A recent photo of my mom with our grandson (her great grandson) Leo.
Mom just passed her 89th birthday and is going strong except during the times when every once in awhile the system almost kills her.
A few years ago she was in the hospital and my sister, son-in-law and daughter posted a 24 hour vigil… not to just be with her but to protect her from the system. I won’t go into the horror stories because I have a new one that just happened last week.
Mom had a case of the shingles. The MD prescribed pain killers (so we were told) and she struggled through it but after the singles disappeared she was beset with a series of problems… confusion… hallucinations… lethargy… swelling in the legs… and heart arrhythmia so bad a nurse could not get an accurate pulse reading.
We were worried thinking her immune system had been stressed which led to circulation problems and the difficulties with the heart.
She was taken to the hospital and our daughter, Cinda, who is a veterinarian, went to check things out. She discovered that the medicine they gave her was not a pain killer but a tricyclic antidepressant… the same stuff she gives to cats with urinary disturbances. The list of contraindications are… you guessed it… confusion… hallucinations… lethargy… swelling in the legs… and heart arrhythmia.
No one seemed to be aware of this and if Cinda hadn’t made a fuss… Mom could have been lost to the system. Once we got her off these and dried out (they are highly addictive) she returned to normal.
The sad fact is… this is such a really small incident in the bigger picture that is horrifying.
The website Medicalnews.com says: Hundreds of thousands of people in the USA died due to potentially preventable, in-hospital medical errors each year.
To put this in perspective, an online Medical Ethics textbook fro the City University of New York says: According to a recent study from the National Academy of Medicine, each year more people die from medical errors than from motor vehicle accidents, breast cancer, or AIDS. The number of deaths caused by malpractice also exceeds the number of deaths in the U.S. caused by accidental falls, drowning, and aviation accidents combined.
One cannot blame just the MDs. One cannot blame just the insurance companies. One cannot blame just the insurers. One cannot blame just the pharmaceutical companies. One cannot blame the government.
Forget the blame because each of these establishments is as caught in the system as much as it is part of it just as we are. When you put each of them and their pressures all together they are the bigger system that is wicked but it is there and that we have to survive.
This system may grow even worse as new health insurance laws are imposed upon us as well.
One can cast blame anywhere within the system but let’s start with big pharma. We can see vast corruption in this part of the system.
A recent USA Today article entitled “Drugmakers have paid $8 billion in fraud fines” by Kelly Kennedy says: The nation’s largest drugmakers have paid at least $8 billion in fines for repeatedly defrauding Medicare and Medicaid over the past decade, but they remain in business with the federal government because they are often the sole suppliers of critical products, records show.
Pfizer spent $12 million lobbying Congress in 2011.
Pfizer, the maker of drugs that help alleviate arthritis and other ailments, has paid almost $3 billion in fines since 2002 and entered into three corporate integrity agreements with the Department of Health and Human Services aimed at preventing future fraud. It and other companies are fighting attempts by Congress to exclude them from government business because of their history of fraud.
Merck, another pharmaceutical giant, paid $1.6 billion in fines since 2008, Medicare and Justice Department records show, to resolve claims it was not paying proper rebates to the government.
These companies are defrauding the public pure and simple… taking cash out of the taxpayers pocket. Yet the corruption gets worse. Taking money is one thing. Risky lives a more heinous crime.
A recent New York Times article “Glaxo Agrees to Pay $3 Billion in Fraud Settlement” by Katie Thomas and Michale Schmidt says: In the largest settlement involving a pharmaceutical company, the British drugmaker GlaxoSmithKline agreed to plead guilty to criminal charges and pay $3 billion in fines for promoting its best-selling antidepressants for unapproved uses and failing to report safety data about a top diabetes drug, federal prosecutors announced Monday. The agreement also includes civil penalties for improper marketing of a half-dozen other drugs.
The fine against GlaxoSmithKline over Paxil, Wellbutrin, Avandia and the other drugs makes this year a record for money recovered by the federal government under its so-called whistle-blower law, according to a group that tracks such numbers.
In May, Abbott Laboratories settled for $1.6 billion over its marketing of the antiseizure drug Depakote. And an agreement with Johnson & Johnson that could result in a fine of as much as $2 billion is said to be imminent over its off-label promotion of an antipsychotic drug, Risperdal.
We would hope that the government would correct this but when we look to our supposed protectors the corruption grows even worse.
A New York Times article “In Vast Effort, F.D.A. Spied on E-Mails of Its Own Scientists” by Eric Lichtblau and Scott Shane says: WASHINGTON — A wide-ranging surveillance operation by the Food and Drug Administration against a group of its own scientists used an enemies list of sorts as it secretly captured thousands of e-mails that the disgruntled scientists sent privately to members of Congress, lawyers, labor officials, journalists and even President Obama, previously undisclosed records show.
What began as a narrow investigation into the possible leaking of confidential agency information by five scientists quickly grew in mid-2010 into a much broader campaign to counter outside critics of the agency’s medical review process, according to the cache of more than 80,000 pages of computer documents generated by the surveillance effort.
Moving to quell what one memorandum called the “collaboration” of the F.D.A.’s opponents, the surveillance operation identified 21 agency employees, Congressional officials, outside medical researchers and journalists thought to be working together to put out negative and “defamatory” information about the agency.
The agency, using so-called spy software designed to help employers monitor workers, captured screen images from the government laptops of the five scientists as they were being used at work or at home. The software tracked their keystrokes, intercepted their personal e-mails, copied the documents on their personal thumb drives and even followed their messages line by line as they were being drafted, the documents show.
Was the government cracking down on scientists who were not doing their job? Apparently not! They were spying on FDA scientists who were saying that the FDA officials were not doing their job. The article went on to say: The extraordinary surveillance effort grew out of a bitter dispute lasting years between the scientists and their bosses at the F.D.A. over the scientists’ claims that faulty review procedures at the agency had led to the approval of medical imaging devices for mammograms and colonoscopies that exposed patients to dangerous levels of radiation.
That’s the system we have had to live with. We should do all we can to change the system politically. We should do all we can to change the system with our purchasing power. We should do all we can to survive the system.
More importantly we should all do what we can to change the system by changing our lifestyles. In this case this means to clean up our act… improve our nutrition…. increase our exercise and reduce our stress. Stay out of hospitals… do not take drugs.
Many readers are leaving the USA and moving to countries like Ecuador where the cost of health care is not so high and the system not so corrupt.
The first step in improving our lifestyle wherever we go is to ignore the noise and seek value. We are bombarded daily by noise from Madison Avenue. A never ending stream of loud spin is aimed at our packet books. The goods sold are usually spoiled… bad food… high priced fashion… distorted values and ethics all appealing to vanity, pride and valueless ideals.
Mark Twain summed up the problem of our human nature when he said “Man will do many things to get himself loved, he will do all things to get himself envied”.
Twain understood human nature. He also understood advertising when he said: “Many a small thing has been made large by the right kind of advertising“.
Our vulnerability to fear and greed as human beings to the misconceptions we are regularly fed is the gate way into the system.
Understanding good value is the tricky part.
This is why once a quarter we look at a major and emerging equity market valuation analysis by Michael Keppler. Michael’s firms are the best when it comes to value analysis of stock markets.
Here is an update on the values of major stock markets by Keppler Asset Management.
If you are a new multi currency subscriber learn about Keppler Asset Management here.
Recent Developments & Outlook
The strong recovery in June was not enough for Global Equities to recoup the losses suffered in April and May.
The Morgan Stanley Capital International (MSCI) World Total Return Index (with net dividends reinvested, December 1969 = 100) finished the second quarter down in US dollar terms -5.1 % and in Euro down -0.4%, respectively.
After advancing 2.6 % versus the US dollar in the first quarter 2012, the Euro gave up 4.7 % in the second quarter. It now stands at 1.2691 (USD/EUR) compared to 1.2982 at year-end 2011.
Three markets advanced in the second quarter, twenty-one markets declined.
Belgium had the highest return (+5.3 %), followed by Denmark (+1.6 %) and Ireland (+0.1 %).
Greece (-24.8 %), Finland (-17.7 %) and Portugal (-14.3 %) performed worst last quarter.
Performance is shown in local currencies, unless mentioned otherwise.
There were four changes in our performance ratings last quarter: Australia, Hong Kong, Singapore and the United Kingdom were upgraded to “Buy”.
The Top Value Model Portfolio now holds the ten “Buy”-rated markets Australia, Austria, France, Germany, Hong Kong, Italy, Japan, Norway, Singapore and the United Kingdom at equal weights.
Multi currency subscribers can see the neutral and sell markets plus a full 85 page report on current market valuations at their password protected multi currency site. Click here.
According to our analyses, a combination of these markets offers the highest expectation of long-term risk-adjusted performance.
The chart below shows the entire real-time forecasting history of Keppler Asset Management Inc. for the Equally Weighted World Index.
These numbers are based on relationships between price and value over the previous fifteen years. The chart includes the two most remarkable recent episodes, the five-year period (1997-2001) during which the Equally Weighted World Index stayed above the upper valuation band and the downturn starting in October 2008, when the Equally Weighted World Index fell below the lower valuation band, where it has stayed ever since.
Our implicit three-to-five-year projection for the compound annual total return of the Equally-Weighted World Index now stands at 17.0 %, up from 15.3 % last quarter.
The upper-band estimate of 14,036 by June 30, 2016 implies a compound annual total return of 22.5 %, while the lower-band value of 9,358 corresponds to an estimated compound total return of 10.7 % p.a.
Now, investors may ask what makes us so optimistic. Here are some insights into the underlying fundamentals that drive stock prices over the long run.
With the exception of earnings, which have declined by 5.6 % compared to the end of June 2011, fundamentals have continued to improve over the last 12 months: Book values, cash flows and dividends of the Equally Weighted World Index grew by 6.9, 4.1 and 8.9 percent, respectively.
Compared to the end of 1999, when the valuation of the international stock markets peaked, book values have grown by 9.1 % p.a. Over the same 12 1⁄2 years, cash flow grew by 8.1 %, earnings by 8.3 % and dividends by 8.8 % compounded annually – in spite of two bear markets during this period and the most severe financial crisis since the 1930’s.
Companies have been and are doing just fine on average worldwide, and after 12 1⁄2 years of shrinking multiples, this trend should have exhausted itself and will very likely run out of steam over the coming years.
Given the current low levels of interest rates – real rates are negative in most places – a turnaround in the valuation levels may come sooner rather than later.
What remains important for the strategic long-term equity investor is that we do not have to be right on the magnitude of our projections, but only directionally for investors to make money.
Keppler Chart. Click on photo twice to enlarge.
Thank you for your trust in our work. Michael Keppler July 2012
We are a system living within a system. All systems are composed of three forces of… growth…continuity and…destruction.
If we make our own personal system more in tune with reality rather than fashion… we gain strength in our energies of growth and continuity. These strengths help balance distortions in the bigger system that we help form. Look for ways to improve your natural health and in building wealth, always avoid the noise of fear and greed and seek instead good value.
Learn more about how to gain balance through value at our upcoming Super Thinking + Investing and Business Seminar this October 5-6-7 2012.
Better still join the International Club and attend this seminar FREE.
Belong to the International Club
The Huge 2020 RiskHere is a huge risk that could explode in 2020.
I hope I am wrong… but the numbers are clear.
According to Treasurydirect.com, (1) as of December 26, 2020 the total US public debt was 23 trillion and 845 billion dollars.
This is not a theoretical problem for the future. This is not something that our children and grandchildren will have to deal with. This is a problem in the here and now for you and me.
Rising interest rates create a massive problem for every American.
Look at how the interest costs alone have risen to over a half trillion dollars a year.
The bad news is that the (US federal debt) is getting bigger….harder to miss. The Congressional Budget Office (CBO) projected in 2010 (the debt then was a bit over 14 trillion) that, under law at that time, debt held by the public would exceed $16 trillion by 2020, reaching nearly 70 percent of GDP.
The $7 Trillion Error.
They sure goofed on that. Here we are… only in 2020 and debt has shot past 23 trillion.
How could the CBO be so wrong?
The CBO screwed up because they could never imagine that the Fed would push interest rates so low… and keep them there. The interest rates are so low that the government has been able to borrow more than imagined and still afford the interest.
For example, US Federal government interest last year amounted to around $573 billion. Yet in 2008 on debt of only $9 trillion + the interest that year was $451 billion +.
Interest payments in 2017 were 27% higher than they were in 2008. Yet the debt is over 250% higher.
Very low interest rates have helped the government borrow. Low interest has also helped the US stocks reach all time high prices.
The government will resist raising rates because it will ruin their budget, cause a collapse of the stock markets and destroy the US dollar.
Rising interest rates, will create an almost unimaginable debt crisis. If government interest doubles it is like the $23+ trillion national debt rising to 46 trillion! Unless there are some huge tax increase the interest payments are not sustainable.
Learn how to have more freedom and time, less stress, better health care, extra income, greater safety and profit in your savings despite America’s deficits, debt and currency risk.
Fortunately there are secrets that will allow a few to live much better, free of debt and worry despite the decline in the dollar’s purchasing power. My wife, Merri and I, have traveled, lived, worked and invested around the world for nearly 50 years to gain this information.
Let me share the basics of this data and how we can be of help through 2020.
The first fact behind this secret is that things are really good in the western world. Despite many problems, we are surrounded by more abundance and greater opportunity than almost anyone has ever enjoyed, anywhere, ever. To enjoy a fair share of this wealth, all we have to do is understand human nature and learn how to invest in the new economy, as it changes and becomes new, again and again.
Merri and I have made seven huge transitions in the 50 years. Each has allowed us to always stay ahead of losses that the majority of Americans suffer. We are in another transition right now and want to share why and what to do so you can stay ahead and live a richer, independent life through 2020 and beyond.
A falling US dollar is one of the greatest risks we have to our independence, safety, health, and wealth, but also brings a window of huge profit as I explain below. Though the greenback has been strong for a number of years, its strength is in serious jeopardy. The growing federal deficits increase the national debt and this with rising interest rates propels a growing debt service.
While the Dow Jones Industrial Average passed a record high, the U.S. national debt passed the $20 trillion mark.
The problem is that the Dow will come back down. National debt will not fall.
The double shock of money fleeing Wall Street and US debt skyrocketing, will destroy the purchasing power of the greenback.
Go to the store even now. Statistics say inflation is low, but buy some bread or, heaven forbid, some fresh vegetables like peppers or fruit. Look at the cost of your prescription or hospital bills. Do something simple like have your car serviced at an auto dealer. Look at the dollars you spend and you’ll see what I mean.
The loss of the dollar’s purchasing power erodes our independence, our freedom and our savings and wealth as well.
At the same time, low interest rates by big banks and higher health care costs soak up the ever diminishing income and savings we have left. According to a Gallup poll, the most unpopular three institutions in America are big corporations & Wall Street banks, HMOs and Congress.
Yet there is little we can do because these institutions are in control.
Over the last 50 years the average income for 90 percent of the American population fell. Our health system is restricted by a Kafka-esque maze of legislation and insurance regulations that delay, frustrate, and thwart attempts by patients and doctors from proper medical care. Big banks and corporations restrict our freedom of choice. The business customer relationships are no longer transactions between free equals.
Banks can trap us in indebtedness at every age from student loans to mortgages to health care costs. They pay almost nothing on our savings. They hide unexpected fees and payments in complex and unreadable documents. Banks and big corporations routinely conceal vital information in small print and then cheat. Weak regulations and lax enforcement leave consumers with few ways to fight back. Many of these businesses ranging from cable TV to phone and internet service to health insurance have virtual monopolies that along with deceptive marketing destroys any form of free market.
These same companies control the credit-scoring agencies so if we don’t pay unfair fees, our credit scores will plunge and we could lose the ability to borrow money, rent an apartment, even to get a job. Many consumers are forced to accept “arbitration clauses” in lieu of legal rights. The alternative is to lose banking, power, and communication services.
Big business has also usurped our privacy. Internet companies sell our personal data. Personal information is pulled from WiFi and iPhones track and store our movements. The government can access this information, sometimes without subpoenas. There’s a lot that we don’t know, often withheld under the guise of “National Security.”
The glow on Western democratic capitalism has dimmed… or so it seems. The US, leading the way, is still a superpower with economic, innovation and military might, but the institutions that should serve the people have become flawed or broken.
America’s infrastructure is in shambles. The nation’s bridges are crumbling, many water systems are filled with toxins, yet instead of spending more to fix this, we build more prisons. The 2.2 million people currently in jail is a 500 percent increase over the past thirty years. 60% of the inmates belong to ethnic groups. Not just non-white ethnic groups are suffering. Annual death rates are falling for every group except for middle-aged white Americans. Death rates are rising among this group driven by an epidemic of suicides and afflictions stemming from substance abuse, alcoholic liver disease and overdoses of heroin and prescription opioids.
America’s middle class is shrinking. Nearly half of America’s income goes to upper-income households now. In 1970 only 29 percent went to this group. How can we regain our freedom, our happiness and our well being in such a world?
What can we do?
Gain a better, freer life is to combine better health, higher income and greater savings for a happier, more resilient lifestyle.
Merri and I will celebrate our 50th year of global living, working, investing and researching to find and share ideas on how to have simpler, low stress, healthier, more affluent lifestyles. Our courses, reports and email messages look at ways to gain:
#1: Global micro business income.
#2: Low cost, natural health.
#3: Safer, more profitable, investments that take little time or cost to buy and hold… so you can focus on earning more instead
Many readers use our services for just one of these three benefits. They focus only on health or on earning more or on better, easier investing.
28 years ago Merri and I created the International Club as a way for readers to join us and be immersed in all three of these benefits. The International Club is a year long learning program aimed at helping members earn worry free income, have better affordable good health and gain extra safety and profits with value investments.
Join us for all of 2020 NOW.
The three disciplines, earning, health and investing, work best when coordinated together. Regretfully the attacks on our freedom are realities of life. There is little we can do to change this big picture. However we can change how we care for our health, how we earn and how we save so that we are among the few who live better despite the dollar’s fall.
We start with better lower cost health care.
Club membership begins by sharing ways to be free of the “Secret Hospital Charge Master”. Just as governments hide truth behind “National Security”, big health care businesses hide medical truths behind “Charge masters”. Most hospital charge masters are secret because big business does not want us to know how much hospital costs have risen. Motivations beyond our good health, like corporate greed, want to keep us in the dark about health care cost.
Despite rising health care costs, a report from the Centers for Disease Control & Prevention shows that hospitals are the last place we want to be for good health. One report shows that hospital-acquired infections alone kills 57% more Americans every year than all car accidents and falls put together.
Often, what patients catch in the hospital can be worse than what sent them there. Governments and health care agencies agree – antibiotic resistance is a “nightmare.” An antibiotic-resistant bacteria may be spreading in more hospitals than patients know. About one in every 25 hospitalized patients gets an infection and a report from the Journal of Patient Safety showed that medical errors are the third-leading cause of death in the country.
Along with the risk of hospital acquired illness and medical errors, the second huge threat to our well being… is health care costs, especially at hospitals. This is why charge masters are so often secret. There are few risks to our wealth that are greater than a hospital stay.
I have created three natural health reports are about:
Each report is available for $19.95. However you’ll receive this free as club member and save $59.85.
Club members also receive seven workshops and courses on how earn everywhere with at home micro businesses. We call this our “Live Well and Free Anywhere Program”. The program contains a series of courses and reports that show ways to earn and be free. These courses and reports are:
- “International Business Made EZ”
- “Self Fulfilled – How to Write to Sell”
- Video Workshop by our webmaster David Cross,
- The entire weekend “Writer’s Camp” in MP3
- The report “How to Raise Money Abroad”
- Report and MP3 Workshop “How to Gain Added Success With Relaxed Concentration”
- The course “Event-Full – How to Earn Conducting Seminars and Tours”
This program is offered at $299, but is available to you as a club member free. You save $299 more.
Next, club members participate in an intensive program called the Purposeful investing Course (Pi). The purpose of Pi is finding value investments that increase safety and profit. Learn Slow, Worry Free, Good Value Investing.
Stress, worry and fear are three of an investor’s worst enemies. These destroyers of wealth can create a Behavior Gap, that causes investors to underperform in any market good or bad. The behavior gap is created by natural human responses to fear. Pi helps create profitable strategies that avoid losses from this gap.
Lessons from Pi are based on the creation and management of a Primary Pi Model Portfolio, called the Pifolio. There are no secrets about this portfolio except that it ignores the stories from economic news (often created by someone with vested interests) and is based mainly on good math that reveals the truth through financial news.
The Pifolio is a theoretical portfolio of MSCI Country Benchmark Index ETFs that cover all the good value markets using my 50 years of global experience and my study of the analysis of four mathematical investing geniuses (and friends).
There are seven layers of tactics in the Pi strategy.
Pi Tactic #1: Determine purpose and good value.
Pi Tactic #2: Diversify 70% to 80% of portfolio equally in good value developed markets.
Pi Tactic #3: Invest 20% to 30% equally in good value emerging markets.
Pi Tactic #4: Use trending algorithms to buy sell or hold these markets.
Pi Tactic #5: Add spice speculating with ideal conditions.
Pi Tactic #6: Add spice speculating with leverage.
Pi Tactic #7: Add spice speculating with forex potential.
The Pifolio analysis begins with a continual research of international major stock markets that compares their value based on:
#1: Current book to price
#2: Cash flow to price
#3: Earnings to price
#4: Average dividend yield
#5: Return on equity
#6: Cash flow return
#7: Market history
We combine the research of several brilliant mathematicians and money managers with my years of investing experience.
This is a complete and continual study of what to do about the movement of international major and emerging stock markets. I want to share this study throughout the next year with you.
This analysis forms the basis of a Good Value Stock Market Strategy. The analysis is rational, mathematical and does not worry about short term ups and downs. This strategy is easy for anyone to follow and use. Pi reveals the best value markets and provides contacts to managers and analysts and Country Index ETFs so almost anyone can create and follow their own strategy.
The costs are low and this type of ETF is one of the hardest for institutions to cheat. Expense ratios for most ETFs are lower than those of the average mutual fund. Little knowledge, time, management or guesswork are required. The investment is simply a diversified portfolio of good value indices. Investments in an index are like investments in all the shares of a good value market.
Pi opens insights to numerous long term cycles that most investors miss because they have not been investing long enough to see them.
The Pi subscription is normally $299 per annum but as a club member you receive Pi at no charge and save an additional $2299.
Profit from the US dollar’s fall.
In the 1980s, a remarkable set of two economic circumstances helped anyone who spotted them become remarkably rich. Some of my readers made enough to retire. Others picked up 50% currency gains. Then the cycle ended. Warren Buffett explained the importance of this ending in a 1999 Fortune magazine interview. He said: Let me summarize what I’ve been saying about the stock market: I think it’s very hard to come up with a persuasive case that equities will over the next 17 years perform anything like—anything like—they’ve performed in the past 17!
Club members receive a report about opportunity in the current strength of the US dollar is a second remarkable similarity to 30 years ago. The dollar rose along with Wall Street. Profits came quickly over three years. Then the dollar dropped like a stone, by 51% in just two years. A repeat of this pattern is growing and could create up to 50% extra profit if we start using strong dollars to accumulate good value stock market ETFs in other currencies.
This is the most exciting opportunity I have seen since we started sending our reports on international investing ideas more than three decades ago. The trends are so clear that I created a short, but powerful report “Three Currency Patterns for 50% Profits or More.” This report shows how to earn an extra 50% from currency shifts with even small investments. I kept the report short and simple, but included links to 153 pages of Good Value Stock Market research and Asset Allocation Analysis.
The report shows 20 good value investments and a really powerful tactic that shows the most effective and least expensive way to accumulate these bargains in large or even very small amounts (less than $5,000). There is extra profit potential of at least 50% so the report is worth a lot.
This report sells for $29.95 but when you become a club member you receive the report, “Three Currency Patterns For 50% Profits or More” FREE.
Plus get the $39.99 report, “The Platinum Dip 2019” free.
With investors watching global stock markets bounce up and down, many missed two really important profit generating events. The price of silver dipped below $14 an ounce as did shares of the iShares Silver ETF (SLV). The second event is that the silver gold ratio hit 80 and has remained near this level, compared to a range of the 230s only two years ago.
Now there is a new distortion ready to ripen in the year ahead.
These two events are a strong sign to invest in precious metals.
I prepared a special report “Platinum Dip 2019”. The report explains the exact conditions you need to make leveraged precious metal speculations that can increase the returns in a safe portfolio by as much as eight times. The purpose of the report is to share long term lessons about speculating in precious metals gained through 30 years of speculating and investing in gold and silver.
The low price of silver offers special value now so I want to send you this report because the “Platinum Dip 2018” offers enormous profit potential in 2018.
The report “Platinum Dip 2019” sells for $39.95 but club members receive it free as well.
The $39.95 new “Live Anywhere – Earn Everywhere Report” is also free.
There is an incredible new economy that’s opening for those who know what to do. There are great new opportunities and many of them offer enormous income potential but also work well in disaster scenarios.
There are are specific places where you can reduce your living expenses and easily increase your income. Scientific research has shown that being in such places actually make you smarter and healthier. Top this off with the fact that they provide tax benefits as well and you have to ask, “Where are these places?”.
Learn about these specific places. More important learn what makes them special. Discover seven freedom producing steps that you can use to find other similar places of opportunity.
The report includes a tax and career plan broken into four age groups, before you finish school, from age 25 to 50 – age 50-to 65 and what to do when you reach the age where tradition wants you to re-tire. (Another clue-you do not need to retire and probably should not!)
The report is very specific because it describes what Merri and I, our children and even my sister and thousands of our readers have done and are doing, right now.
Live Anywhere – Earn Everywhere focuses on a system that takes advantage of living in Smalltown USA, but earning locally and globally.
This report is available online for $39.99 but International Club members receive it free.
Save when you become a club member.
Join the International Club and receive:
#1: The $299 Personal investing Course (Pi). Free.
#2: The $299 “Live Well and Free Anywhere Program”. Free.
#3: The $29.95 report “Three Currency Patterns For 50% Profits or More”. Free.
#4: The $39.99 report “Platinum Dip 2019”. Free
#5: The three $19.99 reports “Shamanic Natural Health”. All three free.
#6: The $39.99 “Live Anywhere – Earn Everywhere” report. Free.
#7: A year’s follow up subscription to the Purposeful investing course… Plus more.
Join the International Club for $349 and receive all the above online now, plus all reports, course updates and Pi lessons 2019 at no additional fee.