INSTITUTE of HIGHER EARNING: About the Institute


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The Institute of Higher Earning is an Internet-based distance learning center. We teach our members how to 'create their own economy' to insulate themselves from the perils of our inflationary economic system. We conduct financial market research and investment training that shows our members how to profit in both rising and falling markets. We also conduct on-line training sessions and provide trading signals for the Forex currency market, the U.S. stock market, commodities, the oil sector and precious metals.

Answering the who, when, where, how and why of what we do:

What We Do
The Institute of Higher Earning is a family-owned and operated, Internet-based distance learning center. We teach our members how to 'create their own economy' in order to insulate themselves from the perils and depredations of a paper-based currency system. Our market research and investment training courses teach our members how to profit magnificently in both rising and collapsing markets. Specifically, we teach students how to successfully trade in the Forex currency market and still have a life, and we generate highly prescient and reliable trading signals for Forex, stocks, commodities, the oil sector and precious metals. We also conduct on-line training sessions and weekly webinars complete with tips and insights on how to pull profits from the markets.

Who We Are
We are the Phillips family. We work from home, we run the Institute from home, we trade our own accounts from home, we teach our children at home and most importantly, we teach our members how to earn a living from the comfort of their home. Gordon performs the research, generates the signals, conducts the webinars, trades the family's accounts, oversees household chores, and referees sibling disputes with kindness, inspiring motivational lectures about responsibility, and when all else fails, a paddle. In addition to being the Director of the Institute (someone has to pay the bills), his wife Marlena lets him think he's running the show. Together, they have produced three nearly perfect children: Jefferson (9) who updates daily closing prices for his Dad; Liberty (7) who keeps the office tidy while letting Dad know when various daily candlesticks change color, and; Victory (2) who lets Dad know when it's time to get down on the floor and play horsie.

When was the Institute Formed?
In 2003 we began teaching Forex currency trading. Since then, we've taught hundreds of students to trade successfully. In 2007 we added more membership tiers, including our exclusive Executive Membership which begins by flying our guests into New England, putting them up in a first-rate hotel and 'locking' them in a conference room for an entire weekend. We then remove the top of their head and pour in everything we know. In late 2008 we also began an initiative to launch a hedge fund. The 'Liberty Private Placement Fund, L.P.' will allow us to continue our practice as is, just with a lot more zeroes.

Where are you Located?
We are located in a rural area of verdant southern New Hampshire, which for those of you raised on the extreme left coast, is located in the upper right hand corner of the former American republic. The Granite State is a cranky outpost of libertarians, free thinkers and preparedness types whose license plates still read 'Live Free Or Die.' Now home of the infamous 'Free State Project,' (Google it) New Hampshire was the last of the minimum nine colonies required to ratify the Constitution. Just to play it safe in case our gubmint gets too uppity, the state constitution even retains the 'right of rebellion.' We love tourists, just so long as they don't stay too long. As for illegal immigrants, there aren't any. Too cold.

How are We Performing?
As in, how are we doing? Well, to be honest with you, we're making a bundle. We made a bundle trading the global markets right up to the November 1, 2007 top when our indicators flashed red. We even had little Victory ring a bell, just so someone could say, 'They really do ring a bell at the top.' And we've been making another nice bundle trading the market down. We don't mean to boast, it's just what we do. Our trading is based 100% on technical analysis which removes any need for emotion, second-guessing or watching 'money honies' on TV with names like Poppy Harlow (honest, she's an anchor on CNN; we couldn't make this up if you paid us.)

What is the Institute's Mission?
Our ultimate goal is to found an international home school-online adult education center (or university) to reverse-engineer our national multi-generational economic decline. Our hedge fund is intended to be a means to that end by allowing us to finance the university ourselves, rather than rely on 'angels' with deep pockets who would prefer to sit on our board and run the show. What kind of university will it be? Think of it as 'Sun Szu meets Ayn Rand' - or maybe 'Lysander Spooner on steroids.'

And now, on with our formal, buttoned-down introductory essay, which begins by asking you ...

Are You Better-off Than You Were 10 Years Ago?
The Institute Of Higher Earning may be one the most unique financial education and services groups anywhere. In fact, we do so many different things that visitors to our website often don't know where to begin. So let's begin right here, with a little financial 'tough love.'

Does the current economy scare you? Are you in debt up to your eyeballs? Does your daily survival plan consist of holding a series of underpaying and under-appreciated jobs in a declining economy? Is retirement looking like something you'll only get to do the day you die? Do you wish you could ditch the 9-to-5 world and make a living from home, over the Internet? Then you need to 'create your own economy', to create a financial moat around your life that profits from whatever the economy dishes out.

Think of it this way. Markets go up, and markets go down. When the market goes up, everyone's a genius and everyone's making money. When the market heads down, everyone's anxious, depressed or panicky. But why? A declining market is not an emotional experience. It's a market that's trending down. Maybe it's enjoying itself! After all, you like skiing and sledding down hill, don't you? See, it's all in your perspective.

Is your retirement nest egg vaporizing as the stock market crashes? Why? This isn't rocket science. There's simply no excuse for it. When the market starts to head down, you invest with low risk in inverse exchange traded funds (ETFs) and mutual funds that profit from a falling market.

Do You Rely on a Financial Advisor?
Did you know that most investors who rely on a financial planner have already lost a lot of money in the current recession? Financial planners tell their clients, 'This is a pretty tough market to make money in, but the market will always recover. Besides, we're only down 20% and most investors are down 30%, so we're doing pretty well!'

Hogwash! When a market is trending down, you trade it DOWN of profit. Our 'ETF Wave Trader' service generated a fortune for our subscribers when the U.S. stock market began to collapse on June 11, 2008. Advisors who have watched their client's portfolios collapse along with the market should be tarred and feathered. Maybe you should be your own financial planner?

The problem is, investing intimidates you, right? But why should it? It's easy. If you can balance a checkbook or set an alarm clock, you can learn how to invest profitably. A bright teenager can do it! It's basic pattern recognition combined with 6th grade math (4th if you were home-schooled.) Picture a wavy line. It's a graph of the stock market. The graph curves up and the graph curves down. Up, down, up, down, over and over again. As I said, it's not an emotional experience. It's actually quite beautiful! Like watching a dolphin swim. First it breaches, then it dives - do you get the picture?

When the stock market curves up, you buy stocks. When it flattens out you sell your stocks and take profits. At that point you can do two things. Wait - maybe for years, for the market to trend up again, in which case your retirement planning stands still in the meantime. Or invest in stocks and mutual funds that profit from a falling market so you can make money on the way down.

When the market stops falling and bottoms out, you get out and take profits again. This is called 'riding the wave' - the dolphin would understand. But for most investors these days, it's called 'riding the Titanic!'

Q: What would you think of a licensed, professional pilot who attempted to keep gaining altitude in a plane whose engine's are flaming out?
A: Of course, you'd think he was out of his mind!

Q: What would you think of a financial advisor who had you hold onto your long positions in a market that's flaming out?
A: Just fill in the blanks.

We talk to people all the time who don't even know how their 401(k) is doing. Can you imagine that? Don't they care about their financial future? Or do they just go to work just for the fun of it? Why do they spend more time micro-managing every minute of their next vacation, but can't answer a straight question like 'By what percent has your retirement portfolio risen or dropped over the last year?' Or, 'exactly which mutual funds does your financial advisor have you in, anyway?' They don't know! Their financial future is under water and they don't have a clue.

Changing the subject slightly, are you in debt yet have enough income to cover your bills? So why aren't you using an aggressive debt roll-down program to vaporize your unpaid bills, saving a bundle in finance charges and then creating a retirement fortune out of the same money you're feeding to bankers? Again, this isn't rocket science. It's basic mathematics. It's called the exponential function. It's called the 'Bankers Secret' and it's being used against you, quite aggressively, by the loan and credit card companies. Wouldn't it be fun to use this technique against them for a change? To make yourself rich instead?

What about commuting to a job you hate? Did you ever stop to consider that, by very definition of the term employee, you keep selling your time for the very least someone else is willing to pay you? How does that make you feel? About the same as being in all that debt? Or watching your 'financially planned' retirement dropping like a rock? No fun, is it?

So when are you going to hide that TV remote (or better still, shoot the TV and bury it), buckle down, start educating yourself and taking personal responsibility for your financial future? Don't depend on Congress to bail you out. The U.S. government is so deep in debt that Uncle Sam needs hip waders just to man the printing press. Social Security? Medicare? David Walker, the recent Comptroller General - the government's former top accountant quit his job because no one in the government was listening to him. He says there's an 'economic tsunami' (those are his words, not mine) building on the horizon that could make the Great Depression of the 1930's look like a mere pothole.

The way we see it, you've basically got two choices. Continue to be an underpaid, wage-earning gerbil, who gets creamed by inflation, a deflating economy and ends up living with two or three other families in a run down rental, using what's left of Social Security to cover whatever part of 'health care' that isn't covered by Medicare. Or you can become strong, astute, informed, secure and independent, relying on yourself to steer your financial ship past the reefs and into a sunny harbor where you can drop your golden anchor and spend your time in a hammock, watching the economy collapse on TV!

We Deconstruct Conventional Financial Plans
As you may have gathered by now, we are not financial planners. We are 'financial un-planners.' We cannot get licensed to give you unconventional, contrarian personal financial advice. Leave it to your financial advisor to dispense mainstream guidance. Need a new advisor? Check the Yellow Pages for the second largest ad - they try harder.

What we CAN do is to teach you the secrets about rapid debt roll-down, about highly profitable, low-risk investing, trading strategies that you probably never knew existed, and generally provide you with a '10,000 foot view' of money.

They're not really secrets, but they might as well be judging by how few people use them.

We can teach you how to turn your entire financial apple cart around. We've got the education, the programs, the services and the coaching. We can't think for you, but we can help you start thinking for yourself. We can educate you, motivate you, even nag you when necessary. We can teach you how to trade and invest right over the Internet in the stock and Forex currency markets. We can teach you why, when and how to invest in currencies, stocks, oil, gold, silver and commodities, as well as when to trade those markets down. We can even show you the very day you'll be debt free, using the same income you already have. This is such a neat mathematical trick, not to mention a total no-brainer, that if you don't know how to do it, you could easily end up broke.

Assuming certain factors such as potential rates of return and how many years you've got left to before retirement, we can also show you how large a pile of money you could reasonably expect to have the day you decide to abandon the commute for a rocking chair or a deep water kayak. The information we offer isn't free, but it is reasonably priced. As you may have surmised, we're definitely not 'in the box.' We can't even find the box anymore. The bottom line is, we're not for everyone but we may be right for you.

Check us out. Poke around and start asking some questions. Join us on our weekly 'Wealth Wednesday' webinars and see if you like what you hear. But whatever you do, DO SOMETHING and do it soon. Otherwise, a decade from now it may be too late to learn.

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