The following, CEFE believes, is critical information to your personal financial well-being. 

The opinons expressed are CEFE views exclusively. You can ignore the advise, accept the findings or do whatever motivates you to action, one way or the other. Consider, however, that you can never say you were not told and did not know.

If you have been a passive participant in what has been happening in the financial market places of the world since the Fall of '08 and have, for some reason, not seen the value of your own assets like your home drop by as much as 40%, or lost or in jeopardy of losing your job due to some government or industry cutback, or have been forced to close your business or been employed by someone who has, plus seen the value of your retirement, 401k plan, or personal investment savings plan drop by up to 50% or more, you can count yourself among the lucky 10% of Americans who have survived the so called Bush/Obama maelstrom unscathed.

However, this is not the case for most of us for most of us have been affected one way or the other, if not by ourselves then by the plight of others. Collectively, we have gotten our brains hammered. Yet, being the optimists we are,we're hopeful a recovery is not far behind. What is absurd about our very own conclusions is that we may be wanting and waiting for a very long time. Although the economy may recover, the publics recovery individually will take, in most instances twice to three times as long, if not more. Hard times await many.

The reason is simple. Investing is not rocket science. If the market rises, most of you, if not all, will not sell, hopeful the markets will go higher and you will recover all of what you perceived you lost. When it goes up even higher you will still hold on because you think it will continue to go up. The problem is that at some point it turns around and heads down. The fault does not lie with your poor timing. The problem is systemic, not isolated, and neither the fault of Bush, Obama, Wall Street, greedy politicians, mortgage bankers, the health system, schools, wars in Iraq and Afghanistan or even the grocer. Historically, markets go up and they go down. This is the blessing and sin of a free enterprise society. Sometimes the recovery can take years but in the long run, we know that the financial markets recover and go up. If you’re like me, you don’t have the time to wait for that some day. You take action.

What is going on in Washington and in fact most of the world is chaotic. There is no rhyme or reason. It just is. That is the way it has always been and that is the way it will always be. Through all of the world’s wealth shrinkage over the past year and a half, only two nations have managed to spike up in the opposite direction with such force that neither can no longer be ignored. They are Indonesia and the Peoples Republic of China, number one and two respectively. China is a nation of 1.3 billion people that is bumping along at an annual growth rate in excess of 9% and with literally full employment. So much for the soothsayers that say the planet cannot accommodate and sustain economically large populations of this magnitude. India, incidentally, is not far behind and coming on strong. When was the last time you talked with a technician from the states who helped you with your computer after you called Apple, Microsoft, or any of a hoard of other computer and support companies?

The advantage we have (you and I) unlike our “fix it at any cost” representatives in Congress is we are not beholden to special interests. In sum, we can be fast on our feet and avoid the hapless feeling of having to believe that they are telling us the truth. They will tell us whatever it takes to get elected or reelected. It’s so bad that I have even briefly flirted with the idea of running for Congress just so I would know there was one of us up their telling the truth for at least two years. But that is for another time.  What I am offering you is an opportunity to consider how you can change everything for you and it won’t take Congress or Washington to do it.

Let’s start with the one thing we all start life out with and end up sharing with our children and grandchildren.

It’s time you got some information I have known and been privy to for sometime. It is the main reason I do what I do. It’s dynamic, fluid, exciting, challenging and most of all rewarding, across the board. I have been telling people this for years but it is only now when everything is going the other way that they will pause to listen. I hope you are listening for few know how incredibly strong this industry is.

The industry is Education. And the game is building universities, not just any type of university but online universities.

What is the largest university in North America? It’s an online university.

What are the most profitable universities in the world? You got it, online universities.

What single most diversion are traditional universities doing to shore up and offset both the high cost of operation and loss from cutbacks from legislative free money? They are creating cyber schools right and left, exactly alongside their traditional school and they are splitting classroom time like crazy between online classes and in classroom in order to get twice as much use out of the same space. Why? You know the answer – to offset and cover expenses -- and, believe it or not, to be more profitable. So when administrators advise they are cutting back faculty, it is not because the school is not growing, it is because they have found a way to bring online adjuncts in to cover for half the cost what tenured professors would cost and thus absorb the loss from what the legislature refuses to give them. 

What is the percentage growth increase in students attending universities nationwide? The average is 12%. What is the online education percentage of growth? It is 20% and growing annually. It is easy to see that the 12% growth is skewed because it is impacted by the online education growth.

What industry is recession proof? Bet you can guess. Yes, it’s Education. People, who haven’t been in college in 10, 20, 30, and in many cases 40 years are finding they can learn new skills and increase their self worth by getting cross-trained in the hopes of being hired by someone. You know -- This idea really works, and it is drawing an older population to online learning like bears to honey. But, don’t leave out the youngsters. They are growing up on computers and social networking. They have learned early on they do not need a classroom to learn or to be social. For the educators who think those coming up would rather sit in their class than go to school online at their leisure are missing the boat entirely.

Where should you put your money?

Where can you get a 100% tax deduction and make up to 20% or more annually on your investment?

Don’t remain motionless. CEFE can give you three proven ways to take the bull by the horns (this bull means bullish in market lingo) and make something of it. There are two reactions we anticipate. There are those who will say “Risk, Risky and Riskier” as they see what we reveal and there are those who will perceive the same as “Safe, Safer, and Safest”. You decide. Either way, the three strategies are yours for the asking.

Email CEFE at Director@CEFE.org with the Subject: Send me strategies. Indicate your name and organization or if you represent yourself.