Five year performance review of Karl’s Permanent Portfolio

So, it was August 21, 2015 when I made public my permanent portfolio so we will do a full five-year review along with why I chose each investment. The portfolio page can be found here along with all its lengthy financial disclosures, more details, etc. The portfolio was put out publicly for educational purposes.

Photo by Pixabay on Pexels.com

The foundation for the portfolio was Harry Browne’s Permanent Portfolio; however, I made some adjustments based on my experience. I designed the portfolio to protect against inflation with an eye on capital appreciation and very low annual income tax exposure. The portfolio is static, so there is no trading involved unless you do what I recommend and dollar cost average into the portfolio with consistent contributions. This is a buy and hold portfolio with some esoteric investments. The figures below do not include dividends, which are minimal anyway, but would boost the total return slightly higher.

So, let’s get right into it.

From August 21, 2015-2021:

DOW was up 69.69% (16,459 to 27.959)

S&P was up 72.4% (1,970 to 3,397)

Karl’s Permanent Portfolio was up 252.3% ($1,000,000 to $3,522,744)

Now for the individual stocks and investment assets:

PayPal Holdings (PYPL) is a solid company, and I am surprised someone like BRK hasn’t swallowed them up. It was originally around 10% of the portfolio and is now just shy of 17% of the portfolio after growing 462% over the last five years. I like this company because of its solid track record, no dividend, and felt it had great growth potential.

Berkshire Hathaway (BRK.b) does not produce a dividend but does produce capital appreciation. While everyone has been naysaying Buffett about how he’d lost his touch and was too old to run such a large company, he has recently showed them. Since the 1960s BRK has been an excellent investment vehicle that does not offer a dividend but reinvests its profits. I went with the “B” shares rather than the “A” shares as I felt the “B” shares are priced for the everyday person whereas the “A” shares are now priced at over $300,000 per share. BRK started in the portfolio at almost 14% of the portfolio and is now 5.8% of the portfolio after rising 51.4% over the last five years. This is mostly because of some heavy negative hits; however, it seems to be getting its mojo back.

Dow Jones New Zealand Index (NZDOWD) is a way to diversify away from the U.S. Dollar. As noted in previous posts, it would be better to physically have New Zealand Dollars; however, for the portfolio, I went with the next best thing. I never expected this to be a growth play, but a protection against a falling U.S. dollar. With recent trillions being added to the U.S. balance sheet, owning foreign currency has proven to be a smart move. NZDOWD started off as around 3% of the portfolio and is now 1.6% growing 83% over the last five years.

Singapore Dollar is another small protection against a fall of the U.S. Dollar. The portfolio started with 2.84% of its value invested in FXSG; however, it is no longer publicly traded, so we converted to the actual Singapore Dollar. It has only gained 2.8% over the last five years.

Guggenheim Currency Shares Swiss (FXF) is based on the Swiss Franc. Again, better to hold the physical Swiss Franc and I chose FXF to be an easy vehicle for most to invest as a protection against a falling U.S. Dollar. FXF used to be called Guggenheim; however, is now Invesco. Held over the last five years, the investment has been flat after recovering recently from losses. It had a loss of .01% over the last five years, though over the last three months it has risen over 6% because of worries of the U.S. adding trillions to its debt.

The NYSE Bitcoin Index (NYXBT) is perhaps the most controversial investment in the portfolio. Again, better to own the actual digital Bitcoin, and it has taken over the portfolio. Like the foreign currencies, it started out as only 3% of the portfolio, and it is now 43% of the portfolio with extraordinary gains of 4,912% over the last five years. Although I felt Bitcoin would appreciate in value, I never expected this level of rise. As people demand a decentralized currency, Bitcoin and a few of its popular alternatives will continue to rise in value as it has a set number that will be issued unlike the U.S. Dollar which our government continues to abuse.

iShares IBoxx $ Invest Grade Corp Bond Fund (LQD) is an investment I almost kept out of the portfolio as I am not a lover of bonds, either government or corporate. I feel you can get better growth through equities and other vehicles. But in the interest of diversity, I put 1.74% of the original portfolio in LQD and it has risen 17.6% over the last five years (not inclusive of dividends).

Vanguard Mid-Cap Index Fund Admiral Shares (VIMAX) is a convenient way to own mid-cap stocks, and I put a little over 10% of the portfolio in it. It has given back over 44% over the last five years. Vanguard is one of the lower fee mutual fund companies with a long, solid history. So in adding mutual funds to the portfolio, I chose Vanguard for the three positions.

Vanguard Small-Cap Index Fund Admiral Shares (VSMAX) is a convenient way to invest in small capitalization stocks. Initially putting 8.25% of the portfolio in VSMAX has produced over a 36% return.

Vanguard Global ex-U.S. Real Estate Index Fund Admiral Shares (VGRLX) is another diversity play which invests in foreign real estate stocks. Originally just under 10% of the portfolio, it has done horribly as it is down 5.4% in its return over the last five years. You’d have done better throwing the money away at a local bank certificate of deposit. This, and the Swiss Franc are the only positions that lost money, and the Franc was only down .01%.

iShares Gold Trust ETF (IAU) is another investment, though I would recommend people own the physical gold. For the portfolio, I used IAU as a logical alternative. Originally 7.4% of the original portfolio, it has returned just under 66% for the last five years. This investment didn’t do much until this year when the U.S. starting “printing” trillions of Dollars and is now up 26.49% year-to-date.

iShares Silver Trust ETF (SLV) is the same situation as with the above IAU. Starting at 7.47% of the portfolio it has risen more than IAU and over the last five years has returned 71%.

NVR, Inc. (NVR) is one of two real estate investments in the portfolio. NVR has a unique real estate business model that I appreciate and it does not through off a dividend which I also appreciate. It is also a solid company. Starting as 15% of the original portfolio, it is now representing about 12% of the portfolio and has returned over the last five years over 174%.

So that is it. The portfolio over the last five years. Some of these investments have been consistent during that time, others would require some Pepto-Bismol if you watched it every day. And that is the purpose of this portfolio, to buy it and forget it. Buy and hold. Brokers don’t like it because there is no trading profits for them.

I will keep the portfolio page up and perhaps do yearly updates. A true long-term investor would look at 10 year returns, though 5 years is a good gauge as to a portfolio’s strength — especially in the turbulent times we have endured over the last five years.

Put your BUY orders in for Berkshire Hathaway

The material provided on this website should be used for informational purposes only and in no way should be relied upon for financial advice. Please be sure to consult your own financial advisor when making decisions regarding your financial management. I am not in any way a licensed anything and some people think I am a bit of a dolt.

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While there are numerous news headlines telling you that Warren Buffett has lost his touch and you should abandon Berkshire Hathaway (BRK), I feel investors should do the opposite.

This is the time to be buying BRK while it has been beaten down to the tune of around 17% over the last year and over 25% these past few months. It is a conglomerate worth owning that does not pay a dividend and has a proven positive track record lasting decades. Whether one has $1,000, $100,000 or $10,000,000 to invest, it should be directed to BRK over the next five months so long as one does not need a dividend and is seeking capital appreciation over the long term (ten or more years).

BRK comes in two versions; the “A” shares and the baby “B” shares and they mostly trade in concert with one another. Most Americans will buy the $170 +/- BRK.b shares which trade an average of eight million shares daily. But if you are able, purchase the BRK.a shares which are at around $250,000/share, and trade a little over 400 shares daily. This is a long-term stock, one to own for your retirement and potentially hand down to your beneficiaries when you pass.

It is my opinion, one should dollar-cost-average this stock over the next five months. So, as an example, if you plan to put $10,000 into BRK.b, buy either $2,000 worth each month or even better: buy around $500 each and every week for the next five months. Your future self will thank you.

BTW, here is a link to my most recent permanent portfolio update.

My COVID beard has gone a bit too far; time to get out the razor!

Karl’s Permanent Portfolio – 2 year update

So it has now been exactly two years since I made my version of the Permanent Portfolio public and it has outpaced the DOW and the S&P. The net return has been 79.4% while the DOW has had a return of 31.9% and the S&P 23.2% during the same time period. And, for the naysayers regarding my small investment in Bitcoin for the portfolio then one would have to say the same about NVR and PYPL, etc. But if one was to remove Bitcoin from the mix completely, the investment would have been within a point of the DOW’s return without any of the risks in holding just 30 equity stocks or a single ETF for the DOW. This portfolio is eclectic, to say the least, but is designed to weather some heavy financial storms as well. It also has a minimum 10-year horizon, so at two years, it is still in its infancy.

See the full page here: https://karldickey.wordpress.com/karl-dickey-investment-portfolio/

 

Here is why you should participate in the 100 Day Challenge

IS IT POSSIBLE TO BEGIN THE 100 DAY CHALLENGE TODAY with nothing more than a big goal, a bold ambitious idea and crush it in 100 days…by May 12th?

I’ve been studying that question for more than 20 years.

And the answer is unequivocal: YES, IT IS!

I often say that there are basically two ways to achieve a goal:

1. Slowly through small, incremental steps.

2. Quickly by following the rapid execution strategies in the 100 Day Challenge.

THINK ABOUT IT….

If the goal is to become debt free…why perpetuate the pain and do it slowly?

If the goal is to get in great shape…why on earth should it be a long draw out process?

If the goal is to become the sales leader in your company…why should it take until next year when you can wear the crown next month?

If the goal is to get rich…then you might as well get rich fast, and while your young for that matter.

The fact is…any goal, plan, intention or idea expands so as to fill and reinforce the unnecessary amount of time you’ve made available for its completion.

EXPERIENCE TELLS ME…that if you have a burning desire fueled by an indomitable will…if you’re willing to go all in for 100 days…and if you follow the proven principles of rapid execution as laid out in the 100 Day Challenge, that you can rip the knob off of 2017—and completely transform your life or business.

Michael Wilcox of Boulder Colorado did just that and accomplished the goal of paying off his $192,000 mortgage balance in get this…100 days.

This message exists to show you how, and we’ll begin by focusing on the…

THE BATTLE FOR YOUR MIND

I have come to the understanding that you cannot change your behavior nor improve your results until and unless you change your beliefs…and that the most important element in your strategy to win the battle for your mind and productivity is your own psychology.

Consider the ramifications of this next question slowly and seriously….

“What’s the point of having a belief system if your thoughts and beliefs do not embed feelings of high self-esteem and supreme self-confidence…if they do not embolden you to dare mighty things…if they do not empower you to make your mark on the world.

You’re not here to merely exist, to conform to weak will of the majority, to settle for mediocrity…to live small nor to break even.

You were fearfully, wonderfully and uniquely made to make a difference. You’re here to break rules, break records and to create breakthrough performances.

To do so, you must breakthrough any self-imposed limitation and resistance force that is holding you back from unleashing your greatness.

You do that by building…

A FORTRESS OF BELIEFS

When you think of a fortress….a heavily protected, impenetrable building probably comes to mind. It’s purpose is to keep you safe and secure inside the walls of the fortress, while keeping the bad guys and any harm outside.

A fortress of beliefs serves a similar purpose. It’s designed to protect you…by protecting your self-esteem…your focus, time, wealth, health, mental well-being, productivity and your reputation.

A strong mental fortress ensures that you are not susceptible to outside negative influence or mental disturbance in any way.

And, when it comes to success, the attraction of wealth, maximizing productivity and FAST TRACKING YOUR GOALS…nothing else really matters.

Why? Because…if you can’t protect your thinking, if you can’t keep negative or limiting thoughts at bay, if you don’t build a fortified wall to protect your productivity…your results and peace of mind will ALWAYS be compromised.

You cannot afford to be delusional nor naïve about this truth: hostile forces constantly attack – with an array of weaponry including negative self-talk, pity, fear, false assumptions, accepted societal norms, other people’s opinions, all forms of media, along with the constant disruptions of email, phone calls, text and social messaging, and more.

These REAL weapons of mass destruction… stop productivity dead in its tracks.

Precisely because people have not learned how to diligently built a fortress of beliefs to protect them against their deadly influence…they find their hopes, dreams, ideas, careers, finances and even their marriages in serious disrepair and ruin.

When it comes to this attack against your mind and productivity, however, you don’t have to accept defeat…but you do have to accept the idea that building a fortress of beliefs is a LARGE PART of the solution.

So how do you do it…what’s the brick and mortar needed to build a strong, powerful, healthy fortress that protects you from the people, places and things that are aggressively determined to win the battle for your mind?

The four criteria for building, measuring and nurturing your fortress of beliefs are the following.

1. Your beliefs must…create positive, consistent and sustainable results.

To determine the strength and utilitarian value of your beliefs, simply look at your results as they serve as judge, jury, and executioner of your performance.

The purpose of your beliefs is to drive results…not to deflate them…to confront fear….not surrender to it.

Behavior is the physical manifestation of your beliefs and behavior never lies…which means your results tell you and the world everything you need to know about the quality and value of your beliefs.

2. Your beliefs must…bring you peace of mind.

Low self-esteem, anxiety, insomnia, chaos, depression, guilt, and shame are the result of a corrupted belief system.

If these beliefs dominate your thinking, then you have in effect built a mental prison and condemned yourself to living a small, fear-filled life…not a fortified belief system that allows your spirit to soar.

There is zero upside to self-limiting, negative beliefs…ONLY clean, pure and positive beliefs help you to fast track your goals and live the bold, ambitious and beautiful life you’ve always imagined.

3. Your beliefs must…make you feel safe and secure.

A mental fortress just like a physical fortress is meant to protect you and make you feel safe.

If your fortress contains elements of fear, doubt and worry…if your belief system says that lying, cheating and dishonoring commitments is acceptable behavior…I assure you that your belief system has been seriously damaged.

4. Your beliefs must…unleash your full potential.

It’s actually pretty simple. Your beliefs either empower you to rise to meet the mental demands and physical rigors of big challenging goals, or they undermine your ability to do so.

Precisely because victory or failure ALWAYS begins in the mind is reason enough as to why you need to build a strong, healthy fortress of beliefs.

To reinforce what I said earlier…the most important element in your strategy to win the battle for your mind and productivity is your own psychology.

Therefore, allow me to share the fortress of beliefs that serve as the foundational core of the 100 Day Challenge…and which will allow you to create a series of performance explosions.

If they don’t inspire you to question and liquidate any counterproductive attitudes, approaches, superstitions, or beliefs that are holding you back from unleashing your greatness…than nothing will.

To receive maximum value from your participation in the 100 Day Challenge and to make 2017 the best year of your life…

You must believe that no matter how successful you or your organization has been in the past…that you have far more to offer the world than what you are currently displaying.

You must believe that you have the ability to multiply your performance, dramatically exceed your best expectations, and achieve goals on a scale that in the past seemed impossible.

You must believe that you have no legal or moral obligation or, for that matter, logical reason to settle for small, marginal…incremental growth.

You must believe that you were fearfully, wonderfully and uniquely made to make a difference…and that destiny is calling in 2017.

You must believe that in order for you to create a performance explosion, that you need to give up a few things to include false assumptions about how fast you change your life, self-limiting beliefs that undermine progress and the comfort zone that holds you back from unleashing your greatness.

The 100 Day Challenge was created to show you how to fend off ALL the enemies of productivity and how to get more accomplished in 100 days than most people do over the course of ten years.

Your mindset for the moment may be flawed by doubt and skepticism. I completely understand.

The idea of making huge performance leaps, jumping from your present level of achievement to one several stages higher in 100 days is an alien idea.

You have not been trained to think that way…and you may very well have definite reservations about the possibility that you can make such exponential improvement at all in such an abbreviated time frame.

However, I assure you that your doubts and skepticism are rooted in mental limitation. Your doubts are NOT the product of accurate thinking but habitual thinking.

My advice at this moment is that if you want to be skeptical of some ideas that truly deserve to be called into question, challenge the thoughts and beliefs that have argued against your taking big, bold and audacious moves.

Doubt is the enemy of hope; it does the majority of damage. Therefore, don’t give it any mental space.

From the moment you begin the 100 Day Challenge…I encourage you to proceed boldly…to act as if it is completely inconceivable that you will experience anything other than a significant leap in your performance.

And, if you still feel like doubting something, doubt your self-imposed limits…because you are here to unleash your greatness, and it would be my honor to show you how.

Get ready…get set…as it’s go time….enrollment is open but ONLY for a very short time.

Everything Counts!

Karl

Think better, dream bigger, act bolder! http://www.goalsguy.com/Affiliate/tgg.php?id=1037054

How much money can I make with Lyft or Uber?

This post is a follow-up to a blog post I made in September titled “My two days as a Lyft driver” detailing my initial experiment driving with Lyft (similar to better-known Uber). That post resulted in my receiving many inquiries focussed on the question of how much money someone can realistically make wth a ridesharing tech company such as Lyft or Uber. So I decided to try and go one week being in “driver mode” for 40 hours in to mimic a “normal” person’s full-time work week.

Unfortunately, because I have many other activities on my plate, I did not make it to 40 hours but did make it to 30 hours. There are two ways to look at earning money as a ridesharing driver, one as a worker bee (earnings by the hour) or from a business perspective (net profit). Let’s explore the financial end before getting into a few memorable ride experiences for the week.

First, let me suggest I could have made far more money if I didn’t have other obligations in my life and if I had focussed on making as much money as possible (see below). I also only drove for Lyft and not Uber for the week. I also focussed the week on Lyfting mostly in the Boca Raton/Delray Beach region during the day. One can make much more money driving at night and in more population dense areas like Miami Beach for example.

Another aspect of the ridesharing experience I would like to mention is how Lyft and Uber are self-regulating. Although most passengers realize they have the ability to rate the driver, most do not realize the driver is rating them as well. With Lyft, if either the passenger or driver gives a rating of 3 stars or below (out of 5), then those two will never see each other again. The purpose is to have a great experience for both the passenger and the driver, so if one is not happy with the other, then there is no purpose in matching them up again. If there is a driver doing something wrong, inappropriate or just giving poor service, that driver will not be on the driver platform very long, thereby not picking up any passengers. The same regarding the passengers. If a passenger is consistently unruly or bad-mannered, then they are going to get a poor rating and will find it hard to get a ride. Based on convos with some of my passengers, this has happened to a few of them on Uber, which is why they are now trying out Lyft. They could no longer get a ride on Uber because they’d been too drunk or whatever the reason. I can say, not one ride I gave was a bad experience.

What was my net profit for the week?

I drove a total of 30.8 hours, gave 37 rides and netted $329.31 after car expenses. That comes to $10.69 per hour. Not overly exciting, but pretty good if you’re out of work or looking to pick up some extra money for the holidays. My prior blog post showed me earning $13 per hour for my first two days. That said,  I truly believe that if someone did this full-time and didn’t mind working nights and putting in a minimum of 50 hours per week, you’d make $20-25 per hour after car expenses.

Now when I say, “I drove a total of 30.8 hours,” that simply means I was on the driver platform (on-call) for that time period. I was not driving rides to their destinations and may not have necessarily been driving around.

I did not factor in the tax savings because as a driver your phone, cell, data, text service, much of your car expenses, etc. now become tax deductible. I did not factor that in because that will affect different income level people differently, but it is not something to ignore.

How could I have made more profit and earned more per hour? 

One way would have been to drive more. This sounds counter=intuitive, but Lyft (and I believe Uber on some level) gets a commission for each ride you do. After all, they developed the technology (it’s their platform) and are making it very simple to acquire rides, so they deserve a cut. The standard is commission Lyft takes is 20% of your ride total (minus tips). This is reduced to 10% once you are on the driving platform for at least 30 hours and is eliminated COMPLETELY if you are on the driving platform for 50 hours or more during the week. This is a great incentive as my income for the week could have been given another boost had I stayed on longer as I would with any normal full-time job. Although I do not look at it this way, an hourly employee’s mindset may consider that overtime pay.

As I mentioned earlier, another way to earn more would be to focus more time in Miami Beach, Miami, Fort Lauderdale. It goes without saying that the more rides you make, the more money you’ll make. Spending time in a more suburban area as I did this past week is good, but without that population density, a driver is traveling farther to get to the person requesting the ride and there are fewer people looking for a ride.

Referrals are also another great way to increase your weekly income. Both Uber and Lyft offer this incentive and it is truly a win-win-win scenario for all involved. I will focus on Lyft because that is what I have experience. If you become a Lyft passenger using my link code then I will get a referral fee and you, as the passenger, will get some free rides so you can experience Lyft without any risk. If you become a Lyft driver using this link code then both you and I will receive a financial benefit. The incentives change frequently and it depends on your city, but you could get a $250+ “signing bonus” for becoming a driver. This is on top of your regular income driving.

Another way to make more money is to make sure you are available for prime time, which so far, is almost always in the Miami area. Lyft will pay you anywhere from 25 to over 100% more than your average ride income during certain hours of the day in certain areas. They call them “heat maps” where there is a need for more drivers due to high demand. This can be during rush hour during the day, rainy evenings, or recently most anywhere in South Florida during Halloween evening.

One could also have a more fuel efficient vehicle to net themselves more cash. I was using a BMW X5, but it would seem to me that a Toyota  Prius would be the ideal vehicle for a ridesharing driver. I have owned a Prius before and they are very low maintenance while getting 50+ miles per gallon. Buying your fuel for less money obviously, would net you more profit with each ride. It is important to note that one can be a driver in a Toyota Corolla or a Bentley, it doesn’t matter. Though you will earn a bit more money if you have a larger vehicle. And with Uber, if you have a high-end vehicle, then you can earn even more.

Lastly, before I get into some of the rides, you can earn more money by keeping your car clean and even more importantly not getting lost and knowing your way around. Nothing irritates a passenger more than you showing up at a different location or not showing up at all. Although the Lyft experience is meant to be a bit casual, that is not to be at the expense of getting from point A to point B safely and efficiently.

The Rides

As mentioned earlier in this post, I gave 37 rides this past week. The most memorable was picking up two young girls from a college campus on their way to a popular mall. The girls spent the morning getting stoned in their dorm room (I know, that never happens because weed is illegal, especially on campus) and one was on her way to a job interview with an high-end store. They were laughing hysterically and having a good time, but what was the one girl thinking??? I would have loved to have been a fly on the wall for that job interview.

One thing I have heard from multiple young single women who I have given rides was how safe they feel with Uber and Lyft. Some said their experiences taking traditional taxis was one of dread. The most common complaint cited was the leering of the taxi driver. Single women rightfully feel that Uber and Lyft drivers are not going to harass them and they told me are more professional. This is funny to me because the taxi drivers are supposed to be the professionals in this industry.

I picked up one girl who had spent the weekend with her on again, off again boyfriend. I took her to the airport and we had a great conversation about life in general and how much she loved her first-time here, though had no intentions on moving here.

Another girl was in town for her friend’s 30th birthday party. She commented on how terrible the taxis are in NYC and how much better Uber and Lyft are. She even takes Lyft and Uber instead of her company provided black car service.

One gentleman has been through hell and back and this past week got another dose of hell. Although clean, he has had serious issues with addictions in the past, which is why he uses Lyft regularly. The government took his drivers license away. Within a day of losing his job late last week, his girlfriend left him. He had a positive outlook and I am not sure I would have been in his positive frame of mind. He’s an impressive guy and if you have a job available let me know.

I had a great conversation with a young guy on his way to a church function. He is an impressive person who I think is going to be doing some great things with his life.

There is also some confusion with some people who are new to using the Lyft app. One guy’s first ride with any ridesharing service was with me to PBI and he ordered it up well in advance because he was afraid he wouldn’t make his flight. I got to him in 3 minutes and he was stunned. He thought he’d have to wait 45 minutes like a regular taxi. We had a great time talking about his move back to his hometown.

Conclusion

All in all, I have not had one bad experience carting people around town. It is actually more enjoyable than I would have thought! None of the time did it seem like a job and would highly recommend the service, either as a driver or passenger.

The passengers and drivers come from all different backgrounds. One day you may be picking up someone at an oceanfront mansion and another in a low-income area — all are welcome rides in my car. And you never know where you’ll end up which is part of the fun.

There is so much more I could say about this past week and none of it is negative. Lyft is a great service for our community, one that should be embraced.

Below are some comments passengers made to Lyft about me. I do not see comments until the next day when Lyft sends me a summary of my day’s activities, nor do I know who made the comments.

“Awesome guy! One of the most comfortable rides I have had”

“Karl was great!”

“Hilarious!”

How to Make a Pile of Cash on July 1st

Some of the best opportunities in life are the
ones that we create, and I wanted to share an
exciting program which will allow you to create
a pile of cash on July 1st.

Gary Ryan Blair, is about to launch a truly unique,
highly valuable (and very reasonably priced) program
that’s going to knock your socks off.

I’m so impressed with this program and the chance
for making big money on July 1st, and urge you to
give this a serious look.

Here are the cliff notes of what I have to share:

The FIRST HALF of the year is about to come to an
end and your clients results speak for themselves.

They’ve had SIX FULL MONTHS to showcase their stuff,
and if they are below target or unhappy with the
individual, team or company performance then they
need to step it up in the third quarter.

Gary believes that the importance of how you execute
the third quarter cannot be overstated, and expecting
to get better results from the same old behavior will
only succeed in perpetuating your current situation.

He has created the most extreme goal setting and
performance acceleration program on the planet and
it’s called  the 100 Day Challenge.

The message is so simple, so powerful and extremely
timely. And the best part is that it has proven to be
one of the highest converting programs ever launched.

It’s endorsed and promoted by almost every heavyweight
in the industry to include Brian Tracy, Ken Blanchard,
and John Assaraf to name just a few.

Click here to learn more, and get all the details.

I suggest you sign up to become an affiliate right now
so you can make huge commissions while helping your
clients to start the third quarter fast and focused.

Click here to get all of the details.

All the best,

Karl

(VIDEO) Why aren’t you rich?

Why aren’t you rich….or famous?

Because you haven’t mastered the most important skill of wealth creation.

Learning to master this one skill will put your life and career into the fast lane.

Check it out here, and be sure to devour the Manifesto…its excellent.

You’re going to love this!

To start the second quarter on a high note, you really need to see what’s on the other side of this link.

(VIDEO) Why aren't you rich?

Why aren’t you rich….or famous?

Because you haven’t mastered the most important skill of wealth creation.

Learning to master this one skill will put your life and career into the fast lane.

Check it out here, and be sure to devour the Manifesto…its excellent.

You’re going to love this!

To start the second quarter on a high note, you really need to see what’s on the other side of this link.

(VIDEO) Raise the Stakes in 2015

Gary Ryan Blair – 100 Day Challenge

What do you think would happen if I were to follow you with a camera crew 24 hours a day, 7 days a week for the first 100 days of the New Year?

I bet 3 things would immediately take place…

1. You would START doing the things you know you need to do.
2. You would STOP doing the things you know you shouldn’t be doing.
3. You would build MASSIVE momentum and make monumental performance gains.

THIS IS ALL possible by raising the stakes and enforcing greater levels of accountability.

Accountability serves and protects your character, credibility and commitments. It ensures that what you want to accomplish gets accomplished.

With that reality in mind, I wanted to share with you an exciting opportunity to achieve every goal you set, to enforce ultimate accountability, and show you how to start the New Year fast, focused and fired up.

Gary Ryan Blair, otherwise known as The Goals Guy, has put together a 22-page Manifesto which contains a radical approach to goal setting and performance  enhancement that is in a word…OUTSTANDING!

It’s called Unleash Your Greatness and by acting  fast, you can download a copy along with a free video series that over-delivers in a big way.

In my opinion, the report itself is worth its weight in gold…and the video series ain’t too shabby either.

You’re going to love this!

The videos alone are outstanding, but please be sure to read the Manifesto today – it’s that good and extremely time-sensitive!

Tony Robbins’ new book is out this morning. Get this book!

It has been 20 years since Tony Robbins has released a book and this morning, 11/18/2014, is the debut of his new book “MONEY Master the Game: 7 Simple Steps to Financial Freedom.“

Tony Robbins' new book is out this morning. Get this book!

It has been 20 years since Tony Robbins has released a book and this morning, 11/18/2014, is the debut of his new book “MONEY Master the Game: 7 Simple Steps to Financial Freedom.“

You need Tony Robbins’ new book MONEY Master the Game: 7 Simple Steps to Financial Freedom

You need this new book by Tony Robbins – MONEY Master the Game: 7 Simple Steps to Financial Freedom. Although I am not much of a fan when promoters use words like “secrets to wealth”, this book is excellent! Pre-order NOW!

You need Tony Robbins' new book MONEY Master the Game: 7 Simple Steps to Financial Freedom

You need this new book by Tony Robbins – MONEY Master the Game: 7 Simple Steps to Financial Freedom. Although I am not much of a fan when promoters use words like “secrets to wealth”, this book is excellent! Pre-order NOW!

How to drive free cars for life via Dave Ramsey

Free cars for life? With a little bit of planning and smart investing, you CAN do it. Financial expert Dave Ramsey teaches about this and much more in his high school and college curricula. Visit http://daveramsey.com/school to learn more.