Preserving Our Pensions For Ecuador or… Wherever
Feb 5th, 2012 by Gary
First let’s look at an even more serious problem… preserving our pensions.
There are 3.6 trillion dollars stashed away in private pensions. This concerns everyone with a private retirement plan, 401 K, or IRA because that’s a lot of money and the US government has been casting its eye on it.
“A Billion here and a Billion there and pretty soon you’re talking real money” is a phrase incorrectly credited to the late Senator Everett Dirksen. Whoever said it, all we can say as taxpayers now is “We Wish”. The phrase has upsized to “a Trillion here and a Trillion there!”
This sad fact has left the US federal government as a cash strapped organization looking for new ways to balance their budgets. They are not alone. Furors are raging right now in Canada and the UK plus many states as well. History suggests that at one time or the other most governments try to nationalize pensions.
Then they lock the pensions into a devaluing currency that destroys purchasing power. This is an oft repeated slick trick that can destroy the lifestyles of retirees.
I have linked mint.com below so you can see the enormity of just a trillion dollars.
Few jackpots are as rich as US private pensions… 3.6 trillion in 401Ks, defined benefit and profit sharing plans and IRAs. The Feds would like to grab them… control them and they are gradually getting their way. The drop in pension values during the last recession was the foothold they used to take their latest steps in a long game to grab these personal retirement plans.
The problem has been growing for some time but the newest thrust began perhaps in 2009 when the prestigious Cowles Foundation For Research in Economics at Yale University issued a report entitled: THE CASE FOR TRILLS: GIVING THE PEOPLE AND THEIR PENSION FUNDS A STAKE IN THE WEALTH OF THE NATION
The Cowles Institute is a Yale based super think tank with threads leading to many administrations. I have linked the report below but here is the abstract: We make the case for the U.S. government to issue a new security with a coupon tied to the United States’ current dollar GDP. This security might pay, for example, a coupon of one-trillionth of the GDP, and we propose the name “Trill” be used to refer to this new security. This new debt instrument should be of great interest to the Government for its stabilizing influence on the budget (as coupon payments fall in a recession with declining tax revenues) and for its yield, based on our valuation. Standard asset pricing analysis also suggests that Trills would enable important new portfolio diversification strategies and, in contrast to available assets that protect relative standards of living in retirement, Trills would have virtually no counterparty risk. We believe there would be a lively appetite for the Trill from institutional investors, public and private pension funds, as well as the individual investor.
What a great idea! At least it sounds like a great idea as long as it is not run by the government and as long as this is not combined with a “You Must Invest Your Pension in Trills” as a catch. If the Trill is mandatory and in the hands of the Feds, it could become something like the IRS saying “Trust me – I am here to Help You”.
In short this idea lets the government have more control over private pensions.
The concern is that the government using the potential in this “good” idea to create a bad national private retirement plan. The connections between government and the Cowles Foundation need to be examined as well. The Cowles Foundation was started by Alfred Cowles, III who graduated from Yale as a member of Skull and Bones, so there may be concerns about the closeness of the foundation members with the government.
During the last debt ceiling crisis when the U.S. government lost its ability to borrow more money because the American debt limit was breached, the treasury dipped into federal retirement funds for available cash. They have long yearned to get at the private pension funds as well.
Taking Federal workers’ money was a temporary measure but may have been the government’s next step in its plan to convert 401(k)s and IRAs into annuities as well. That plan was floated as a trial balloon in January 2010.
Bloomberg Business Week reported about that and said: The Obama administration is weighing how the government can encourage workers to turn their savings into guaranteed income streams following a collapse in retiree accounts when the stock market plunged.
The U.S. Treasury and Labor Departments will ask for public comment as soon as next week on ways to promote the conversion of 401(k) savings and Individual Retirement Accounts into annuities or other steady payment streams, according to Assistant Labor Secretary Phyllis C. Borzi and Deputy Assistant Treasury Secretary Mark Iwry, who are spearheading the effort.
Annuities generally guarantee income until the retiree’s death, and often that of a surviving spouse as well. They are designed to protect against the risk that retirees outlive their savings, a danger made clear by market losses suffered by older Americans over the last year, David Certner, legislative counsel for AARP, said in an interview.
“There’s a real desire on a lot of people’s parts to try to encourage something other than just rolling over a lump sum, to make sure this money will actually last a lifetime,” said Certner, legislative counsel for Washington-based AARP, the biggest U.S. advocacy group for retirees.
Promoting annuities may benefit companies that provide them through employers, including ING Groep NV and Prudential Financial Inc., or sell them directly to individuals, such as American International Group Inc., the insurer that has received $182.3 billion in government aid.
Balances Fall
The average 401(k) fund balance dropped 31 percent to $47,500 at the end of March 2009 from $69,200 at the end of 2007, according to a Fidelity Investments review of 11 million accounts it manages. The Standard & Poor’s 500 Index tumbled 46 percent in that period. The average balance of the Fidelity accounts recovered to $60,700 as of last Sept. 30 as the stock market rebounded.
There is “a tremendous amount of interest in the White House” in retirement-security initiatives, Borzi, who heads the Labor Department’s Employee Benefits Security Administration, said in an interview.
“The question is how to encourage it, and whether the government can and should be helpful in that regard,” Iwry said.
Retirement plans, including 401(k) accounts, held $3.6 trillion in assets at the end of the second quarter of 2009, while annuity investments of all kinds totaled about $2.3 trillion, according to figures from the Washington-based Investment Company Institute, a trade association for asset managers.
We should read the quote from that government official: The question is how to encourage it, and whether the government can and should be helpful in that regard” with some apprehension. That sounds too much like “We are here to help you”.
Having watched the government over 40 years gradually make it almost impossible for average Americans to bank abroad, I can see how an attack on private pensions could work in the same way.
The Administration is using a similar approach to make it almost impossible for Americans to invest their retirement plans anywhere but in US government bonds and bills… and perhaps Trills.
They took one step in 2010 when for the first time they audited all IRA Custodians. In advance of the audit they sent a letter to all custodians addressing areas of concern which included though was not limited to Foreign Real Estate and Foreign Companies. The letter specifically focused on the risks that overseas countries represent.
This could be a precursor to a “this is for your own good” approach to private pensions something like the FDA’s approach to not allowing Americans to buy pharmaceuticals or the SEC’s approach to not letting Americans make investments in other countries. ”They are not safe” is the mantra. Americans cannot buy investments in Canada because the SEC cannot protect them. Americans cannot fill prescriptions in Canada because the FDA cannot protect them. I think you get the drift.
The plan to take over personal pensions could unfold in three steps. First, the FDIC will want to regulate where an American can invest in another country by determining if that country is “too risky” or not. The second step will be to allow the FDIC to determine if any investment… even in the USA… is too risky. Slowly only US government bonds, bill, Trills etc. could be deemed safe enough.
This is exactly what has happened with American banking. First layer upon later of regulations were placed upon non US banks. This legislation made it so expensive for non US banks to have American clients that only really wealthy investors can have overseas bank accounts.
Second, the Fed lowered interest rates so the average American earns almost nothing at US banks.
There is not a line of legislation that prohibits Americans from banking abroad. Instead the government regulated overseas banks who accepted American customers. Slowly layer upon layer upon layer of compliance requirements were added that made it so expensive for a non US bank to comply that the banks had to stop accepting US clients.
The key in this private retirement plan attack will be to place the burden on the custodians instead of owners of the retirement plans. The FDIC could determine it is “risky” and hence expensive to allow for foreign assets. This will force custodians to only allow US investments and later only government assets. These government assets could then be trimmed to pay almost nothing… reducing the pension’s purchasing power.
This is how the government destroyed the ability of Americans to bank abroad and can destroy the effectiveness of personal retirement plans.
The Government is using the recession that just passed and the current financial crisis in Europe to “prove to you” that they can make your retirement plan safer than you can. “It’s for your own good”.
That is not far-fetched and this is no new phenomenon. Hungary, Poland, Bulgaria, Ireland and France – have taken over their citizens’ private pension money to make up deficits and budget shortfalls. There are battles raging over this in Britain, Canada and Greece to mention a few right now.
I am so concerned that the attack on private pensions will emerge again after November 2012 that I have invited a specialist on “How to Invest Private Pensions Abroad” to speak at our February 10-12, 2012 Quantum Thinking + Investing and Business in Mt. Dora, Florida.
At the seminar we’ll look at how you can invest private pensions and IRAS abroad as well as wherever it may make sense to do so.
You can read more details and reserve one of the two spaces left here.
On the subject of taxes & filing tax returns from Ecuador
One of our readers is offering an income tax service (Efile Tax Returns) that can process tax returns for US citizens and non-resident aliens with foreign addresses. They have all of the forms available for an Expat. All of this is available for a cost of $39.95. This is for the “do it your selfer” who has a knowledge and a pretty straight forward Expat return.
For those who have a somewhat complicated Expat return, they have made arrangements with a US CPA who lives in Europe and has prepared Expat tax returns for the past eleven years.
This tax preparation service can be useful even if you are not abroad.
They help get fast refunds, have pricing options, and offer a 100% federal calculation guarantee.
They can provide a great savings with new tiered pricing options which allows you to pay only for the forms you need.
They also provide phone support for Premium customers:
For more information visit the EFileTaxReturns.com site.
I am happy to help you have this connection after having been frustrated for many years by the difficult and expensive task of finding a good tax preparer who understood expats and international investors. For all the years that I lived in London, I had to use an expensive attorney there. Today I know that three of my children who still live in the U.K. have suffered and continue to suffer these high costs also. I have sent this link along to them as well.
Gary
One of the greatest ways to gain tax benefits is with your own international micro business so I am pleased to make the offer below.
International Business Made EZ Three For One Savings
Last modified on 2012-05-18 15:52:20 GMT. 0 comments. Top.
The way to a super lifestyle reinvention is to “Go Try Things”
Learn how to turn your passions into profit… wherever you live… wherever you travel with three of our online courses “International Business Made EZ” and “Tangled Web – How to Have an Internet Business” and “Quantum Thinking”. See how to have all three for the price of one below.
Here I am working at home trying to explain the importance of this phrase “Go try things”… which sums up why you not only can but should gain the benefits of an international business.
I started trying things in Hong Kong about 44 years ago.
A decade I found “New Things” livng n London and this led to… distortions being in the cost of Manx corporations. This led me shortly to an Isle of Man business. Years of real estate tours helped readers start businesses there and they picked up unimaginable profits… because we tried some new things.
However Britain’s gray winters soon drove me to the sun. I found myself in the sun watching sun rays sparkle on the emerald prisms of cool, spring fed pools in the Dominican Republic where I found more “New Things”.
We conducted Dominican real estate tours but also created out course International Business Made EZ.
Since then thousands have attended or taken the correspondence version of this course all over the world.
Then in the process of trying new places and new things, 15 years ago we stumbled onto Ecuador.
We continue to “go try things”.
Our business has evolved over 44 years from Hong Kong to London to Europe to the Isle of Man to the Dominican Republic to Florida to North Carolina to Ecuador. Each time because we were trying things of interest and fascination to us. Not once did business turn out as we expected… but always there was some success… happy customers…. good deeds…. great service… profit… fulfillment and adventure all originating from just trying some things.
Subscribers to our online courses have improved their lives, gained greater independence, increased financial safety and dramatically gained more freedom to lead the type of life they desire…all because these courses help people “go try things”.
So I sat straight up and started writing after working by my pool and reading a USA Today article entitled “THEY WON’T QUIT” by Janice Lloyd which summed up the vast importance of trying and the benefits you can gain when you “go try things”.
The article is as follows (Bolds and underlines are mine): Experts say Baby Boomers are starting to work past conventional retirement age, a trend fueled by an uncertain economy, improved health in older life and an understanding that staying engaged leads to a better sense of well-being.
Hitting 65 and “getting the gold watch” is not on the must-do list anymore for many people, says Jacquelyn James, research director at the Sloan Center on Aging and Work at Boston College.
“Their emphasis isn’t just to keep working but to do things that add life to years and not years to life,” James says. “People who are very work-oriented and love their jobs don’t want to give them up, especially if they’re healthy.”
An April Gallup survey had similar findings: 534 working people were asked whether, when they reached retirement age, “you think you will continue working and work full-time; continue working and work part-time; or stop working altogether?” Those who answered that they would continue to work were then asked, “Would you do it because you want to, or because you will have to?”
•18% said they would work full-time, and a third of those said it was because they wanted to, not because they would have to.
•63% said they would work part-time; almost two-thirds of those said they would do it because they wanted to.
•18% said they would retire and stop working altogether.
The average age of retirement is 64 for men and 62 for women, according to an analysis of Census data by the Center for Retirement Research. Census data also show the number of Americans living to age 90 and beyond has tripled in the past three decades to almost 2 million and is likely to quadruple by 2050.
“People are beginning to realize that if you retire at age 60, you could easily spend 35 years in retirement,” says Richard Johnson, senior fellow and director of the program on retirement policy at the Urban Institute. “And that could get tedious.”
There are other reasons to stick it out. Job satisfaction grows with age, Johnson says: 90% of workers age 60 to 64 agree or strongly agree that they enjoy going to work, compared with 95% of workers 65 to 69 and 97% of workers age 70 and older, according to the Retirement Project of the Urban Institute.
Stress levels also drop on the job. About one of three workers age 70 and older agree or strongly agree their jobs involve a lot of stress, compared with more than half of workers age 60 to 64.
“There isn’t a script for 65 anymore. We recommend the same thing we tell people in their 20s: ‘Go try things.’”
This is why we would like to help you make your life better with a funky micro business and why we are offering a two courses for the price of one special.
The USA Today article goes on to point out: “People are being given rotten advice to slow down, take it easy, stop worrying and retire,” Friedman says. “The Longevity Project discovered that those who worked the hardest lived the longest — the responsible and successful achievers thrived in every way, especially if they were dedicated to things and people beyond themselves.
You can learn how to gain “earning flexibility” so you can earn… mobile or not… full or part time… young or old. We have many boomers take our courses… some older.
Other participants are in their 20s and 30s and want to get started while avoiding the rat race. Others in their 40s and 50s are looking for ways out of the rat race.
Technology and economically speaking, you have a a perfect time now to have your own micro business. Communications and computers do most of the work that previously required labor and staff. Outsourcing and virtual offices, plus internet marketing mean a one man (or woman or couple) show can accomplish incredible things.
This is why we have combined our two courses “International Business Made EZ” and “Tangled Web How to Have an Internet Business” and our Super Thinking Workshop (for the price of one) plus added knowledge about how to be smarter and more intuitive in business.
These courses focus on how to use modern technology to start a and run or improve a global micro businesses… that can create valuable extra income with minimal investments of time and capital.
You learn how to start small and build with stepping stones and a harmonious focus… how to build a successful at home business via the internet using several profit generating phrases at Google. You gain the secrets of how you can use words to create your own global income… whether you travel or stay at home.
The course shares how to use the first four of “Seven Ps” (Person, Problem and Promise, Product) to zero in on key word phrases. Then you learn how to use the Fifth P Promise to develop new customers. The Sixth P is the Prospecting Path and Seventh P is the Presentation to create income.
Then you gain all the facts on how to use the seven Ps to create internet sales. The internet can support a business or can be a business.
This knowledge has really helped previous course delegates. Here is what one previous subscriber shared:
“Gary , I have been working on my website, healthy-holistic-living.com site and I figure it is time for another update. It is really hard to believe it, but my site just keeps growing and growing and I am now averaging 2000 visitors per day!
“What I find to be most amazing is that in just a few short months my site is #1 out of over a million sites and sometimes even millions of sites! As you always say the internet is the ‘Great Equalizer’ anybody given the right tools can compete on the internet.“Below are some of my search results. I only listed GOOGLE and YAHOO but you can find similar results on both MSN and ASK.com.
GOOGLE:
#1 out of 1,190,000 …………………………“definition healthy spirit “
#1 and #2 out of 1,210,000.………………….“benefits to living a holistic life “
#1 out of 1,260,000 …………………………“gaining a healthy mind “
#1 and #2 out of 1,260,000 …………………“benefits to living a holistic life “
#2 out of 935,000 …………………………..“holistic lifestyle tips “
You will learn how to use the same system to expand (or start) your business!
This is a perfect era to increase your wealth and improve your lifestyle as you reduce stress with as you earn with your own a micro internet business.
Yet we are trying new things still. Last year we began adding teachers to our Super Thinking + Spanish program. So our courses shares how these new teachers have expand their micro business Costa Rica, Uruguay, Mexico, Canada as well as the USA.
The Western economy has changed… probably forever. The old ways are gone and those who held jobs… or still have work in the private sector have lost the most.
The economy will recover… but the way people earn and work… and how the money is distributed and to whom especially… has been profoundly altered. This is especially true in value added countries like Canada… the USA and most of Europe.
We are in an era of global structural change… in economics… in society and in the way we work because technology brings us low cost administration, low cost access to data, low cost communication, and low cost travel, plus the opening of markets beyond logic that rely more on passion and experience than on efficiency and cost.
The recent, global economic transformation means that the way we work, live and earn will next be the same. This will destroy the financial security of many, yet bring great opportunity to a few… who adapt and learn how to earn in the new era.
The greatest asset we can have in the new era is an ability to serve… to produce a product or service that adapts to the changing ways.
You receive three courses for the price of one.
First learn how to have your own web business from our eMailed Web Business Course… The Tangled Webs We Weave.
This problem of being able to earn and enjoy the process in the new era is so acute and the importance of having more people do what they love so vital that we created this course…on how to develop your own international internet business.
Years ago, Merri and I had 23,000 print readers… selling millions in printed reports. This was micro sized in publishing terms… but very, very profitable for us. .
Yet Merri and I saw this rapidly changing economy coming… and had learned that small is beautiful. Now we do not have a single printed product.
In the course Merri and I explain what we do in the business. The writing…the marketing…the product planning and such.
Our webmaster outlines the technical part. How to chose a server…set up a shopping cart…create pay per click systems…send thousands of emails a day.
“The Tangled Webs We Weave” looks at all the technical aspects of developing a web based business including:
* How to set up the website.
* How to use shopping carts.
* How to create pages.
* How to develop reader lists.
* How to create electronic products and income.
* How to get good search engine rankings. (See an excerpt below from one lesson on how to get good search engine rankings).
* How to gain tax advantages from an International web based business.
* How to stay small and yet create big profits.
This part of the Course is entitled “Tangled Webs We Weave – How to Have Your Own Internet Business”. This has previously been available for $299. Now it is just one third of the new expanded course.
Yet this is only the beginning… just one third of what you receive.
The Tangled Web course is co authored by our webmaster David Cross.
David has been our webmaster since our site began over a decade ago. He has unparalleled, hands-on marketing experience that spans 25 years in 22 countries for companies and charities large and small.
He’s guided many businesses and individuals to success in their business and helped them achieve their marketing goals, both online and offline.
As Senior Internet Consultant to Agora Inc. in Baltimore, MD, David worked closely with Agora’s publishers and marketers and over an 8-year period helped to propel Agora’s online revenues to over $300 Million in 2009.
David wrote to me when he completed this video: “Although I do say it myself in those 50 minutes is everything anyone would ever need to know to start their own Internet business.”
This video is brand new as of two weeks ago and the first reader to read it wrote: Muchas Gracias Gary, Just watched David’s video. It Was SUPER! Thanks Again. Bill
Our Guarantee is of course that you can try the entire program for 30 days. If not satisfied we’ll give you an immediate, full… no fuss refund.
Quantum Innovation Program – Three Courses and Work Shops Plus Updates for one price. Enroll here $299
Now let’s look at the other two thirds of the Innovation Program you receive when you enroll in the program.
Part Two: International Business Made EZ – Good news on how to have a turnkey extra income.
We need good news since we all hear so much bad news… in the headlines…. all the time.
All these negatives can help set us free because this is only bad news for those who rely on jobs in North America.
The rapid global social and economic change creates opportunity for those who have a global view. If you want or need to earn extra income, the best way now may be with your own global micro business. If you want adventure, fun, fulfillment, freedom and the opportunity to go where you have always desired, an international micro business can help you as well.
Technology and globalization have destroyed many jobs… killed many dreams. These same destructive changes create NEW opportunities at the same time. Quite frankly many of the new opportunities are better…offer more profit… more freedom… more fun and offer the types of lifestyle you may have always desired.
This is why our flagship online course has always been International Business Made EZ.
International Business Made EZ, includes seven business secrets:
Secret #1: They must enjoy the multiple effect. A product once created must produce profits again and again, almost on a never-ending basis. Each investment made needs to make huge returns.
Secret #2: They need to be more than their owner’s time. They must produce income even when the owner doesn’t put in day-to-day effort. You may already be wealthy or earning a high income. You may not even need another business or extra income, but some day you might. One surgeon explained it this way. “I am making a fortune because peoples’ lives are in my hands. Once my hands are no longer steady, my income stops. My entire financial well being will then be in someone else’s hands!”
Secret #3: These money making systems should be enjoyable and fun! Sadly most people make money for the sake of making money. Many spend their lives working, just to have a few precious hours having fun. The most important fact I learned about making and keeping wealth was that those who were richest absolutely loved what they were doing! Money was of secondary importance to their effort. And as things are, this means they actually ended up making more money!
Secret #4: These money making systems need to be flexible. No matter what the economy brings, your ability to make money should work regardless of inflation, recession or even depression.
Secret #5: These businesses usually start small, but grow quite large. I learned that good money systems work for large or for small amounts and can be operated on either a full or part time basis. Most businesses start with a learning curve. During that time it is essential they are small. Once the lessons have been learned and the system is operating properly, then it needs to grow for larger and larger returns.
Secret #6: Look for ways to gain strong margins in business. The wealthiest families in the world today come from global businesses. Learn how margins can be so incredible that few would believe them. Learn how to use stories to make huge shifts in the value of products. Take for example our friend Earl who is a dog trainer. On a trip to Ecuador clay whistles in the market place were for sale at .35 cents each. By calling them dog whistles the business lady was able to sell them at $9.95, a whopping 2,700% mark up!
Secret #7: Create and market your product everywhere using niche marketing. There are 11 steps to create the perfect product. You learn them with International Business Made EZ. Understand how to review ideas, test focus, aim at markets. Learn where and how to get your data and get others to provide your marketing material for you almost FREE.
Learning how to market is the key to successful business. Knowing how to turn pennies into dollars is good marketing focus. International Business Made EZ gives you this winning marketing knowledge.
You’ll learn how to turn advertising dollars into a fortune. You’ll learn how to create your own ads and when to use classifieds, space ads, direct mail or word of mouth. When to use a website and how to create a website on your own.
See how to build a PR list and get thousands of dollars in free publicity. I even share my most secret results on my marketing so you will know why sometimes you sell more units of a product at $49 instead of $29.
Learn how one couple used ads about retirement to supplement their retirement income and get free trips all over the world.
The course includes information on:
*How to Gain Total Security. Learn how and why the global economy makes employment riskier because change is no longer an option. See ways to become and agent of and profiteer from change not a victim of change.
*How to Perfect a Lifestyle. Living as you choose is important because life is short. Fortunately matching what you love with what you do in business actually increases profits.
* How to Choose the Best Legal Structure. How to use Non-Controlled Corporations. How to gain freedom, asset protection and privilege.
* How to Market your Product. Learn truths that rule the market place. Gain knowledge on subjects like….How to Make the Truth Exciting. Create your own Sales Story. How to Deal With Cultural Differences. How to Build Global Lists and Use International PR. How to Spot the National Psyche and Quadruple Profits With Multimedia Marketing. How to Choose Businesses as Pioneers or as Settlers.
* How to Obtain What You Need from the Net. How to Use the Web to Reach your Market. How to develop your site, target your market and start getting visits. The top ten Internet tips to use, the top ten traps to avoid, and many other lessons our Webmaster has used in his 12 years on the net. This system is so simple anyone can use it.
* The Importance of Business Evolution. It is vital to success and fulfillment that your business has balance and grows in harmony.
* How to Set up your Banking Structure. Take Advantage of International Treaties. Learn all you’ll need about the financial end: How to control inventory, keep overheads down, check ad results, get 30 day free credit and stay on top of your business. Learn 11 hazards to avoid and tricks to stay profitable without a daily accountant.
This correspondence course is for those who would like their own international business for fun and profit. The course also helps business people, brokers and professionals, insurance agents and marketers who want to enhance their existing business or build a second source of income.
Business people or professionals who want to add an extra profit center to their business or who want to change their business entirely will benefit. Those who want more control over their career can profit. Plus those who love global travel and want to turn their trips into profitable tax deductions! Your tax savings in a year can be worth ten, twenty even 100 times the cost of International Business Made EZ.
If you want fun, freedom, extra income and fulfillment with your own full or part time international business, or want to build your existing business, you can profit by International Business Made EZ!
You also gain three bonuses free.
Bonus #1: Our webmaster’s 45 minute video on all you need to make your website effective.
Bonus #2: My report, “How to Finance a Small Business Overseas”.
Bonus #3: an MP3 recording of our one day International Business Made EZ seminar.
Are you interested in a global business? It can be small and part time mainly to gain prestige, fun and tax benefits. It can be full fledged and rake in thousands a day. If so, International Business Made EZ is an absolute bargain. Our goal and guarantee is that you will be able to start and run your own global business.
However now due to the accelerated change in global economics, we have added more to our course to create a more powerful program.
Our course International Business Made EZ is well worth the course fee of $299 all by itself… Tens of thousands have paid for this course on its own. Yet in our Quantum Innovation Program you receive this course, plus Tangled Web and as you see below… even more.
Merri and I enjoy having an international internet business and it is doing well. Almost every month our internet business sales are higher than they were in the same month a year before.
We are very thankful to be one of the most read sites in Ecuador and do very well in the US and Canada too.
We share updates of our most recent experiences experiences to help delegates learn how to stay in touch with ever evolving markets.
Bonus #1: Our webmaster’s 45 minute video on all you need to make your website effective.
Bonus #2: My report, “How to Finance a Small Business Overseas”.
Bonus #3: an MP3 recording of our one day International Business Made EZ seminar.
Just to make sure you feel comfortable, as mentioned earlier, we provide the same guarantee we have always provided with this course. Down load the entire program. Study it… read and listen for 30 days.
If you are not fully satisfied in any way, just tell us within this 30 days and we’ll send you a 100% full refund with no questions asked. You keep the entire program.
Whether you are retired, an investor, chiropractor, doctor, dentist, professional or already own your own business, your micro business 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 an International Micro Business.
We are Not Finished Yet – You also receive a Super Thinking Course in the Innovation Program.
Two points almost everyone agrees on about the future are… first we need to be smarter to keep up with the faster pace of change… and second the world’s economy has and will continue to globalize.
This is one reason why we have added our Super Thinking Workshop into this program (normally costs $149).
First, we need to be smarter. Super thinking tactics, helps us become smarter.
Super Thinking comes when we improve the brain in three ways… one being through the use of music.
The educational program Merri and I have developed uses a different form of relaxation through brain wave integration frequency modulation so we work in a mode described as “Relaxed Concentration.” This mental process opens enormous opportunity for expansion, understanding, peacefulness as well as greater wealth. We have added this in-depth workshop into the Innovation Program.
Super Thinking uses frequency (in music and a number of other ways) to integrate brain waves so the process of absorbing, processing and recalling information is vastly accelerated. This brings forth the three C’s: Calm, Clarity and Coherence.
Merri and I are explorers. Our business began 44 years ago (May 1968) and we continue to always look for what’s next… trying to stay on or ahead of the leading edge.
This process helped us create the totally unique system we use that incorporates numerous tactics.
The first tactic is to use Baroque music in the learning process. At least three best selling books, “Superlearning”, the “Mozart Effect” and “Superlearning 2000″ have revealed insights about how to learn and think more powerfully based on systems drawn from the Bulgarian educational master, Dr. Georgi Lozanov.
This one tactic alone is so powerful that Small Business Innovation Research… an official site of the US government granted over $100,000 for the specific purpose they said was: to provide a method to remove barriers which hinder or prevent the employment of blind persons. An innovative method call the Lozanov learning system is proposed to help train blind persons to become computer programers and operators of automated equipment.
Merri was among just a few who learned directly from Dr. Georgi Lozanov and is licensed in these techniques.
Merri has enhanced this system with numerous other tactics. One is to make slight alterations in nutrition. Altered nutrition can make anyone a person 25% smarter. These two tactics are given in seven, easy to use learning techniques that help gain any skill, from computers to athletics to conversational languages… in much less time than traditional learning techniques… often two-to-five times faster, in exciting and innovative ways…but most of all it is a system that is stress free and full of fun.
Our Super Learning System helps in innumerable walks of life.
Problems Can Create Opportunity
There is a huge and growing problem of accelerating change that requires accelerated learning. Expanded learning capacity is the most valuable part of this program. So we added our Super Thinking Workshop.
Super Thinking works by focusing on the learner first… the data second. FM Plus “grows the learner” rather than just expands the information. The explosion of data we must all process every day means there is too much information to process already. Let’s view this learning in terms of plumbing to outline what “Growing the Learner” means.
If you have 4.5 inches of information flowing through a 4 inch learning pipe, the solution is not to add another inch of information. The answer is to first create a six inch pipe and then an even larger pipe…a never ending expansion of abilities!
Three Courses and Workshops… plus a Year’s Updates for One Low Fee – Fully Guaranteed
You receive:
* Tangled Web Course Online.
* International Business Made EZ Online
* Quantum Thinking MP3 Recording Online
Not Done Quite Yet
This program continually updates the courses as we innovate our business. We will send you a password that gives you access to a special website where you can study all the updates for one year at no extra charge. Plus we guarantee that you can continue receiving the password protected updates in future years for just $99 a year year if you allow us to charge your account $99 each year automatically.
Quantum Innovation Program – Three Courses and Work Shops Plus a year of updates for one price. Enroll here $299
Remember you have nothing to risk. Enroll now and have my “no fooling around-complete satisfaction guarantee.” Order The Quantum Innovation Program. If not satisfied just send a note to me canceling the order within 30 days. You will receive a complete and full refund.
