December’s Comprehensive Market Review video has just been posted. Click here or the link at the bottom of the post.

No Credit…No Wealth…No Way

Global debt over the past nine years went from $80 trillion to $220 trillion, a 12% annual increase. During the same time period Global GDP increased 4% annually.

Do you see the problem I see? Too much debt.

So where is the current epicenter? Europe.

Europe is going to implode and they will have their Lehman Brothers moment, it is just a matter of time…and no, Canada’s, Japan’s, US’s, UK’s, Australia’s and China’s central bank cannot stop it. Maybe delay it but not stop it.

So what can you do to protect yourself?

Find out in this month’s Comprehensive Market Review how you can protect your purchasing power and capital so you can build your portfolio and net worth.

And just like in the animal kingdom, those that learn to adapt will survive and those that don’t will die off.

And although it is trite, you either adapt or die.

Get instant access to the Comprehensive Market Review (no sign-ups or opt-in forms) you can go here (video).

Together, we are growing and protecting your wealth,

P.S.  Are you overwhelmed from the “pick of the month club”?

You know what I’m talking about. You learn about one to five new stocks a month. You add those to your current list of great stock stories and now you have 80 or more investments to choose from.

But you don’t know which ones to buy so you do nothing.

And as a result your portfolio gets a little bit smaller each year…maybe smaller in size or smaller in purchasing power. End the madness, start adapting and join the new rich.

Twice As Nice

How leveraged funds can make a boring investment sizzle.

Look at the chart below. You could buy the blue line (TLT = long-term US Government bonds) or you could buy the red line (UBT = 2x long-term US Government bonds).

Some things that are not twice as nice.

Flat tires.
Sprained ankles.
Dips in the stock market.

There has been a lot of news these past two weeks that is having financial repercussions felt in almost every asset class around the world.

- The 30 year US government bond dropped below 3% due to Europe imploding (uncertainty).
- MF Global steals $600,000,000 from their clients and no one goes to jail (uncertainty).
- Europe continues to pretend that 17 sovereign countries that have been fighting each other for 400 years can now agree on one currency (uncertainty).

None of that sound very nice, does it?

So what would you have liked to have anticipated for your portfolio these past two weeks…or two months? Here are two investments that are higher today than they were two months ago AND you could have put on a 2x position:

      The US Dollar is still the prettiest horse in the glue factory. It’s 2x investment is EUO.

      The US long bond is still holding near three year highs. It’s 2x investment is UBT

These are both investments that I have advised my clients to buy in the last year.

When a sector or asset class is nearing (or at) extremes it is sometimes nice to place a 2x position with a tight stop loss. I think we may be coming up to one of those situations soon by shorting TLT.

I think TLT (US Government 20 year bonds) could still go a little higher but the upside is limited with the downside potentially being noticeably large. You could position yourself with TBT (2x inverse of TLT) or you could go even bigger with leverage and buy TMV (3x inverse TLT).

That is what I call Twice As Nice.

Here are some of my favorite 2x funds that I have recommended over the years:

2x the stock market = SSO
2x the long-bond market = UBT
2x the gold market = DGP
2x the US Dollar = EUO
2x the precious metal mining market = NUGT

Take advantage of these 2x funds to grow your money when the market is at extremes. But do it wisely… because no one wants a portfolio with two flat tires.

Together, we are protecting and growing your wealth,

November’s Investors Elite Meeting is tomorrow night!!!

The title of this month's Investors Elite gathering is
"THE BINARY MARKET".

Up…no, down.
On…no, off.
Black…. no, white.
In…no, out.
Europe’s crashing…no, Europe’s saved.
Buy stocks…no, sell stocks.
We’re saved…no, we’re doomed.

Do you get it? We are in a “on or off” type investment period.
And we are going to stay in this binary world until the market finally figures out how and when Europe corrects itself, also known as, crashes.

It IS going to happen, the question is what should your portfolio do to adapt to our new “binary investment market”?

Find out tomorrow night. 

In-person location =
Sofitel Hotel – 223 Twin Dolphin Dr., Redwood City, Ca 94065
Doors open at 6:30pm and the talk starts at 7:00pm PST.

At-home =
Log on using your secret Investors Elite URL.

Want to join? It is not too late. In-person is free for first-timers.
Just come over and show up.

Together, we are growing and protecting your wealth,

Culturally Bankrupt.

That is the title of November’s Comprehensive Market Review which has just been posted here.

What I mean is that it is accepted in our culture to take on debt and live beyond our means. Of course, it is not just the US. The announcement out of Europe yesterday proves it. The EU is creating more debt to solve their debt problem. Hmm…that sounds like the Americans.

The US and the EU have an addiction and it is to debt.

Find out in this month’s Comprehensive Market Review how you can protect your purchasing power and capital so you can take back control of your portfolio and net worth. The longer you wait, the worse it gets.

To get instant access to the Comprehensive Market Review (no sign-ups or opt-in forms) you can go here.

Together, we are growing and protecting your wealth,

P.S.  Private Elite Clients work with me one-on-one to shift their behaviors and beliefs around money so they grow richer year after year. It is $25,000 well invested.

Not only are my Private Elite Clients never caught short in the markets, but also they are growing and protecting their portfolios AND net worth.

My upcoming Millionaires Academy Mentoring Program will offer the same results for your own behaviors and beliefs, but in a group setting. Is now the time to get rich?

There is never one cockroach.

It’s not the first cockroach that homeowners worry about, it’s the hundreds or thousands they cannot see that they worry about.

In this country, we started seeing our first “financial” cockroaches in the likes Washington Mutual in 2008.

Two weeks ago, the lights were turned on in Europe and we saw Dexia, our first European Banking cockroach, scurrying away. Dexia was a French/Belgian bank that was formed only 15 years ago and was Fortune’s Global 500 number 49 in the world based on income in 2010.

So what happened?

Ultimately, Dexia was a bank that couldn’t even survive a 21% decrease in Greek sovereign debt devaluation. Most experts think Greek debt will eventually be devalued 80 to 90%.

Dexia had around $181 billion dollars worth of bad loans that French and Belgian governments will now have to deal with. Belgian authorizes said they would take responsibility for 61% of all the losses or what is the equivalent of 15% of the Belgian GDP. The US equivalent number would be a $2.25 trillion bailout of one bank. Gulp!!

So what does a bank six thousand miles away that no American has ever heard of have to do with your 401(k)’s and brokerage accounts?

A lot.

Europe is in a sovereign debt crisis. EU banks assumed that AAA rated sovereign debt meant something (they thought they were going to get paid back) and now it turns out the books were cooked the whole time. All the Mediterranean countries were fibbing, big time.

There is a 4 out of 5 chance that in the next 120 days we will have another large financial institution, a Lehman Brothers-type, failure in Europe. If that happens, the following is also possible:

-The US Dollar will surge up;
-US Government debt will surge upward (read: interest rates will fall even farther);
-All stocks, okay… 99% of stocks, will sell off;
-Gold/silver will get sold off too, not because institutions want to sell but they will have to sell to meet liquidation of funds by their clients;
-After the “panic”, gold will come back quickly and then silver will to;
-After 60 to 90 days the US Dollar will continue its long downward slide into the abyss.

So what can you do?

1.)    Right now cash is king. Make sure you have cash set aside for what might be the buying opportunity of the year.

2.)    If you own any stocks, look to see how they have weathered the past 90 days. If they are down more than 25% in the past 90 days then they have officially failed the stock market stress test. Get rid of them.

3.)    Go with the sectors that have done well over the past 90 days. These will continue to do well:

-Utilities
-Cigarettes
-Alcohol
-Auto-parts
-Fast-food/processed food
-Major drug manufactures

We know the cockroaches are all over the financial institutions in the US. The cockroaches are just starting to be revealed in the EU. I am afraid that Raid™ will not be enough.

Your best defense is a portfolio that can adapt to what is happening in the market today and not what you hope to have happen. So many people are still using portfolio strategies that were designed to grow money only if the stock market goes up. Imagine if you had a portfolio that didn’t matter what the market did…it just adapted to it. When you start to get curious about a different way to protect and grow your money, check this out.

The Millionaire’s Academy Mentoring Program starts in two weeks. Do you have what it takes?

Together, we are growing and protecting your wealth,

Has your portfolio gone down for the past ten years? I can tell you why. In fact I can specifically tell you why and you won’t even have to pay me a dime. I’ll do it for free and right now.

You will learn why after you click here and watch this presentation.

WARNING: This presentation was recorded live at a recent VIP wealth builder's event in Las Vegas. It is unedited and uncensored.

There are no stock picks and no bashing of the US Government. However, there is compelling evidence of a little-known strategy I refer to as simply… the "Adaptation Strategy".

Click now to watch (video).

Together, we are growing and protecting your wealth,
~LoggedInUser.Signature~

PS – For those of you that have never seen me speak about money or investing, this is your chance to watch.

My monthly comprehensive market review has been posted.  

A dazed and confused stock market ends the month of September and the third quarter of 2011 lower. There is no easy way of saying it, the past three months have been tough and I think the 4^th quarter could actually be worse.

So what are the markets telling us is going to happen in the 4^th quarter of 2011?

Are precious metals going higher or lower?
Are stocks going higher or lower?
Are bonds going higher or lower?
Are commodities going higher or lower?

Find out now, here.

No opt-ins, sign-ups or emails needed. Just click, sit back and watch.

Here's the link.

Together, we are growing and protecting your wealth,

Correction or Crash?

The difference between a correction and a crash is usually your portfolio.

 Was this week a correction or a crash?

It depends.

Do you know the general trend of your portfolio for the last five years?

If your portfolio has been sideways to down over that time period then this week was definitely a crash. But if your portfolio has been trending up for the past five years than today was a correction.

How do you turn a crash into a correction?

Simple. Start with the basics.

1)      If you own any stocks that have fallen more than 25% since May 1^st of this year then it is time to say good bye to them. During the same time period silver has fallen 35% BUT it is up over 1,000% since the year 2000. Hold on to your silver (and gold) and if you do not own any silver or gold this may be a good time to buy your first round.

2)      Place stop losses on all of your other investments, from the May 1^st high of this year, that have not yet fallen 25%.

3)      Look for strength. I noted today that stocks with higher dividends did not fall nearly as far or at all. For example, Bristol-Myers Squib (BMY) which pays a 4.3% dividend is up 1.5% this week as opposed to the S&P500 which fell 6.8% this week.

4)      Have a strategy that has a contingency plan for days like this. One of the strategies that I teach and follow is Market Probability. If you were following the Market Probability strategy then you would have been out of the market on September 1^st. The market has fallen 7.1% since that day.

These are tough times. It helps to be part of a group that is following concrete strategies that are able to grow and protect your money in up or down markets. Having your money follow strategies like this will enable them to call this week a correction and not a crash.

It’s not too late to only have corrections in your future. Start now.

Together, we are growing and protecting your wealth,

PS – Now more than ever being part of a group that is thinking many steps ahead of the crowd is warranted. The simple fact is people who have lost money over the past decade are using tools that stopped working when Bill Clinton was president of the United States. Update your tools and thinking here.

Investment Whiplash

High frequency trading, burning European banks and continued government manipulation… is it any wonder the average conventional investor’s portfolio is getting whipped around like a rag doll?

Join me in my monthly Comprehensive Market Review where I speak plainly and clearly about what changes are happening and why your portfolio’s future is based on how good you are to adapting to these changes.

If you have lost more than 2% of your portfolio in the past 60 days then pull up a chair and tune in.

No opt-in or sign-in needed just click and watch.
Watch | Download

Together, we are growing and protecting your wealth,

PS – On Monday I received an email from Jason Bloom. What Jason does not mention in his email is that he purchased this $5,000 course on May 24th this year. Below is Jason’s email to me:

RC,

I have earned four times the price of the Millionaire Academy on my first investment alone!

I am glad to have made your acquaintance. You provide an amazing service, especially during these tough economic times.

- Jason Bloom (San Francisco, CA)

Let me ask you, “Is $5,000 an appropriate amount of money
to invest if you believe what you buy will work…. Yeah?
You can learn about Millionaires Academy here. 

Blame It on the Boomers

You may have heard that we will not have another recession but instead a “protracted recovery”.

Don’t get giddy yet.

I think we will have another recession…and soon. And in this day and age of finger wagging and scapegoating, I know just whom to blame. Blame it on the Boomers.

There are 80 million Baby Boomers and they have just started to retire. Those who were buying stocks for the past 30 years will now be selling them for the next 20 years. The Boomers will be spending less in retirement and the government will be spending more on their Medicare and Social Security costs.  Do the math.

Eventually all 80 million Baby Boomers will be selling their homes. Who will buy them?

There are only 65 million Gen Xers. They do not have the wealth that the Baby Boomer generation has. We are looking at a glut of housing for the next 20 years. That means housing will not start trending up until 2030. Blame it on the Boomers.

The rub is that Americans have built a lifestyle around a 3 to 4% GDP growth rate for the last seven decades. Most Boomers lived their whole life in this robust GDP growth. It is unlikely we will see GDP growth exceed 1 to 2% over the next decade. As Gen Xers would say, “That sucks!”.

Now down to the technical part. A recession, by definition, is two consecutive quarters of negative GDP growth. It is very likely that we will have two consecutive quarters of negative GDP growth in the next 12 months. It won’t take much for our fragile economy to be pushed into negative numbers. What does this mean for the stock market? The average fall for the stock market during a recession is 40%.

The next decade will bring an erratic stock market and a down housing market. Blame the Boomers.

What can you do?

You need to reset your expectations during this “protracted recovery”.

- If you are expecting your house to return to its previous peak anytime soon, it won’t.

- If you are expecting the stock market to have a meteoric Bull Run in the next five years, it won’t.

- If you are expecting your taxes to go up…they will.

There are ways to come out of this “protracted recovery” with money in your pocket and I will continue to show you how.

So can you really blame the Boomers for this? I can. I blame my parents for everything, don’t you?

Together, we are growing and protecting your money,

PS – Remember, it's your behavior, not the stock market, that determines your wealth.