The way I teach people to invest is by first identifying the cycle we’re in. Cycle refers to repeating patterns with investments that occur at regular time intervals. There are two main cycles: stocks and commodities. Each cycle lasts roughly 15 – 20 years. Currently, we are in the commodity cycle which began in 2001. We can see this is true, because commodities have led in performance for the last 11 years. Gold has appreciated about 17% per year and silver about 24% per year (except last year, silver was slightly negative due to a normal pullback, not the end of the trend).

So we know we’re in the commodity cycle and roughly 11 years into a 15 or 20 year trend.
There is still plenty of time to build wealth. Cycles end when it becomes obvious to everyone, even the non-investor, that this is a good place to build wealth. Then seemingly everyone jumps to invest, or go “all in”, and we see tremendous appreciation at the very end of the cycle, usually climaxing in a “bubble.” By definition, bubbles are invisible while they are building, and only can be recognized by everyone in hindsight.

Since this bubble has not only to do with commodities, but also gold and silver being treated as currencies (yes, it’s happening. Countries are now paying for oil with gold, the Comex is accepting gold for payment, and so is the State of Utah). It’s just the beginning. Gold and silver will gain more acceptance as currency as the Dollar, Euro, and other paper currencies continue to lose value over time.

This will cause demand for gold and silver to back paper currencies (like the Swiss Franc is proposing now to be backed with 20% gold). The bubble will likely be worldwide as Central Banks purchase the metal at any price to back their failing paper currencies.

All of this is why silver is a great investment now. Silver is not only in the commodity cycle and also is a currency, it is used also as an industrial metal in new energy inventions and technology. Don’t let the fact it’s only $34 an ounce fool you. It is very rare and in low supply. High demand and low supply = a great investment opportunity! You can buy it from a coin dealer, like an American Eagle coin for about $5 over the spot price, or about $39 today. You can also invest in billionaire Eric Sprott’s silver ETF, symbol PSLV (I prefer this and do NOT recommend the more popular, SLV).  PSLV is at $14.55 a share today. Remember, you’re actually buying the physical silver, not mining company shares.

This is the best opportunity for very little money, to participate in the next bubble, IMHO. P.S. Right now is a great time to see where and how else you can build wealth and I’m offering a complimentary Wealth Building Strategy Session. Please click here to download the application.  Upon receiving your application, my assistant will be in touch with you within 24 hours to set an appointment for us to talk, so we can strategize your investing and wealth building needs.

I believe we are coming into a special age and the end of a cycle, not the end of the world. In this coming time, many things will change – eventually I believe even our currency will change.

Less and less control is being had by the people in the ivory towers, government, and businesses. More people are becoming entrepreneurs, living their life’s purpose, and using their own gifts and talents to make the world a better place. Everything is becoming transparent, even more so since we are all connected by the internet.

Some things we might see this year could include: the Euro falling apart (which may make the dollar stronger), the dollar and precious metals moving up at the same time (like the first week of this year), oil prices being volatile due to relations with Iran, and more. No doubt, it will be an exciting year!

Last year precious metals had an extremely volatile year. Silver moved up and down 100% intra-year! Gold added another approximately 20% gain, similar to the last 10 years, making it 11 years of gains in a row! The gold and silver mining stocks were a disappointment, down 18%, but look to be a fantastic buy here. The sentiment is the worst it’s been in years, which of course, is positive for the mining stocks to go up!

This is the perfect time to scoop up as many silver Eagles as you can. At only $35 a coin, I think they are a bargain. Last year silver almost reached $50 an ounce, so you’re getting a great buying opportunity here.

One thing I know. Paper money like the US dollar is being printed into oblivion. We’ve done nothing to clear our debts, we’ve just taken on more debt. In the meantime, gold and silver will be the store of value that maintains purchasing power while the paper money is trashed.

Many of the major banks/brokerages have predicted gold at $2,000 an ounce or more by the end of 2012: Morgan Stanley, UBS,  Goldman Sachs, Barclays and others. With China opening it’s own gold exchange, demand for gold should grow. Tensions with Iran can cause a flight to gold. Silver could break through $50 this year. Billionaire Eric Sprott considers silver to possibly be the investment of the decade! Volatility is the toughest thing to wait out. However, I believe this is the year your patience and foresight in owning precious metals will be rewarded.

This is the time to find out what’s really going on with money. Intuitively, you may know things have changed, but it’s hard to put all the puzzle pieces together and see the real truth. I’ve put it together into a clear picture.

To get your 2012 off to the right start, I’m offering the DVD of my 3-day live “Be Wealthy & Smart” event where I give all the details of this cycle, what could be the next financial bubble to create wealth, and easy ways to invest.

In celebration of the New Year, you can save 30% on the DVD’s until January 31st by entering this code at checkout: WEALTHY2012. More details about everything you will learn are here: http://www.lindapjones.com/dvd/

Here’s to 2012 being your best yet!

Here’s a few things you can do to get yourself into the mood and turn your thinking from grinch-like to giver…

1. Make a list of 10 things you’re grateful for, no matter how small. It might be for a cup of hot cocoa or a home baked cookie. Focus on the things you have, appreciate, or love to do.

2. Give yourself some belief change statements to focus on. Your brain might be on the channel, “what I can’t do”, instead of what you can. How about a few like:

- I am beautiful and happy just as I am.

- I have everything I need to live a joyful life.

- This is the best holiday season ever.

- I am filled with happiness and gratitude for all my blessings.

Watch how changing your thinking can actually make them come true.

3. Do something for yourself. We often do everything for others, even when they don’t appreciate it. Do something YOU will appreciate, whether it’s getting a holiday latte’, a chocolate dipped strawberry, or a 10 minute neck mas sage, give yourself a little treat. You deserve it!

4. Do something unexpected for someone else – a random act of kindness. Carry someones packages to their car, pay for a stranger’s latte’, help someone find something in a store or reach a top shelf. Go out of your way to do one thing on purpose for a stranger.

5. Buy yourself a little gift for Christmas or Hannukah. You buy gifts for everyone else, this one is just for you. If you don’t have much money, it can be small an symbolic of a future intention, like a child’s plastic diamond ring. Go to Tiffany’s and spend $75 on a business card holder or scarf. Buy a box of Godiva chocolates. Indulge yourself in a little way you normally wouldn’t do.

Now, doesn’t that feel better? If you still aren’t in the spirit, put on some holiday music and sing along.

Remember, just like putting on an oxygen mask first, you need to take care of yourself. This is the perfect time of year to make the gesture and start fresh.

Have a wonderful holiday with your loved ones. You’re surrounded in bright light, so keep smiling!

I feel frustrated that most financial advisors today are giving the same advice they did before 2008. Things have changed dramatically since then and yet there is little change in traditional financial institutions to show this.

 First of all, the US Government taking on huge debt is a game changer.

When TARP, QE2, and other money printing programs started, it changed everything.You see, our government had a choice. They could have let Lehman and AIG fail (and maybe that would have been disastrous), auctioned off the bad loans owned by the banks just like they did after the Savings and Loan crisis (which would have cleared all the foreclosures out of the system and sold them off to investors), and essentially started over by re-booting the system.

Instead, once they chose to print money, it changed the whole game.

Our currency is paper that is not backed by an asset. Prior to the 1970′s, the dollar was backed by gold. It’s not a problem if you don’t have too much currency in existence. But once you start printing more money and taking on TRILLIONS of dollars of debt (each $1 trillion is a pile of $1,000 bills stacked 69 miles tall!), it changes everything.

There are only a couple of ways to get out of overspending…you spend less or you earn more . For the government, that means cutting back on spending or raising taxes. They chose to do neither. When they (Republicans and Democrats) decided to print money, they chose an outcome that I compare to being in a crowded movie theater and yelling “FIRE!” and everyone running for the exit doors at the same time. Essentially, they have chosen to devalue our currency by printing enormous amounts of it. Have you noticed how high the prices are for imported produce? That’s because our dollar is weaker.

The only outcome is more of the same…more money printing…more devaluation…and on it goes.The only way to protect yourself in this scenario, is to own tangible assets – those that can’t be printed on paper and are in limited supply. If you haven’t bought silver yet, now is the time to start stocking up, while the price is so low. Silver will b e a direct beneficiary of the money printing and so will gold.

This is the biggest holiday gift I can give you…to condense what it took me 3 years to research and figure out. Eventually everyone will recognize that gold and silver are in limited supply and once again – years in the future –  they will be used to back our currency. You have a unique opportunity now to be early in that process and build tremendous wealth.

If you’d like to talk to me and have a “Wealth Action Session” to discuss how you can get your finances positioned for maximum wealth building, apply HERE: http://polldaddy.com/s/F684DEBE173F2B73

Happy holidays!

P.S. Be sure to check out the is article by Fidelity for some tips on 8 savvy tax moves before year-end: https://guidance.fidelity.com/viewpoints/8-year-end-tax-moves?ccsource=email_monthly

The message was clear – the playing field has leveled. The control that a few corporations used to decide who became published, who was put on TV, who was seen by the public, etc. has completely changed thanks to new technology. Today, anyone who has the desire can publish a book, as well as CD’s and DVD’s, be seen on internet TV, or have their own internet radio show. I think in the future, the lines between online TV and legacy TV will blur, particularly when future TV’s add computer capabilities.

There has never been a better time to be an entrepreneur. It’s time to identify your passion, purpose, gifts and talents. That’s what I call your “Personal Currency.” It’s what information you have to share with others and contribute to the planet, help and serve others, and generate income for yourself.

What’s your personal currency?

Not sure?

What I often find is people struggle with this and have trouble identifying what their personal currency is. There are many ways to help find out, but I’ve found the single most important thing is to first work on opening up your mind. You see, we’re so used to being “closed” to opportunity, we can’t even see it at the end of our nose!

Step One is to start thinking differently.

Why?

Seventy-two percent of all wealth that has been created in the last 12 years!

That’s why I’m offering a free teleclass to unlock your wealth potential. I’m going to help you think differently so you can see the potential you have within yourself. It’s time to open your mind to your possibilities for building wealth now! Details are here: http://www.lindapjones/freeteleclass.

It can feel overwhelming that you can’t get a break, the odds are against you, nothing works, and you don’t know where to turn to get out of the hole you’ve fallen into.

May I suggest you start with inside your head?

Everything begins with how you think about it. We may all agree and know this intellectually, but the problem isn’t in our thinking brain, it’s in our sub-conscious mind. As I mentor my clients, whether they make millions of dollars or are stay at home moms, the one thing I see in common is their internal belief system is holding them back from having the  wealth they have asked the Universe for. It’s a matter of faith and trust that the Universe will give you what you ask for. Usually it’s trying to give it to you, but you don’t get the message.

Recently I’ve heard:

-The agent new to the real estate industry gets a $2 million sale because they believe they can make it happen (and the existing agents in the office wonder how it happened).

-An Ob-Gyn doctor who decorates her office like a french bordello and gives her patients luxurious robes to wear instead of paper gowns and has a booming practice.

-Online businesses breaking records for sales of information products, seminars and coaching, even into the millions of dollars.

It takes a little fresh thinking, but there are ways to be making money now. Even in my discussions with you about gold and silver, I was recently asked if I was still confident that they will continue to increase in value?

Here’s where the contrarian mindset of an investor comes in. Is silver a riskier buy after moving from $25 up to $50/oz, or after a pullback from $50 to $30/oz? There’s more fear after the pullback than there is at the new high, yet the feeling should be opposite! It should feel less risky to buy it at $30 than at $50. What happens is, while it’s running up in price, it “feels right” so people keep buying on the way up, thinking it will continue up and maybe even afraid they will miss it.

When it goes down, they think it will continue down and they fear not knowing the bottom before they buy. I think silver at $30/oz is a bargain. After all, it peaked around 1980 at $50 an ounce, and here we are 30 years later and it’s less per ounce than it was then! That sounds like a bargain to me! We could see a lower dip in prices, but I’ve been buying here and I think a year from now, I’ll be happy I did. You could also average down here and bring your average price down. Either way, I think this is an extraordinary buying opportunity for the long-term.

There’s no lack of opportunity to make money. The only lack is inside your mind, with those old tapes playing from our subconscious. Stay in gratitude and start seeing the possibilities around you with fresh eyes. The old ways are gone and there are lots of new ways to build wealth that are right in front of you. If you have faith and trust the Universe will bring them to you.

I’ve been noticing a lot of women I’ve talked to lately are feeling pretty discouraged and downright negative about the economy. The news is bad, bad, bad. Last week at the two conferences I attended I heard lots of fear around money. I heard statements like…I’m afraid I’ll…

run out of money
not have enough
lose it all
never get out of debt
spend it all
never be rich

Wow.

That’s what fear does…it makes you go into survival mode and tricks you into thinking that the worst will happen. If you fall into the trap of believing the worst, you will actually MAKE it happen.

A lot of fear also came up last week because of volatility in the gold and silver market. The ‘banksters’ at the Chicago Mercantile Exchange increased gold margins by 21% and silver margins by 16%.

That means the regulators raised the equity requirements for speculators who borrowed to invest in gold and silver, causing them to have to sell gold/silver contracts and put in more money as a down payment. There was huge volatility in the price per ounce and some people who weren’t looking at the big picture were afraid they made a mistake, or it won’t go up again, or that they should have known somehow.

Are you feeling fearful about the economy? Or like you’ve been given a great buying opportunity?

I’ve been talking about waiting to buy gold and silver on the dips and between now and the end of October, I think you’ll have an amazing opportunity that will serve you if you are investing for the long-term (3 to 5 years) and have been looking for a good time to buy.

The cycles look like the middle to end of October may produce a good bottom and they could move higher from there. You might look at SGOL, PHYS, and PSLV as potential candidates to nibble at over the next few weeks.

Building wealth has a lot to do with how you think. You have to be a little creative to be a good investor because you have to think opposite of the crowd. As Warren Buffett says, “You need to be greedy when others are fearful and fearful when others are greedy.”

Buying low is about being greedy when others are fearful. Check in with yourself. Is fear coming up? What are you fearing? Can you tell? Most of the time our thoughts and fears around money are subconscious, so we don’t realize them in our conscious mind. If you are able to identify them in your conscious mind, that’s a gift because then you can work on changing your belief. If you can’t identify them, that’s ok. We can work on that over time. But…

I want you to have a new reality about money. Right now.

First, there is far more potential to build wealth than you currently believe. It’s just not going to be made in the same places it has been in the last 20 years. You must consider new opportunities for wealth building and stop looking to the old places (stocks and real estate) to recover.

Second, you can become wealthy if you value money and seek how to build wealth. If you don’t value money, you won’t ever have any. You must value it, treat it as if it’s important to you (because it is), and invest your time to understand, not fear it. That will serve you well and be money well spent.

It’s time you became wealthy. Your wealth begins in YOUR MIND. That is the foundation of all wealth. You can be a good steward of money if you want to be. There’s no better time than now to make that commitment.

As we get older, we have a lot of junk in our subconscious that just needs to go. Combine that with what’s happening financially on a planetary level and you have the makings for a personal financial crisis of epic proportions even if you’re doing pretty well. You still may feel fearful, worry about too much debt, feel bad about the price of your house decreasing, have anxiety about your 401k, etc.

It’s impossible to manifest money, or anything for that matter, when you’re fearful.

You’ve got to get your power back.

One way to do that is to explore what I’ve coined your “personal currency” – using your personal gifts and talents to serve others.You can use your passions to fulfill your purpose here on the planet. Hard financial times might be a motivator to you to change and do the things you’re meant to do rather than just work for money. Just like pressure on carbon forms a beautiful sparkly, precious diamond, so can financial pressure cause you to become more of who you’re meant to be so you can serve others with your special talents. I’d encourage you to explore that if you have an opportunity and usually the Universe will let you know, if you listen within.

Create your list of 100 gratitudes and give thanks to the Creator for all you’ve been given. We are fortunate to be here at this time and experi encing the great turn that is happening. In my opinion, the power structures of the past are breaking down and the truth is being revealed to us. We have individual power ourselves, beyond what we think. We used to give our power away to large institutions, corporations, government, etc. and now is the time to tap into our own power and see what we can do when we believe we are responsible for creating our lives. And we are.

Seek truth. Find out by exploring and learning new things. Computers and the internet now track and categorize all knowledge for us to tap into as never before. You can learn more than was possible faster than ever. Use the knowledge and resources at your fingertips to benefit your own growth so you can be the best you can be.

Be open to the fact that the future will be very different from the past. Not worse, just different. Our values are changing, our reality is changing, our depth is changing, our plane t is changing. We are changing to adapt to it all. Look for truth and knowledge so you can look ahead to the future and make it better. If you feel stuck, start moving and leave the stagnation behind. There’s unlimited opportunity now if you think in a new way. If you think like you did in the past, it will be painful.

Realize there is great possibility for a bright future ahead. Re-define your values, dreams, wishes, loves. Think with an open heart. Ask for guidance from within. We are stepping into a new age that will surpass the old. If you let it.

Here’s what’s really going on behind the scenes that you won’t hear about on TV or read in the news:

The US is transitioning from being the world’s reserve currency to not being the world’s reserve currency.

That’s huge. Since the meeting at Bretton Woods after WWII, the US dollar has been the currency that the world relies on. It’s the currency that oil is traded in. It and US Treasuries have been the safest place to store money on Earth.

What’s happening really involves the very foundation of our money. In the 2008 crisis, when Congress decided to approve TARP for $800 billion and the Federal Reserve (a group of banks, not a government agency) decided to authorize the running of the printing press (otherwise known as QE or “Quantitative Easing”) and to simply print more dollars, rather than solve the crisis, our fate was sealed. The dollar would be devalued over time, which is exactly what you’re seeing play out now.

The problem with running the printing press is, like anything else in overabundance, money loses value (ie. its purchasing power to buy foreign goods like produce, clothing, cars, etc). Even though Alan Greenspan said on TV recently, “There is zero chance the government will default because they can always print more money.” The problem is, if you take that to the extreme, the VALUE of the money will be so little, it won’t buy much. And, in the long run, eventually, the interest on the debt will overtake the ability to create money fast enough.

So what’s the solution?

In my opinion (and many others’ I’ve read), a few years from now we will have to re-boot and tie our currency to something in fixed supply (gold), so our bankers (the Fed) can’t print so much money. China, Russia, and other nations have already been preparing behind the scenes to create a basket of currencies that will replace the US dollar as the world’s reserve currency. That means huge inflation of food and energy is coming in the years ahead.

Buying gold and silver on dips will be your best bet to fight the dollar devaluation. We are nowhere near the peak and have many years to make tremendous gains from what’s coming. Goldmoney.com and JHMint.com are two of my favorite ways to buy physical gold and silver. You can also invest in SGOL or PSLV, Canadian companies that hold physical gold and silver for you in a low-cost ETF (exchange traded fund) format. Whatever you do, wake up and start buying the dips. (Don’t buy after a big run up in the price as it is very volatile).

We haven’t even begun to see how high silver and gold are going to go before this is all said and done, but only people that have foresight to start buying now will reap the big rewards. The billionaires are already buying physical gold and silver in anticipation of what’s to come, what are you waiting for?

Did you know there are only 14 self-made women billionaires out of 1,100 on the planet?
I don’t know about you, but I think it’s time we had some more! The interesting observation I had that occurred to me as I was looking at their names: Oprah Winfrey, Martha Stewart, Debbie Fields, Meg Whitman, Estee Lauder…what they did was THINK BIG.

You see, the research I’ve done on women and money has shown me many things:

1. Many women operate in SURVIVAL MODE. Instead of thinking big and asking for more from the Universe, they are actually thinking small or worse, from fear. We cannot manifest more money when we are coming from fear or thinking small because that shows we have no faith. Wealth is given to us according to our faith as to whether or not we will have it. Whether you think you will or think you won’t, you’re right! (Just like Napoleon Hill said in Think and Grow Rich!)

Did you know China has 7 self-made billionaires? When asked why they have more, the article said they THINK BIGGER!

2. A problem that research has identified is that women don’t know their worth. In a survey of men and women executives, men knew how much more of a raise to ask for, but the women didn’t. When asked why, the women responded, they didn’t know what they were worth! Wow! Now there’s a huge issue for women to overcome, that will greatly impact their wealth.

3. Many women tell me they don’t feel worthy or deserving of wealth. I’m not sure why that is, but it could be tied to spiritual beliefs (can’t be spiritual and rich) or their upbringing (nice girls don’t deal with money) or something else.
I’d love to hear your thoughts on this one!

When Martha Stewart or Debbie Fields made their fortunes, it was NOT from having the BEST IDEA. They didn’t invent some new technology like Bill Gates or Steve Jobs. They baked cookies and cooked food for heaven’s sake!

They took something basic and made it the best they could, then THOUGHT BIG and took in national and international. That’s it.

There was no genius required – I mean nothing that couldn’t have been done by you or me. It’s all how we approach money, what we BELIEVE is possible, and what action we take to make it happen!

This week, take action on something you’ve been thinking about but haven’t done anything about. Just DO SOMETHING.

Even one small step like make a phone call, research an idea, or read a book about it. Do something to TAKE ACTION on your plan for financial freedom and above all else, BELIEVE you can have what you want!