Q & A With Wisdom of the Masses

by | Aug 21, 2010 | Archives

To share the inner intelligence we all have we are making  Saturday our Question, Answer and Comment day.


Fight fire with fire. Use the wisdom of the masses to avoid them when they stampede!

Please send your questions, opinions  or comments.

The first question this last week is in response to our article “Bless Google for Micro Business Help.

Hello Dear Gary!  I appreciate your comments of enthusiasm about Google but I have to ask you, being such an ardent advocate of our freedoms of net neutrality and the joy of mobility, what you think of the current Google and Verizon push to override the popular will and common good of usa citizens, and press our FCC Chairman to agree to a 2 tiered system … one for the big corporations that is fast… and another one for the little guys that is slow.  Many are disgusted with Google who has a “no evil” in their mission statement or something.

I am sure you are aware that AT&T and Verizon have been scamming away without end to gain a choke hold on our internet by monopoly… As I have been following this with www.SaveTheInternet.com, MoveOn.org and others for years as we the public made our voices heard and made the hearings happen that the FCC brazenly failed to hold… we held them and we held the FCC’s feet to the fire with very articulate content which they obviously did not want to hear as they were prone to a hostile take-over…

My reply:

I have seen a lot of comments about this proposed two tier system and possible sinister applications.

I have never been able to tell what change, nor can I get inside people’s minds to understand their motives.  I assume that big business and government will always try to dominate and take control.

I do not get caught up in this!   To me, “what might be” is so hard to tell.   I think others have this problem also. For example I watched hundreds… maybe thousands of readers get in a snit and waste a lot of time, money and energy worrying about Y2K.

I try to focus on “what is”, use principles of good business…. common sense…. live well, do what’s right for my faith, family, community and society, stay out of debt and trouble and diversify enough so I can adapt to change as it comes along.

I certainly try to figure out how the world is evolving but recognize that the further ahead I am a looker… the more a wronger… I’ll be.  I try to do the best I can with the system… however bent and broken.  The best way to assure a good future is to pay attention to, and do well in the here and now.

To this end so far and for now Google has been great for small businesses.   Google has allowed the small business to compete effectively against big business.  They have recently  moved to crack down on marketing puffery and misleading ads.

This has been really good for small, honest businesses so far.  That “is Google” now.

What will “Google in the future” be?  We’ll see.   It will be a pity if they leave their wonderful “Do No Evil” mission.  History suggests they will.  Most institutions start with a great purpose and then institutionalism takes over. Orwell wrote of this in “Animal Farm”. The Chinese told of this thousands of years ago when they wrote “The man drinks the wine. then the wine drinks the wine and then the wine drinks the man”.  History also suggests that if I worry too much about that future “now”…  I’ll fail in my current business so won’t have to worry about Google later.  So as far as business is concerned… I’ll end this answer with a phrase from big business that grew in my home town of Portland, Oregon… Nike. Their motto “Just Do It.”  Or  share a piece of advice on how to do business from another friend of mine… “Ready… Fire… Aim.”

wisdom of the masses

My dad was a zoo keeper in Portland and the zoo there had one of the largest elephant herds in North America. (not these above though!) I learned early on that when the big guys stampede… get out of the way. They will stampede so instead of fretting…. just be prepared.

Next Question. Several readers sent me a note on the theme of income and the future.

Dear Gary,  We retired about a year ago, moved to the Panhandle of FL and own our house there.  We have no debt.  We have enough social security income to cover our monthly expenses but I am concerned about coming inflation…and I am concerned about losing a significant part of our social security in the future due to the impossible and worsening national debt, and the falling dollar.

I have been trying to develop an overall plan for our finances going forward.  I have about 125K, plus 60K from a 401K which I rolled-over into an  IRA, plus another 80K (this last chunk I would like to invest in something super safe).   My Question: At this point in time, what would be the best way to use these funds to 1) generate about 1000/mo income to supplement our social security, and 2) invest what is left over to get the highest return over the long term and 3) invest 80K safely (so it serves as a safety net)?

From what you have written, currency sandwiches betting against the dollar sound the safest and most profitable…but I would like your wisdom on that.

Options I have thought of and have been trying to sort out: To generate income, I thought of buying a couple of Florida rental houses while real estate prices were low – but because we are at what seems a unique spot in history I worry they won’t rent dependably and I will create a drain on our income instead of a boost.

To invest to get the highest long term return, I have considered U.S. stocks, US. dividend-paying stocks, emerging market stocks, and currency sandwiches betting against the dollar (using your service).  And to provide some protection in case of a world-wide financial collapse, I have wondered about investing some money in gold, platinum or silver….possibly the 80K.

Small Global Business:  Then, I want to start a small internet-based global business as you advise….most likely revolving around writing, nutrition, flying.
Thank you,

Next Question on a Similar Vein.

Dear Gary,  I have subscribed to your newsletters for a very long time and really enjoy reading them.  I need some advice and was wondering if you could take the time to help me.  You are very knowledgable in so many things and I would trust you.

I am a single mom with a 13 year old son.  I am filing bankrupts and about to lose my house.  We live in CO.  Because of crushed disks in my back and severe depression I am presently unable to work. I have always worked, though….  25 years as a public school teacher in CA.  My ex spouse has stopped my medical insurance and all means of support. This was a domestic relationship, so she has no obligation legally to help me. I will be able to collect teacher retirement, $672.00 per month when I turn 55, but that is 4 years from now.  I have $30,000 left of savings  before my son and I will be without anything. Since my ex left me 4 years ago,she has been supporting us, but has now stopped. I could not pay my bills with what she was sending me so I have spent 40,000 of the 70,000 I had saved for my retirement. That $70,000 was supposed to be for my retirement, and now I only have 30,000 left.  I don’t have any family for support and I just need some advice.

My son and I lived in Cuenca, Ecuador for 4 months last year, so we are familiar with the area and loved being there.  Here is my question.  Do you think my son and I could live for 4 years in Cuenca with $30,000?  I would need extensive medical care, pain meds. etc while living there.  My son is a homeschooler so paying for private school would not be an issue.  When my retirement payments start I would be bringing in only $672.00 per month.  Please help me Gary.  I would trust your advice. Thanks.

Police officers stand next to the gates prior to the warmup match between North Korea and Nigeria in Johannesburg on Sunday.

When the masses stampede (this is a soccer game between South Korea and Nigeria in South Africa in a CBC.com article), they can lock you in bad situations.


Specifically I think this second reader should stay where she is for now and look for a business opportunity… perhaps in child care.  If she is home schooling her son… maybe she can add a few more. Here is a more general philosophy that applies to both the questions above.

In last week’s Q&A Last week this question and the reply I provided showed two emerging market funds.  However let’s look deeper into the philosophy of layering and PIEC investing that we have reviewed so many times in the past as this philosophy will help these readers see how to create the correct response to their situations and how they relate to their lifestyle desires.

I personally have a  stagflation portfolio, one designed to prosper in recession or inflation.

We have been looking at the battle between inflation versus deflation. for several years and almost every day we can see another sign one way or the other.

This is ruining the US dollar and creating potential inflation in the US.

Whichever, inflation and a economic recovery or inflation and recession…I am betting on inflation as part of the tune.

You can read more about a stagflation portfolio here.

The foundation of my stagflation portfolio is my PIEC (Personal Income Earning Corridor) investments…  investments (in my own micro business) where I can integrate my energy… my experience… my service and efforts…. my passions with some of my savings.

PIEC business does not mean you should put all your money in just your own business (though at times you may). Diversification is always good. PIEC diversification again departs from the financial planning norm.

PIEC portfolios come in three layers, first the micro business, then a layer of very safe investments and third, a smaller layer of speculative deals.

The majority of PIEC diversification should be in stodgy, liquid investments such as utilities, CDs and bonds. These investments might pay little in the short term, but are safe and they are highly liquid at a known price. The low return on these investments is acceptable because they support your PIEC business which makes profits like few other investments can. These very safe investments act as reserves if your business hits a sticky patch and can provide ready finance if sudden business opportunities arise. They also don’t take up much time in research, accounting, watching the market, etc. so you can devote your energy doing what you love (your business) instead.

The third layer of diversification can be speculative because modern portfolio theory suggests that safe investments are enhanced and made safer by adding a small amount of higher risk deals. This also allows us to fulfil any casino mentality we might have left if having our own business is not enough.

PIEC investing makes it easier to create and keep wealth. It enhances our lifestyles now, because it lets us make money being who we really are. It makes life more fulfilling and fun.

See more about Three Phase investing and The Power of Passion in Wealth Building

One can survive recessions and use them to get ahead.  So how does one survive such dangerous times?

First, recognize that recessions are a natural part in the economic  scheme of things.  Recessions are simply economic fasts. Fasting in nature helps cleanse and helps one live longer and better.

Tight economies are the best times for making money.  Recessions reduce competition and make it easier to access good labor. Both businesses and employees are more realistic in tough times.

Tough times force us to do what we should have been doing. Human nature being what it is gets fat when the times turn easy.  Recessions trim us up!

Here are seven tips on how to fight hard times. They are good to heed anytime.  When economies boom, we might ignore them and succeed.  If we ignore them now during a recession, it is at our peril.

#1: Look for every way you can to trim expenses.

#2: Do not be inflexible or proud. A seminar delegate told me about a friend who had risen from a zero net worth to having an Internet portfolio worth $300 million. “Then,” the delegate said, “he lost it all when the bubble burst. He went right back to where he started.”

That was not quite right. That investor did not go back to where he started. He most likely acquired bad habits when he thought he was worth $300 million! Unless he shed those habits when he went broke, it will make it harder for him to succeed again! In good times, we may think we deserve a certain way of life or that some things (luxuries for instance) are our inalienable rights. Really our only economic right is to spend a little less (maybe 90%) than we earn.

#3: Always save. No matter how tough the times always try to save at least 10% of your income. Those who do this almost never run into economic trouble.

#4: Look harder for the silver lining. There are more in bad times than good. An old British saying is “Where there is muck there is brass”. Business is solving problems and difficult times create problems. Look for ways that you (and/or your investments) can help others squeeze through tight times.

#5: Be positive. One of the greatest risks in recession is a can’t win attitude. If the economy falls drastically (say 30%), you still only have to be in the top 70% to get by. The entire history of modern humanity has been one of long term growth chopped by short term recessions. Current conditions are nothing new.

#6: Remain true to your economic plan. Use three phase investing as described above.

Do not panic and stick by your investments (assuming they were made intelligently to begin). This will increase your odds of success and help you with step seven.

#7: Maintain perspective. Rethink Priorities.  Use a slowdown to rethink your grueling schedule.  Think about pursuing work that might pay less but is more meaningful. We live in the richest, most incredible era that mankind has ever known. Our poorest have more than the richest of just centuries ago. Yet this can be hard to remember when caught in the day-to-day rush of the material rat race.

Final Question for this week:

Thank you for the continuous dream mails. they really keep me going. and one day you may be telling my story of liberation. I was just wondering if the recent earthquake was a news maker or just a non event? I am in Saudi Arabia, and talking about the weather just doesn’t happen like in the rest of the world. This is because it is always hot. I have looked at someone and said, hot eh, and they just give you a strange look and politely say ‘yes it is’.

My Reply:

Thanks for the kind words.  I have been in England and the US and had not heard anything at all about the earthquake but Googled Ecuador earthquake

Christian Science monitor reports: “Ecuador earthquake tops magnitude 6.9  Ecuador earthquake: The epicenter about 100 miles from the capital, Quito, but so far no reports of damage or injuries have been reported.”

Huffington post said:  “Ecuador’s magnitude-7.1 earthquake interrupted a Thursday morning newscast in Guayaquil. While visibly shaken, the station’s crew of reporters maintain their composure though the room is rumbling around them.” The quake struck hit at approximately 6:54 a.m. and was felt across much of the nation, including the capital city, Quito.”

US Geology Survey site said:


Not one person in Manta or Ecuador has written to me about this so I think it was a low level event as the epicenter was about 100 miles from the major centers of population. However read more about earthquakes in Ecuador here.

Questions for next week. Here are the questions I’ll answer next week, but I would like your input as well.  Help us out and share your thought.

Question Next Week: Hi Gary, you asked for it!  Your thoughts on the merits of collective wisdom were interesting and in my opinion right on the money.

I believe in the democracy as the best form of government. Direct democracy is for the most part not practical therefore I suppose representative democracy is second best.

In the USA there is considerable “interference” with the purity of this process. Your 1906 example of 800 people judging the weight of the oxen worked because each individual viewed the oxen personally. For US citizens to apply worthwhile collective wisdom in the operation of our country we must each receive similar, accurate information about issues on which we are to make decisions.

I have friends who get all their information from Fox News and have a considerably different view of the world than I do. Other friends get their information from MSNBC and have another view point.

It seems that sustaining all of our “freedoms” will depend on the primary freedom that a modern democracy relies on which is “freedom of the press”. This term should today be “freedom of the media”. Democracy requires a media that presents accurate information without the influence of their corporate owners, reporters, or others, and lets us develop our own opinions.

Today after years of unbridled consolidation, 90% of all US media (TV-Radio-Publishing-online-etc.) is owned by 5 giant entities. All of these five are interested in making money much more than presenting unbiased news.

My question to you is; Can our form of government long exist when our collective wisdom is constantly bombarded with information tainted with opinion which supports a prejudiced view point, instead of neutral, impartial reporting by journalists dedicated to the truth as they witness it or discover it through investigation?

Questions Next Week About Debt:

I wish I had sufficient cash flow to finance my life without debt but alas that is not the case.  Can debt be beneficial sometimes?  I have a lot of real estate debt but I always make sure that I keep it in control.  In my financial statement I have a line item for my overall debt ratio.  37.8% at the moment.  I also make sure that my debt is for things that pay me.  Cash flowing real estate.  I insist on a minimum 20% cash on cash return, and usually make much more.

But here is my question.  The US government has a real debt problem which they will need to “solve”.  Probably with higher inflation.  So isn’t it beneficial for me to have the same “problem” so they can inflate away my debt too?  Note that I have no car or credit card  debt.

Another Question for Next Week About Debt:

Good Morning, Gary:

This morning’s article on the 99’ers was revealing and chilling. I am especially blessed because I was career military under the “old plan”: 50% of base pay at the highest rank I held. That and early collection of Social Security for my wife and I keeps us relatively comfortable–for the present. Frankly, I have an ominous feeling that these benefits may be cut or lost at some point. That is a major reason why your information on international living alternatives, is of great interest to me.

Here’s my question. I have some debt from a surgery a few years ago and some failed business attempts–less than $10k US. Of course, there’s the note on the car. Do you have to be debt-free to make the move to Ecuador, Mexico or wherever? Would it make sense to pay off the debt faster by taking advantage of the lower living expenses overseas.

Question… Actually Comment.

Gary –  Re “The Wisdom of Crowds” – As with other pop-psych and pop-economics books, I had a lot of problems with this book (not least because it conflates a “crowd” with a “flock”. Also, the “wisdom” contradicts many of the points in your own living and investment strategies.

That said, I agree that a blog with the experiences – bad as well as good – of expats is a great idea. Don’t know if you follow Gringo Tree, but the reports of expats lasting 6 months or less before giving up and going home are tragic. Advice when you’re making a major move – even within the US – is give it at least 2 years. No matter where you go, things are really different from what you are used to. In my own case, when I moved from NYC to Seattle, I did give it 2 years at the end of which I realized I would never fit into the Pacific NW and came back to NY.

Although there is no way to prepare for the huge changes of a major move, people need to realize that things will be different, that not all the differences will be wonderful, and it’s they who will have to adapt not the place to which they are going.

Send your opinions and or questions!


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.