text:
It is also delicious, prepared in many ways such as…
quinoa pancakes and quinoa strawberry shortcake. See the recipe for both below.
Let me begin though by explaining my love affair with pancakes… then why quinoa pancakes and shortcake can be add a huge improvement in the Western diet.
Some memories are never forgotten. Some of them quite odd, such as my recollection of when I fell in love with pancakes.
The place was Tillamook Oregon… a town famous for its cheddar cheese but I doubt famous for its pancakes. The time… almost 47 years ago. I must have been around 16 because I had driven with several of my teenage friend to spend the weekend in Seaside, Oregon… the place, in the 1960s, where teenagers from Portland went to hang out… for some action.
Action by the way in those days amounted to bumper cars, Ferris wheels and stuff like cotton candy. There wasn't much in those days… though if we could have found some we would have imbibed in beer… as terrible as it tasted to a 16 year old… drinking beer was considered cool then. Of course for teenage guys… there were also teenage girls. I think there was a beach and an ocean there too!
Four or five us… high school buddies wandered on weekends…. usually camping out…. sometimes in the Cascades… other times over in the Eastern Oregon desert… shooting our .22s… fishing,.. swimming in lakes and in general just messing around.
Somehow this one memory from many weekends has me in a "mom and pop" restaurant… in Tillamook. We stopped for breakfast on a Sunday morning… headed back from Seaside to Portland. I ordered a stack of pancakes… probably a short stack since one thing I really remember was that we were almost always short of cash. Back then coffee was a dime a cup (with refills)… gas 19.9 cents a gallon and a short stack… maybe .65 cents. Camping then in state parks was free. However we were still usually broke. However with five bucks each, the four of us could do some damage. One of the friends… Mark Johnson… had a beat up, rusting 1956 Ford station wagon (we called it the Blue Goose) so if we each pitched in a dollar… there was enough for the gallons of gas (and the several quarts of oil) required to get us to the coast and back.
I recall nothing about the trip… not the beach… not the girls… not even the restaurant… except my awareness on that day of how much I loved those pancakes! The love affair stuck.
With this story as a background it will not seem odd that when Merri and I lived in London we often visited one of the most renowned pancake restaurants there called My Old Dutch, which offers authentic Pannekoek (that's a traditional Dutch pancake). The kids loved the friendly, bubbly atmosphere and I of course loved… the pancakes offered in both sweet and savory form.
There are crazy combinations at My Old Dutch… chicken curry pancakes… chilli con carne pancakes and lamb stew pancakes. I personally preferred one of the sweet ones served with a caramel sauce. But note the common connection here… pancakes!
Now comes the rub. Pancakes are a truly unhealthy food… especially when loaded up with artificial sugary syrup. A big platter of pancakes and syrup is a fast burning carbohydrate disaster almost guaranteed to shoot your blood sugar up! This can create all forms of health complications if consumed often enough. A platter is probably even worse when no sugar syrup contaminated with artificial sweeteners is applied.
I rue the day I discovered this… like learning that your lover is really only there to kill you (perhaps for the insurance).
Alas… chocolate pancakes… with the wrong chocolate… is nutritionally even worse!
What a dilemma … being in love with something that is really bad.
However I know there is a God because… He allowed me to discover quinoa pancakes.
Quinoa is a high protein grain from the Andes that is normally eaten as a cereal. Quinoa can be ground into flour. Quinoa flour changes everything when it comes to nutrition in pancakes… the lover is reformed!
Having spent this time explaining pancakes in my epicurian heart… the story on my other food mistress chocolate, we must pass. Let's just compare pancakes and chocolate to wine & rose… man & woman… the heavens & the stars.
First quinoa is high in protein… one of the only vegetable sources of a complete protein.
Second Quinoa has a fair amount of omega 3 essential fatty acids.
If you have not read much about Omega 3… you should because there is a growing amount of evidence that an imbalance in the Western between Omega 3 and Omega 6 is leading to all types of problems including obesity.
The excerpt below from a May 2010 Economist article "Diet and the evolution of the brain-Fish and no chips" gives us some insights on this when it says:
The wonders of docosahexaenoic acid
TO PIN one big evolutionary shift on a particular molecule is ambitious. To pin two on it is truly audacious. Yet doing so was just one of the ideas floating around at "A Celebration of DHA" in London this week. The celebration in question was a scientific meeting, rather than a festival. It was definitely, however, a love-in. It was held on May 26th and 27th at the Royal Society of Medicine to discuss the many virtues of docosahexaenoic acid, the most important of that fashionable class of dietary chemicals, the omega-3 fatty acids.
DHA is a component of brains, particularly the synaptic junctions between nerve cells, and its displacement from modern diets by the omega-6 acids in cooking oils such as soya, maize and rape is a cause of worry. Many researchers think this shift—and the change in brain chemistry that it causes—explains the growth in recent times of depression, manic-depression, memory loss, schizophrenia and attention-deficit disorder. It may also be responsible for rising levels of obesity and thus the heart disease which often accompanies being overweight.
Michael Crawford, a researcher at the Institute of Brain Chemistry and Human Nutrition in London, believes, however, that DHA is even more important than that.
He suggests that it was responsible for the existence of nervous systems in the first place, and that access to large quantities of the stuff was what permitted the evolution of big brains in mankind's more recent ancestors.
Indeed, Dr Crawford thinks that a shortage of DHA is a long-term evolutionary theme. The molecule is most famously found in fatty fish. He suggests this might explain why, for example, dolphins have brains that weigh 1.8kg whereas zebra brains weigh only 350g, even though the two species have similar body sizes. Furthermore, he argues that the dramatic increase of the size of the brains of humanity's ancestors that happened about 6m years ago was not because apes came out of the trees to hunt on the savannahs, but because they arrived at the coast and found a ready supply of DHA in fish.
Accept no substitute
Joseph Hibbeln, a researcher at America's National Institutes of Health, has been looking at the supply to babies of DHA from breast milk and at genetic variation in the ability to produce this molecule from other omega-3s. In the case of those fed on formula milk low in DHA, though, children without the DHA-making ability had an average IQ 7.8 points lower than those with it.
Nor is intelligence the only thing affected by a lack of DHA. There is also a body of data linking omega-3 deficiencies to violent behaviour. Countries whose citizens eat more fish (which is rich in DHA) are less prone to depression, suicide and murder. And new research by Dr Hibbeln shows that low levels of DHA are a risk factor for suicide among American servicemen and women. Actual suicides had significantly lower levels of DHA in the most recent routine blood sample taken before they killed themselves than did comparable personnel who remained alive.
More worryingly, 95% of American troops have DHA levels that these results suggest put them at risk of suicide.
America's department of defence has taken note. It will soon unveil a programme to supplement the diets of soldiers with omega-3s. The country's Food and Drug Administration may change one of its policies, too. Thomas Brenna, a professor of nutrition at Cornell University, has written a letter (co-signed by many of the scientists at the meeting) urging the agency to revise its advice to pregnant and fertile women that they limit their consumption of fish.
They may, however, be swimming against the tide. The popularity of omega-6-rich foods based on cheap vegetable oils will be difficult to reverse. Indeed, if another of Dr Hibbeln's studies proves true of people as well as rodents, it may be self-fulfilling.
In this experiment he fed rats diets that were identical except that in one case 8% of the calories came from linoleic acid (an omega-6 fatty acid) while in the other that value was 1%. These percentages reflect the shift in the proportion of omega-6s in the American diet between 1909 and the early 21st century.
In the 8% diet, levels of rat obesity doubled. It turns out that in rats (and also in humans) linoleic acid is converted into molecules called endocannabinoids that trigger appetite. Those who eat omega-6s, in other words, want to eat more food.
And since, in the human case, omega-6-rich food is much cheaper than omega-3-rich food, that is what they are likely to consume.
The way out of this vicious circle is not obvious. Eating fish is all very well, but the oceans are under enough pressure as it is.
Quinoa, a 5000 + year old grain from the Andes is full of essential amino acids, iron and vitamins. It is probably the best protein source from the plant kingdom and has a delicious delicate nutty taste ideal for pilafs and to replace high carb starches like rice and pasta. It is also great as a cereal breakfast food.
Rich in omega-3 fatty acids, quinoa offers benefits to the heart and is easy to digest as well.
Quinoa has been rated by the WHO as possessing protein of a quality similar to milk. It has been classified as a supercrop by the United Nations on account of its nutritional value and high protein content. In early times, quinoa was cooked and ground to a paste and applied on bruises. Its medicinal uses ranged from treating motion sickness and appendicitis to bone problems and nursing mothers. In fact a poultice of quinoa flour was applied on broken bones. It is a good source of dietary fiber. Quinoa is ideal for those suffering from allergies to the grass family since it is a leafy grain and is gluten-free.
Quinoa is also a source of phosphorus, magnesium, zinc, copper and manganese, Vitamins B6, Niacin and Thiamin and has high levels of lysine – an essential amino acid for creating protein. Plus it is low in fat and excellent source of complex carbohydrates.
Most Westerners need to be getting more Omega 3 and less Omega 6 and quinoa can help… plus it can be cooked in some really delicious forms.
Enter our recipe for Ecuador quinoa chocolate pancakes.
With quinoa to add protein and pure Ecuadorian chocolate without chemicals and sugar added there is a good nutrition argument… two lovers who are good for your health!
A reader recently sent this note.
Hi Gary…really enjoy your columns. Am fascinated with Quinoa. Any chance you could share the recipe for the chocolate quinoa pancakes?
What a wonderful woman… asking me to do something with one of the great loves in my life…. chocolate! So I grabbed Merri gave her a kiss and murmered in her ear… "Will you help me make some chocolate quinoa pancakes?"
Read what happened next and the recipe for quinoa chocolate pancakes here.
Below is a recipe for the quinoa strawberry shortcake that Merri made for me yesterday.
I photographed this before eating. Yum!
"Well, one of the problems that most of us have is Strawberries (yes!) but then we go a bit further and want Strawberry Shortcake. Gary always steers me near those horrible little cakes when he has just been to the market and bought luscious strawberries. So, all I do when making almost anything with flour is to simply substitute fine ground (we do it ourselves in our blender) quinoa for flour. However, this does change 1)the consistency of the batter (perhaps one needs to add more liquid) and 2)makes a firmer, stronger product no light and fluffy quinoa here! This might require a bit of change of expectations if one desires those little light airy concoctions…but think PROTEIN and low CARBS.
"Strawberry Quinoa Shortcakes:
"1 cup quinoa flour, 1/2-3/4 tbs. baking powder, a tiny bit of all natural sugar (to your taste), 7 tbs. of butter cut into pieces, 1 egg, 1/2 – 3/4 cup of rich milk (perhaps half and half). Strawberries & Cream to add on top.
"Cut butter into the dry mixture. Mix egg with rich milk and combine with dry ingredients. Bake 12 minutes or so until golden brown at 350.
"Serve with strawberries and of course cream or whipped cream!" Merri
Yes, it was wonderful…Sunday afternoon Strawberry Shortcakes with Tea.
How We Can Serve You
How to Have Real Safety
Regain Real Security
There is a path to true security.
I was reminded of this once when I made a horrible mistake. Almost!
The supposed error? Letting my mind wander six decades back to an hour I spent with a girl.
Learn from this near disaster, seven most powerful sources of wealth, health, security and fulfillment in this era.
The girl was pretty and blond. Terry was her name. My imagination spanned decades returning to my Oregon roots seeing her as if she were there.
We were 11 or 12 and had known each other since we started Rockwood grade school. Just buddies, our non-romantic friendship lasted 12 years, from first grade till high school's end. Then she went off to Pepperdine College in California. I started traveling the world. Never saw her again. I hope her life has gone well. But until that reflection I'd never thought much of Terry in so many years.
What could have been the tragic error was letting that memory touch my heart. Two kids, walking on a crisp, Pacific Northwest autumnal afternoon.
We walked down a sun filled, pine needle covered, dirt path. Huge, fat, green Douglas firs lined the road. Traffic was no problem, not many cars. Crossing Stark Street we turned left, hiking three blocks to 182nd. There we passed an old clapboard candy store. I can still hear the wooden sidewalk of that store slap beneath my feet, felt the soggy planks sag and smelled astringent pitch from the fir trees. Then we turned right, up 182nd for about a mile. There was Terry's house.
I carried on, walking through a big field, waist high grass turned straw brown by an early frost. There were dozens of paths made by who knows what. Animals perhaps or countless generations of other kids walking home alone from school. I chose one following it to another wood of tall, rough-barked fir. Crossing one more field, I climbed a rock wall, struggled through a barbed wire fence (my Mom hated that fence ripping my jeans). I was home!
Sweet simplicity, that dream. Two kids holding hands, walking on a dirt trail under a crisp, but blue, sunny sky. Pure innocence.
My tragic error was looking back. I returned to Rockwood, Oregon with Merri and my kids to show them this part of their roots. Following the route, Terry and I had walked were the candy store, grange hall, old wooden buildings and their home spun honesty and charm.
Instead we found six lanes of fast, frantic traffic and road rage. McDonalds, KFC, strip shopping centers. The car radio blared warnings of local gangs and drive-by-shootings. Beauty, innocence, sweet simplicity, replaced by drive ins and drive bys. Gangs and drive-by shootings replacing a tender walk in the sun. Good bye memories, good bye.
How can our kids walk in places like this? How can we return to those old feeling of security and comfort?
How can any of us possibly keep pace in this world that's moving so fast? Then something inside snapped. "There has to be an answer for honest, hard working folks to enjoy the wonderful opportunities of today and regain what we've lost over the past forty years", I swore to myself.
How can we keep up, without having such a fast paced life we turn into machines? Where do we find time for God, family, charity, and our friends? How can we rediscover those sun filled, pine needle covered, dirt paths we want to walk?
"There has to be places that are still innocent and pure", I thought. "There has to be a way of life that does not pound us with stress".
This thinking led me to begin reviewing the thousands of economic and business experiences I have shared with readers over the decades. This started a search for a simpler way of life and a better place to earn and protect our wealth.
By digging, asking and observing, traveling and talking to investors and investment managers all over the world I found that there are true paths to real security in the here and now. That knowledge helped me develop courses on how to have natural health, everlasting wealth and purposeful investments.
This knowledge helped Merri and me invest in stocks and real estate all over the world. It helped us find and develop Merrily Farms into a sanctuary here on Little Horse Creek.
That almost error led us to create an entire portfolio of information on how to keep pace, get ahead, enjoy our modern society but, to enjoy life wherever you choose without having to move too fast.
This is why I am making a special three day "Let's get our lives back offer".
"What would you think in the last 30 seconds of your life if you were the richest man in the world but were unhappy?"
This quote is from the opening slide of our Value Investing Seminar, "How to Secure Your Future With a Value Breakout Plan". This a vital question because few investors think about the value of comfort and happiness. Yet the truth is, those who are comfortable and happy with their investments are most likely to make good investment, business and lifestyle decisions.
Without comfort, no matter how much money a person has changes are, they'll eventually lose it or kill themselves with stress from worry.
There is a way to have the perfect form of financial security. Let's call it the perfect pension. To help understand how to build an unshakable economic platform, here is Part One of the report, The Pruppie Factor.
The Pruppie Factor – Seven Steps to Comfortable Living & Profits.
"May you live in interesting times". That's a Chinese curse that seems to have been cast on our modern world. We can enjoy comfort and profits in the year ahead despite this fact.
Become a Pruppie. Integrate your earning with your investing and enjoy peak living, everlasting wealth and natural health with PIEC Investing in the year ahead.
Before we look at what PIEC means, let's delve into Pruppieism, the new economic and social realism. Pruppies expect everything to expand. They take advantage of every new benefit and technology they can. Pruppies enjoy using the fruits of our ancestor's deliberations and labors to earn in this advanced technological world. They also engage in activity that they love that would sustain them in case society and the incredibly intricate weave of our global economy and society should fail.
Pruppies are prepared in case everything, everywhere, or at least everything relating to their income and savings fails and the fabric that surrounds their lives disintegrates into an unknown veil. Yet a Pruppie's preparation is not a sacrifice, but a joy as you will see.
Hope springs eternal and it should. One of the key themes in my first book, Passport to International Profit, (published in the 1970s) was "The Sun Always Shines Somewhere". This thought has been in and remains a foundation of everything I do.
Sometimes this sunshine is hard to see because the press always focuses on doom and gloom. Current news often makes the world seem about to end. We cannot blame the press. Bad news sells. The majority seem to want to worry instead of learn about all that's good. This does not make doom and gloom right. This is why the majority are also the rich portion of the population, but bad news is an economic fact for the press.
Yet despite all the negative headlines, we have lived through the Cold War and MAD, Y2K, GridX II, the Peak Oil Crisis, the recession of the 1970s, 1980s 2007, etc. etc. etc. Chicken Little is always out there, selling the falling sky. Don't buy into this story!
History suggests that there will always be opportunity. The sun always shines somewhere.
Brexit, global warming and the election of Donald trump as President of the United States are 2016 examples of how the press gravitates to negative news. These three events may be bad news or not. The future will tell, but they are examples of how the media focuses on tiny parts of our infinite existence. They can make anything and just about everything seem negative. This can blind us to the positive realities ahead, if we let it. Don't. Expect that the world will remain standing and look for opportunity instead!
Our wealth and economic opportunity is pushed by supply and demand. We are part of a growing global population. New technology makes more people, as a whole, more productive every day. The world has increasingly larger markets creating more supply in increasingly efficient ways.
This reality increases everyone's wealth. Yes there is a lot of bad news in many places. There is inequality. There is crime. There is war and hate and injustice. Despite these negatives there is even more that is positive. Opportunity grows.
Pruppies tap into and use every bit of the good news they can. They have a plan B if everything goes wrong, but Plan B is based on something a Pruppie wants to do we love, not just a shelter from bad news.
At the end of this report, you'll find three day special offer that can help you integrate earning and investing for the ultimate form of profit and safety.
Imagine this example of Pruppism. The Tiffany lamp casts an amber glow, rich, ivory and warm in the grey gloom of early dusk. The gold knobbed mahogany desk, its deep patina waxed and smooth, shines with reflections of ancient leather Chesterfields stuffed full, but rumpled with age and of maritime shots that hang in brass frames on the wall. The room speaks of settled tradition, the kind that might never end. But thoughts instead are on the demise of the business that has supported this room.
The late Jim Slater of Slater Walker, a British industrial conglomerate turned bank in the 1970s was in that room. I recall his bank's collapse well as I was living in Hong Kong and Slater Walker was a huge going concern in what was a British colony in those days. The Slater Walker crash was big news that unsettled the entire British banking system at the time.
Slater, the founder, had been a really high roller, using every modern banking tactic available including buying many assets with cheap loans. Then in the mid 1970s banking crisis interest rates skyrocketed and his bank was unable to refinance its debt. The company failed and Slater had to resign. Numerous charges were brought against him and he spent considerable time defending what he had done.
In the end he was only fined a nominal sum but despite this, his banking career was well and truly dead.
However he had already moved on.
He wrote about this in his autobiography, "Return To Go". He had always had a hobby making puppet shows and telling stories to his children, so instead of banking, he turned his passion into profit and wrote some children's books. His first effort sold a respectable 35,000 copies. His next a monster series for younger children, became a huge hit.
He had also maintained a hobby of salmon fishing so again turned his passion into profit by creating a business that bought up fishing rights and resold them as time-shares. He had quite a success.
Some day a catastrophe beyond our control could redirect the course of our lives. We might lose a job, learn that our pension won't pay or that our dollars won't buy as much as they must.
Though Jim Slater was a banker, outside economic forces beyond his control caused his business disaster. Yet he had options because he had been doing things he loved that were not related to his banking, but could become useful income generators in difficult time.
I do not know if Slater understood Pruppism but that's what he was practicing.
Pruppism is a positive realism based on the knowledge that much of our lives are directed by events that we do not know or expect and could not change them even if we did. There is always something we do not know and that's okay.
Years ago I was speaking at an investing seminar in Marbella Spain. One of the speakers was a brilliant strategist, Johan Peter Paludan, of the Copenhagen Institute for Futures Studies. This institute has a large interdisciplinary staff with expertise in economics, political science, ethnography, psychology, engineering, PR and sociology. They identify and analyze global trends that influence the future. Paludan was speaking of these trends and answering questions that delegates had about the world's economic future.
One delegate asked what to do if there was a global nuclear exchange. Paludan replied that the results of some events are so unpredictable that it is not worth trying to plan for them.
This thought has stuck with me for decades because it helped me realize that no matter how cautious, how defensive and careful we are, there are events that we cannot even imagine that can turn our lives upside down, for the good or bad. With this in mind my wife Merri and I have created a lifestyle where we turn our passions into profit but in a way that whatever happens we are likely to be in a position to spot the positive and the opportunity.
A PIEC Experience
Pruppies gain the benefits of PIEC wealth. PIEC is an acronym for "Personal Income Earning Corridor". PIEC income and wealth come from doing what you do for love, rather than just the money.
Traditionally people get jobs to create income. They work to live and support their lifestyle while attempting to spend less than they earn. They hope, that maybe the savings will bring, sometime in the future, a lifestyle of doing something enjoyable without work.
Pruppies reverse the priorities. Instead of working for money to save and invest, they focus their prime effort on doing something they enjoy right now. Then they learn how to enjoy the effort in some profitable way. They learn to create "Avenues of Abundance" that combine lifestyle with the necessary task of accumulating wealth.
If economic circumstances tie them to an existing income effort, they create hobbies that are income producers of the future.
For example, if a Pruppie loves golf; instead of working six days a week, 50 weeks a year just to golf on Sundays and during short vacations, instead he or she will create a business in some aspect of the golfing trade.
In another example, a client of mine, who loved animals became a vet. But he learned that the vet's lifestyle was not one he enjoyed. He wanted to travel and move around, which is difficult for a professional who needs to stay at his office and build a practice. So he built a business that prepares special animal foods for race horses. Now he travels globally visiting horse breeders and makes much more money as well.
Pruppies combine money with time, energy and desires. They generate income doing something desired. Desire and fulfillment become at least as, if not more, important as the money.
#1: Do What You Love!
The reason PIECs work well is that when we love to do something, we do it better, for longer and with greater enthusiasm.
Effort, determination and tenacity are wealth building attributes that cannot fail. Yet Pruppism does not mean we should suddenly abandon our jobs and try becoming golf pros, when we have never been able to break 100. Smart Pruppies start small and gradually expand into their passion.
For example, as a writer and lecturer, I was never fully satisfied sitting behind a desk or standing on a podium all day long, even though I was making over a million bucks a year. I'm the physical, outdoors type and yearned for exercise and the wilds of the deep woods. "What good's the money if this isn't fun?" I often asked myself.
Rather than quit writing and teaching, I looked for ways to combine these professions with the outdoor life. Through research I learned that many city folk like myself yearn to be in the primitive outdoors. So I bought an isolated farm high in the Blue Ridge Mountains and an Andean plantation high in Ecuador where I developed seminar centers with charming but simple dwellings, set in rustic surroundings, with clean water and pure air. Now I live in nature so after I finish the writing or talking, I can walk in the woods or take my axe and chop firewood or something physical. I've combined my writing with physical work and have blended the life I want, with my readers' needs in a way that makes great financial sense.
We built a series of cabins in the wild that bring more profits than most stocks or bonds could ever return.
The process took six years to shift. Now we have been at this for nearly two decades and we are far from finished. But while doing what we love, who cares? This is one of the great benefits of PIEC investing. We can slow down and enjoy the work instead of always rushing ahead, looking for something more.
Those who work nine to five can start PIEC businesses part time if they are too uneasy to quit their jobs. Others, who like myself, already have a business can slowly shift their product or service in a sensible way and let it evolve toward their PIEC.
But where do we start?
There is a seven step process we can all use whether we have our own careers, a business or even if we are retired (PIEC investing is especially good for retired folks who have found the supposed good life flat or financially short).
The first step is to get a clear idea or vision of our dream. This is sometimes harder to achieve than it seems. We are so deluged with false ideals from Washington, Wall Street, Madison Avenue, etc. that we have to stop and really take stock. What do we sincerely want?
There is a very practical economic reason to look inwards for wealth. Warren Buffet recommends that we only invest in what we understand. What can we understand better than ourselves?
This inner search will lead us to an ideal that begins the second step which is gaining enthusiasm. How can we be anything but enthusiastic about finally fulfilling our deepest dreams? The enthusiasm leads to the third step; gaining an education.
We need to find out everything we can about our idea. To succeed we must take the third step and become real experts in the product or service we offer.
Fourth, this educational process allows us to develop an intelligent, focused business plan we can act upon and the action is the fifth step which brings us the experience. Experience gives us the sixth step, a financial loss or profit. We always profit in increased knowledge which creates the seventh step, more ideas.
Then the entire cycle starts all over again: Idea, Enthusiasm, Education, Action, Experience, Financial Profit and New Ideas.
This is a way to keep adding new opportunities into our lives. Business is rarely static. It is an ever evolving process instead.
This seven step cycle may take days, weeks, months or years, but the moment you begin you'll start moving into an avenue of affluence where you love your work so though money isn't your main goal it comes more easily.
#2: Do what you love, but also be of service. Do something for others that is meaningful and important to you.
We all have a purpose in life and when we are filling it, we feel fulfilled. Wealth and fulfillment is the goal. Fulfillment is important because of the law of diminishing returns. A 2008 study that analyzed Gallup surveys of 450,000 Americans suggested that day-to-day contentment improves until income hits around $75,000 per annum. After that, more money just brings more stuff, with far less gain in happiness. Income beyond $75,000 does not do much for a person's daily mood.
This is a pretty general study and regional differences in costs, inflation and life circumstances will create many fluctuations from this norm, but the point is when money is the main goal, the better you get, the harder it will be to gain satisfaction.
Giving, on the other hand, never has limitations, especially when the giving helps complete a purpose that is part of our destiny.
This is true in business and investing. A study of investors for example found that investors with socially responsible ideals gained the best returns. A dual goal of profit and achieving some social benefit provides a purpose beyond returns. This brings comfort and determination to the investments and the added stick-to-it-ness helps increase profits.
The financial giant State Street Corporation's Center for Applied Research did an 18 month study of 7,000 investors to get a better understanding of the role incentives play in making investment decisions. Based on this study a new measure of investment performance called "Phi" was created. Portfolios were previous rated by their Alpha, Beta, and Gamma. Phi is the newest measure of performance.
Alpha measures an investment's performance against a market index. If the Standard & Poor's 500-stock index is up 10 percent and a mutual fund is up 15 percent, for example, that 5 percentage point difference is alpha.
Beta is the return of any given market. And charting beta is what a passive index fund does. Comparing different indexes' beta — say domestic equities and international bonds — helps investors in deciding how to allocate their investments.
Gamma is a measure of the impact on returns of more intelligent financial planning decisions. A Gamma rating quantifies the additional value that can be achieved by optimal asset allocation, a dynamic withdrawal strategy, incorporating guaranteed income products (i.e., annuities), tax-efficient decisions, and liability-relative asset allocation optimization.
What phi aims to add is a way for investors to quantify how their motivations — or those of the people managing their money — will affect long-term investment returns.
The study examined what motivates a person to invest — or not and found that main investment motivations are market-based motives, the most frequent and powerful being fear in the market. Both market motivations, the prospect of profit and the fear of loss, can have a negative effect on long-term performance.
A deep sense of purpose is what causes a high phi score. A high phi factor is not about outperforming markets or peers, and it's not an asset-gathering measure of performance. Pi performance is defined as sustainable investing with a deeper sense of purpose.
People who invested with socially responsible ideals did best in the study. The dual goal of profit and achieving some social benefit provides a purpose beyond returns. This brings comfort and determination to the investments.
The study helped define three aspects of investing that are generally ignored, purpose, habits and incentives.
Purpose. Purpose requires some soul-searching questions about what we each want our life to be. This purpose is more important than the investment goal. The purpose of the money we have becomes more important than the amount in the portfolio.
Habits. Habits come next because we need to create habits and routines that keep us on the path of our unique purpose. The marketplace does all it can to distract us from our goals. There is an endless stream of news, rumor, conjecture, facts figures, ideas and tactics generated by every part of every stock market aimed at getting us to act in ways that benefit the agenda of others.
Habits help us avoid being distracted from what we are meant and want to do. The muffle the noise of Madison Avenue, the spin from Washington DC and the hidden agendas of big business.
Incentive. Changing incentives to accomplish a purpose instead of a numerical (percentage or profit) goal helps us adopt better behavior. We react to accomplishing our meaningful purpose instead of drama created by media as well as manipulation and short term whims in markets.
The study showed that changing incentives in this way improved phi when they had a meaningful impact on a person's investment strategy.
The study found these facts: Every one-point increase in people's orientation toward investment goals with a purpose — and the scale is 0 to 3 — equated to 42 percent greater odds that the investors know what they are paying in fees, 37 percent greater odds that investors are not rejecting their financial adviser, 38 percent greater odds that the people consider investing in socially responsible investments and 79 percent greater odds that investors will trade less frequently, the research found.
As in so many others cases, two of the most important factors of success are keeping costs and trading activity low. These are among the most powerful ways to increase wealth. Having greater fulfillment as well as more wealth is a bonus that Pruppies call "Everlasting Wealth".
Figure out what is really important in life for you and then find ways to invest in that purpose. When you do, you'll be on a solid path to everlasting wealth that is not so easily diverted by the daily drama that seems to be unfolding in the modern world.
Learn to focus your investments using purpose as the most important investment goal. The purpose of money becomes more important than the amount.
Learn how to create habits and routines that keep us on the path of our unique purpose. The market will do all it can to distract us from our goals. Understand that many banks, brokers, the media, the government and commerce all have agendas to take our money, not make more for us. Good wealth habits and routines protect us from this.
#3: Integrate your earning and investing.
Long term success in business and investing are determined by control and comfort.
Comfort comes from feeling in control, but since there is always something we do not know, real comfort comes from knowing that we are serving a valuable purpose, the best we can, regardless of how events unfold.
Real comfort helps maintain determination, dedication and enthusiasm, all among the most vital parts in the process of succeeding in investing and business.
Our own business increases comfort because a business is simply an investment that gives us more control due to the addition of our own time and energy.
A Personal Income Earning Corridor (PIEC) begin with a main income generator that we control. For some this is a job with a salary. For others it is a pension. For many it is their own business.
Integration of business and investing is important because investments are not always good income generators.
Years ago I managed an investment portfolio for Canada's largest private investment management firm. One day, during lunch with the president of the firm, we discussed the difficulties of professional fund management. He explained that one of his biggest problems was the excessive expectation of customers.
"I have a retired client who has a million dollars", he said. "The client wants $90,000 a year to live on. In a good year, we might earn 11%. The client can take 9%. Our fee is 1% and the client's fund increase by 1%. In a bad year, we might earn 5%. The client takes 9%. Our fee is 1% and the client's funds drop by $50,000. In the next year the client has even less to work with so a withdrawal of $90,000 may be more than 9% of the portfolio. The client tends to take even more in good years, but never reduces the demand in bad years."
The number one golden rule of investing is that there is always something we do not know. Risk is always our partner. When we invest, there is always potential that will negatively affect our financial welfare. Our investments might rise or fall because of market conditions (market risk). Corporate decisions, such as whether to expand into a new area of business or merge with another company, can affect the value of our investments (business risk). If we own an international investment, events within that country can affect our investment. There is both political and currency risk. There is liquidity risk because we may need to draw on an investment at a time when it price is low.
Plus there are broken promises.
We live in an era of broken promises. Defaults could ruin most average retirees and even investors.
A look at government, social and currency breakdown at its worst can help us see the problem. Germany is an example when it borrowed heavily to pay WWI costs. Such borrowing almost always leads to currency and social erosion and this did then. Right after the war there was some stability, before government spending began to run wild. By 1923, it reached the worst in history. This caused prices to sometimes double in hours. In Germany by late 1923 it took 200 billion marks to buy a loaf of bread.
Hard-working people with modest spending habits could not even buy a postage stamp with their life savings. All debt was wiped out but so too were all savings.
Salaries were paid three times a day yet shops were empty. Food riots raged. Businesses closed down, unemployment soared. The economy collapsed.
Anyone on a fixed income was destitute. They sold everything just to buy food.
Small businesses however survived because they could hold material things such as clothing, food, anything people could consume.
Recent news about Social Security, pensions and health care shows that the US government has excessive debt today and that we as individuals need tactics to make sure, when governments, pensions and insurers weasel out of their promises, that we can take care of ourselves.
One big broken promise is Social Security and Medicare. The most recent Social Security trustee report shows that the programs will begin to spend more than they earn within just three or four years. The Medicare hospital-insurance trust fund, could use all its reserves by 2028. They face insolvency over the next 20 years because Social Security runs totally out of money by 2034.
This is a bigger problem then it may seem because it creates an even bigger broken promise concerning the US dollar.
Medicare and Social Security already account for 41% of federal spending. That was the expenditure last year. This is not a static problem. Each year that percentage is growing worse. This creates a special risk for the dollar because Social Security's reserves are not really assets at all. The purported assets are simply IOUs from the US government.
Social Security assets are a liability of the government, so eventually the money comes from the same place as all other government expenditure, taxes or federal debt. This means that if Social Security has to sell an asset, then the government, already overburdened by debt, will have to borrow the money from somewhere else.
If the Fed cannot raise enough money to pay Social Security only two options are left, devalue the greenback or don't pay.
When Social Security was established in 1935, the President and Congress imposed taxes to pay the promised benefits. Thirty years later politics had changed. When Medicare was established in 1965, the government took credit for the popular health coverage but left the payment problem for future generations.
President Nixon and Congress also enjoyed the popularity of they increased Social Security benefits in the 1970s but left future generations the bill.
The public has not been fooled. A survey in 1964 found that 77% of the population answered yes to the question "Do you trust the government to do the right thing "just about always" or "most of the time". Only 19% answered yes in 2015 according to Pew Research.
Yet what can individuals do other than what we have, voting in new administrations?
Voters attempted to create change in 2008 with a new administration. The election process and result of 2016 suggests they were no pleased with the results. 2017 and beyond may be "interesting" years.
There should be little wonder that Americans have stopped trusting politicians who promise benefits to get and remain elected but leave the burdens of paying for the promises to pile up waiting to sink the next administration.
This problem has grown so large that in 2011 Federal Reserve Chairman Ben Bernanke "maintaining the status quo is not an option. Creditors will not lend to a government whose debt, relative to national income, is rising without limit."
In 2014 Federal Reserve Chair Janet Yellen told Congress that more work must be done "to put fiscal policy on a sustainable course."
If the government does not resolve this problem soon, then the world of lenders will. If the US has to raise interest rates to continue attracting loans, a downward spiral will grow. Higher rates create greater debt and greater debt demands higher interest payments. The costs will be catastrophic. As investors flee US bonds and T-Bills for safer investment, the US dollar will lose purchasing power.
Social Security, if paid and even if paid in the same amounts as before, will buy less. If Medicare stops working then all that's left for backup is Obamacare and the private insurers in the plan.
This is another broken promise. When United Health Group, the nation's largest health insurer, recently announced that it was pulling out of Obamacare insurance the public learned that it will face higher premiums. Many will need to choose a new plan, change doctors and hospitals as well. United Health is not the first or only insurer to quit. A dozen nonprofit health insurance cooperatives shut down just last year. The giants Aetna and Blue Cross Blue Shield are even considering a drop out.
If Social Security and health care promises are broken that just leaves our pensions. Right?
Yet if we look at the Pensionrights.org website we see hundreds of corporations that have reduced pension benefits including the likes of Honda Motor Co., Ltd., Allstate Corp., Coca Cola, Boeing, Caterpillar, Kraft Foods, Hewlett Packard, Fedex GM and GE to name a few of over a hundred.
This problem is not limited to corporate pension. An Economic Budget Issue Brief issued to Congress from the CBO (Congressional Budget office") says:
"By any measure, nearly all state and local pension plans are underfunded, which means that the value of the plans' assets is less than their accrued pension liabilities for current workers and retirees" CBO.
The report shows that even five years ago the short fall of State and Local Pensions was over 3 trillion dollars, more than all other state and local debt
That leaves the Pension Benefit Guaranty Corporation (PBGC) as a safety net. In the 2015 PBGC's annual report the Director's message says: "One of the most important functions of PBGC is assuming responsibility for pension plans when their sponsors can no longer keep them going. We insure the benefits of more than 40 million workers and retirees. Currently, we pay more than 800,000 people each month. An additional 585,000 workers are scheduled to receive benefits from PBGC when they retire."
But if you look at the first paragraph of the Financial Report in that annual report you see:
"PBGC's combined financial position decreased by $14,577 million, increasing the Corporation's combined deficit (net position) to $76,349 million as of September 30, 2015 an all time record high from $61,772 million as of September 30, 2014".
Every step along the way we see shortfalls, debt with little hope of repayment and an economic overhang that will eventually create broken promises at every level from the pensions, healthcare, Social Security and most from a falling US dollar.
These facts will ruin the life styles of millions, but not all.
In short, there is risk in even the safest investments and there is a possibility that a negative financial outcome might occur.
This is why multi dimensional business opportunities make sense. You can profit from expanding your utility. The US currency may fall but your business can offer valuable, needed services or products that will be worth more than gold.
You can gain from having a source of income in a place where you have the best chances of control. This is why for centuries… small business have had a home upstairs and business below, so the owner could control their business.
Those who profit most in changing times are those who add new dimensions to old time proven ways. Modern technology offers many exciting ways to create multi dimensional profit and can earn income at home.
When you have your own business, you reduce the need to place excessive demands on your savings and you reduce the risks of broken promises especially when your have a multi dimensional business with multiple streams of income.
At the end of this report, you'll find three day special offer that can help you integrate multiple streams of income and investing for the ultimate form of profit and safety.
Merri and I aim to create multi dimensional opportunity wherever we live.
In Florida we bought a house and an orange grove next door. Then we added a rental unit.
In North Carolina we bought a farm, then we added a seminar center, rental units and a trout raising business.
Products and services of essentials, food, clothing, shelter, protection and good health are the real golden assets in the worst times.
Imagine the scenario where our entire structure melts down. "See the man who has just come in to get some milk for his family. He stares at the rows for canned milk. They were empty. Cleaned out. He closes his eyes. The world spins. He snaps his eyes open and checked the rows again. They are still empty. He feels oddly betrayed. Grocery stores are the supports of life. When you need something you come here. This is a fact of life in today's world. How can he not take this for granted.
"He rushes to the dairy case. That's empty too. He runs to other shelves and sees shoppers piling up food, any food they can grab, throwing entire rows into their carts. He is pushed and shoved in a mad rush to take any remaining food.
"The man speeds off to the nearest Dollar Store but finds the parking lot filled, lines waiting just to get in the door."
Just one disruption in the supply line and in a day, the stores were empty. Our modern world is so intricately connected and stores operate on a just-in-time inventory control system. When you buy anything a computer orders more and it comes next shipment, next day. One glitch in this complex system, one short break and the shelves rapidly go empty. The barer the shelves, the faster everything goes.
Yesterday everything had been normal. Suddenly there was no milk anywhere.
The man's tale is imaginary, but the fabric behind it is not, as the real story below shows.
In September and November of 2016, the Colonial pipeline that supplies millions of people with gasoline was shut down.
In November, one simple error caused the disruption. A track hoe digging for utilities accidentally struck the pipeline, ignited gasoline and caused an explosion.
In September there was a leak (over a quarter million gallons of gas) that caused the disruption. While shut down, so many people rushed to the gas station to fill up that it created a panic and shortage.
I spoke with the owner of the local gas station we use. He said people were lining up to fill their cars, gas cans and even large tanks in pickups. He had to limit sales.
A shortage of just about any essential quickly creates panic. In the pipeline disruptions motorists running to gas stations deviated from their normal consumption habits at the pump and quickly exhausted existing supplies.
There was still plenty of gasoline, but the ability to transport the product to North Carolina (and four other states) was restricted. Loss of common sense, civility and safety flew out the window within hours.
This was despite the good news that there are two pipes that run side-by-side. Only one was ruptured, so the disruption was not as bad as it could be.
The September leak, just one small problem in just one pipeline led to days of dry pumps and higher gas prices in Alabama, Georgia, Tennessee and the Carolinas while repairs were made.
Five states are so dependent on just two side by side pipelines that their shutdown can create panic for millions of people in under one day.
Merri and I make each of our houses multi dimensional…a home and a source of income from some essential product.
Governments are going further into debt globally. This creates serious debt and economic problems everywhere. These burdens mean that governments and societies lose their ability to keep their promises. Multi dimensional earnings can help overcome the risks these conditions create.
Our website has long shared the idea of multi dimensional business, investing and living. We have looked at the idea of living as a landlord or the idea of multi dimensional writing and farming or Ecuador farming with B&B, plus Ecuador B&Bs on the beach or in the Amazon to name a few.
Multi dimensional opportunity earns in numerous ways.
Merri and I have always created multi dimensional opportunity in our global travels. We have united self publishing, seminars, tours, real estate, teaching, currencies, investing and real estate to enhance our income and living. For example in London we converted a house into an office and bedroom time share. We found special currency deals that helped.
I came across this (one of my first) multi dimensional opportunities when I wanted to finance a house purchase in London. My business plan was to create a small office-apartment complex. I would live in part of the house, have an office in part that I would share with a number of my readers. The deal was aimed at helping overseas businesses people have an office and a place to stay when they were in London. I set up a club something like a timeshare. Not quite a timeshare but close enough.
My track record with the bank was good and I had always repaid loans. Yet the policy at that bank was "timeshares are no-nos". I could almost see the glaze come over my bank manager's eyes as I explained the project. It was the look that said "No matter what you say, the answer will be NO". Once a manager thinks that what you want is against company policy, it is better to do something realistic like climb Mount Everest on a lunch break. I come from a family of modest means and had no relatives or friends with the cash to start the deal so my alternative was to find overseas investors.
After making the necessary polite motions with my banker and letting him do likewise, I thanked him for his time and was preparing to leave.
Then he said, "By the way let me show you our new American Express Gold Card plan". The bank had just started to offer credit cards and they came with a 7,500 pound unsecured overdraft. He told me that overseas investors could have these as well as local investors and customers.
Overdrafts are a peculiarly British line of credit that allows you to borrow up to the limit of the overdraft without any regular payment plan. The banker sort of expects to see the amount borrowed rise and fall. The borrower just pays interest on whatever amount is owed and on occasion the bank reviews the overdraft with you.
At that time one pound equaled about 2.2 dollars so this meant that everyone who obtained this credit card received a $16,500 dollar unsecured line of credit. $15,000 was the amount I was charging each member who joined my London office-apartment club! I immediately saw how to use this to attract overseas investors.
I wanted 50 members at $15,000 each which was double the $375,000 I needed to buy and develop the property. I saw how to turn my customers into my overseas investors.
My head was spinning as I left the bank. The bank would not give me a $375,000 loan secured by property. Yet they would lend my buyers of the club the full price of membership on an unsecured basis. All I needed was get half my buyers right now on a nothing down pre -purchase deal. This is exactly what I did. My customers became my overseas investors.
I hustled out, called my customers and offered them this deal they could not refuse. "Join our club now and you get an American Express gold card. The bank will lend you the money unsecured for your club membership. Pay it back when you can."
That was a deal that few overseas investors could refuse.
This was a much better deal for me than borrowing the money from overseas investors to start. The original 25 sales were financed by the bank. My customers had to pay the money back, not me.
My clients loved me for this deal. The British pound collapsed shortly after. That 7,500 loan that created over $15,000 became much less expensive…. barely $10,000. Those who borrowed made about $5,000 (33%) forex profit on the loan as well as the good real estate deal.
They made such a profit on the currency change I wrote a report about it and earned additional income from the report sales.
In that real example, I used my writing to enhance a real estate deal. The real estate helped me promote my seminars and sell a report plus I ended up with a income and a wonderful central London house to live in.
There are many multi dimensional real estate opportunities, land that offers a low stress, healthy home, farm income and other profit potential all at the same time. Merri and I sponsored many Ecuador real estate tours to help readers buy multi dimensional real estate like Ecuador beach farms that provide rentals and farm income.
When investing and business are balanced the building of wealth becomes a more fulfilling, enjoyable process of service. Great financial rewards are an extra benefit rather than ultimate goals. Worries about money become less dominant and we gain an inherent power because we want to work harder and longer. We don't need to search (and spend) so much for fulfillment and are more likely to excel financially.
Three Layer Financial Plan
Having our own business allows us to operate at peak performance and create a PIEC (Personal Income Earning Corridor). Having a 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 portfolios come in three layers, first the personal business, then a layer of very safe investments over a third, much smaller layer of speculative deals.
The majority of PIEC diversification beyond our business should be in stodgy, liquid investments such as utilities, CDs, bonds and good value equities.
I prefer Country Index ETFs that provide diversification into entire equity markets. 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 maximizes profits and adds comfort 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).
However, if you genuinely love researching and tracking the market and have the mentality, capital and experience for it, just being an investor can be a wonderful PIEC business in itself.
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 fulfill 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.
Integrating investing and business reduces the risks of placing excessive demands on your savings, especially if we have an anchor of value.
#4: Find your Anchor of Value.
Find your passion. Knowing ourselves also helps begin a business with a most powerful business tool I call the Golden Rule of Simplicity. This rule says there are millions of people just like us. When we truly see ourselves we look into a mirror that reflects an entire market who feel and desire just as we do. This is a simple rule yet gives us a finely tuned market research system which shows us how to get create our product, get in touch with our market, deliver the product or service and surrounds us with like minded souls.
Self-knowledge is also essential for comfort and comfort is a vital part of everlasting wealth. When investors are not comfortable, no profit is enough. Uncomfortable investors have a never-ending thirst for more that cannot be quenched. This indefatigable desire gums up the money making process. Amounts don't matter. Even investors with incredible assets suffer this never-ending lust. A well documented example is Bunker Hunt's huge losses when he speculated in silver in the 1970s. He had hundreds of millions yet speculated it all to make even more. When is hundreds of millions not enough?
Develop your investment rules. Whatever your passion you will need to establish your method – the criteria you will use to select shares for your portfolio.
Whatever your preference you need to establish your key criteria. Once you have your method working well, improvements come from experience and practice – learning from the successes and failures of each and every investment you make. The quote "The harder I practice, the luckier I get" applies here.
Know when to sell – and when not to. A key factor in effective portfolio management is to run profits and cut losses. This is counter-intuitive for most people because it is natural to want to grab a profit and rather unpleasant to realize a loss.
If you run your profits they can become very big. If you cut your losses they will always be relatively small.
To understand this approach better, let me ask a question. What if I offered you a free Mercedes Benz?
You would probably say YES… but would be thinking… "What's the catch?" That's good because we all know there is no such thing as a free lunch, much less a free new car.
Would an answer be harder if instead there was a choice, a FREE Mercedes or $4 million bucks (as in US dollars)?
Most would choose the cash. Yet of course we would still be expecting a catch. There is a penny to drop, some risk and the need to ignore the thundering herd and an absolute requirement of discipline.
Let me share a true story about how and why an investor in similar circumstances got the Mercedes and had the $4 million, but then lost it.
The story contains three valuable tips.
Once upon a time, 1981 to be exact, there was a recession. An economic and political mess arose across the land. The story began with unemployment. In 1981, the US Presidential election was over, the US economy was hurting and the new government and president were turning on the money printing machine.
This was a gloomy time, those early 1980s. Really. That was the worst recession since the great depression.
You often hear that the worst recession since the great depression was the great recession of 2007. This is statistically wrong. 1982 was worse.
The times were dark and this story begins at the end of the 1980 Presidential election when the US economy was at its worst in 50 years and getting worse.
Our hero in the story thought the stock market would recover, despite the fact that everyone thought everything was bleak and black. He approached his bankers and asked to make some leveraged investments in the stock market.
His goal was to make enough profit to buy a brand new Mercedes Benz.
He opened the account and bought shares. He used those shares as collateral to leverage these investments with borrowed Japanese yen.
His timing was lucky. The stock market rose quickly. The Japanese yen collapsed. His profits shot past his goal to buy the car.
The Fever
Bubble fever had set in so when the hero's investment manager called with that great news, "You have enough for your new Mercedes", the investor changed his mind. "Let it roll," the investor said. "I want to make a million instead".
The investment manager left the portfolio alone and soon the investor's profit rocketed past 1 million dollars.
The investment manager called. "You have made a million bucks… perhaps we should take some profits."
"Let it roll," the investor said. "I have decided to make two million instead."
The investment manager left the portfolio alone and soon the investor's profit rocketed past 2 million dollars.
The investment manager called. "You have made two million bucks… perhaps we should take some profits."
"Let it roll," the investor said. "I have decided to make three million instead."
The investment manager left the portfolio alone and soon the investor's profit rocketed past 3 million dollars.
The investment manager called. "You have made three million bucks… really we should take some profits."
"Let it roll,"… the investor said. "I have decided to make four million."
As the portfolio was nearing four million in value the investment manager called. "You have made almost four million bucks… perhaps we should take some profits."
"Let it roll," the investor said. "I have decided to make four million and enough for a Mercedes."
Shortly after the stock market corrected and the yen strengthened. Profits fell so quickly the investor lost a million almost overnight.
The investment manager called. "You have lost a million bucks… we had better take the profits."
"Hold," the investor said. "The market will come back".
The stock market fell more and the yen grew stronger. The profits fell even faster and the investor lost another million.
The investment manager called again. "You have lost another million bucks… it's time to take your profits."
"Hold," the investor said. "The market will come back".
The stock market continued to plummet and the yen rose more. The investor lost another million.
The investment manager called. "You have lost three million bucks now… You really should take the profits left."
"Hold," the investor said. "The market will come back".
Finally as the market plunged more and profits faded away, the investor, having lost more than 3.5 million, closed his positions and had just enough profit left to buy his new car.
The Mercedez was black and shiny… a big 500 SEL model… king of the road. The hero never enjoyed it much.
The moral of the story is that when you invest you need a plan, a discipline and to know when to holdem and when to foldem.
Remember that there are always three distinct options – buy, sell and hold. We'll look at how to decide when to buy, to sell and to hold later in this report.
Make sure you have some liquidity. You should always keep an eye on the "liquidity", the ease with which you can sell all or part of your portfolio. If you are invested mainly in big cap stocks you will have little trouble going into cash if necessary. However, if you have focused on smaller growth shares it makes sense to keep enough of your PIEC portfolio in large companies.
Select shares that can, if necessary, be turned into cash instantly and provide some comfort if the market as a whole turns ugly.
The potential gains on very large companies are not likely to be as high as those from smaller growth companies, but they can and often do well enough to give you a warm feeling. Remember comfort counts!
Diversify – but not too much. Your portfolio should contain no fewer than 10 shares, and you could put 10 percent of your money in each of your top selections. Diversification is essential to reduce risk, but too much of it can hinder performance.
One of the best ways to have huge diversification in a small portfolio is with Country Index ETFs. These ETFs are similar to an index mutual fund but are shares normally traded on a major stock exchange that tracks an index of shares in a specific country. ETFs do not try to beat the index they represent. The management is passive and tries to emulate the performance of the index.
Most country index ETFs are invested in dozens, often a hundred or more, shares.
For example, the iShares MSCI Australia (symbol EWA) is a Country Index ETF that tracks the investment results the Morgan Stanley Capital Index MSCI Australia Index which is composed mainly of large cap and small cap stocks traded primarily on the Australian Stock Exchange mainly of companies in consumer staples, financials and materials. With 72 constituents, the index covers approximately 85% of the free float-adjusted market capitalization in Australia.
A portfolio of a dozen country index ETFs represents diversification to hundreds of shares and a dozen currencies.
Diversifying into countries is safe because countries generally do not go away, go bankrupt or become challenged by changing technology and altering markets.
Diversifying into countries is also relatively simple because, there is sufficient analysis of global markets so every country's stock market can be compared and markets of best value included in a safe portfolio.
In addition these valuations do not change quickly. In 2016 our portfolio of 20 good value country index ETFs had only one change, an addition of the Turkey Index ETF, in the year.
This low volume turnover gives us time to put our focus and energy on our business and the passion we love most. Studies over decades suggests that this simple slow trading, highly diversified approach increases long term profits and increases safety.
Country ETFs provide massive, good value diversification at a really low cost.
Most passive country index ETFs have minimal cost structures.
#5: Keep costs down.
High trading costs are one of the biggest drags on the performance of your PIEC portfolio.
There are numerous costs we need to keep an eye on.
Load fees. Avoid back-end and ongoing load. When looking at mutual funds, we'll typically see them listed as A shares, B shares, and C shares. All of these share classes have some type of load. Avoid them.
A shares include a front-end, a guaranteed loss the minute you buy. B shares come with a back-end load, a guaranteed reduction of any profit or expansion of any loss. B shares typically charge 5% if they are sold within a specified time (normally five to seven years). There are also higher ongoing operating expenses for B shares. Fund companies typically charge up to an extra 1 percent a year for B share operating expenses.
C shares charge a penalty (usually 1 percent) if a sale is made within the first year. They also carry higher expense ratios.
12b-1 fees are fees hard to see internal fees that cover a fund's marketing and distribution costs. Funds can 12b-1 fees to pay brokers incentives for selling their funds. We should watch 12b-1 fees to make sure our broker is advising this fund because it is a good investment, not because he or she is receiving an incentive.
Management fees. We should make sure we get what we pay for, a good manager who makes us feel comfortable by helping build safety and steady performance in our portfolio.
Churning. Some funds and brokers churn, or buy and sell more than is really required. History suggests that the less activity in a portfolio, the higher the return. Active management is one thing, but funds and brokers can increase their income with excessive transactions that do little or nothing to help us as investors.
Misallocation. Many investors are misallocated for the benefit of the bank or broker. There are a remarkable array of unnecessarily risky, undiversified portfolios created to generate fees, and that have nothing to do with a client needs. Beware of complex and expensive portfolios full of bits and pieces that are hard to understand. Low transparency can often be associated with high costs.
Expense ratios in fund doesn't cover all of the costs. All investors, whether using funds or not face other costs such as brokerage and bid-ask spreads.
Bid-ask spreads for example are subject to market friction. Markets are liquid because makers standing ready to buy or sell shares at all times. They are paid by the difference between what they will buy and or sell for.
Shares that have less liquidity, ie. Not many buyers and sellers, have bigger spreads between buying and selling prices.
Investing in widely held index funds and index ETFs can reduce this cost gap. Such investments normally trade within fractions of a cent, keeping this this hidden expense in check.
Trading commissions make active trading an expensive way to increase profits. Trading costs sandbag our profits from the start.
Taxes need to also be considered. Buying and selling quickly increases fees and also creates short-term capital gains taxes.
Be careful of margin account as well. Most brokers will let us borrow money (for a fee) so we can leverage our investments. This increases any profits or losses created, but also adds the interest cost of the leverage.
If we add up all the potential fees, redemption fees, brokerage fees, back-end load fees, management fees, inactivity fees, 12b-1 fees, transfer fees, minimum equity requirement fees, commissions, the cost of limit orders and consultancy costs, before investing.
We should know what all our fees are.
Passive Funds Usually Cost Less. Because reducing costs is a major factor in investment success, low cost passive funds that do not require high cost managers generally out perform managed funds in the long run.
Over a 15 or 25 year period very few managers outperform the respective benchmarks of sectors where they invest by a couple of percentage points.
It's an easy way to game the stock market, and getting easier by the day.
In Part Two of this report we'll look at the more speculative end of our PIEC portfolio.
While we are sharing this report, I want to make a special offer, limited to the next three days, that can help you integrate your business and investing.
We offer two courses for attaining financial security.
The first is 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" course
- "Self Fulfilled – How to Write to Sell" course
- 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"
- Any updates to any of the courses, workshops, reports or recordings for a year.
You can learn all about this program at How to Have Real Freedom, but do not order the program there for $299 . If you subscribe to the Purposeful investing Course in the next three days, I'll send you the program free.
I invite you to join me and a small selective group who for the next year will participate in an intensive program called the Purposeful investing Course (Pi). The purpose of Pi is finding value to increase the value of and protect our savings, pensions, income and wealth in good times as well as devastating economic conditions.
Learn Slow, Worry Free, Good Value Investing
Stress, worry and fear are three of an investor's worst enemies. They 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 (almost) 50 years of global experience and my study of the analysis of four mathematical investing geniuses (and friends).
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 2017 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.
For example, in the 1980s, a remarkable set of two economic circumstances helped anyone who spotted them become remarkably rich. Some of my readers made enough to retire. Others picked up 50% currency gains. Then the cycle ended. Warren Buffett explained the importance of this ending in a 1999 Fortune magazine interview. He said: Let me summarize what I've been saying about the stock market: I think it's very hard to come up with a persuasive case that equities will over the next 17 years perform anything like—anything like—they've performed in the past 17!
I did well then, but always thought, "I should have invested more!" Now those circumstances have come together and I am investing in them again.
The circumstances that created fortunes 30 years ago were an overvalued US market (compared to global markets) and an overvalued US dollar. The two conditions are in place again! There are currently ten good value (non US) developed markets, plus 10 good value emerging markets.
Pi shows how to easily create a diversified, worry free portfolio in some of these good value markets using Country Index ETFs.
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 subscribe to Pi you'll receive the report, "Three Currency Patterns For 50% Profits or More" FREE.
Plus get the $39.99 report, "The Silver Dip" 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.
These two events are a strong sign to invest in precious metals.
I prepared a special report "Silver Dip 2015" and updated this in 2017. The report explains the exact conditions you need to make leveraged silver & gold 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 "Silver Dip 2017" offers enormous profit potential in 2017.
Save $457.95 if You Act Now
Subscribe to the first year of the Personal investing Course (Pi). The annual fee is $299, but to introduce you to this online course that is based on real time investing, I am knocking $102 off the subscription. Plus you receive FREE the $29.95 report "Three Currency Patterns For 50% Profits or More", the $27 report "Silver Dip 2015" and the $299 "Live Well and Free Anywhere Program".
Triple Guarantee
Enroll in Pi. Get the first monthly issue of Pi and the report "Three Currency Patterns For 50% Profits or More" and the "Live Well and Free Anywhere Program" right away.
#1: I guarantee you'll learn ideas about investing that are unique and can reduce stress as they help you enhance your profits through your own purposeful business and slow, worry free purposeful investing.
If you are not totally happy, simply let me know.
#2: I guarantee you can cancel your subscription within 60 days and I'll refund your subscription fee in full, no questions asked.
#3: I guarantee you can keep "Three Currency Patterns for 50% Profits or More" and "Silver Dip 2015" plus the Value Investing Seminar as my thanks for trying.
You have nothing to lose except the fear. You gain the ultimate form of financial security as you reduce risk and increase profit potential.
Subscribe to a Pi annual subscription for $197 and receive all the above.
I am so confident that you'll gain from this offer that if you are not fully satisfied, simply email me within 60 days for a full refund and keep the $299 "Live Well and Free Anywhere Program" as my thanks for giving Pi a try.
Read the entire Economist scientific article Diet and the evolution of the brain – Fish and no chips


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9th Annual Ghost Riders Weekend:
All STAR Chapters are invited to come out and play,NO WORK JUST PLAY!!!
The agenda for the weekend is very relaxed with no schedule. There is a meet and greet on Friday night at the Gray Ghost with snacks complements of Chapter 326. There is also a dinner on Sunday night which is included in your registration fee. We all get together to discuss the days rides, or plan Sundays ride. The owner of the Gray Ghost Inn is also a rider, and she has prepared many pre-planned rides. She is always willing to help you plan one of your own, and all the Inns are very motorcycle friendly.
How do you register? Each chapter will have one contact person, and that person will maintain a list of all attendees from their chapter including the following information.
Please email your attendee list to Bob Brooks @ firstname.lastname@example.com. He will maintain a master list, in the order the emails arrive. Bob will then coordinate with the Inns and secure the rooms. He will then email the contact person from each chapter with the Inn your attendees will be staying in. At that time, each attendee will then need to call that Inn with their credit card information to complete the reservation. Bob will make every effort to place all members of your chapter at the same Inn. Please do not call the Inns directly – all reservations MUST be handled by Bob Brooks. After you receive your reservation confirmation from him - if you need to cancel, you will then notify Bob and the Inn.
Below are the Inn's Websites:
Event Date: August 5th to August 8th
The cost for the weekend is $380.90 double occupancy or $276.25 for single occupancy. This includes 3 nights stay with tax, home cooked breakfast every morning and also the Sunday night dinner.
Cancellation policy
is as follows: All cancellations must be made more than 21days before your reservation date for full credit/refund. Any cancellations made after the 21 day cut off will incur a charge for one night's stay – the balance will be credited.
August 5th, Friday evening:
August 6th, Saturday:
August 7nd, Sunday:
August 7th, Sunday evening:
August 8th, Monday:

subset: commoncrawl


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X-Men: Apocalypse is an upcoming American superhero film based on the X-Men characters that appear in Marvel Comics. It is intended to be the sequel to 2014's X-Men: Days of Future Past and the ninth installment in the X-Men film series. Directed by Bryan Singer, with a screenplay by Simon Kinberg from a story conceived by Singer, Kinberg, Michael Dougherty and Dan Harris, the film features an ensemble cast starring James McAvoy, Michael Fassbender, Jennifer Lawrence, Oscar Isaac, Nicholas Hoult, Rose Byrne, Tye Sheridan, Sophie Turner, Olivia Munn and Lucas Till. In X-Men: Apocalypse, the first and most powerful mutant, Apocalypse, awakened after thousands of years, who is disillusioned with the world he finds, recruits a team of powerful mutants to cleanse humanity and create a new world order. Raven, along with Professor X must lead the X-Men to stop Apocalypse.
The film was announced by Singer in December 2013 with Kinberg, Dougherty, and Harris attached to develop the story. Casting began in October 2014 while principal photography commenced in April 2015 in Montreal, Canada, and ended in August of the same year. X-Men: Apocalypse is scheduled for release on May 27, 2016, in North America in 3D and 2D.
Click the photos to check out the new gallery updates:
Click the link to check out the album updates:
Movies > X-Men: Apocalypse > Trailer Stills
Movies > X-Men: Apocalypse > On Set
Movies > X-Men: Apocalypse > Promo Stills
Movies > X-Men: Apocalypse > Promo
PS: The soundtrack from the trailer is "Snow Ghosts – The Hunted"
Tags: 2016, Apocalypse, Bryan Singer, download, fanzine, Fassbender, fox, James McAvoy, Jennifer Lawrence, Magneto, main trailer, Marvel, Michael, Michael Fassbender, movie, movie photos, movie stills, news, Nicholas Hoult, official, official stills, Oscar Isaac, photos, poster, posters, Rose Byrne, still, stills, trailer, trailer #1, video, watch, X-Men, X-men 2016, X-Men 3, X-Men movie, X-Men: Apocalypse, Xavier
This entry was posted on Friday, December 11th, 2015 at 3:47 pm and is filed under Films, Gallery, Michael Fassbender, Movie Stills, Movies, News, On Set, Posters, Promo, Trailers, Videos, X-Men, X-Men: Apocalypse. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.


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Fic: Hunger and Wrath (Doctor Who)May. 11th, 2015 10:56 pm
Author: flowsoffire
Fandom: Doctor Who
Pairing/characters: Amelia Pond, aunt Sharon, Mels Zucker, Rory Williams, the Doctor
Genre: Angst/Drama/Friendship/Family ;)
Rating: K+
Word count: c. 2800 words.
Disclaimer: I don't own anything.
Summary: Amelia Pond is a thief. A story of longing and elusive realities.
Author's note: Written for the "Stolen" one-shot challenge on who_contest. Enjoy =)
( Read more... )


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Northville 5 & 10
122 South Main Street
Northville, NY 12134
(518) 863-4424
9am-9pm Monday through Saturday, 9am-8pm Sunday; Winter hours 9am-8pm weekly
The oldest 5&10 in the USA. Everything you need in one place: hardware, boating supplies, gifts, cards, souvenirs, clothes, crafts, books, toys, camping, homemade fudge, candy and more.
Route 30 North to the Northville Bridge (Bridge St.). When you come to a T in the road, the store is directly in front of you.


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Music Xray Is The Industry's Leading Song & Talent Filter
Over 1,000 Songs & Acts Selected For Opportunities Each Month.
Music Xray Is Also The Leading Fan Acquisition Platform For Musicians
Over 15,000 New Fan Connections Established Each Month.
Music Xray Is Trusted By The Industry & Musicians To Identify The Best
An Unclogged Pipeline Enables Deserving Songwriters & Acts To Shine.
- • Over 2000 Available Opportunities Across All Styles & Genres •
- • Automatic Song to Opportunity Matching • Selection Prediction •
- • Matching & Targeting of Potential Fans / Fan Conversion Ratios •
- • Detailed Analytics Showing Your Music's Progress & Traction •
Most recently added opportunities
Texas Artist Looking For His Next Number One
This artist has reached number one on the Texas regional charts with three consecutive songs. The good news is, he doesn't have to be a writer on the cut. He just wants great songs. Songs chosen will be pitched directly to the artist. A good work tape is fine. Get vocal out front.
Greathouse Publishing is a music publishing company based in Nashville, TN. We pitch songs primarily to the country and pop industry. While we do pitch to T.V. and Movies as well. Our focus is radio songs.
- Danny N Traynor Owner / Greathouse Publishing
Deal Type: Song Placement
Decision Maker: I'm the final decision maker
Deal Structure: Negotiable
Compensation: Negotiable
Song Quality: Rough Mixes, Fully mastered, Broadcast ready
Something To Brag About
We all know how critical Social Media Marketing is to indie artists today. Being able to share something important with your fans is always a good thing and may even get shared by your fans with their friends too.
Do you have a song that you would like added to our Meatballs playlist? If selected, Moozikoo will promote your song being added to our Spotify with a link to it for our social media audience to play.
More importantly, you will be able to promote to your fans that your song has been added to the Meatballs playlist and you can promote it too with the link for your social media audience to play.
Indie artists never have enough opportunities to promote good news about their music and this is an opportunity to exactly that.
STOP! If your song is not mastered, don't submit. Don't waste our time or your money. This is NOT the place to send demos.
Finally, we are not a good match for Rap or Hip-Hop and find those genres to be snoozers. Do NOT submit Rap or Hip-Hop simply because there are other opportunities where your money would be better spent.
- Moozikoo Creative
Deal Type: Exposure Opportunity
Decision Maker: I'm the final decision maker
Deal Structure: Non-Exlusive
Song Quality: Fully mastered, Broadcast ready
Seeking Public Domain Christmas Songs for Holiday Film
Needed ASAP! We need creative covers of public domain Christmas songs. Singer-songwriter, pop, pop country, indie and alternative - mid and up tempo especially.
In order for us to pitch your music for film, TV or Advertising:
a. You must own 100% of your master (recordings) , if you don't…
b. All master owners must sign our licensing agreement as well. (**no artist can be signed to another exclusive publishing or administration company.)
c. If you have paid musicians and/or singers you must have a signed 'work for hire' form for each person, so that they have no further claim to the song.
d. We will need an identical MASTERED copy of both the song and an instrumental track. (an instrumental with backing vocals & vocal stems are a bonus) If selected you will need to provide either an mp3 at 320kbps or a wav file.
Washington Street Publishing is an entertainment company with a focus on music in media. We are committed to finding the perfect song for each artist, film, TV or commercial project.
- Nancy Peacock / Washington Street Publishing
Deal Type: Sync Placement
Decision Maker: Selected tracks will be pitched for final decision
Deal Structure: Non-Exclusive
Compensation: Negotiable
Song Quality: Fully mastered, Broadcast ready
Songs: We Wish You A Merry Christmas, Jingle Bells, Twelve Days Of Christmas, Deck The Halls, etc.
Success Stories & Feedback
Music Xray Artist Phabo Lands Opportunity with Atlantic Records
Music Xray artist Phabo hit the right note with Atlantic Records' Vice President Urban A&R Shawn Barron. In an interview earlier this year with SWURV Radio, Phabo mentions his upcoming project, Ratchet & Blues, as well as his "dabbling" into songwriting. Shawn Barron has been working with the the Los Angeles based artist and songwriter on upcoming Atlantic Records cuts.
You can hear Phabo's song that caught Shawn Barron's attention HERE, as well as his recent project, Far From Phabian, on Tidal, Spotify, Itunes, as well as Soundcloud.
Check out Atlantic Records/Shawn Barron's profile and opportunities HERE
Music Xray artist The Simple Parade lands Sync deal with JTV Digital
While going through tracks in Needlestack, JTV President Jeremie Varengo seemed to have found what he was looking for when he came across a track by The Simple Parade. A duo based out of Denver, The Simple Parade has been with Music Xray for a little over a year. The infamous track Go With You, spent 3 months on Music Xray before being spotted by Varengo in October of 16'. The result was a 5 year non-exclusive sync license deal that has the signs of a very fruitful relationship between the two parties.
Hear The Simple Parade's track "Go With You" HERE
Check out all the opportunities from JTV Digital HERE
Artist Archie Thompson Lands Song Placements in Blockbuster hit, and #1 movie in America, 'Tyler Perry's Boo! A Madea Halloween' and hit NBC TV series, 'Timeless'
Music Xray artist Archie Thompson has his song "Funky Pad" placed in the blockbuster hit, and #1 movie in America, 'Tyler Perry's Boo! A Madea Halloween'. He also had his song "Soul Tonic" placed in the hit NBC TV series 'Timeless".
Through Music Xray Mr. Thompson procured a publishing deal with Eddie Caldwell of Music Of The Sea, Inc. He's had numerous placements, and Eddie has continued to pitch his music for a wide variety of opportunities. Mr. Thompson says of Eddie, "He is a consummate professional, and due to his hard work, my music is being heard throughout the world! Big thanks to Eddie, and to Music Xray for providing the platform that enabled me to find a great publisher! Today's music business is incredibly competitive, and I believe it takes a team to achieve widespread success. I couldn't be happier with my working relationship with Music of the Sea."
Congratulations to Archie Thompson and Music Of The Sea on another amazing song placement!
Check out all the opportunities from Music Of The Sea, Inc. HERE
Learn more about Archie Thompson and check out his music HERE


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Join us and celebrate the season with mulled wine reception from 7.30pm, sumptuous three course dinner followed by a wonderful evening of entertainment provided by the Bentley Boys and DJtil late.
Special accommodation rates available.
Tickets €69 per person.
To book or more more information please call +353 1 618 5600 or email us.
Why not check out the New Years Eve Party @ Clayton Hotel Burlington Road?Download Christmas brochure (PDF)


text: Details Curatorial Note Vinod Daroz draws inspiration from the natural world encapsulating the creative forces of Yin and Yang, of Lingam and Yoni. His Exhibition at Gallery Threshold, New Delhi starting 14th Feb 2016, features hisrecent sculptural installations. Titled Papillon the assemblages are a stylistic andsymbolic representation of these key forces and they take the shape of frames, cushions, pipe, spouts and flowering buds that explore sexuality, sensuality and memory. Creating from the void, thrown pots, bowls, plates and vases, Daroz has direct contact with his medium that he deftly pinches moulds and folds to suit his expression which is often spiritual. With his roots in a traditional jeweller's family from South India, Vinod has a subliminal reference to the feminine forces of positivity, godliness and peace, alongside the architecture of the South Indian temple. The use of gold is extensive in this set of works, symbolising the well-being of our environment. The young Indian master of ceramic art presents his viewers with a stunning array of jewel-like creations that stretch across centuries. Artists Vinod Daroz Press Reviews Asianage Verve Indian Express ELLE Decor India Exhibition Dates Exhibition Date: Sunday, February 14, 2016Exhibition End Date : Tuesday, February 21, 2017


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This property has been removed by the agent. It may be let or temporarily removed from the market
2 bedroom house to rentTringham Close,Knaphill
Withdrawn from Market £1,250 pcm| £288 pw fees apply
Property Description
Letting information:
|Added on Rightmove:
|11 November 2016 (312 days ago)
Key features
- Semi detached
- Two double bedrooms
- Lounge/Dining Room
- Kitchen
- En-suite to master bedroom
- Family bathroom
- Available 14th Jan 2017
Full description
Property Description
Two bedroom semi detached property located in a cul-de-sac in the popular Brookwood Manor development. This home benefits from an en-suite to master bedroom and private rear garden.
Energy Performance Certificate (EPC) graphs
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