Our world economy cycles like the seasons in recognizable patterns. These cycles have occurred

time and again since economies began and have been historically recorded in ancient Assyria,

Egypt, Persia, and Greece. In fact, Titus Livius, the scribe of ancient Rome’s history referred to

these economic cycles roughly 2000 years ago!

Today they are well known throughout the global finance industry, but rarely disclosed to the

public . . . until now. We disclose the four economic seasons, deliver the guidelines for each,

and specifically tell you how to build, preserve and maximize your wealth.

Best of all, we make it simple to learn and easy to execute. Anyone who has the will to change

their financial destiny can do so with a precise map that has existed for ages.

Learn from the past.

Hey, I know it is a crazy concept, but we actually learn from the past and for some reason it has worked for our

subscribers for many years.

Our algorithms belong to a computer system that actually learned from thousands of years of history, the

knowledge base is far beyond anything ever attempted. You will see firsthand that the charts on the Wealth

Preserver and the Wealth Maximizer are not merely my personal intellect. Since 1985 I have learned from (1) my

clients on a global scale forcing me to see the world through everyone’s eyes, and (2) building a computer system

to retain and collect the knowledge of generations. Allowing the computer to continually modify its own

optimization routines opening the door to a nonlinear landscape that has been truly stunning in its accuracy.

Governments Never Learn

Our problem in

government and in

analysis is the same.

Government never

asks has anyone tried

this before and what

was the outcome.

They are the perfect

example of insanity –

trying the same solution

over and over again yet

expecting a different

result. In analysis, mankind

has tried persistently to reduce

everything to a single cause and effect, interest rates up = stocks down, or some other stupid nonsense like

inflation = buy gold. This is far more complicated than that stupid nonsense because we live in a multidimensional

landscape within a nonlinear world. A world that is round, not flat with a mere straight line between two points.

The seasonal cycles, although similar in transition move forward uniquely.

There is PDF encryption software (Digimark) that tracks open PDF documents via the internet. Once our PDF

document is opened in an email account other than the one you registered, it sends our servers a digitally

encrypted file that includes your email address, plus the email and IP address of the illegally opened version. This

information is recorded and the cost of the subscription is charged to the original licensed subscriber for each

illegally forwarded copy that is opened; including issues forwarded by others. By opening the attached PDF

document, you agree to the terms. No additional notice is required by law.

Copyright © 2013 InterAnalyst, LLC 3

Investing doesn't have to be scary, and it's not just for people with thousands of dollars in spare cash. In fact, the

earlier you start investing, the more you can take advantage of the miracle of compound interest. The little you

can start investing now could reap huge rewards 30 years down the line. Every good plan starts with a clear

statement of goals. Where do you want to be in five years, 10 years or even 50 years? If you know what you want,

a solid investment plan will help you get there.

First you need to understand investment tools. Choosing a broker is a crucial part of your investment plan. An

expert can give you guidance, but you'll pay for his or her advice. Whether or not you hire a broker, it's good to

learn about investment strategies. Successful long-term investing isn't just simple guesswork, but it doesn't have to

be rocket science either. There are some basic formulas that even new investors can use to maximize their returns

year after year.

Armed with your new knowledge of stocks, bonds, funds and investment strategies, you'll be ready to invest. In

this article, we'll walk you through the basics of how to become a successful investor, explaining the safest

strategies for making your money work for you.

Step 1: Set Your Investment Goals

Before you invest a single dollar, it's helpful to figure out exactly why you're investing. Here's how to start: Grab a

piece of paper and list all of the things that you want to do in your life, focusing on those big moments that come

with a price tag. Use time frames to help organize your goals and future plans.

Five years out, your plan might be to get married, have your first child and buy your first home in a nice

neighborhood. Ten years out, maybe you'd like to have two more kids, which might mean a second car and a

bigger house. Twenty years out, college tuition payments begin. When are you planning to retire?

If it seems like your future financial obligations are quickly adding up, don't get discouraged. That's why you're

investing. The best thing you can do now is to be as specific about your future plans as possible, even if they're far

off on the horizon.

Retirement is the perfect example. The amount you need to save for retirement substantially differs depending on

when you plan to retire. If you want to retire early, perhaps in your 50’s instead of your 60’s, you may need to

invest as much as 20 percent of every paycheck to have enough to live on for the remaining 30 or 40 years. If you

plan to wait until age 65 in order to collect full U.S. Social Security benefits, perhaps you can get away with

investing significantly less.

Keep in mind that not all retirements are created equal. Do you want to buy a home in Mexico and spend your

golden years swinging away in a hammock? Or do you want to rent a one bedroom apartment in midtown

Manhattan and catch a Broadway matinee every Friday? Maybe you know that a full retirement isn't your thing.

Perhaps you'd like to keep working, at least part-time, as long as possible. These are the kind of details that will

determine your long-term investment strategy.

Now that you have your goals in place, it's time to familiarize yourself with the most common investment

instruments.

Copyright © 2013 InterAnalyst, LLC 4

AM I READY TO INVEST? No one should jump into investing without a safety net. Before you start taking even

conservative risks with your money, you need to establish a firm financial foundation that includes an emergency

fund. Most financial experts suggest medical insurance for you and your family and at least six months of income

sitting in the bank or in extremely low-risk accounts like CDs (certificates of deposit) and money market accounts.

Once you've established this foundation, start with what you can spare, as little as $25 a month.

Step 2: Learn the Different Types of Investments

Knowledge is power. Even if you don't plan on personally managing your individual investments, it pays to know

the details about the most common types of investment instruments: stocks, bonds and funds.

When you buy stock, you're buying partial ownership in a company. Stocks are sold as shares, and every

shareholder is entitled to a percentage of the company's annual profits called a dividend. But most people don't

buy stocks for the dividends. They buy them as long or short-term investments.

The price of a share of stock is constantly changing. Stock prices go up and down based on the value of a company

on paper and the perceived value of a company in the eyes of investors.

The golden rule for investing in stock is to buy when the price is low and sell when the price is high. This is easier

said than done. Unless you are a deity or have e.s.p., it's very difficult to predict when a stock has reached its

lowest or highest price. The best you can do is invest using index funds according to our research and that of many

top advisors and Nobel Laureates.

Historically, the stock market as a whole has grown on an average of 6 to 12 percent a year. This is why

many financial advisors consider stocks or funds an excellent long-term investment. The stock market is also

attractive for short-term, higher-risk investors. With stock prices changing every minute, there's tremendous

potential for a quick profit or an equally quick loss.

Bonds are another investment tool that are considered some of the safest investment securities around. This is

because a bond is essentially a loan. In this case, the investor is the one who's loaning the money. The most

common bond is a Treasury bond or a T-bill. When you buy a T-bill, you're loaning money to the United States

government at a fixed interest rate. You can also buy bonds from local governments, municipal bonds, and

businesses offering corporate bonds. Because bonds are somewhat safe investments, they carry some of the

lowest interest rates.

With a mutual fund or exchange traded fund your money is pooled together with cash from thousands of other

investors to buy a portfolio of stocks, bonds and other securities. A fund is run by a team of professional money

managers.

The advantage of funds is that they give you instant diversity in your investments. For a beginning investor, it

would be very expensive and time consuming to make a lot of individual stock and bond purchases, we'll talk more

about these fees later. With funds, your money is invested in a balanced portfolio of stocks and bonds without

incurring fees for each purchase.

Stocks, bonds and funds are the most common investments, but certainly not the only ones. Real estate

investment trusts (REITs) are companies that own and manage a portfolio of real estate properties and mortgages.

By investing in an REIT, you're entitled to a cut of the company's profits. Stock futures are contracts to buy or sell a

certain amount of stock on a specific date. You can also trade international currencies on the foreign exchange

market known as forex. The list goes on and on.

Copyright © 2013 InterAnalyst, LLC 5

But if you're just getting started as an investor, it's best not to leap into complicated, high-risk investment

instruments. Stick with exchange traded funds, better known as ETF’s for now and learn more about the other

options as you go.

The person who could help you execute your investment trading strategy is your broker. Let's talk about how to

choose a broker in the next section.

Step 3: Choose an Investment Broker

To buy and sell exchange traded funds (ETF’s), you need a broker. A broker can either be an individual licensed

agent or a brokerage firm like Merrill Lynch, Smith Barney or Charles Schwab. The most basic function of a broker

is to execute trades for the investor, but many brokers offer additional services like investment advice and

portfolio management. Brokers make money by charging commissions on each trade and collecting fees from

investors.

It's important to understand how these commissions and fees work. First of all, most brokers require a minimum

deposit in your brokerage account. It's similar to a bank account, and the broker will withdraw money from it every

time he or she needs to make a trade. The average minimum deposit is between $500 and $2,500, but it's not

uncommon for minimums to be as high as $10,000. If you can't supply the minimum deposit, you can't work with

the broker, so look for that information first.

As we mentioned, brokers make money by charging a commission on each trade. The amount a broker charges

varies greatly between discount and full service brokers. Traditionally, discount brokers don't do anything but

execute the trade. Many online brokers therefore, are discount brokers. You fill out the details of the trade on the

Web site, when you hit "buy" or "sell" someone on the other end makes the transaction.

Full-service brokers do much more than just execute trades. They're professional money managers and financial

planners who work with a client to develop a clear investment strategy and maintain a portfolio that supports that

strategy. For some investors these brokers are the only choice. History however, has proven that there is better

than an 87% chance that full service brokers do not beat basic index investing with a discount broker. The average

full-service commission is between $100 and $500 a trade. Discount brokers can charge as little as $5 per trade.

In addition to commissions, brokers also charge annual maintenance and operating fees. Some brokers even

charge inactivity fees if you go for months without making a trade. While others charge minimum balance fees if

your brokerage account dips below a certain level or amount. Before working with a broker, make sure you

understand what fees apply to your account and how they will be calculated.

As a beginning investor, it can be difficult to choose between a discount and full-service broker. Discount brokers

are cheap, but you get what you pay for: A discount broker doesn't get paid to give you advice. On the other hand,

not all full-service brokers are worth their hefty commissions. Some are arguably salesmen who only peddle their

brokerage firm's investment products. As we discussed earlier, they get paid by the trade. Some full-service

brokers have been accused of encouraging clients to make multiple, unnecessary trades, which is an unethical

practice called churning.

The good news is that your investment plan is already laid out for you in this manual, so you can maintain lower

costs using a discount broker of your choice.

Once you have a broker, it's time to develop an investment strategy.

Copyright © 2013 InterAnalyst, LLC 6

Step 4: Learn About Investment Strategies

There are some basic investment strategies that every beginning investor should understand before putting their

savings on the line.

When you're building your first investment portfolio, you likely should put most of your money in the markets. But

if you read the financial page, you know that the stock market can take big dips and unpredictable jumps. Isn't

putting so much money in the market too risky? On one hand, you're right -- stocks are riskier than other

investments like money market accounts.

But you're also confusing short-term volatility with long-term risk. The truth is that the market has always crept

higher and higher over the long-term, even if there are a few very rough years along the way. As an investor, you

can learn to avoid those bad years. Kiplinger.com puts it this way: "Invest aggressively for the long-term and

conservatively for the short term". If you're putting money away for 30 years, go for stock based index funds as our

research has proven. If you're saving money for next year, put it in something ultra-safe, like a CD.

Another important principle of investing is something called dollar cost averaging (DCA). The problem with

investing in something like the market is that it's hard to know when prices are going to go up and when they're

going to go down. As a beginning investor, you don't have the time or money to waste responding to every slight

market fluctuation.

DCA takes a lot of the guesswork out of investing. Every month, you invest the same exact amount of money

whether it's $25, $100 or $500 in the same investment instrument. Let's use an index fund as an example. Every

month you buy $100 of SPY (S&P500 Index). When the price of the index is down, that $100 will buy you more

shares. When the price is up, the same $100 will buy you less shares. The result, over time, is that you end up

buying the S&P 500 fund at an average price per share.

Funds are ideal for dollar cost averaging. Many funds allow investors to automatically deposit a set dollar amount

each month. For beginning investors this is perfect. There's usually no minimum and it's a great way to get into the

habit of investing regularly.

In the next section, we'll explain how to build and maintain a balanced investment portfolio.

Step 5: Build Your Portfolio Based On The Economic Season

Your investment portfolio consists of all of your individual investments in index funds and other instruments. The

goal of any portfolio, whether you're just starting out or have decades of investing experience, is knowing what

economic season it is and then owning those investments that perform best in that season.

Again, the idea of using index funds is to diversify properly. If you have too many of your eggs in one basket, you

could end up magnifying your risk. Another is “seasonal risk”. If during a particular economic period gold tends to

decline, why would you own a gold fund? You would not, thus you would shift from gold to another type of fund

like real estate or stocks. A diversified portfolio managed properly spreads the risk evenly so that no investment

mistake will ruin everything.

As we mentioned in the previous section, the best investment strategy for new investors with limited funds is to

invest in index funds. The research we did covering 80 years of data proves that this is the best method. This allows

for regularly scheduled, modest contributions without incurring substantial fees. The great thing about index funds

is that they come in all flavors, meaning it's relatively easy to pick and choose a handful of funds to create a

diversified portfolio.

Copyright © 2013 InterAnalyst, LLC 7

We will help guide you through the economic cycle and which funds to own within the pages of your InsidersPower

newsletter.

For most, a diversified portfolio should include investments in five major areas

United States based index funds

Foreign based index funds

US and Foreign Real Estate Funds

Commodities (tangible goods like petroleum, energy, precious metals and agriculture)

An easy way to invest in these different sectors is by investing in index funds. Index funds are funds that are

diversified across a particular sector.

For example, there are stock index funds that invest in the 500 largest U.S. companies, closely tracking the

performance of the S&P 500. There are bond index funds that invest in a diverse mix of U.S. and foreign

government bonds and corporate bonds. And there are real estate index funds that invest in several different

REITs diversified across the residential and commercial sectors.

By investing in these types of index funds, not only do you achieve basic diversity across the five major sectors, but

the investments within those five funds are also highly diversified. That's called covering your bases.

In the next section, we'll talk about the importance of sticking to your plan.

Step 6: Stick to Your Investment Strategy

The worst thing a beginning investor can do is to try to predict the future performance of the market and invest

lump sums of money in the next "hot" sector or stock. Between 1998 and 2002, for example, the S&P 500 index

grew at a rate of 12.2 percent a year. But during that same period, investors in sector-specific mutual funds

received annual returns of 2.6 percent. So stick with index funds and our InsidersPower newsletter as it will keep

you posted as to what economic season it is and how to diversify during that season.

The idea is to stick to the plan, even if the plan changes slightly as you get older. The ratios of your portfolio will

slowly shift into more conservative investments as you accumulate more and more wealth. When you're ready to

retire, you'll have less money in an aggressive position and more in a conservative position. When you first started,

you had less money to lose and more time to recover from adverse fluctuations. But when you're retired, it's more

important to have conservative.

No worries here, we will give you the precise guidance and instruction within the pages of the InsidersPower

newsletter, and then you could execute the simple to follow instructions with your online discount broker.

In the next section we will explain how online discount broker trading works.

Copyright © 2013 InterAnalyst, LLC 8

Legend has it that Joseph Kennedy sold all the stock he owned the day before "Black Thursday," the start of the

catastrophic 1929 stock market crash. Many investors suffered enormous losses in the crash, which became one of

the hallmarks of the Great Depression.

What made Kennedy sell? According to the story, he got a stock tip

from a shoeshine boy. In the 1920s, the stock market was the realm

of the rich and powerful. Kennedy thought that if a shoeshine boy

could own stock, something must have gone terribly wrong.

Now, plenty of "common" people own stock and funds. Online

trading has given anyone who has a computer, enough money to

open an account and a reasonably good financial history the ability

to invest in the market. You don't have to have a personal broker or

a disposable fortune to do it, and most analysts agree that average

people trading is no longer a sign of impending doom.

The market has become more accessible, but that doesn't mean you should take online trading lightly. In this

article, we'll look at the different types of online trading accounts, as well as how to choose an online brokerage,

make trades and protect you from fraud.

A share of stock represents a tiny piece of a corporation. Shareholders, people who buy stock, are investing in the

future of a company for as long as they own their shares. The price of a share varies according to economic

conditions, the performance of the company and investors' attitudes. The first time a company offers its stock for

public sale is called an initial public offering (IPO), also known as "going public."

When a business makes a profit, it can share that money with its stockholders by issuing a dividend. A business can

also save its profit or re-invest it by making improvements to the business or hiring new people. Stocks that issue

frequent dividends are income stocks. Stocks in companies that re-invest their profits are growth stocks.

Brokers buy and sell stocks through an exchange, charging a commission to do so. A broker is simply a person who

is licensed to trade stocks through the exchange. A broker can be on the trading floor or can make trades by phone

or electronically.

An exchange is like a warehouse in which people buy and sell stocks. A person or computer must match each buy

order to a sell order, and vice versa. Some exchanges work like auctions on an actual trading floor and others

match buyers to sellers electronically. Some examples of major stock exchanges are:

The New York Stock Exchange, which trades stocks auction style on a trading floor

The NASDAQ, an electronic stock exchange

The Tokyo Stock Exchange, a Japanese stock exchange

Worldwide Stock Exchanges has a list of major exchanges. Over-the-counter (OTC) stocks are not listed on

a major exchange, and you can look up information on them at the OTC Bulletin Board or PinkSheets.

When you buy and sell funds online, you're using an online broker that largely takes the place of a human broker.

You still use real money, but instead of talking to someone about investments, you decide which stocks to buy and

Copyright © 2013 InterAnalyst, LLC 9

sell and you request your trades yourself. Some online brokerages offer advice from live brokers and broker-

assisted trades as part of their service.

If you need a broker to help you with your trades, you'll need to choose a firm that offers that service. We'll look at

other qualities to look for in an online brokerage next.

Choosing a Broker

Before you can trade stocks online, you have to select an online broker. Your online broker will execute your trades

and store your money and stocks in an account. The online trading industry has seen lots of mergers and

acquisitions, but there are still many firms to choose from. Different firms also offer different levels of help,

account types and other services. Here are some things you should keep in mind as you look for a broker.

How much money you plan to invest. Most firms require investors to have a certain amount of money to

open an account. This is different from a minimum account balance, although most brokerages have

those, too.

How frequently you plan to make trades. Are you going to buy one fund and hold on to it? If so, you'll

need to make sure the brokerage doesn't charge a fee for account inactivity. On the other hand, if you're

going to make lots of trades, you'll want a lower fee per trade. Regardless of how much you plan to use

your account, you should evaluate how much using the site will cost you.

Your level of trading experience and how much guidance you need. Some of the least expensive

brokerages don't offer much in the way of research or broker-assisted trades. Others, while still

moderately priced, offer market analysis, articles on successful trading and help from licensed brokers.

Any other services you may want. A few trading sites let you buy and sell funds but not much else. Others

are more like major banks offering debit cards, mortgage loans and opportunities for other investments

like bonds and futures.

Some sites rate online brokerages based on success rates, customer service response time, trading tools and other

factors. They can help you make a decision as you shop around for the best trading site for your needs, but keep in

mind that there are no official standards for ranking or evaluating brokerages.

As with any site that requires your personal and financial information, you should make sure your online broker

has good security measures, including automatic logouts and transmission encryption. You should also make sure

your brokerage is reputable. Here is a good list you can use to make sure your firm is legitimate.

Opening & Funding an Account

When you open an account with a United States online brokerage, you'll answer questions about your investment

and financial history. These questions determine your suitability for the account you are requesting. The brokerage

cannot legally allow you access to investments that you cannot reasonably handle. You will also have to provide

your address, telephone number, social security number and other personal information. This helps the brokerage

track and report your investments according to tax regulations.

In addition to providing this information, you must make several choices when you create an account. With most

brokerages, you can chose between individual and joint accounts, just like at a bank. You can also open custodial

accounts for your children or retirement accounts, which are often tax-deferred. Unless you pay a penalty, you can

usually retrieve earnings from a retirement account only when you retire.

Copyright © 2013 InterAnalyst, LLC 10

Next, you must choose between a cash account and a margin account. You can think of a cash account as a

straightforward checking account. If you want to buy something using your checking account, you have to have

enough money in the account to pay for it. Using a cash account, you have to have enough money to pay for the

fund you want.

A margin account, on the other hand, is more like a loan or a line of credit. In addition to the actual cash in the

account, you can borrow money from the brokerage based on the equity of the fund you already own, using that

fund as collateral. You then can buy additional funds. Your margin is the equity you build in your account.

According to the Federal Reserve Board, you must have at least 50 percent of the price of the fund you wish to

purchase in your account. In other words, if you want to purchase $5,000 worth of funds, the value of the cash and

funds in your account must be at least $2,500. You can borrow the other $2,500 from the brokerage.

Once you have made your purchase, you must keep enough equity in

your account, also called your equity percentage, to cover at least 25

percent of the securities you have purchased. Here's how the

brokerage determines this number:

1. The market value of your funds minus the amount of the

loan you took to buy the fund is your equity amount.

2. Your equity amount divided by your total account value is

your equity percentage.

If your equity percentage falls below the minimum, the broker has

the right to issue an equity call. Typically, the brokerage will try to

contact you, but the firm has the right to sell any and all of your assets to raise your equity percentage to the

minimum. The brokerage is not obligated to contact you.

Margin accounts are definitely more complex than cash accounts, and buying on credit presents additional

financial risks. If all of that sounds overwhelming, it's a good idea to stick with a cash account.

Finally, you must decide how the brokerage will store your money between trades. Many brokerages offer

interest-bearing accounts, so you continue to earn money even when you are not trading.

Once you have made all these choices, you must fund your account. You can make a deposit by check, make a wire

transfer to the brokerage or transfer holdings from another brokerage.

In summary, with a cash account, you buy funds with the money in your account. With a margin account, you can

buy on credit.

If you are still not comfortable, just go here to setup a “practice online account” to see how easy it is. Really, it is as

simple as setting up a bank account.

When your account is open, you're ready to trade. We'll look at the trading process next.

Making Trades

Once you've opened and funded your account, you can buy and sell funds. But before you do that, you want to get

a real-time fund quote to confirm the current price of the fund. Your brokerage may provide real-time quotes as

part of your service. Many free financial news sites offer delayed quotes, which are at least twenty minutes behind

Copyright © 2013 InterAnalyst, LLC 11

the market. If the market is moving quickly, a delayed quote can be substantially different from the real trading

price.

Once you've gotten your quote and decided you want to make a trade, you can choose to place a market order or

a limit order.

Market order - A market order executes at the current market price of the fund.

Limit order - A limit order, however, executes at or better than a price you specify. If the price doesn't

reach the limit you set, your trade will not go through.

Some brokerages offer additional options, often used to prevent high losses when a fund price is falling.

These include:

Stop order - A form of market order, this executes after the price falls through a point that you set. The

order executes at market price, not at the stop point.

Stop limit order - These are like stop orders, but they execute at a price you set rather than market price.

In rapidly moving markets, the broker may not be able to execute your order at your set price, meaning

that the fund you own may continue to fall in value.

Trailing stop order - Like a stop order, a trailing stop executes when the price falls through a point you

set. However, its selling price is moving instead of fixed. You set a parameter in points or as a percentage,

and the sale executes when the price falls by that amount. If the price increases the parameter moves

upward with it. So, if a fund is trading at $20 per share, and you set a trailing stop order with a three point

parameter, your initial selling price would be $17 per share. But if the price then increases to $25 per

share, your new selling price would be $22 per share.

You must also select whether your order stays active until the end of the day, until a specific date or until you

cancel it. Some brokerages allow you to place "all or none" or "fill or kill" orders, which prevent a partial rather

than complete exchange of the funds you want to trade.

Contrary to many people's perceptions, making trades online is not instantaneous, even if you're placing a market

order. It can take time to find a buyer or seller and to electronically process the trade. Also, even though you can

access your account and place buy and sell orders twenty-four hours a day, your trades execute only when the

markets are open.

If you are still not comfortable, just go to a simulated trading site to see how easy it is to make an online trade.

Remember, do not buy individual stocks or penny stocks, we recommend sticking to Exchange Traded Index

Funds that have a solid and proven history and tremendous liquidity. If you stick to these well-established globally

diversified investment vehicles and follow the Wealth Preserver, Wealth Maximizer and the InsidersPower

newsletter you can be investing for the long term.

Here is a reputable list of online Discount Brokers from which you may choose.

Copyright © 2013 InterAnalyst, LLC 12

And The Harsh Economic Reality Through 2030

We live in times of unprecedented scientific advances and expanded predictability. Yet most economists,

politicians, businessmen and investors fail to recognize the most powerful insight in modern times: that our

economy, stocks, bonds, real estate and commodities have clear and predictable seasons.

They miss this point because most of them focus on symptoms, not causes. They spend too much time analyzing

government policies that are largely reactions to the very cycles the politicians themselves fail to notice.

This is unfortunate. Missing this fact costs them financially. They’re blinded to the opportunities these economic

“seasons” present and so they lose countless chances to profit. They even fall victim to losses they could otherwise

have avoided.

Just look at what happened to investors when stock markets topped in 1929, 1968 and 2007. They piled into

overheated markets and were crushed when everything collapsed.

They didn’t see the end of the 39-year spending wave cycle coming. They paid dearly for it. Commodities topped in

1920, 1951 and 1980. Again, investors snapped up precious metals and the like when they were already

overpriced. Then they lost their money as these commodities predictably deflated. They ended up holding metals

worth far less than what they paid for them.

Sound familiar, the same mistake is occurring again. They don’t recognize that our economy is moving through the

winter season now. A season that will see gold collapse to $750/ounce, deflation reign supreme and the Dow

slumping first to 6,500 by 2015 and eventually plummeting all the way down below 4000 by 2024. Millions of

investors will be slaughtered as this shakeout season unfolds. Worse, they’ll miss out on all the opportunities for a

once-in-a-lifetime investment success.

When you see the cycles, 39 years for the spending wave and 30 years for the commodities cycle, it looks almost

impossible to miss. The problem is that most investors don’t get to see the macro picture. They tend to focus on

short-term cycles that may be nothing more than steps in the broader cycle. Because that’s just what we know.

Knowing the historical patterns and cycles of markets and economies gives you a distinct advantage over everyone

else.

So here are the economic cycles you need to be aware of so you can profit from the opportunities and protect

against the coming disasters?

The Most Powerful Cycle of all . . . a cycle that has existed and repeated itself in every civilization since before

ancient Egypt.

On the next page you will see quotes from long ago that tell you about those cycles . . .

Copyright © 2013 InterAnalyst, LLC 13

And today’s cycle has been playing itself out right in front of your eyes . . .

Copyright © 2013 InterAnalyst, LLC 14

The length of the economic cycle (50-80 years) is fundamentally related to the length of a human life, as every

cycle is repeating the human mistakes made in the previous cycle. Few are alive today to remember how the

bubbles were pumped up in the 1920s. The roaring 20’s were celebrated and cheered until the pop of the housing

and credit bubbles. Much like it is being cheered today.

The 80-year economic cycle consists of four symbolic seasons:

Spring: The Maturity BOOM

Summer: The Inflationary Bust

Autumn: The Growth BOOM

Winter: The Deflationary Depression

Let’s take a look at each season and describe them in detail.

Spring

The spring starts after the devastation of the winter of the previous cycle.

Winter has just cleared out poorly managed companies and spenders. At this moment the balance sheets of

corporations and individuals are quite healthy, the debt level is low, consumption is low and well below incomes.

Copyright © 2013 InterAnalyst, LLC 15

The newspapers will call that “the nation of savers“. For example, one can hear a lot about Japan being “the nation

of savers” in 1990′s and 2000′s. In fact there is nothing special about Japan, they entered their spring season of the

economic cycle in 2006 and they are saving a lot because that’s what winter and spring seasons are all about.

In spring the economic expansion is moderate, the necessary increase of the monetary base to cover the bigger

economy’s needs is covered by modest debt growth and modest monetary inflation.

Summer

The growth is pretty good, but the inflation finally gets out of hand.

The growing inflation makes debt servicing problematic, which prevents individuals and corporations from taking

on too much debt. But the economy needs money, so the Feds are forced to turn on the printing press as they just

can’t force more debt into the system. Obviously, the rampant inflation makes the debt servicing even more

problematic, which creates a vicious cycle of Feds printing more and more money.

At the end the inflation becomes so bad that it becomes a political problem. Feds finally don’t have any choice but

to kill the inflation by raising the interest rates.

Autumn

This period is the best.

Autumn is a debt bonanza. Falling inflation and interest rates allow consumers and corporations to load up on debt

without increasing debt servicing obligations. Feds are happy because they can slow down the money printing

machine as now banks and broker-dealers can create money all by themselves, without the Feds help. Feds are

also happy because it’s very easy to control inflation. The debt load is so big that slight changes in interest rates

can accelerate or slowdown the economy as desired.

It is important to differentiate that while in the summer stage, the money supply is growing in an inflationary way

in autumn, it’s all just leverage (or debt). Money is a claim for goods; leverage is a claim for money. The banks are

creative in the ways they create leverage, as they can’t physically print the currency with the president faces.

Instead, they create all kinds of derivatives, collateralized debt obligations, mortgage-backed securities and stuff

like that. It’s a big fun to print those papers and collect fees!

It is very important to mention that during the autumn the increasing number of borrowers (individuals or

corporations) are becoming “Ponzi” units. A Ponzi borrower is the one who needs a constant increase of its debt

burden in order for new debt to be used to service the old debt obligations. Usually it works fine as the assets used

as debt collaterals are exploding in price. Until they don’t.

Autumn is typical for all kinds of bubbles. For example, in the US, the 1920’s were famous for the real estate

bubble, credit bubble and stock market bubble. In the late 1990’s it was the tech bubble and in the 2000’s the Real

Estate bubble and now we have a new stock market bubble. It’s a very bubbly time.

Winter (Deflationary Depression)

All the fun must end and the last bubble must pop.

The reason that final autumn bubble pops is not the increase of interest rates or any other Fed mistake. Feds do it

all right. The bubble usually pops on its own weight, because there is a constant increase of debt to stay solvent.

Copyright © 2013 InterAnalyst, LLC 16

Eventually creditors go to strike and deny the new credit. At this time the collateral used for the debt is falling in

price, because the music stops and there is not enough chairs.

The collapsing credit is essentially equivalent to the collapse of the monetary base, because the debt obligations

are essentially money, or at least very similar to money. The collapse of money supply is called deflation. It leads to

the decrease of all kind of prices, goods, real estate, labor and the stock market. There is not enough money and

too many goods competing for money. It’s a time of oversupply. Too many factories, too many factory workers.

Too many farmers, too many oranges. Too many banks and too many bankers. Too many homes and too many

defaulted homeowners. The solution to the problem is massive elimination of all excesses. There are massive

defaults, bankruptcies and foreclosures. There are ghost towns with empty homes. People are laid off because

they are not needed.

How to fix that? Very smart Ben Bernanke suggested that he can drop money from helicopters. He is very smart

and he had sent a very clear message to those who listen. The only solution to the problem he knows is to use

helicopters. The only solution. So, if indeed he does not plan to drop money from the sky then there is no other

way to fix the problem. I don’t know the way either and nobody knows, because there is no way. The winter of the

economic cycle must happen in the same way as winter happens in nature, every single year.

The market economy self-heals each time it gets into trouble. The USA was the strongest country in the world in

1929, and it still was the strongest country in the 1940′s, after the Great Depression. So the Great Depression did

not break the economy, it healed it. The idea is that all the bad debt must be eliminated, which probably means

that pretty much all debt must be eliminated. The nation of spenders is converted into the nation of savers, which

can export more than it imports, which produces more than it consumes, which saves more than it spends.

When the Spring comes again, all the leaves are green and the flowers are ready to flourish. Since the early ’40s,

we have experienced three of these new “economic seasons.” During the spring of 1940 to 1965, stocks and the

economy surged upward. They peaked around the mid ’60s and then deflated during the summer of ’65 to ’80.

Once they reached bottom, they turned back up and investors enjoyed a massive fall season type boom between

1980 and 2007. Now, stocks and the economy are in the winter season and heading back down. They will only

begin to move back up again around 2023 - 2030, when the New Economy Spring is due again.

The booms tend to last 26 years, and the busts 14 years (give or take a few years on either side of the turn).

Because we live healthier lives and longer today than at any time in history, I have taken the liberty of moving it

from a 60 year cycle to roughly an 80 year cycle.

If you recognize these cycles, and plan your investment strategies accordingly, you have the power to earn greater

profits and avoid catastrophic losses that can destroy families.

The good news is that virtually all economies are intertwined globally so it is imperative to understand that the

seasons play a role that affects virtually all countries at the same time. This correlation, in effect, is led by the

strongest economic nation; the United States.

We track these 24 hours a day, 7 days a week, and 365 days a year for you and deliver a precise “Seasonal Steps To

Success”.

Copyright © 2013 InterAnalyst, LLC 17

Step One:

If you have not already done so, add the Wealth Preserver and Wealth Maximizer subscription to your investment

arsenal. As part of one or both subscriptions, you also receive our InsidersPower private newsletter which keeps

you up to date with the economic cycle and what season is currently active and which investments to own at the

time.

Step Two

If you have not done so already, choose a discount broker immediately to establish your accounts. If you have a

401k plan or other type of retirement plan, this system works great with your account as well.

Step Three

Structure all your current holdings in your retirement and investment accounts to match the “Seasonal

Diversification Chart” within your InsidersPower newsletter. The Charts below are a general guideline for each

season and the ETF links on the bottom lead you to a list of ETF symbols representing the heading.

SEASONAL DIVERSIFICATION GUIDELINE

Stock Market Bonds Commodities Real Estate (Res) Real Estate (Com) Gold MM

Spring 75% - - 25% - - -

Summer 50% - 10% 25% - 15% -

Fall 80% 10% - - 10% - -

Winter 30% 10% - - - 30% 30%

ETF’s See Table Below ETF’s ETF’s ETF’s ETF’s ETF’s ETF’s

The table below represents how your stock market diversification should look during each season depending on

your personal risk profile; which can be determined here.

RISK PROFILE DIVERSIFICATION GUIDELINE

S&P 500 Dow Jones Nasdaq Russell 2000 Your

Country

Conservative 50% 30% 5% 5% 10%

Moderate 40% 20% 15% 15% 10%

Aggressive 20% 20% 20% 20% 20%

ETF’s ETF’s ETF’s ETF’s ETF’s ETF’s

Copyright © 2013 InterAnalyst, LLC 18

Step Four

Because each season evolves into the next, you MUST use your Wealth Preserver and Wealth Maximizer

subscriptions along with your InsidersPower newsletter.

Within your InsidersPower newsletter can be your precise diversification structure.

Your monthly issue of InsidersPower will continually alert you when it is time to adjust and evolve your portfolio

into the correct seasonal diversification to precisely guide your way through each economic season.

This maximizes your return and helps avoids massive declines from intermediate to long term declining markets.

Step Five

Using InterAnalyst’s Wealth Preserver, Wealth Maximizer and InsidersPower subscriptions to traverse the current

and future economic landscape.

This is a monthly indicator that can help build and preserve your wealth. The Monthly level of a market is where

the long-term trend actually is defined. The Monthly level distinguishes the dividing line between what we would

call a bull and bear market. Swings from bullish to bearish are far less common and may take place perhaps once

or twice over a several year period. Look to the Monthly level to determine if a long-term trend is still in motion or

if there is some danger of making a significant change in the overall tone of a market. The most important point of

this indicator is that you only receive a trade signal when there are significant moves in the market! So, it is

essentially buy and hold while the market is going up, and getting out avoiding dramatic declines. Most investors,

upwards of 80% should remain and track this indicator.

Rule 1

When you see that there is a Green Arrow pointing up, you should buy and hold your domestic investments in

your retirement and personal accounts. There is a high probability of rising in prices.

Use the seasonal diversification chart on page 4 to determine your diversification.

Continue to contribute to your investments monthly or by paycheck if in your retirement plan i.e. 401k.

You do not need to worry if you don’t have an S&P500 index fund within your retirement plan or

investment account; domestic equity funds will rise in correlation to your country’s index.

Rule 2

When you see that there is a Red Arrow pointing down, you should exit your investments in your retirement and

personal accounts. There is a high probability of sustained declining prices.

Place all your liquidated money in any available Money Market (MM) account at your discount broker or

within your retirement plan. i.e. 401k (there is no taxable event if maintained within the retirement

account.)

Copyright © 2013 InterAnalyst, LLC 19

Do not enter the market until Rule 1 occurs.

Do not be afraid to stay in a preservation mode for extended periods of time. It is better to preserve your money than to risk losing it. For example, from December 2000 through May 2003 and from January 2008 – May 2009 we were under Rule 2 and preserved more than a 35% decline in both timeframes.

This is a weekly indicator that can help build and preserve your wealth. The Weekly level of a market is where

most portfolio analysis begins. Large investment portfolios cannot move big positions back and forth for a minor

reaction over the course of a few days. It is common to see the weekly level swing back and forth between bullish

and bearish perhaps as many as 4 to 12 times per year. This often indicates a shift in near-term trend where

perhaps a reaction might last for 3 to 13 weeks. Turning bullish to bearish on the weekly level is NOT a

confirmation of a change in long-term trend just yet. It should be used primarily during the Spring, Summer, and

Autumn seasons. The most important point of this indicator is that you use it to determine additional entry points

into your Wealth Preserver system!

Rule 1

When you see that there is a Green Arrow pointing up in both the Wealth Preserver and Maximizer you should

buy investments in your retirement and personal accounts. There is a high probability of rising prices.

Rule 2

When you see that there is a Red Arrow pointing down in the Wealth Maximizer:

Do not sell your investments if Rule 1 is in effect within the Wealth Preserver.

You should exit your investments if Rule 2 is in effect within both the Wealth Preserver and the Wealth

Maximizer. There is a high probability of sustained declining prices in all seasons.

Can the Wealth Maximizer be traded independently?

Yes, however, its primary use is to help pick entry points within the Wealth Preserver trading system. For example,

most investors in 401k plans contribute by paycheck. If your symbols weekly chart in the Wealth Maximizer was

under Rule 2, then your paycheck contributions should go into the money market account. When Rule 2 shifts to

Rule 1 in the Wealth Maximizer, then you should immediately invest according to the season diversification chart.

The Wealth Preserver may be under Rule 1 for years while the Wealth Maximizer may be under Rules 1 & 2

multiple times during the same time frame. This occurs because the Wealth Maximizer is a shorter term weekly

indicator that was designed to help you pick better entry points within Wealth Preserver.

Weekly Updates & Trading

The charts and arrows for both the Wealth Preserver and Wealth Maximizer are updated every weekend after the

Friday market close and before midnight on Saturday. Trades should be placed with your broker or retirement plan

administrator on Monday, or the next trading day.

Copyright © 2013 InterAnalyst, LLC 20

This is a monthly newsletter that becomes available on the 1st

day of each month.

Within your InsidersPower newsletter you’ll find financially beneficial articles and some that describe the current

state of domestic and global economies.

More importantly, your monthly issue of InsidersPower will continually alert you as to when it is time to adjust

your portfolio into the correct diversification to precisely guide your way through the evolving economic seasons.

This helps you maximize returns and assists in avoiding massive investment declines associated with all seasons.

Most importantly, if there is an economic and financial emergency, we will notify you immediately by email.

Copyright © 2013 InterAnalyst, LLC 21

In 1985, Livio S. Nespoli wrote his first Investment Book called “Invest with History”. In it,

he revealed how an investor could use historical precedent along with social mood and

demographic trends to accurately predict the direction of the markets, sometimes

decades in advance.

Since then, Livio had delivered countless seminars to thousands of professional and

amateur investors teaching them how to accurately identify booms and busts well ahead

of the mainstream. He gained international attention for his warning to investors of the

2000 peak and 2008 stock market collapse months before they happened. But this was not the first time he was

“on the money” with his big picture forecast.

For example, in February of 2000 Livio accurately forecast the stock market collapse and the multi-decade

economic collapse that would begin. In other words, his proprietary indicators, which are now available to all

investors, accurately predicted the major economic and stock market events that could have made you

substantially richer over the past 18 years.

How does he do it? Well, while most economists focus on short-term trends, policy changes, technical indicators,

elections, things that are volatile, unstable and can change from day-to-day. Livio has always focused on long-term

trends and cycles, not the day trader mentality. Demographics. Business cycles. Socionomic patterns. Things that

have demonstrated themselves over hundreds and even thousands of years to be consistent, predictable and

measurable.

In addition, through over 80 years of research he has found that most of the largest financiers have known of these

proven and predictable Socionomic patterns. He has provided devastatingly accurate market entry and exit points

by helping you follow those historically proven cycles.

He studies the past to forecast the future, an approach that enables subscribers to position themselves with an

incredible degree of accuracy. Then he makes minor tweaks and adjustments in response to intermediate term

events that occur along the way.

And that’s what he brings to you on his InterAnalyst subscriptions so you’ll know what’s coming next, where the

immediate opportunities are, and where to park your money for the longer term.

As an InterAnalyst subscriber, you will know, for example, when it’s time to start profiting from the rise of specific

economies and exactly what investments could hand you the fastest profits.

You’ll learn when commodities will likely reach their peak in their cycle and how to ride the gains. You’ll also learn

when they’ll turn down and what investments to make to profit from any moves down.

You’ll learn when the property market could turn up again. You’ll also learn when, money markets and bonds

would be a better investment than equity allocations and when not. You’ll be ahead of the markets on every boom

and bust and access the tools you can use to prepare yourself to profusion.

Copyright © 2013 InterAnalyst, LLC 22

Copyright © 2013 InterAnalyst, LLC 23

The indicators, strategies, columns, articles and discussions (collectively, the “information”) are provided for

informational and educational purposes only and should not be construed as investment advice or a solicitation for

money to manage since money management is not conducted.

Therefore, by no means is this publication to be construed as a solicitation of any order to buy or sell any security.

Accordingly, you should not rely solely on the information in making any investment. Use the information only as a

starting point for doing additional independent research in order to allow you to form your own opinion regarding

investments.

Don’t trade with money you can’t afford to lose and never trade anything blindly. Always consult with your

licensed financial advisor before making any investment decision. It’s your money and your responsibility.

www.interanalyst.us

“Assyria, Babylon, Egypt, Persia, China, India, Rome and our current Capitalistic Western

society all have their times in history. Economies existed and cycled like the four seasons

since civilization began and will not stop now.

The seasons exist and repeat based on the lifespan of humans and our lack of learning

from the previous generation. Time moves forward but human emotions and desires such

as power, fear, and greed never change. The history books are filled with love, lust, life,

death, conquests, failures, genocides, morality, immorality, financial riches and ruin.

The personal lessons gleaned from history are clear. Gaining personal success is not about

where the economy and culture reside at any given point in time. It’s about where you

invest your time, energy, and money during that part of the economic cycle that

determines your ultimate financial destiny.

Would you wear a winter coat in the middle of summer? Of course not. When leaves fall

from their branches do you not know that winter is near? Of course you do.

Seasonal economic cycles are just as clear. You must clothe yourself appropriately for each

season or suffer the consequences.”

Livio S. Nespoli, InterAnalyst Founder