potential, they pay more than double the average US yield.  They pay  2.89% compared to the US yield of 1.68%.


This is why my core stock portfolio consists of a handful of top value share ETFs and this position has hardly changed in five years.

Let me explain why this strategy adds safety, increases long term appreciation potential and pays almost double short term income right now.

During the past five years, I have been steadily accumulating the same good value ETFs.  I have traded only five times, so my trading costs, my fuss, fiddle and time spent have been kept to an absolute minimum.

I have been investing in iShare country ETFs.  Each one invests in the MSCI Index of one of the top value markets above.

My strategy protects against stock market volatility and yet has potential for the best gains long term from rising share prices by holding an equally weighted portfolio of the best value based country ETFs.

The Purposeful Investing Course uses Keppler analytics to track 46 stock markets around the world into determine which markets offer the best value.

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

Plus Value ETFs are Safer

The people who dominate stock markets include a pack of thieves.  This fact has always been true.  We were recently reminded of this fact when Wirecard AG, one of Europe’s most prestigious companies, listed on Germany’s premier stock-market index, the Dax 30 fooled everyone including its top grade, longtime auditor, Ernst & Young GMBH.

The shares in German fintech company Wirecard AG (symbol WDI fell 63.74% as it filed for insolvency proceedings, after revealing that more than $2 billion in cash missing from its balance sheet was all a fraud.  The company’s market value fell to less than €500 million from almost €13 billion in a week.

Investors have seen this type of rip off again and again, really big scams from Enron to Bernie Madoff and these are just the tip of the iceberg.

Shares in stock markets are manipulated all the time.  Stock markets (in fact almost all types of markets) are led by sharks plain and simple.  Count on this fact.  This is the nature of the beast and the number one goal of many big businesses is to take as much of your money as they can to line their pockets.

In the Wirecard AG example many  thousands of investors have seen their hard work, their thrift, their security and hopes for the future disappear, even though they seemingly did everything right by investing in a blue chip, new era, high tech company.

A study of 92 years of investment returns shows that, despite the fraud and cheating and deceit, stock markets are still a good way to make your money grow… if you invest long term and diversify.


Our Purposeful Investing Course (Pi) strategy makes it harder for cheaters to grab your wealth because it’s very hard to manipulate an entire stock market, much less a dozen or so stock markets around the world.

Manipulators have a hard time tricking an entire market, especially larger markets.  If you get the best value country ETFs, your chances of long term profits improve.

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

Sticking to math based stock market value and country ETFs eliminates the need for hours of research aimed at picking specific shares.   Investing in an index is like investing in all the major shares of the market.  You save time because all you have to do is invest in the ETF to gain the profit potential of the entire market.

To achieve this goal of diversification the Pi portfolio consists of iShare Country Index ETFs managed by Black Rock, Inc.

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.

My developed market portfolio has been diversified into eight developed markets: Germany, Hong Kong, Italy, Japan, Norway, Singapore, Spain and the United Kingdom.

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

The ETFs provide higher income and incredible diversification for safety, plus the highest long term profit potential.

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 most stock markets around the world.

Here’s how you can create your own good value strategy.

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

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

You also receive a 100+ page PDF value analysis of 46 stock markets (23 developed markets and 23 emerging stock markets).  This analysis looks at the price to book, price to earnings, average yield and much more of all 46 markets.

This year I will celebrate my 52nd anniversary of global investing and writing about global investing.  Our reports and seminars have helped readers have better lives, with less stress yet make fortunes during up and down markets for decades.  This information is invaluable to investors large and small because even small amounts can easily be invested in the good value shares we cover in the Pi course.

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

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

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


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

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

If you are not totally happy, simply let me know in the first two months for a full no fuss full refund.

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

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

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

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

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


(1) Ycharts.com corporate bond yields

(1) www.ceicdata.com/en/indicator/united-states/government-debt–of-nominal-gdp

(2) www.statista.com/statistics/273294/public-debt-of-the-united-states-by-month/

(3) https://finance.yahoo.com/chart/Canadian dollar


There is no magic bullet that helps us learn from memories… but this one comes close for me.


My father was in the Seabees during WWII in the Pacific theater.  The Seabees are the Construction Battalions (CBs) of the United States Navy so he was in several island invasions and was wounded by a Japanese sniper during the invasion of Iwo Jima.

The bullet above passed through my dad’s leg giving him a partial disability.  For this he received a check from the VA each month for about $35.

In addition the memory, the scar and the ache in his leg when the weather changed were continual reminders of the horrors of war.

America became the leading nation for 70 years after WWII directed very much by the millions who fought and remembered WWII.

Now most of those veterans are gone, so its harder to remember the horror of such a major global war.

As the world seems to slowly forget, here are some current concerns I have about what politicians might want.

(1) Even more federal debt.

(2) Even greater deficits.

(3) Federalization of bonds.

(4) Blocking investors from leaving the US dollar.

(5) Inflation.

(6) Prohibition of gold.

(7) Delay of November elections or extension of term limits.

Keep in mind almost all of the events took place around WWII.

I fear that the answer some politicians might choose is to start a war (a cold one at least) with China.  Wars give government officials access to greater powers, under the guise of “national security”.

A war would provide the government the ability to implement some (or all) of the seven concerns listed above.

If this happens, it will be a huge error.


The greatest asset humans have as a species is to cooperate and sacrifice short term benefits for greater prosperity in the future.

Cooperative competition between the two largest economies in the world are good for everyone.  We live in a global economy.  Technology has dramatically reduced the limits of time and space, so we can all gain global opportunities.

Yet this benefit means we also face global problems.

Take for example how global problems can spread through the mail.

A Wall Street Journal article “Mystery Seeds Spread Around the World” (1) shows how problems can spread globally via the mail.

Agricultural officials focus on scam; Amazon says packages appear delayed due to Covid-19 pandemic.

The case of the mystery seeds showing up in U.S. mailboxes from shippers in China and other countries has gone global.

The U.S. Department of Agriculture said consumers in at least 22 U.S. states and several other countries had received unsolicited packages of seeds. Canada, the U.K. and Australia all are investigating the matter.

The USDA also reiterated it has no evidence the packages are anything other than a “brushing scam.” In such scams, vendors selling through online retailers like Amazon.com pay “brushers” to place orders for their products, and packages with low-value or no contents are shipped to strangers. Brushers then pose as the buyers and post fake customer reviews to boost the vendor’s sales.

In Derbyshire, England, Susan Westerdale two months ago received a small package labeled “ear studs” with Chinese lettering on the address label. Inside was a pack of small, black seeds that looked like those of a cumin plant, she said. Ms. Westerdale had recently ordered seeds on Amazon and eBay, but the description and origin didn’t match that on her orders.

Problems of this sort are global problems that require global cooperation to resolve.

Don’t get me wrong.  The Chinese (and the Russians) have been very forceful in many ways.  America does have to stand strong, but power does not come from military force alone.

Real global power comes from a thriving population who cooperate and unite their activities and lead the world with prosperity, fulfillment and success.

My concern is that leaders will take a warlike path that benefits a few at a huge expense that must be paid by most of us.

Keep an eye on these concerns because how they evolve can provide you with valuable insights on how to live, work and invest.


Live Anywhere – Earn Everywhere

How to Gain Extra Freedom – While Almost Everyone Loses Theirs.  Profit from post COVID-19 trends.

I invite you to join Merri and me in expecting the world to get better… to live and earn based on that expectation but…  to also prepare for bad times as well as good.

Just in case… the world goes sideways… we will still survive and prosper.

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 my report “Live Anywhere-Earn Everywhere”,  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?


Dining room tables we worked from (and we also sold the tables for a profit).

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 that the changes from the COVID pandemic will bring. 

The wealth of the world, albeit with inequality, will continue to grow.  This collapse of the global economy will bring an incredible new opportunity for those who know what to do.  Thes profit making avenues offer enormous income potential and 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 we grew in our back yard.  I know about growing ginseng through experience and explain why and how in the report “Live Anywhere – Earn Everywhere”.

Loquats are another example of an easy to grow crop that help promote natural health.


Here I am by one of the many loquat trees at our Florida farm.

Loquats are a great fruit for making jam and such, but the loquat leaf has amazing medicinal qualities.  Its is a registered medicine in China and due to its anti viral and respiratory system enhancing qualities has an especially  growing demand right now.   The images below from Amazon.com show that the leaves sell for about a dollar per leaf!

I have many trees on the farm but started growing loquat seedlings last year.


Loquat leaf tea has become really important during the pandemic due to its respiratory strengthening qualities.

I have been drinking a lot of home made loquat leaf tea during the pandemic.

The report “Live Anywere-Earn Everywhere” shows specific places that reduce your living expenses, easily increases your income, makes you smarter, healthier and provides tax benefits as well. 

There are specific places where property is especially inexpensive, now because previous owners do not know about the special qualities created by the pandemic.

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 be enhanced by the pandemic but also 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.


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 we created at our farm brought us pleasure but also helped create a safe, healthy food supply, extra income and 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

(1) www.wsj.com/articles/mystery-seeds-spread-around-the-world-11596119184?mod=itp_wsj&mod=&mod=djemITP_h


Small Gets Bigger

Small is getting bigger. Wealth is really picking up in Smalltown USA.  See a way to earn below in three ways and a share to watch that will gain from trends in small towns.

smalltown usa

We love small towns. Here is our Florida home town.  You can’t get too much smaller… though our closest North Carolina town claims to have less than 200 population.

In Ecuador even the little village of Cotacachi turned out not to be small enough for us, and our main Ecuador focus is back on an even smaller place, Calacali.

Screen shot 2013-01-01 at 10.24.17 AM

Our Ecuador hacienda is backed up to the Pululahua Geobotanical Preserve about 45 minutes from Calacali.

Yet yesterday we issued a BIG promise showing how to turn $499 into $142,035… without risk.  In just one year.

That’s a really BIG promise that we can keep because it comes from thinking SMALL.  Over the decades Merri and I have made numerous bold promises.  The first report we ever published in the 1980s was entitled “How to Turn $250 into $51,888 in Four Years.”

That report was about investing in Hong Kong as it emerged, plus the German, Japanese, and Swiss Stock exchanges as they bloomed.  That trend actually did better than we expected.

Then in the 1990s we promised “Live on $700 a month and make huge profits in Ecuador real estate.”  That trend has also mushroomed past our expectation.

Years later as our readers joined us in the Andes and on the equatorial sea, speaking English only, we began promising “Learn Spanish in Three Days”.  Thousands have learned through this technique and we have teachers sharing this wonderful program regularly.

One can make bold promises when finding distortions, contrasts and trends on the leading edge and small towns are on the leading edge now.

This is where Merri & I look for..to be on the leading edge.  We have spotted new trends.  We have made bold promises.  We have delivered results beyond expectations.

So read this promise with more than a grain of salt.  “You Can Turn $499 into $142,035 in Smalltown USA publishing positive community magazines.

You can read a report to see why this promise is not bold.  Our venture associates  are already earning more that $17,000 a month with their magazines in Smalltown USA.  If earning through writing and publishing interests you, learn more by ordering the report “How to Earn With Positive Community Magazines”  See the report FREE by clicking here.   This is the last day it will be free.

Merri and I make this boldest promise of our career in part due to a great rise in wealth in Smalltown USA.

Excerpts from a recent USA Today article entitled “Wealth rises in USA’s heartland” written by Dennis Cauchon shows why.

The article says: Personal income in the USA’s metro regions and counties and the percentage change from 2007, before the recession and financial crisis.

Small-town America is better off: Inflation-adjusted income is up 3.8% per person since 2007.

The nation’s oil and gas boom is driving up income so fast in a few hundred small towns and rural areas that it’s shifting prosperity to the nation’s heartland, a USA TODAY analysis of government data shows.

The 261 million people who live in cities and suburbs still haven’t recovered earning power lost in the economic downturn. Average income per person fell 3.5% in metropolitan areas between 2007 and 2011 after adjusting for inflation, according to data released Monday by the federal Bureau of Economic Analysis.

By contrast, small-town America is better off than before: Inflation-adjusted income is up 3.8% per person since 2007 for the 51 million in small cities, towns and rural areas.  The energy boom and strong farm prices have reversed, at least temporarily, a long-term trend of money flowing to cities. Last year, small places saw a 3% growth in income per person vs. 1.8% in urban areas.

Small-town prosperity is most noticeable in North Dakota, now the nation’s No. 2 oil-producing state. Six of the top 10 counties are above the state’s Bakken oil field.  “Give us a little shale, and we’ll show some pretty good income growth, too,” says Bill Connors, president of the Boise Metro Chamber of Commerce in neighboring Idaho.

The Boise area’s rank in income per person plummeted from 139th to 251st among metro areas from 2007 to 2011, the biggest drop of any place except Las Vegas, which suffered largely because of high-tech layoffs and a real estate price collapse.

The famous adage of “follow the money” makes sense and in this series we’ll see numerous reasons beyond farming and shale why the money is shifting to Smalltown USA.

You’ll also see why this promise is about more… much more… than just the money.  Our promise to you is that in 2013 we’ll look for ways to earn an excellent income… with less stress, as you are fulfilled and help your community.  This promise is about more than wealth.

On the subject of wealth here is a share that may prosper because of shifts to Smalltown USA… US Steel.

An article in the New Yorker “Welcome to Saudi Albany” explains why.

New Yorker photo

Photo from New Yorker article see link to article below.

The article says:   The people who run U.S. Steel have not had much reason to celebrate in a long time. Once the icon of American manufacturing, the company became shorthand for the country’s industrial decline. For decades, it ignored innovation and was undercut by cheaper Asian producers and outflanked by U.S. start-ups. Its brief glory in the mid-2000s turned out to be fueled by housing-bubble excess; and its stock price has dropped nearly 90 percent since late 2008.

The American steel industry recently received the economic equivalent of a gift from the heavens: natural gas extracted by means of hydraulic fracturing, or fracking.

Fracking involves a whole lot of long steel pipes being sunk into rock formations thousands of feet beneath the ground in search of hydrocarbons. U.S. Steel, which is based in Pittsburgh, also happens to be right on top of the Marcellus Shale, the oil-rich formation that stretches from New York to Ohio. No one knows exactly how much gas is down there, but modest estimates suggest it’s at least 100 trillion cubic feet. Given this bounty, U.S. Steel recently spent $100 million on a facility whose entire purpose is to make “tubular product” for gas companies.

The article tells how US Steel receives and even bigger gift over the next few decades.

The switch from coal to cheaper natural gas will save U.S. Steel hundreds of millions of dollars a year. These savings will be amplified by the fact that the company’s competitors in Europe and Asia will need to pay much more.  In fact, many economists say that fracking will soon fundamentally shift global economic logic to uniquely benefit the United States.

Ed Morse, an influential energy analyst at Citigroup, argues that the natural-gas industry will bring around three million new jobs to the United States by the end of this decade. He also expects that fracking will add up to 3 percent to our G.D.P. and trillions in additional tax revenue. Along the way, it will turn around perennial stragglers, like steel and manufacturing. For millions of workers, there could not be any better news.

Screen shot 2013-01-01 at 8.40.11 AM

Share chart of US Steel from www.finance.yahoo.com

The chart shows the crazy run up of  the mid-2000s fueled by steel demand during the housing-bubble, but in the long term US steel has lagged well behind the Dow Jones Industrial average.  The market has not yet revalued these shares based on these new dynamics coming from this huge economic change.

energy resource map

Energy Information Agency map of shale fields.

These parts of Smalltown USA and the farm belts will probably never be the same. This will bring a lot of work, abundance and jobs… but problems as well.

Fracking Problems

One way to gain in the Smalltown USA phenomenon is with shares that will gain from the growing US gas and oil production.

Another way to gain is by looking at businesses that help solve the problems created by the fracking.  Fracking can be bad for the environment.  Over 80 chemicals are injected into the earth in the process. Many are carcinogenic such as formaldehyde, naphthalene and crystalline silica, which cause all sorts of disease.

There will be increasing amounts of regulation to protect the environment but most will not come from objective scientific studies.  Fracking won’t stop either. Policitics are controlled mostly by economics.   Economically trillions of dollars of new wealth will be created short term and long term environmental and health concerns rarely have a chance.
There is a chance however.  The New Yorker article explains how.

It doesn’t necessarily have to end badly. In the late 1960s, Norway’s economy was immediately transformed when it discovered massive crude deposits off its North Sea shores. Back then, Farouk al-Kasim, an Iraqi-born Norwegian petroleum engineer, warned that all that sudden easy money could create “so much pressure that it will completely overwhelm environmental concerns; the force can undermine moral, ethical barriers.” The money available to the industry and government was so ample, he told me recently, that people soon began to say, “I don’t care, I’m getting rich, to hell with everybody else.”

Norway avoided the curse, and America will, too, Kasim said, because it has a huge, diverse economy.  In fact, the best thing that any U.S. environmentalist can do is to start thinking like an economist — particularly a Norwegian one.  In 1990, Norway began channeling money from oil and gas into a pension fund designed to keep the country stable when the crude ran out.  It’s now the largest sovereign wealth fund in the world, as Norway showed that the best defense against an extraction industry was diverse economic growth.  For environmentalists, and even steel behemoths, it’s a point worth remembering.

Smalltown USA is becoming BIG!  This will bring some good and some bad… but if we are aware of the contrasts, distortions and trends… we can each make a bold promise for the year ahead… to increase our earnings as we do our communities some good.


Learn about how to earn through investments and publishing in Smalltown USA at our February 1-2-3 Super Thinking + Investing & Business Seminar in Mt. Dora.

Seven P Secrets of Self Publishing

When you write, you can work anywhere. 


Here I am working poolside in the winter, at our Florida farm.

gary scott

Here I am with our hound Ma, working during the summer at our North Carolina farm.

Learn how to earn everywhere, while living anywhere you choose.  I have been able to earn by writing in Hong Kong, England, the Isle of Man, Dominican Republic and Ecuador to name a few of the places I have lived.   Anywhere I am,  I am  able to work.

All I need is my laptop.

That’s all you need too… a laptop to be free!

Before computers, a pencil and pad did the job.

Freedom is just one benefit you can gain from a laptop business.

Another benefit is income.   Writing has brought me both our farms in Florida and North carolina, free and clear… plus a lot more.

Another good example of earning potential is my friend Hugh Howey.   He was working for $10 an hour in a book store when he self published his novel Wool, typing in a storage room during his lunch breaks.

Soon he was earning over $100,000 a month on Amazon.com.  This helped secure a six-figure book deal from Simon & Schuster, and an option for film by Ridley Scott, director of Blade Runner and Alien.

That’s what he’s doing now.

Hugh Howey

Hugh and I playing chess (he beats me badly).

Writers like Hugh are great inspirations.

A couple of years ago Hugh  left Florida, and moved to South Africa.  He had a sailing catamaran built for him and now can sail the world while he continues to write.

Hugh explained it like this: And that’s the miracle of working as a writer: I can do it from anywhere and everywhere. The past few years, I’ve done a lot of writing from airplanes and airports while on business trips abroad.  SAND was entirely written overseas while traveling through seven different countries; I think it’s a better story because of those inspirations.  In upcoming years, I may be writing near your home port.

Hugh’s a super star writer and his success could not happen to a more deserving and talented person.  He pours enormous energy into being worthy of his readership.  But you do not have to be a million dollar a year earner or a traveler to benefit from writing.

The good news is… you do not need a huge success to have a rich and fulfilled lifestyle.  Self Publishing can bring you a life that most people only dream of, as a journeyman writer, instead of a super star.

May I hastily add that the path to stardom begins as a journeyman… so the journeyman’s path brings success without stardom… but can also lead to stardom.

What most success stories like Hugh’s rarely explain is the many hours of writing that was devoted before their self published book sales soared.   Hugh, like most writers were journeymen first.  Stardom came later.

Here are sevens secrets that can help you become a journeyman writer. 

The secrets are a writer’s armory of tools that allows almost anyone to create successful publications for income, freedom and fulfillment.

Take Merri’s and my publishing business as an example.  

Merri and I are not writing stars.  We are journeymen who have for more than 40 years, year in and year out, earned solid income writing and self publishing dozens of publications about multiple subjects.

Some years that income has been more than solid… over a million dollars.  Yet in terms of stardom, we are hardly known.

In a moment you’ll see why that’s fine for us and probably will be for you too.

First some history.

Merri became involved in self publishing over 40 years ago… first helping a veterinarian publish a book on a very specific market… animal acupuncture. Then she showed a needle point artist how to sell more books to an even more specific audience… “needle point enthusiasts”  about her needle point work to an audience larger than the population of the city she lived in.  This led Merri to eventually become Executive Editor of an award winning magazine in Florida.

My story allowed Merri and me to work and live from Hong Kong to London to Europe to Eastern Europe, then the Caribbean and then Ecuador… making millions in the process of following our adventures… having fun… while helping a large readership adapt to a rapidly changing world.

That’s what self publishing can bring, profit, adventure and fulfillment, a great feeling of worth and wonder.

Self Publishing has created exactly the lifestyle we desire allowing us to span the world and work with meaning and purpose.

Self Publishing has become a new business art form. 

The seven secrets can help you start your own self publishing business now.

Everything in publishing is new and exciting and changing.  Publishing is being recreated by the wonderful power of destructive technology.

Everything is new… except the seven secrets. 

Change in the publishing industry is disturbing many.   We love this evolution due to these seven secrets we call the 7Ps.  The 7 Ps are so fundamental to writing and publishing that new technology enhances rather than reduces their power.

The First P is Passion.

Whatever your passion, you can immerse yourself in it AND create income with self publishing.  This can be your direct ticket to the kind of fulfillment you’ve always wanted.

Whether you want to travel the world or live as a recluse, work 12 hours a day or not work much at all,  you can set your schedule to succeed, if you’re willing to learn these seven secrets.

You can start part-time with any dream, passion, and budget.  Once you’ve created a product, you’ll enjoy the “multiple effect” of producing profits over and over again.

So the question is… What do you love to do?

What’s Your Passion:  An example is that thirty years ago, a client of Merri’s had a passion to help people who were in pain?  He published a series of pamphlets explaining various chiropractic disorders in very simple terms.  For example: “What Is Whiplash?”

The pamphlets contained solid information, but were simple 5″ x 7″ brochures with drawings and explanations. He sold them with a rack to chiropractors, who put them in their offices for patients to read.  These little self-published items sold year in and year out for decades.

There are thousands of ideas of this sort that can lead to big business.  It’s just a matter of defining and then acting on your passion.

Although I can work when I please and go where I wish, for me the most important reason for being a publisher is the satisfaction it brings. 

I love the projects I take on, so work doesn’t feel like, well… work.

What do you love?  If you love golf, then you can write and sell publications about golf.  Love travel, fishing, dogs, dolls, or art?  Write and sell publications in these fields.

Are you concerned about crime, war, poverty or environmental issues?  You can publish information products that help reduce these concerns.

Would you like to help the world be a more spiritual place?  Publish a newsletter, write a book (or hire someone to write it for you), record a tape… publish something that enlightens people.

Whatever your passion, you can immerse yourself in it and earn income by publishing for ereaders, print on demand, CDs, lists, bound books, or any format you choose.

Be immersed in your passion and get paid well for it. 

This is why stardom is not the main goal for most writers and self publishers.  Extra income, more freedom and fulfillment are usually more than enough enough.

The seven Ps are:

#1: Passion

#2: Problem

#3: Person

#4: Profitably Priced Product

#5: Prospecting Pathway

#6: Promise

#7: Presentation

The first time I exposed others to the secrets in Self Publishing was in a weekend “Writer’s Camp” seminar.  We offered the camp for $1,500. 80 delegates enrolled.  People from all walks of life attended—chiropractors, businessmen, investors, doctors, realtors, inventors, airline pilots, engineers, and housewives.

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

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

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

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

These courses are not theoretical.  They describe, step-by-step, how Merri and I built a million-dollar international business and how we are running this self publishing business right now.   We use the 7Ps today just as we did four decades ago to create a strong annual income.

This correspondence course is for those who would like their own international self publishing micro business for fun and profit. If you want fun, freedom, extra income and fulfillment with your own full or part time writing or want to build your existing business, by writing to sell you can profit from this course.  The course can help who want their own business or who want to have a business together or a family business.  This is the perfect course for those who can no longer find employment, who are looking for ways to earn abroad and who wish to retire and supplement their income.

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

Here is a special offer. 

Whatever your passion, however you do business, chances are you’ll be writing either to create a product or to sell a product. 

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

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

David Cross

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

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

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

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

David is an essential part of our web based business.

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

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

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

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

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

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

Plus you get more in the program.

You receive regular writing and self publishing updates for a year.  Businesses usually need to evolve.  Merri and I continue to publish and have our independent businesses.  Some basics have remained for decades, but new strategies occur all the time throughout the year.  We’ll be sending along updates that share our most recent experiences as we learn and continue to grow our international micro business from Smalltown USA.

My special offer to you in this “Live Well and Free Anywhere Program”, is that you receive:

  • “Self Fulfilled – How to Write to Sell” course
  • Video Workshop by our webmaster David Cross,
  • The entire weekend “Writer’s Camp” in MP3,
  • MP3 Workshop “How to Gain Added Success With Relaxed Concentration”
  • The business course “Eventful Business”
  • Any updates to any of the courses, workshops, reports or recordings for a year

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

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

See success stories from Self Publishers and a few who have attended the “Writer’s Camp” that you will receive on MP3.


USA Today article Wealth rises in USA’s heartland

New Yorker article Welcome to Saudi Albany

Exploration Maps