How to Preserve Your Purchasing Power

gold silver

Accumulate gold and silver is one of them……

Purchasing power represents the amount of goods and services you can buy with a currency. You should aim to preserve your purchasing power to ensure that the currency you are working hard to earn today is still valuable in the future when you want to spend it. The key to preserving your purchasing power is two-fold:

  1. You should hold currency that retains its value over long periods of time.
  2. You should hold currency that is appreciating relative to most, if not all other currencies in both the short and medium-term.

Historically, buying gold and silver has been an excellent way of preserving purchasing power over long periods of time. Today it takes almost the same amount of gold or silver to buy a barrel of crude oil as it did 50 years ago. This is in stark contrast to national currencies (also called fiat currencies), like the US dollar, the values of which strongly erode over time. Central banks and governments have set a long-term trend of currency debasement, and it is unlikely that this trend will be reversed anytime soon.

Gold and silver are the only globally recognised currencies that cannot be created out of thin air, which makes both of them great stores of value (preservers of purchasing power) in the long-term. Unlike fiat currencies that can easily be debased, gold and silver remain the ultimate forms of money.

How do gold and silver preserve and increase your purchasing power?

If you had invested $10,000 on 1 January 2000 in 3-Month US Treasury bills your purchasing power would have decreased slightly by 1 January 2013. If you had invested the same $10,000 in gold, your purchasing power would have quadrupled, and the return for silver is close to gold. See the chart below.

Purchasing power of gold, silver and treasuries Jul 2012

The US dollar and 8 other major currencies versus gold

Gold rose 7.0% in 2012 against the US dollar. Gold also rose in 2012 against each of the eight other major world currencies presented in the following table.

Gold % Annual Change
USD AUD CAD CNY EUR INR JPY CHF GBP
2001 2.5% 11.3% 8.8% 2.5% 8.1% 5.8% 17.4% 5.0% 5.4%
2002 24.7% 13.5% 23.7% 24.8% 5.9% 24.0% 13.0% 3.9% 12.7%
2003 19.6% -10.5% -2.2% 19.5% -0.5% 13.5% 7.9% 7.0% 7.9%
2004 5.2% 1.4% -2.0% 5.2% -2.1% 0.0% 0.9% -3.0% -2.0%
2005 18.2% 25.6% 14.5% 15.2% 35.1% 22.8% 35.7% 36.2% 31.8%
2006 22.8% 14.4% 22.8% 18.8% 10.2% 20.5% 24.0% 13.9% 7.8%
2007 31.4% 18.1% 11.5% 22.9% 18.8% 17.4% 23.4% 22.1% 29.7%
2008 5.8% 33.0% 31.1% -1.0% 11.0% 30.5% -14.0% -0.3% 43.7%
2009 23.9% -3.6% 5.9% 24.0% 20.4% 18.4% 27.1% 20.3% 12.1%
2010 29.8% 15.1% 24.2% 25.5% 40.2% 25.3% 13.9% 17.4% 36.3%
2011 10.2% 8.8% 11.9% 5.1% 12.7% 30.4% 3.9% 10.2% 9.2%
2012 7.0% 5.5% 4.4% 5.9% 5.2% 11.0% 20.5% 4.4% 2.3%
Average 16.8% 11.0% 12.9% 14.0% 13.7% 18.3% 14.5% 11.4% 16.4%

The US dollar and 8 other major currencies versus silver

The silver price also gained in 2012 against all major currencies. Silver’s results are presented in the following table.

Silver % Annual Change
USD AUD CAD CNY EUR INR JPY CHF GBP
2001 -0.1% 8.5% 6.1% -0.1% 5.3% 3.1% 14.4% 2.3% 2.7%
2002 4.8% -4.6% 4.0% 4.9% -11.0% 4.3% -5.0% -12.6% -5.3%
2003 24.0% -7.3% 1.4% 23.9% 3.2% 17.7% 11.9% 11.0% 11.9%
2004 14.3% 10.2% 6.5% 14.3% 6.4% 8.6% 9.6% 5.4% 6.5%
2005 29.6% 37.7% 25.5% 26.3% 48.1% 34.6% 48.8% 49.3% 44.4%
2006 45.3% 35.3% 45.3% 40.5% 30.4% 42.6% 46.7% 34.8% 27.5%
2007 15.4% 3.7% -2.1% 7.9% 4.3% 3.1% 8.3% 7.2% 13.9%
2008 -23.8% -4.3% -5.7% -28.8% -20.1% -6.1% -38.1% -28.2% 3.4%
2009 49.3% 16.1% 27.6% 49.3% 45.0% 42.6% 53.0% 44.9% 35.0%
2010 83.7% 63.0% 75.8% 77.7% 98.5% 77.4% 61.2% 66.2% 93.0%
2011 -9.8% -11.0% -8.4% -14.0% -7.8% 6.7% -15.0% -9.8% -10.7%
2012 8.2% 6.8% 5.7% 7.2% 6.4% 12.3% 22.0% 5.7% 3.5%
Average 20.1% 12.9% 15.1% 17.4% 17.4% 20.6% 18.2% 14.7% 18.8%

Silver has generated average annual rates of appreciation in all nine currencies that are higher than gold. So silver also fits well within a long-term accumulation plan, but only if you are prepared to accept the volatility that comes with it.

If you are interested in buying to protect your wealth let me know (send me a reply) I will send you the link so you know you have everything covered.

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Why do we work?

working people

Now this is a question that may be different for different people but I think in general there is a lot of common ground

WHY WORK?

When you ask people why they work, a lot of them will say they’re ‘only in it for the money’. When you work for money, you can be financially independent, and have some control over your life.

Sometimes money truly is the only reason a person works. But most people have more substantial reasons for working. For example:

  • They like to spend their days doing something they’re good at.
  • They like being productive.
  • Other people need their skills, and they feel obliged to supply them.

What if you didn’t work and you had every day to yourself? You could choose to go to the beach, watch television, go to the movies, go shopping, read books, visit friends, visit places of interest, go out for meals, play sport…

This all sounds wonderful, but you’d need at least some money to do most of these things. Relaxing and doing what you please is great for a holiday, but after a while the pleasure can wear off and you can feel aimless and bored.

Then there is the other side there are lots of people that make lots of money but they do not have the time to do the things they value most ie. spend time with the family, be part of the growing up of your children etc etc

WORK AND YOUR VALUES

The benefits you get from paid and unpaid work are strongly linked to what your values are. When you know what your values are regarding work, you can:

  • work out what you hope to achieve through working—what your overall ambitions are
  • set meaningful goals for yourself
  • choose jobs that will satisfy you in ways that are deeper than your ‘hip pocket’
  • understand why you feel dissatisfied in a job that doesn’t fit with your values.

The two main reasons that people work are:

  • to perform rewarding and meaningful activities
  • for companionship.

‘Rewarding’ and ‘meaningful’ work is work that allows you to:

  • fulfil most of your material needs
  • meet your financial obligations
  • feel as if you fit into and contribute to society
  • feel a sense of well-being and accomplishment
  • meet and interact with people of different backgrounds and cultures.

Conduct your own research about why you work

‘Companionship’ at work means having continued, shared interaction with other people, including sharing the rewards of a job well done, whether they be a sales bonus or a commendation from the managing director.

JOBSATISFACTION

Rewarding and meaningful work + companionship = job satisfaction

People get job satisfaction when their work:

  • pays them enough to fulfil their most important needs
  • pays them fairly for the work they do
  • looks after them, providing a protective environment and ensuring their safety as they work.
  • gives them a social life—they belong to a team and interact regularly with different people
  • makes them feel good about themselves—they can see themselves gaining experience, expertise, status and acknowledgement by their colleagues and superiors
  • fulfils them—it gives them a sense of personal achievement by presenting them with new challenges, helping them grow and be creative.

Find the company that satisfies them all:

  • Good compensation
  • Helping other people achieve their goals
  • Have a good social life
  • Do some charity
  • Looks after your health
  • all this sums up to a lot of job satisfaction

I found a company that ticks all my boxes which is NuSkin:

  • It has the best compensation plan in the industry
  • The business model is built to help other people achieve their goals
  • By doing the above you will be interacting with a lot of people from a lot of different cultures and back grounds since it is an international company.
  • It is linked in with different charities their main one is ‘Nourish the Children’, http://www.nuskin.com/en_US/culture/nourish_the_children/charity_partners.html
  • Using the products is proven to benefit your health
  • It rewards all the milestones you make in your business

Let me know when you would like to sign up so we can make that happen easily.

HarmonicFuture/join-the-team/

The last wishes of Alexander the Great

Alexander the Great

On his death bed, Alexander the Great summoned his generals and told them his three ultimate wishes:

  1. The best doctors should carry his coffin;
  2. The wealth he has accumulated (money, gold, precious stones etc.) should be scattered along the procession to the cemetery; and
  3. His hands should be let loose, hanging outside the coffin for all to see!

One of his generals, who was surprised by these unusual requests, asked Alexander to explain.

Here is what Alexander the Great had to say:

1. I want the best doctors to carry my coffin to demonstrate that, in the face of death, even the best doctors in the world have no power to heal.

2. I want the road to be covered with my treasure so that everybody sees that material wealth acquired on earth, stays on earth.

3. I want my hands to swing in the wind, so that people understand that we come to this world empty handed and we leave this world empty handed after the most precious treasure of all is exhausted, and that is TIME.

4. We do not take to our grave any material wealth, although our good deeds can be our travelers’ cheques. TIME is our most precious treasure because it is LIMITED. We can produce more wealth, but we cannot produce more time.

5. When we give someone our time, we actually give a portion of our life that we will never take back. Our time is our life!

6. So the best present that you can give to your family and friends, is your TIME.

Now what happens mostly we postpone the giving of time to the people we love the most in order to do other things. So my advise is to find a business model to build while you are still working. Build that business and you will be able to spend the time with your loved ones. Leave me a reply if you would like to find out more on how. The longer you postpone this the more likely it becomes that you will have the regrets that Alexander the Great had.

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Why travel is so beneficial.

travel, Frankfurt, Rotterdam, Tokyo, Vienna, Tokyo, Rio, Toronto, Paris, wahington

To start let’s mention 10 benefits traveling does for you:

  1. it broadens your horizons
  2. experiencing different cultures and realizing the same things can be done in different ways
  3. meeting some of the nicest people
  4. doing things you don’t normally do
  5. eating foods that change your taste buds
  6. seeing things you haven’t seen before
  7. learning a new language or part of it
  8. understanding different cultures
  9. sense of adventure
  10. develop skills you didn’t know you had

And the list can go on and on……………..wouldn’t it be nice if you could do that more often? Well I guess you can! Become a professional traveller, work on an airplane, work on a cruise ship work on a yacht and the list goes on, but in reality these jobs are not for everybody. Now one of the best things of travel I think is meeting so many different people. What if you could have a business out of just that……………………………………

I am wondering what you are thinking now, since this is so easy and I know you like it to. Most entrepreneurs say: ‘like what you do and you never work another day in your life’

So why is not everybody doing this? Because we have all been brought up: study hard so you can get a good job and work hard so you can pay the bills at the end of the month and repeat this every month. If you enjoy this then by all means carry on with that. If you don’t isn’t it time for a change? This change doesn’t have to be over night but it can be gradual. As long as you move towards living the life you want every day! Does this take you out of your comfort zone? I am sure it does. Life is to short to not enjoy it!!!

Oh and I forgot one very important point of benefits of travel…….it’s fun!! So why don’t you make your business out of meeting people and it can be all over the world. If you are interested leave me a reply.

Have a great weekend

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Free training

8237767-workplace-with-a-laptop-mug-of-coffee-pen-and-paper

There is more free training available at the Harmonic Future facebook page and don’t forget to like it.

See you there!

Harmonic Future/Free training/

SUGAR KILLS

Sugar is poison

Sugar — The Most Damaging Narcotic in the History of Civilization

Narcotics in food. When we reflect on today’s “drug-culture” and the flagrant increase in drug-abuse, we generally think in terms of alcohol, heroin, L.S.D., marijuana, tobacco, cocaine and a variety of other mind benders. Certainly all of them have been and are today the cause of an untold amount of misery, of wrecked lives and the rapid breakdown of the health and morals of our race. Furthermore, the lasting damage to the gene pool is staggering.
Sugar. There is another narcotic that all of us have been using by the bucket ever since we were little babies that has undoubtedly done more damage to humankind over the last three hundred years than alcohol, tobacco, heroin, marijuana, and all the other “hard drugs” combined. It is something that comes disguised as a most pleasant tasting food, even your sweet, loving mother would administer to you by the bushel. That narcotic is sugar — ordinary, refined, crystalline, white sugar you buy at any grocery store.

Sugar a narcotic? Yes, sugar is a narcotic — an unnatural substance produced by industrial processes (mostly from sugar cane or sugar beets) by refining it down to pure sucrose, after stripping away all the vitamins, minerals, proteins, enzymes and other beneficial nutrients. What is left is a concentrated unnatural narcotic which the human body is not able to handle, at least not in anywhere near the quantities that is now ingested in today’s accepted lifestyle.

Sugar Addictive. The average American now consumes approximately 115 lbs. of sugar per year. This is per man, woman and child. The biggest reason sugar does more damage than any other poison, drug or narcotic is twofold: (a) It is considered a “food” and ingested in such massive quantities, and (b) The damaging effects begin early, from the day a baby is born and is fed sugar in its formula.

So it is with just about any factor that affects our health and well-being: It is the correct amount that is important. However, there are thousands of substances we ingest that are harmful, and doing a way with them altogether would be best.
Because of the quantities in which we have been consuming sugar is the main reason why sugar has been the most destructive culprit in all its history. It has all the right qualities for a destructive poison: it is sweet and attractive to the palate, you can never get enough of it. It is a narcotic and it is addictive. It takes years for the damages to become evident.

Sugar an Unnatural Chemical. Why is sugar so devastating to our health? One reason is it is pure chemical and through refining has been stripped of all the natural food nutritives that it originally had in the plant itself.
Sugar is first pressed as a juice from the cane (or beet) and refined into molasses. Then it is refined into brown sugar, and finally into strange white crystals C12H22O, that are an alien chemical to the human system.

Addictive. A second reason that sugar is so harmful is, it is addictive, and being delectable and seductive to the taste, it is also habit forming (there is a difference). Starting with sugar in the baby’s formula, people not only develop a strong taste for sugar but an insatiable craving for it so that they never seem to get enough of this poison.

Slow but Insidious. A third reason is that the damage sugar does is slow and insidious. It takes years before it ruins your pancreas, your adrenal glands, throws your whole endocrine system out of kilter and produces the multifarious damages we have listed in this chapter.

Foods loaded with Sugar. A fourth reason is the outrageous amounts of sugar civilized nations consume. Americans in particular are told how they are the best fed and best nourished people on the face of the earth?? If we are talking about processed junk food — this is true. If you examine the “foods” in any supermarket more closely and start reading labels, you will find just about everything contains sugar. Most of the foods are loaded with it — from cereals, to soups, to ketchup, to hotdogs.

List of Damages. We have stated that sugar is deleterious to your health: that it is more damaging than all other narcotics combined; that it is a long term chemical poison. Just what damage does sugar do to the human body?

The list is endless, but we will cite a few of the insidious ways sugar creates havoc with the human body. When we talk about sugar, we are including bad nutrition as a whole, since anyone who indulges in sugar has bad dietary habits per se.

1. Sugar is the main cause of diabetes, hyperglycemia and hypoglycemia.

2. It is either a significant or contributory cause of heart disease, arteriosclerosis, mental illness, depression, senility, hypertension, cancer.

3. It has an extremely deleterious effect in unbalancing the endocrine system and injuring its component glands such as the adrenal glands, pancreas and liver, causing the blood sugar level to fluctuate widely.

4. Sugar is by far the leading cause of dental deterioration — cavities in teeth, bleeding gums, failure of bone structure, and loss of teeth.

Do yourself a favor and stay away from this poison as much as possible, your kids will follow your good example!!

Never, Ever Give Up!

Heads up for Arthur and heads up for the yoga teacher that helped him believe in himself!! One of the most rewarding things in life must be helping others achieve their goals. Have a look at the below inspirational video.

 

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