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Considering membership? Ask yourself these 2 questions first...

1) Are you where you want to be financially?
2) Do you know what you must do to get there?

Everyone needs a 'Wealth Map'.  Your map is your step-by-step plan for financial success.  It keeps you out of debt and on track to a prosperous early retirement.

So how is your plan working so far?  If it's working great, you probably don't need us.  If it's not, it's time to sit down and devise a new plan, one that...

   Takes into account how close we may be to another 1929-style stock market crash.
   Allows you to become rich in stocks even if they do drop severely.
   Teaches you safe and successful Forex trading for stay-at-home cash flow.
   Scientifically erases installment debt without the need for additional income.
   Guarantees that you will profit from the non-stop decline of the dollar.
   Does not depend on Social Security whatsoever.
   Uses gold and silver to hedge against the possibility of hyperinflation.

Sound like more than you counted on?

If so, then perhaps you owe it to yourself to check out membership in The Institute of Higher Earning. We can help you to...

Who do you trust to steer you straight?

From the Desktop of Marlena Phillips, Director of the Institute―

History may one day look back at the years to come as among the most economically turbulent since America's founding.

The impoverishing effects of decades of 'tax and spend' binging on the part of elected officials is beginning to be felt at the deepest levels of society. Congress refuses to act, therefore things are only going to get worse.

America is mired in debt and must sell $3 BILLION dollars worth of debt to foreigners each and every day just to finance the ballooning federal deficit. Yet the world has begun to shun the U.S. dollar with the consequence that the greenback is in severe decline.

The Federal Reserve is printing money like there's no tomorrow. Each new dollar added to the money supply thereby lessens the value of all other bills already in circulation. (Could this be why the Fed suddenly started hiding monthly statistics on M3, the master money supply indicator, back in March of 2006?)

Because the U.S. dollar is weakening so dramatically, the rest of the world has begun to shun the greenback in favor of euros, with country after country refusing to be paid for oil exports in dollars, the latest being Iran. (Six months after Saddam Hussein switched payment for Iraqi oil from dollars to euros the U.S. invaded Baghdad. Is Iran next?)

Billionaire Jim Rogers, one of the world's most famous private investors, recently transferred all of his investments out of U.S. dollars.

Warren Buffet, perhaps the most famous investor in the world, has begun selling dollars and buying foreign currencies for the first time in his 30-year investing career. What do they know that you don't? Is America facing a secret hyperinflation of our currency?

All of the so-called federal 'trust funds,' including the Social Security 'lock box,' have already been raided by Congress* to pay other bills, including the billion-dollar-a-day cost of the Iraq War.

Truth is, fiscal responsibility was abandoned with the birth of the welfare state, with president Franklin Roosevelt, one of history's greatest socialists, playing the role of pediatrician.

(* Did you know that Congress exempted themselves from participating in Social Security long ago? It's true. They don't need it. They've got you. Their cushy lifetime retirement plan is already in place, funded with your tax dollars.)

The Baby Boomers are just now starting to retire. Yet the Medicare, Medicaid and Social Security 'trust funds' are all bare, containing nothing but IOU's the government has written itself, promises that can only be redeemed through severely reduced benefits, dramatically higher taxes or both. These are serious problems.

Did you know that David Walker, U.S. Comptroller General, is currently crisscrossing the country, warning anyone who will listen that the sky really is falling? He's predicting financial catastrophe if things don't change soon.

Yet virtually no mention of his efforts is being made by the mainstream media. No voices of warning (and certainly no solutions) are emanating from our nation's pulpits. Public school teachers aren't allowed to discuss these things in the classroom. And the government isn't running Public Service Announcements on television to advise people how to prepare for the worst.

Is everyone either trying to cover something up, afraid to tell the truth or, sadly, just ignorant of the facts?

Well-informed individuals are well aware that America's financial debt party boat is foundering, kept barely afloat on a rising ocean of paper money.

The housing market continues to collapse with the worst yet to come.

News Flash: California just declared a financial state of emergency, and that's before thousands more Adjustable Rate Mortgages reset and the monthly payments of some Californians rise so high they'll just hand the house keys over to their banker and live in their car.

On the international level, the world's financial markets are just now feeling the blowback from a gigantic credit derivatives experiment never before attempted in all of human history.

Estimated at over $60 trillion dollars, the truth is that no one knows how big the subprime problem really is, or when it will implode. But all agree it will end badly.

What is the next giant bubble to pop? Consumer credit cards. Just wait and see. It will be on all the news channels any day now. It was just last year that the financial industry lobbied Congress so vigorously for passage of restrictive new laws making it far more difficult to discharge credit card debt in bankruptcy? Was that just another coincidence?

As as result of all this, cash-strapped Americans are asking themselves some tough questions these days, such as:

'Should I get a second job to pay off my mortgage faster, or should I pay off my credit cards first?'

'What about my investments? Is the stock market too risky right now? Would I be better off in treasuries, even though the returns I'd get wouldn't even keep pace with inflation?'

They watch the scrolling stock ticker on CNN and feel like a parade of wealth is passing them by. They listen to one expert on MSNBC contradict the next expert and wonder if anyone actually knows what they're talking about.

'Should I be in mutual funds or bonds? Maybe it wouldn't be a bad idea to pick up a copy of 'The Idiots Guide To Investing' from the local bookstore.'

'Jim Cramer is always raving about some stock or other. Why hasn't he mentioned that gold and silver are already up 400% since 2001?'

Why haven't the Dolans been talking about the recent profit explosions in uranium and emerging markets? But here's the problem with investing to 'get ahead.'

Contrary to the fudged figures the government puts out, core inflation is now running over 10% a year. If you put your money into a bank CD paying 5% interest, the actual value of those savings is actually going backwards.

It never occurs to most Americans that they can easily hold bank CD's in the stronger currencies of other countries and eliminate that problem completely. Why hasn't Suzy Orman mentioned this?

Oil is flirting with $100 a barrel. How will Americans cope with $150 a barrel oil and gasoline at $5.00 a gallon? For many Americans, the cost of commuting to work will exceed all of their payroll tax deductions combined. How will they afford to take the car out for groceries? Or pay the rest of their bills?

Should they attend a local adult education class on balancing their budget? The fact is that monetary education in America is sadly lacking. Other than some scanty, generalized coverage of economics in high school or college, the average person hasn't got a clue how our paper based money system actually operates, why it is virtually certain to impoverish them, or why the odds are high that they won't be able to fulfill their dream of an early retirement. More likely, they'll end up rolling over the retirement finish line in a wheel chair.

Things are going from bad to worse and it's time to get ready. It's time to build another ark. But not a wooden one, an ark make of gold and silver whose prices will one day soon leave the solar system.

It's time to take serious action or risk losing everything you've worked for. This is not only doable, it's easily doable, but not unless you know what to do!

At the Institute Of Higher Earning we are passionately committed to helping our members get out from under the yoke of debt and get on top of their finances, including becoming prepared for the worst the economy can hand out.

As a part of this process you can become unimaginably wealthy. But once again, you need to know how.

Which leaves us where we started, with the two simple questions we asked at the top of this page. Let's ask them again.

1. Are you where you want to be financially?
2. Do you know what you must do to get there?

If not, a good first step might be to join us as a member.

Membership levels are discussed here.
 

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