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THE NEXT LEVEL: ADVANCED MEMBERSHIP Preferred and Executive Members receive our highest level of coaching, mentorship and support, including FREE lifetime access to our trading signals and forecasts. Learn more about advanced membership:   - Preferred Membership   - Executive Membership
Why Do So Few People Ever Become Wealth? Here, as they say, is the $64,000 question: how does one go about making money in both bull (rising) and bear (falling) markets, regardless of who occupies the White House, who chairs the Fed and whether the dollar is going up or down?  - Does a feat like this require superior intelligence?  - Perfect timing?  - Nerves of steel?  - Perhaps a fairy godmother? Many people struggle throughout their entire lives without ever getting a grasp on the functions of money and markets. Their financial fortunes drift up and down with the mood of the economy, and they count themselves lucky if they get to the 65-year-old finish line still solvent, let alone prepared for a prosperous retirement. The truth is that growing money does not, as most people assume, have to be a precarious proposition. The potential exists to extract profits from stocks, ETFs, Forex and mutual funds on a regular (dare we say, routine) basis, regardless of whether the markets are soaring, crashing or dull. But how do you do this? Here the answer - it's a big secret, so don't tell anyone: you make money in both rising and falling markets by trading and investing in the direction the market is actually moving. Now, that may sound like a facetious comment, but it's really quite revolutionary. At least, it would appear to be so since most investors (and their advisors) do quite the opposite much of the time. They buy (only) and hope (pray) that whatever they bought will rise in price. Of course, prices only rise some of the time. The rest of the time, they fall. The year 2008 is a textbook example of the latter. Yet we made a bundle during the Great Crash of 2008. It wasn't particularly difficult. We simply traded and invested in the direction the market was actually moving: DOWN. Unfortunately a falling market evokes strongly negative feelings in most people; feelings such as anxiety, loss, failure and fear. To us a falling market is just a market that is, well, falling. Since it's moving down, that's the direction in which we trade it. This is not a complex concept. We've explained it to our 9-year old son, Jefferson, and he understands it perfectly. We simply drew a trend line on our charts and asked the boy, 'which way is that line moving, up or down?' He correctly answered down, thereby qualifying him as a juvenile financial unplanner! Yes, we use the term 'financial unplanner' to distinguish what we do here at the Institute from the regulated community of licensed advisors. We can't provide financial advice since we aren't licensed to do so by law. But, like Jefferson, we can certainly tell which way a line is pointing. Now that we have the hard part out of the way, we need to ask 'what is a reasonable monthly return on our money?' Some people think that barely outpacing the Dow is sufficient. We consider that a ticket to the poor house. Here at the Institute, we consider 3% a month a reasonable target. Thirty-six percent a year will double your money every two years or so. That's not really all that spectacular when you stop to look at how many mutual funds achieve this level of performance (or better) each year. Just visit Morningstar.com and use their search function to sort by the highest performing mutual funds for the previous year. You'll find quite a few that did spectacularly well. We don't consider 3% a month spectacular, but it gets the job done. And you don't have to lose sleep trying to do it. Now let's take this a step further. There are at least 20 trading/investing days in each month. Divide 3% a month by 20 and you get 3/20ths of 1% per day. Hold two $100 bills in your left hand and just three pennies in your right. Those 3 pennies represent .03% (3/10ths of 1%) of the $200. To get 3% a month on average, you'd need to grow your money by the equivalent of 3 cents out of $200 each day. Mind you, we didn't say $3 out of $200, or even 30 cents. Just 3 cents a day does the trick. Now, does that sound reasonable to you, or far fetched? Intriguingly doable, or like gilding the lily? Again, we think it's quite reasonable. So how do you go about doing it? Well, first you begin with 6th grade mathematics. If you can add, subtract, multiply and divide at the 6th grade level you're all set to tackle the markets, because that's all the math you're going to need. But what about previous experience in trading and investing? Is this necessary in order to invest profitably? Apparently not, since it seems to do so many main street investors little good at all. Actually, and ironically, in some ways the less experience you have, the better. That's because so many people carry so much emotional baggage with regard to their past experiences with making money, or trying to, anyway. In fact, many of our new Executive Members arrive with so many bad investing habits that we have to 'deprogram' them before we can make any progress. All kidding aside, we sit our new members down with a reading list of books about trading, investing, money and psychology -- about 100 hours of reading altogether. At an hour a day, they'll compete that list in a little over three months. Then we give them the second pile! Perhaps you're getting the sense by now that there's something a little different about the 'Institute of Higher Earning.' Want to find out for yourself? When you become a Preferred or Executive Member you become a virtual member of our family. As a Preferred or Executive Member, you get to see the world of trading and investing, including all of the mechanisms we use here at the Institute to grow money, through our eyes. We will teach you everything we know, no holds barred. We will NOT trade and invest for you. That's not what this relationship is about. It's about us teaching you how to pack your own parachute, and you jumping. It's about us teaching you how to sail through turbulent markets, and you grabbing the tiller and steering your own boat into peaceful and luxurious harbors.
PREFERRED MEMBERSHIP - $10,000 USD Preferred Membership is for those who wish to work more closely with the Institute. As a Preferred Member you will receive all of our signals and forecasts for FREE for life. For example, you'll get FREE lifetime access to 'Profit Buffet', our daily trading signals program which has gained 44.8% since it's inception in January of 2006. The same period marked by the severe decline of the U.S. stock market.	preferred