The 60 Minute - Knowledge Source

G E O R G E F O K A S

Discover how I stumbled upon a unique money machine system that enabled me to live the life of

my dreams and ditch the 9 to 5 rat race.

The 60 Minute Cashflow Investor

The 60 Minute Cashflow Investor© 2020 Fokas Beyond – George Fokas

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THE 60 MINUTE CASHFLOW INVESTOR

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Table of Contents

Introduction 4The Stock Market – A Brief History 6Where It All Began 7The First Bond Market 8Profit On The Share market is ‘Goblin Treasure’ 10Did Someone Say Bubble? 13The Tulip Bubble 15The South Sea Bubble 17Florida Real Estate 19The Great Depression of 1929 21The Crash of 1987 22The 1997 Asian Crisis 24The Dot Com Crash of 2000 to 2002 26The Housing Bubble And Crash 2007 - 2009 27Is The Stock Market Evil Then? 32A Classic Example of Your Stock Performance 34The Guessing Game 37Lets Understand Options - Calls And Puts 39Greed Isn’t Good Or Bad, It’s What You Do With It 41Helper or Helped? 42That Little Bit Extra 47It’s All In Your Mind- ‐Set 49Think Now, Not When 51My Dad, And Why I Never Took His Advice On Investing 53The Workplace Changed 58New Jobs, New Challenges 59Not Everyone’s An Entrepreneur 61One Hundred and Sixty Eight 63The Second Job Myth Explored 65A Lot Of Effort For… 67It Takes Money To Make Money 69Let’s Look At The Bottom Line 74Real Estate, Risk or Covered Calls? 76Who Do You Trust? 79


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Getting The Wrong Kind Of Stock Market Education 83We Will Do Nothing To Avoid Failure 84Sound Advice Finally Makes Sense 86No More Excusitis 90J.O.B. 92Some Truths About J.O.B.s 95The Four Types Of Income Earner 96Buy Yourself A J.O.B. 99Being The Boss 100I For Investor 102Part Two – How It’s Done In Detail 108You Can Lose Your Super As Well As Any Fund Manager 108Multiple Pillars Of Income 110Foreign Or Domestic? It’s A Choice 111The Well- ‐Off Don’t Fear These Four 113Education Needs To Teach Change Management 116Fear of the Unknown Makes You Risk Averse 120Are We Ready To Investigate How We Do This? 122Domestic or Foreign? 123A Bit About Fokas Beyond 128Why Does The Stock Market Exist? 129Welcome to Fokas Beyond Covered Calls 131The Stock Value Falls – Now What? 134Lets Look At An Example 135This Is Not Guessing, Gambling Or Speculating! 139Why We Trade On The US Market 142I Know, You Want To Know More! 144$35K – Better Invested On The Dow, Or In BHP? 145This Is an Income Strategy From The Stock Market 149You can’t go broke making a PROFIT! 151Time Is Not A Major Requirement 153Learn From The Trials And Errors Of Others 144Take Control Of Your Money… And Your Future 158Guess who writes the most covered calls of all? 159At Last, The Decision! 163You Can Do This! 164Take Action Now And Be Part Of The 5% 166Model What We Do And Do It Well! 168Students Stories 170


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“Those who cannot remember the past are condemned to repeat it.”

George Santayana


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Introduction

I met George Fokas by way of an introduction from a mutual

friend. George needed an Editor for his book, I needed a book to

edit. It was one of those simple yet symbiotic relationships that

happen all the time in life. You have something to sell, so you

need a buyer. I have something I need to buy, so I need a seller.

Simple.

George Fokas has a message to spread, a mission in his life to

educate as many of us who are willing to listen and apply what he

has to teach us. This book is just one medium George leverages

to get that message to where it is wanted to be heard. A book is

a great way to spread a message because it can be passed on to

others, shared around until more and more people understand

the importance of being able to provide for themselves and their

loved ones, of being able to leverage the stock market in such a

way that they can’t lose.

Nothing in life is guaranteed, except death and taxes (Benjamin

Franklin), or change. There is never a guarantee you won’t lose

money invested in stocks and shares but there are ways to lose

as little money as possible while making positive returns, and

George tells you precisely how you can do this in this book.

This book is not a ‘begin here, go to the end, then stop’ kind of

book. It is a journey that, like most journeys, will have the reader

passing through the same junctions from time to time that


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he or she has already passed through. We learn by repetition

and by travelling in a semi-circular fashion, we may cover the

same ground a few times in different ways, but we do learn.

We do remember and we can recall the lesson, which is the key

objective.

By the time you finish this book you will have a very thorough

education on how to help yourself become financially better off

through sensible investment on the stock market. You will fully

appreciate the simplicity and the beauty of the Fokas method, of

why he utilizes covered calls and goes for a modest but regular

income rather than risking it all on guessing which way the

market may or may not go. Enjoy, learn and live well.

Perry Gamsby, D.Lit., MA(Writing), Dip. Business, Dip. Marketing

Editor, StreetWise Publications


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The Stock Market – A Brief HistoryWhile everyone wants to rush off and start making money, the

wise investor will take the time to learn about the environment

they will be doing business in. We are doomed to repeat history

if we don’t know what went on before us, because most things

in life are cyclical. In others words, there is nothing new under

the sun. My approach to making money, especially utilising

covered calls, is all based on what has gone before and what will

continue to occur. I can make that statement with confidence

because history proves me right every time. To really get the

value of your education in making money, including what I

share in this book, you should invest some of your reading time

learning about the history of the stock market. If nothing else,

it will demonstrate that people have been making, and losing,

money through speculation since civilization began. My goal is

to help you become an investor, not a speculator.

By understanding what has gone before and where people

went right, and wrong, not only will you understand the market

more profoundly, you will also better appreciate the value of my

methods. You will be able to see why I do what I do and develop

more confidence in my methods and in yourself when you apply

them to your investing. The sad thing that sticks in my mind as

I write this is that people have been making the same mistakes,

often for the very same reasons, for hundreds of years.


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They are the 95% of market traders, for want of a better term,

that my concept of doing exactly the opposite of the herd prove

correct.

Where It All Began

The very first ‘stock’ markets in human history occurred whenever

two groups of early humans met and exchanged items the other

needed but didn’t already have. They would exchange food, pelts,

tools and maybe pretty stones and sea shells. Coastal dwellers

would have items to trade different from those living further

inland; groups that grazed livestock might not have access to

vegetables or dried meat, while farming people would have need

of the skins produced by hunters and so on.

Markets gradually became regular events, first at certain times

of the year such as spring, mid-summer, autumn and maybe

even a mid-winter meet, usually held in the same location. The

cross roads of two animal migration paths might have become

the very first ‘stock exchange’. At this time, goods were being

exchanged via the barter system, with traders having some

shared idea of value. Two sheep for one donkey, or whatever it

was at the time.

Around 1700BC, the Babylonians invented what today we would

call money. Their king, Hammurabi, drew up a code of laws that


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included paying interest on loans and some basic rules for the

conduct of commercial transactions. Archeologists have dug

up clay tablets from all over Mesopotamia that record interest

bearing loans, evidence of the first securities market in human

history.

It wasn’t until a millennia and a half later that we began to trade

on less tangible items. The ‘Societates Publicanorum’ were

contractors in ancient Rome who performed public services

such as cleaning and maintaining the temples, feeding the

geese on Capitoline Hill (that had warned the Romans of attack

and saved the city from Gallic invasion in 390BC) andgenerally

keeping the city habitable for all. These highly sought after public

works contracts were divided into ‘partes’, or shares and were

bought and sold, or traded, often at very high prices. Cicero, a

famous statesman and orator, records in his writings; ‘shares

that had a very high price at the time…’ This suggests they had

lessened in value, much as shares do today.

The First Bond Market

A millennia or so later, in 1171 CE, the Doge of Venice needed to

pay for the city’s wars and so all citizens were forced to loan the

government money. These loans paid5% interest per year. These

enforced loans, called the ‘prestiti’, over time, became popular

trading instruments because the Venetian government never


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missed an interest payment until 1379. This trade in ‘prestiti’

became the first bond market in history. The 1379 default came

about because the Hundred Years War between the Kings of

England and France, and the Black Death (plague) affected

investor confidence. The English and French kings reneged on

their commitments to the Italian banks, just like some Latin

American countries and others have done to the IMF.

From Roman times to medieval Italy, and well into the

Renaissance, there is evidence of share trading activity. Most

of this trading usually concerned the shipment of trade goods

on a single voyage or other similar single ventures. The first

trading companies formed in Belgium with the Hanseatic

League. Later in England and other parts of Northern Europe

other trading companies were established to share the risks and

costs of trade. In England, the late 1500s saw the formation of

the Muscovy Company for the purposes of trade with Russia,

not to mention grabbing some of the spoils from the Hanseatic

League’s then monopoly on this market. The Dutch East Indies

Company was formed in Amsterdam in 1602, to trade in the

spices of the orient. Over time, they took on the running of the

colonies there with the power of life or death over the natives.

The Hudson Bay Company, the South Seas Company and the

East India Company were formed in England around this time

and after 1693, when William of Orange introduced the banking

and stock trading ideas of the Dutch, these trading companies


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began to thrive. William restructured the English banking

system which had been devastated by the costs of waging

regular and almost constant war. It is little different today with

the US government, for example, spending trillions of tax-payer’s

dollars funding its wars in Iraq and Afghanistan. While wars are

always horrendously expensive in lives as well as money and

lost opportunities, they also generate immense wealth for those

who profit from selling the materials needed to wage war.

Profit On The Share market is ‘Goblin Treasure’

In Amsterdam, in 1688, a book all about the stock exchange was

published by a Spanish Jew called Joseph de la Vega. Written

as a conversation between a philosopher, a merchant and a

shareholder, ‘Confusion of Confusions’ exposes the many scams

and cons that were rife at that time and are still pretty common

to this day. A review by Forbes magazine said;

“You will see between its staid lines that, despite what the media

says, nothing really important has changed in the financial

markets in centuries.”

De la Vega set out Four Rules for ‘speculation’;


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‘The first rule in speculation is: Never advise anyone to buy or sell

shares. Where guessing correctly is a form of witchcraft, counsel

cannot put on airs.

The second rule: Accept both your profits and your regrets. It is

best to seize what comes to hand when it comes, and not expect

that your good fortune and the favourable circumstances will last.

The third rule: Profit on the share market is goblin treasure: at

one moment, it is carbuncles, the next it is coal; one moment

diamonds, and the next pebbles. Sometimes, they are the tears

that Aurora leaves on the sweet morning grass, at other times,

they are just tears.

The fourth rule: He who wishes to become rich through this game

must have both money and patience.’

Surely that last is just as relevant today as it was in 1688. Across

the English Channel it was relevant also. A London broker,

John Costaing, began posting lists of stock and commodity

prices outside Joanathon’s Coffee House in 1698. As heated

and aggressive as traders on the floor of the New York Stock

Exchange get today, it must have been tame in comparison to the

old Royal Exchange. Share traders set up shop in coffee houses

in Exchange Alley after being barred for being too rowdy! In the

United States, trading began just after the American Revolution

in 1790 with De la Vega’s fourth rule still as relevant to the first

stock exchange in the new republic.


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It remained relevant through the ups and downs of the

19thcentury wars, the gold rushes in America, Canada, Australia,

South Africa and elsewhere and the myriad upheavals of the

industrial revolution, right into the 20th century and the Great

Crash of 1929. It is just as relevant today.

Stock exchanges sprang up around the world, trading stocks

and securities between the members of the exchange. Stock

exchanges operated as a form of mutual organisation. In

modern times, these exchanges became listed companies in

which shares are bought and sold, just like the companies that

are listed on their boards. The Sydney stock exchange was the

first to do this in the late 1990s. Since then, some exchanges

have bought controlling shares in other exchanges, such as the

New York Stock Exchange buying out the Euronext in 2002, later

demutualizing in 2005, three years after the NASDAQ.

The one thing throughout the ever changing history of the stock

market that has remained constant has to be the chance to

make a fortune, balanced by the very real risk of losing a fortune

even faster. For most investors, the stock market is merely a

sophisticated form of gambling, a corporate casino where

fortunes are made and lost overnight. As you will see further on,

it really doesn’t have to be this way. But too often it is, and it is

because people are impatient, greedy and most relevant of all,

ignorant of how to make money safely, whether the market is

going up or down. And then there are the bubbles…


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Did Someone Say Bubble?

When investors put immense demand on a stock and the

price is driven upwards, a bubble happens. There may not be

any rational reason for the price rocketing skywards other than

simple human greed, inflating the stock far higher than the value

of the company can justify. Just like a soap bubble blown by

a child, it keeps on getting bigger and bigger until eventually

the bubble bursts. Taking the soap analogy further, the bubble

just gets bigger and bigger until you run out of soap or bubble

making liquid and off it floats before bursting, leaving nothing

but tiny droplets of soapy water. These stocks are just like the

soap bubbles now; no longer perfectly formed and full of dazzle

and colour, but just wet, sticky residue, of use to no one.

After the bubble, or boom, comes the inevitable crash, something

most people remember about the stock market long after the

bubble that brought it recedes into history. Crashes can occur

without bubbles preceding them when, for some irrational and

often inexplicable reason, every man and his dog decides they

have to sell their stocks, RIGHT NOW! People panic and take

whatever they can get for their stock, desperate to claw back

some liquidity before the price drops to nothing, or even less

than that. A market analyst once remarked, ”You can think

of the relationship between bubbles and crashes like clouds

and rain. You can have clouds without it raining, but you can’t

have rain without clouds. Historically speaking, a market crash


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has always come after a bubble, so the heavier the cloud cover

(larger the bubble), the heavier the rain storm (crash)”.

In between the bubble and the crash there is usually, what is

referred to as, a ‘correction’. This is the moment when the

market seems to come to its senses and the perceived cause

of the bubble is brought back into line, usually wiping off some

of the value of the stocks but not crashing the market entirely.

The generally accepted rule is that a correction (read that as a

loss) should not exceed 20% of the face value of the stock on

the market.

Throughout stock market history there have been several very

memorable bubbles, all of which were followed by crashes.

Investor greed is the one constant thing about these bubbles.

Greed drove the stocks to bubble in the first place, and greed

feeds the frenzy during the crash, not to mention the all too real

fear of being left behind holding an empty bag. Before you start

shaking your head, puzzled as to how our ancestors could be

so gullible, so greedy and so naïve, nothing much has changed.

Consider the recent massive bubble and crash we called the

Global Financial Crises and you’ll find that that, too, was all down

to greed. Not just greedy Wall Street types, but every day, middle

class Americans cashing in on the equity of their homes to fund

their consumption addiction for electronic goods, holidays, cars.

Paper millionaires with no idea of how to manage the potential

(and that is all it was) wealth in their homes. Many made the


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mistake of taking on far more debt than they could service, but

even still, the bad end of Wall Street was making it very easy for

people to re-finance their mortgages, liquify their asset and pile

on the debt to derive instant gratification of their wants. The only

people who won were the usual puppet masters, ‘the 1%ers’.

They are the ones who know what most don’t; how to make

money no matter if the market is going up or down and most

importantly, how to make it go in the direction they choose. They

are educated as to how the system works. The core of this book

is all about arming you with an education, with the knowledge

necessary to make this system work for you and not the other

way around.

The Tulip Bubble

Mankind has changed a lot over the eons, but in many ways we

are no different today, as far as what really motivates us, as in

centuries past. When Tulips were first imported into Holland

from Turkey in 1593, they very quickly became something of

a status symbol. This demand to be seen as having the latest

‘must-have’ item pushed the prices up. By one of those strange

quirks of fate, a non-fatal virus caused the tulips to change

colours and patterns, making them even more desirable and by

extension, more expensive. Tulips grow from bulbs so they are

robust, survive being shipped around from place to place and

are easy to trade in. This ease of transportation allowed people


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to start trading the bulbs and make ridiculously large amounts

of money doing so. By 1634 there was quite an industry in action

around the growing of bulbs with tulip professionals working the

market to ensure they had sufficient stock. As more and more

people got involved, occasionally there was enough concern

over a possible scarcity of supply to increase demand, which of

course always leads to increased prices.

This was where that greed factor came into play, along with

some human stupidity as people began to trade ever more

valuable objects for tulip bulbs. This included selling off the

family home, with many even cashing in their life savings, so as

to buy up enough bulbs to make a killing, then retire. More and

more people bought in, thinking they could offload the bulbs to

unenlightened foreigners silly enough to pay more than they had

paid for these flowers. Does this sound in any way familiar?

Eventually the insanity peaked, with the value of the already

overpriced tulips enjoying a twenty-fold increase in value in just

one month. We would still be buying tulips today, for a couple

of million bucks a bulb, if the usual bubble bursting hadn’t

happened. As with every bubble, the smarter investors soon

realised this couldn’t go on forever and so they sold while the

selling was good. As usual, more and more investors herd the

dropping of the penny and decided to cash in while the market

was so high. All of a sudden there is no scarcity as everyone

started offering their bulbs for sale, and so the market became


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saturated, followed by a flood of tulip bulbs. As always, supply

exceeding demand led to a drop in prices and not long after that,

wholesale panic set in, prices plummeted leaving people with

piles of, now worthless, tulip bulbs and no house or life savings.

In 1637, as prices began to drop and investors started to panic

sell for whatever they could get, dealers reneged on contracts

and refused to honour them. It was so dire a situation the

government did a tax-payer funded bailout, intervening in a bid to

stop the crash, offering to honour contracts at 10% of face value.

This well-intentioned government action backfired, plunging

the market even lower and making such a solution impossible

to accomplish. Everybody suffered the consequences that

followed, including those who had sold early and kept their

profits, because now everyone had to endure several years of

economic depression.

The South Sea Bubble

In the early 1700s, the economy in England was buoyant enough

to attract the middle and upper classes who had money to

invest. The East India Company was paying out large, tax-free

dividends to the 499 investors that shared the spoils from trading

(and ruling) that far off eastern land. In a similar vein, the South

Sea Company was formed to manage all trade in the Pacific and

South America. There was a commonly held misconception


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that the people in the Spanish colonies of Mexico and South

America were only too keen to swap their gold and jewels for

good English wool. Investors bought the stocks as fast as they

could be written and re-written. The South Sea Company was like

a Dot Com garage start-up, attracting considerable investment

despite the odd minor issue to contend with. The first was war

with Spain, which made trading with their colonies somewhat

problematic. The second was more damaging; incompetence.

The managers were more adept at obtaining investment capital

than spending it wisely. Entire shipments of goods were left

rotting on the wrong docks on more than enough occasions to

indicate this was a serious and systemic problem.

A Scotsman by the name of John Law was, at that time, making

a small fortune for investors in France, not to mention a much

larger one for himself and the French King, all backed by land

owned by France in America. The Mississippi Company did

very well and spurred those in England to want to share in this

wealth, hence their interest in the South Seas Company. England

was also not on the best of terms with France so it would have

been unpatriotic, to say the least, to invest in that venture. The

difference between the two companies was that Law’s company

was properly run and backed by real property, whereas the South

Sea Company was backed by promises written on paper. From

the formation of the company in 1711, it took until 1720 for the

bubble to begin to burst for the South Sea Company. While there

was a time when just about any venture could attract investors,


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it was now time for the inevitable run and crash. IPOs had been

floated for ventures that claimed to make vegetables out of

sunshine and one famous offering that advertised “A COMPANY

for carrying out an undertaking of great advantage, but nobody

to know what it is.” If that venture was floated today, it would

raise over $100,000 if it mirrored how much was thrown away

300 years earlier.

The smarter investors twigged to what was about to happen

and so they sold out and disappeared with their ‘winnings’. As

it became obvious what was going on, everyone started to sell

their stock and cut their losses. The inevitable collapse became

even more rapid and definite. To avoid complete devastation of

the British banking system, once again the government stepped

in. A law outlawing the issuing of stock certificates was enacted

and helped stabilise the banking industry until it was repealed a

century later.

Florida Real Estate

The selling of Florida real estate, that was little more than

swampland and often underwater at high tide, was the big bubble

of the early 20th century. Even Charles Ponzi himself, the man

for whom ‘Ponzi Scheme’ was coined, sold Florida swampland

but he was not the only crook that made a fortune in the mid-

1920’s. The USA had just made huge amounts of money selling


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war materiel to both sides in the Great War (at least until the USA

entered on the side of the Allies in 1917). They became richer

than any other nation at any time in our history and so were as

prosperous a nation then as the British Empire was in 1711. It

is a given fact that people with lots of money need somewhere

to spend it or speculate with it, and a lot of these people were

escaping the harsh northern winter climate for a warmer one in

Florida.

The influx of people meant the demand for housing rose

dramatically, driving demand up and so it was not long before

everyone was selling real estate and prices went through the

clouds. Land prices quadrupled in just twelve months and

saturated the market by the end of 1926. All of a sudden, there

were no more ‘greater fools’ around willing to throw the same

silly sums at real estate agents and brokers. Once more, the

smart investors or, more accurately, speculators saw that it was

time to liquify their investments, selling up and disappearing

with their profits. The rest of the crowd more or less saw the

writing on the wall at the same time and everybody was looking

for a buyer. Prices fell, then plummeted, then fell some more.

Can you see a pattern emerging here? But wait, it gets worse!


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The Great Depression of 1929

From the start of September 1929 to the end of October that

year, the stock market dropped 40%. It had never dropped

so much, so quickly before but then it continued to slide

southwards until July 1932. At this time it had lost 90% of the

value it had enjoyed in the summer of 1929. Many hard-working

middle class Americans had poured their savings into the stock

market and various stock market traded instruments as it was

seen as a ‘no-risk’ place to watch your money grow. You can’t

really blame them because since the Great War had ended, the

stock market had done nothing but rise. Year after year, nearly

a decade of them, of constant growth made speculators forget

about bubbles and crashes. It was the Jazz age of flappers and

wild parties, despite Prohibition making alcohol a contraband

commodity.

The real problem was not so much the Charles Ponzi’s of the era,

but the average investor, or speculator, and their lack of education

as to how the market really works. It was the ignorance of the

uneducated investor throwing money anywhere that seemed a

good thing, helped along by the unscrupulous manipulation of

the market by those in the know; brokers, traders, investment

bankers and so on. The market took on a life of its own, growing

at a breakneck pace and buoyed by one ridiculous scheme after

another actually paying off.


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It was as if you couldn’t lose, unless you weren’t in the market,

and nobody likes to miss out and watch their peers forge ahead

of them.

Insiders manipulated stocks, making them grow based on

rumours and ‘tip-offs’ before cashing in. This went on for several

years, but eventually there was too much going on for it to not

fall apart. Once the insiders twigged and sold their stock, the

usual thing happened and the herd of ordinary investors raced

to try and cash themselves out. The inevitable crash followed

and some felt there was no point going on and jumped out of

their office windows to their deaths. To prevent a similar crash

and depression occurring again, President Franklin D. Roosevelt

created the Securities and Exchange Commission, charged with

keeping the market and investors safe. It did a fairly decent job

for the next fifty years or so, but then tragedy, or more aptly,

greed and human nature, struck again.

The Crash of 1987

The Great Depression that followed the Wall Street Crash lasted

until the US entered the Second World War. After 1941, the stock

market resumed its climb and continued to do so (what’s known

as a ‘Bull’ or bullish market, as compared to a falling, or ‘Bear’

market) until 1987. The massive government spending on the

military, the outspending of the Soviet Bloc as a strategy to win


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the Cold War, and the growing middle class all helped to keep

the stock market vibrant. Then came the crash of 1987.

Once again, investors had failed to think about the real worth of

the companies in which they invested. The trend for companies

to produce newspeak mission statements using words like

synergy, paradigm and leverage were easier to read and accept,

rather than take the time to do their homework and find out the

company was massively in debt without a product to profit from.

The 1980s were the days of Gordon Gecko (the movie ‘Wall

Street’ gave us the meme ‘greed is good’) and it was a time

of takeover after take over. Once taken over by one company

buying a controlling stake (might be as little as just 21% of the

shares on the market), the assets of that corporate victim would

be stripped. Stock, products, patents, research, pension fund

cash and real estate holdings were sold off with the proceeds

divided up as dividends to share holders. The shell of a once

prosperous enterprise that was left was then sold off to some

other corporate raider. The staff were left in limbo, wondering

if they had a job to come to next Monday morning. Creditors

and suppliers would rarely be paid what was owed to them.

The gutted company would be placed into liquidation and the

hands of the receivers who would take what little remained for

their fees. Not that any of these consequences ever pricked the

consciences of the corporate raiders who would use a string of

holding companies to form a barrier to any liability lawsuit.


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Investing in corporate raiders was a sure-fire way to make quick

money, until the crash would begin. The first inkling was usually

the SEC investigating claims of insider trading, the selling of junk

bonds and other worthless products, thrown together as a way

to cash in on some of the assets of a taken over company. As

the market lost confidence, investors started to sell off and cash

themselves up. It was the same story all over again, but it wasn’t

going to be the last time.

The 1997 Asian Crisis

Back as far as 1989 the fallout from the 1987 crash gave a shove

to the Asian market, pushing it into the same yawning cavern

of looming disaster. At the time, the Japanese enjoyed a well

earned reputation for imitation and more often improvement, as

well as being able to run very profitable corporations. When it

came to the stock market, they took the bull by the horns and

refused to let go, even if the rest of the world was getting mauled

by the bear.

Recovering from WW2 gave the Japanese a goal, and they

chased it with the kind of zeal they are renowned for. In the 1970s

and 80s ‘Japan Inc.’ was the business model and people all over

the world were reading four hundred year old sword fighting

texts like Mushashi Miyamoto’s “Go Rin No Sho” (or “Book Of

Five Rings”) to get some insight into the Japanese success


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story and sending executives to Japan to study their methods.

Between 1955 and 1990 Japanese of all ages jumped into trading

and it became something of a national sport, with land prices

rising to 70 times their starting price and stocks increasing over

100 times what they had once been. It seemed even the average

man and woman in the street embraced the stock market more

completely than the Americans had prior to 1929. To some

outside observers it was clear the Japanese economy was a

gigantic bubble just waiting to pop.

When the bubble did finally burst it was believed the government’s

very close monitoring of the market would fix any problems.

Sadly, as had happened before in centuries past, when the

government did intervene it made the situation much worse.

Before long, the other ‘Asian Tigers’ suffered their own crashes,

and in 1997 the stock markets of Thailand, Taiwan, Singapore,

Malaysia, the Philippines, South Korea and Japan all suffered

major drops in value. Not long after this, China decided to join

the 20th century, just in time for the 21st.

“I don’t go to Wall Street for the deals, because that’s not where

they are!” – Warren Buffett


26

The Dot Com Crash of 2000 to 2002

Back in the USA, the NASDAQ Composite index lost 78% of

its value, falling from 5046.86 to 1114.11 from March 2000

to October 2002. Firms in Silicon Valley took the brunt of the

hammering with just about all connected to online enterprises

and startups, hence the title ‘Dot Com Crash’. A lot of the blame

can be placed squarely on the shoulders of the market itself for

the speed in which the bubble grew.

It was in 1995 that the ‘Information Superhighway’ and the

Internet really took off. Anyone with anything to do with young

geeks and a garage had money thrown at them by investors

eager to cash in on the ground floor of the next Hewlett Packard,

Microsoft or Apple. Information technology, or IT, was the word

buzzing around every stock broker bar in Lower Manhattan;

paradigm, internet, online, consumer-driven navigation, tailored

web experience and networking all had investors all too eager

to invest, pouring millions into IPOs without any thought to the

value of the product or company. Young men in their teens and

early twenties were becoming ‘siliconaires’, appearing on current

affairs programs and buying up expensive real estate, flash cars

and expensive toy after expensive toy. There were 457 IPOs in

1999 alone, some 117 of which doubled in price on their first

day of trading.


27

By 2001 the novelty had worn off because so many of these next

great sure things simply failed to produce any actual revenue.

That year there were just 76 IPOs, none of which came close to

doubling their stock price on their first day of trading.

The simplest explanation for the Dot Com bubble and crash is

summed up in four words: too much, too fast. The market went

crazy just as it had with tulips, foreign trading ventures to South

America and swampland in Florida. This time it was technology.

Once again, human greed took over. It is one thing to throw

money into an IPO but if that company then fails to make any

revenue, the value of that stock drops because the company

isn’t worth the price asked. That happens to all companies and

all asset classes, even those they always swear can never lose

value… like real estate.

The Housing Bubble And Crash 2007 - 2009

In October of 2007, the S&P 500 showed a high of 1576. Eighteen

months or so later, in March of 2009 it had declined by 57%

to just 676. The S&P 500 is the market that, like the NASDAQ

Composite and its focus on technology, looks closely at the US

real estate market and is the best indicator of market trends

and health. One thing leads to another and the Dot Com crash

created a recession which caused the Federal Reserve to keep

interest rates at an all time low for an extended period of time


28

leading to a glut of savings around the world. Savings need to

be invested somewhere, so a lot of people started buying bricks

and mortar, real property. House values never go down, right?

Nothing is as safe and solid as bricks and mortar, yes? This

was the thinking at that time and still is for many people today,

but events before, then and since, have certainly cast a fair few

doubts on this ‘fact’.

As the demand for property grew, so did the prices asked and the

values placed on these properties climbed accordingly. People

were encouraged, even exhorted by the advertising of finance

corporations to draw on the equity in their homes and take out

loans and credit cards, go on overseas holidays, buy new cars,

go on spending sprees, and why not?

It was all backed by the value of your ever increasing in value

home. It just went on and on.

Banks were loaning money to anyone and everyone, and new

instruments and products were invented that cashed in on the

advances in the calculating capabilities of computers. These

enhanced capabilities allowed financiers to create fund products

that had varying levels, or tranches, of security.

They could sell off a portion of a property to one person at one

level and another portion of the same property to another at a

different level. The new algorithms investment bankers used

to calculate ever more complex investment products allowed


29

a lot of the mortgage market to be converted into AAA rated

securities and sold on, then resold and resold again. Each time

the banks made commission and profits. Once the market

became saturated and there was nobody left to pay the ridiculous

prices asked for houses for sale, that meant there were no new

mortgages being written and so the collapse began.

It was a recipe for disaster, for the speculators but of course, not

for the smart investors who knew either to stay away, or when

to cash out.

Yet again, it got to the point where the market ran out of bigger

and bigger fools to keep buying up everything on offer. Major

banks went bankrupt, industry giants called in their favours and

campaign contributions and got the tax payer to bail them out.

The rest is (recent) history. Sadly, many hundreds of thousands

of Americans lost their homes, their jobs and their futures.

This was not deserved or due to their own greed, but rather the

greed of people who are now once again back at their desks

making money and deciding whether to holiday in Paris or go to

Bermuda again.

If the people who lost virtually everything had been properly

educated in the smart way to invest and make money, they

would be even better off today than before, despite the crash.


30

The number of people that lost money in all these crashes is

too big to mention and we all remember these crashes. Very

few understand and acknowledge that where there is a crash,

there will also be a boom. If those people continued to stay

in the market during these crashes, they would be extremely

wealthy individuals right now. The sad part is, we humans tend

to remember the bad, and not the good. In between all these

crashes was boom and those who sat on the side lines missed

it. Most who lost during these crashes and pulled out of the

market due to lack of knowledge and patience, left bleeding and

wounded never to return again. We need to remember that with

doom, there is boom.

To quote the Spanish philosopher, George Santayana, “Those

who cannot remember the past are condemned to repeat it.”


31

“I achieved a profit of USD$15,305 in just 8 MONTHS - R.O.I. 19.28%!”

My name is Greg and I joined the Fokas Beyond community in March 2016.

I was looking for an opportunity to create more income and eventually replace my day job income.

I began with my virtual trading account in March 2016 and by the beginning of August 2016 was ready to place my first live trade.

I opened my account with USD$20,000 and after 12 months following the education and strategies provided by Fokas Beyond I had a ROI (return on investment) of 14% - USD$2,800.

After results like that I decided to setup a Self-Managed Super Fund to give me access to a larger pool of money to invest with.

I opened my Super Account with USD$79,341 in July 2017 and placed my first trade in August 2017.

My balance 8 months later is USD$94,646.

That’s a profit of USD$15,305 in 8 months - ROI 19.28%

This month’s trades, I had an account balance beginning of month USD$90,880.78 and my balance end of month USD$94,646.04 money back in my account.

That’s a profit for the month of USD$3792.95 and an ROI of 4.17% for 1 MONTH!

I am thrilled with the strategy, education and the invaluable Coaches. I always learn something on the Coaches calls and the Boot Camps.

Thanks George and Thanks Fokas Beyond Team.

regards,

Greg


32

Is The Stock Market Evil Then?No, of course the stock market isn’t evil. The intentions of some

who exploit the market for their own ends might be considered

in the evil category, but not the market itself. The stock market

is merely a vehicle which anyone can use to make (or lose)

money. It is a means of transportation and, like other forms of

transportation, you have a choice. You can walk, catch a bus,

take a taxi, drive your own car, use the train, fly or hop on a ferry.

You choose the most appropriate method of transportation,

commensurate with your means, to get you from A to B.

The stock market is no different so long as you don’t try to

‘game’ the system. Get greedy and swallow the false promises

of those who only make money when you spend yours and you

will quickly find the car will break down, the plane will crash or

the ferry will sink. Get an education so you can decide which

mode of transportation will get you where you want to go in

comfort and safety and you will be fine.


33

Turn your pain into financial gain.

100 year chart – Dow Jones

As you can see the Dow Jones since 1900 – 2014 has been up

trending and with swings in between it is still heading north.

Now that you have read something of the history of the stock

market and the bubbles and crashes, pause and reflect what it

is exactly you are hoping to achieve with your own involvement

in the market? If it is mega returns on your money invested,

especially overnight or within a few weeks, then you are reading

the wrong book.


34

The preceding chapter should have convinced you that, while

the majority of people who buy and sell shares and trade on the

market do so to make spectacular gains over relatively short

periods of time, the very same majority usually lose most if not

all of their investment, and sometimes even more besides.

You do not want to be one of those people. Nor can you be

one of the few who make fortunes whether the market rises or

falls because they have manipulated the whole thing to their

advantage. But you can make a decent living from investing

through the smart application of strategies such as covered

calls, and you can do it over a long period of time, along with any

market conditions.

“Compounding is mankind’s greatest invention because it allows

for the reliable, systematic accumulation of wealth.” – Albert

Einstein

Just as with the secret of compound interest on a deposit

being time, so too with the share market. If we look closely at

the charts, we see peaks and troughs; rises and falls, often on

a daily basis. At some time this year you will see at least one

headline claiming ‘Billions wiped off the Stock Market’. There will

be a sad story detailing how in one horrifying afternoon the value

of shares plummeted umpteen billion dollars. If you owned a

million dollars worth of Stock X in the morning, it is worth just

$3000 this afternoon! Oh no! We’re ruined! Not so.


35

A Classic Example of Your Stock Performance

If you bought the X stock at say $1 a share and you invested

$10,000; you would own 10,000 shares of X. Over the next

however long the market rises and the price of the shares

increases to $100 each. Your 10,000 shares are now worth

$1,000,000. If you sold them at that price you would make

$990,000, less any taxes due and brokerage fees payable. You

turned ten grand into a million bucks. Well done. Now wake up

and stop dreaming.

The likelihood of this happening is rare, but not impossible.

Plenty of stocks have increased more than 100 times their

opening price; it’s the stuff that fuels the bubble legends after all.

Let’s return to the ‘billions wiped off the stock market’ headline.

Say you didn’t sell. You decided to hang on to your portfolio of

X. A bad day of trading, influenced by the US backing Israel over

something in the Middle East, Russia demanding a former Soviet

Republic pay what they owe for gas supplies, US raising interest

rates and pulling back from Quantitative easing, and a major

global corporation buying out another in Asia and the market is

‘jittery’. People start to sell, and before you know it there is a run

on and everyone is selling whatever they can to try and cash up.

Your X stock is hit hard and slides to $50 a share.


36

Your million dollar portfolio is now worth just half, $500,000. You

are still way ahead, but you panic and sell of some of your stock,

which makes other people panic and they sell, and just after you

can get rid of half what you hold, the stock has plummeted to

just $2 a share. You sold 5,000 shares at $30, the best you could

get anyone to pay for them. You still hold 5,000 shares but they

are worth only $10,000. You look at the $150,000 you made

selling half your portfolio and weep. You weep because you had

plans to cash in those 5,000 shares when they were worth $100

each and buy a retirement home. Now you can barely afford a

Time Share on the Gold Coast.

The problem is not the money you made or the money you failed

to make (you can’t have lost it as you still have your original

$10,000) but how you look at the whole investing thing. Attitude

and mindset make all the difference. Too many in this position

will lament the loss of hundreds of thousands of dollars… dollars

they never had. The stock was worth that amount of money, for

a time. In reality, stock is only worth what someone is willing to

pay for it. You paid $1 a share, so one might argue that is what

it is worth; to you. You sold 5,000 shares at $30 a pop, that’s a

huge gain. The buyer thought the stock was worth that, hence

they bought, and in real terms you are lucky to find anyone

paying for stock that has already dropped $70, but those figures

are just for illustration purposes, anyway.


37

The more likely scenario would have been you being unable to

sell a share to anyone until the market bottomed out at wherever

it was going to end; in our case at $2. You could have sold your

5,000 shares then and made your investment back, plus still have

$10,000 worth of stock just waiting for the next day’s trading.

The next day there is just as much chance the stock will rise as

it will fall. 50/50 to be precise. It could stay where it is, which is

the third option, but generally it will go up or down, but you won’t

know which way until it starts to move.

The Guessing Game

I could jump in at this point and offer to sell you a crystal ball,

imported by a Romanian neighbour of mine whose sister lives

next door to genuine gypsies in Bucharest. Or, how about a high-

tech smart phone app that predicts market trends based on

algorithms and the square root of Pi… but neither ‘tool’ would

be worth what I could get from you for them. There is no way

to accurately predict which way the market will go. Yes, you can

make an educated guess based on all sorts of factors, experience

and what have you, but nothing is guaranteed. Nothing is, or can

be, a 100% sure thing.


38

Investing on the stock market is a guessing game. You can look

at the ‘form’ of stocks over the past however long they have

been traded and get some idea of how they might perform in the

future, but you can’t predict with any surety how they actually

will behave. Nobody can. Most especially, anyone who makes

their living selling people the lie that they can predict the market;

whether through training, consultation, a software program or

any other means or method. It can’t be done.

The worst part of the Guessing Game is the bit where people

speculate with Calls and Puts and buy Options based on how

they hope or wish the stock will perform. We will cover this in

more detail later however for now, know that there are two sides

to the Options market. For the buyer of an Option to acquire it,

there has to be a writer of the Option who creates it and then

sells it to the buyer. Buyers are speculators, guessing and

gambling in the hope they get the direction right. Writers create

Options, sell them, open their positions on the stock market with

a Credit, earning income irrespective of whether the market or

the Option goes up or down. We covered call investors use the

stock market as a vehicle to earn income from it, every month

irrespective of market direction, just like property investors

use the property market as a vehicle to earn income,(rental)

irrespective of whether the property goes up, down or sideways

in value.


39

Lets Understand Options - Calls And Puts

A Call option (or just ‘call’) is a standardized contract that gives

the buyer/holder the right, but not the obligation, to buy 100

shares of stock that are subject to the option (the ‘underlying

stock’) at a pre-determined price (the ‘exercise’ or ‘strike’ price)

for a set period of time (expiry month). In other words, for us

covered call investors, we are selling someone else the right to

buy our stock at a set price by a certain time.

A Put option (or just ‘put’) is a standardized contract that gives

the buyer/holder the right, but not the obligation, to sell 100

shares of stock that are subject to the option (the ‘underlying

stock’) at a pre- determined price (the ‘exercise’ or ‘strike’ price)

for a set period of time (expiry month). In other words, you are

selling someone else the right to buy your stock at a set price

by a certain time if the stock drops below the set price on or

before the expiry date.

If they buy a 35 October Call Option for X, then they can buy the

share for $35 anytime before the contract expiry date (being the

third Friday in October). If the share price goes above $35 then

they can buy it for $35 and they make a profit. If it doesn’t then

they just paid for an option they won’t exercise because why buy

the share at $35 if it is available on the open market for less?


40

A Put Option means they believe the share price is falling or

will fall so they buy say a 35 October Put Option for X. If the

share price falls below this $35, then they can sell the shares

to the investor who sold them the option for $35, even though

the share is not worth that on the open market. Of course these

options are traded themselves, being bought and sold many

times before they reach the expiry date.

The people who own the stock can become writers of options,

what we call market makers. Therefore the stock people own that

is optioned are paid for the option, the exclusive ‘first dibs’ on that

stock, bought by the option buyer as either a Call or a Put. Now

we look at the other side of the option, the creating side. We as

market makers open our positions with a credit, earning income

for the month on our stock capital no matter what happens on

the market with the stock. The buyer on the other hand takes on

the risk, outlaying money, opening their positions with a debit,

waiting in anticipation that they have predicted the direction of

the market correctly in the hope to make money. This puts the

risk of the option to the buyer. They hold an option that decays in

value and will expire by the end of the contract period unless they

exercise the right or on-sell it. It all depends on what happens to

the value or price of the stock over the month the option is in

force. Covered calls protect the stock holder so regardless of

whether the price goes up or down,they make their money and

have no exposure to the vagaries of the market. They also don’t

need a crystal ball or a snappy App.


41

Before we explore covered calls in detail, let’s examine why

people mostly ignore this safe, proven way of investing and

prefer to gamble with options and penny stocks, day trading and

all the other easy ways to lose your investment. Basically, it gets

back to that most human of human natures, greed.

Greed Isn’t Good Or Bad, It’s What You Do With It

Greed is one of the driving forces of human nature. It is present in

all of us to some extent and in varying aspects. We are all greedy

to an extent about something, and greed is not necessarily a

negative thing. It is, as with everything, what you do with it

that counts. How you apply your natural greed makes all the

difference. Some of us are greedy for a better world and do all

we can to help others while making sure we don’t do any harm,

or at least as little harm as possible.

Greed is a relative of ambition, which in turn knows determination,

motivation and persistence. Some people are ambitious in ways

that are self-centred and all about what’s in it for them. Others

are altruistic and do what they do for the good of others. Most

of us are somewhere in between. We neither have the ambition

to be in power like a prime ministerial hopeful, nor do we want to

save the world and live in a Third World drain pipe while helping

the sick.


42

Moderation is the key, and there is nothing wrong with being

ambitious, or even greedy for success and improvement… so

long as you achieve your goals ethically, morally and without

harming others.

Helper or Helped?

One of the really cool things about making a good living the

way I do is that I have plenty of free time to devote to altruistic

projects. I love helping other people and I would say most of us

feel the same way. The English actor and commentator, Stephen

Fry, asked the question;

“Which would you rather be. Someone asking for help or the

person able to give it?”

The answer is obvious, surely? The person giving the help is a far

better position to be in than one having to ask for help. I’m not

saying you should never ask for help when it is needed, not at all.

What I am saying is I agree with Stephen Fry. It is far better to be

the person who is in a position to be asked to help, to be able to

offer their assistance.

One of the motivators behind writing this book is my personal

objective of spreading financial education as far and as wide as

I can. One way to spread the word is through a book.


43

A book has a certain gravitas, or weight, value, credibility that

other media may lack to some people’s minds. That it is printed

and bound, published and distributed, and made available for

the world to read does indeed give the information within some

weight. If that information is valid and has veracity and the reader

applies the lessons within, then it will have made a worthwhile

contribution not only to the individual reader but also to their

family, friends and society as a whole.

The results of my members and, seeing average, ordinary people

applying the concept that we educate them with and building

another pillar of income and at times replacing their income,

inspires me to continue on my path. On a daily basis I receive

emails and texts from my members thanking me and my team

for what we are doing, and this is rewarding.

Being able to generate an income through educated investing

means that you are in a position to be the one who can help, not

the one needing help. When you have to drag yourself to work

everyday to do your J.O.B., when you are living pay day to pay

day and the threat of you or your spouse being laid off keeps you

awake at night; you are lucky if you can help yourself let alone

anyone else.

Getting back to greed, the one thing that often stops any of us

from achieving what we want to in life is ourselves and our own

limitations, fears and negativity. If you think you can’t do what I

do to make a living, then you are correct. One hundred percent


44

spot on. If you think you can learn how to do what I do and then

give it your best shot, you are correct. One hundred percent spot

on. Your perception is your reality and if you tell yourself you

can’t then you can’t… how could you not? If you tell yourself you

can then you can, or at the very least you will give it your best

attempt to make it happen.

Too often we build barriers and hurdles for ourselves that we

should never have made. We tend to think that if we believe in

ourselves then we are being selfish and egotistical and in effect

greedy, putting ourselves before others. The reality is if we are

unable to help ourselves then we can’t help anyone else, so a

little ‘greed’, ‘selfishness’ or what have you, isn’t such a bad thing.

Get greedy for success, but not for success at any cost and at

the expense of your loved ones, friends, family, colleagues and

community.

How many people have dreams, visions and goals that they

strive towards and have ideas they want to pursue only to

discuss these with family, loved ones, neighbours or work

colleagues who deflate them; as opposed to telling them to

push their boundaries, live their dreams, pursue their goals? One

of my key sayings when I teach around the world is: “Don’t allow

other people’s opinions become your reality.” See, if those people

who bring you down with their opinions have not done what you

want to do, then it is purely an opinion.


45

“My investment has doubled in value – that’s roughly 25% per annum for the past 4 years!”

Hi Fokas Beyond Family,

I’m Roxane, I’ve been with Fokas Beyond since 2013 (end of the year). I decided to join the Fokas team because I was excited by the concept of solid growth with better than bank returns.

I was sceptical and held myself in reserve, but George had an honesty that I trusted.

I didn’t have much at the time and I took a punt with the little that I had.George even personally helped me over some doubts I was experiencing. <3

After a recent email from George with a challenge to be bold and step-up, and after having tested George’s tried and true methods I decided to take that leap.

My initial personal investment was $10,000 AUD which has doubled in value ($8,000USD to $16,000USD) – that’s roughly 25% per annum for the past 4 years!

When the email arrived asking us to step-up, I thought hard and decided that 2018 is going to be my year.

I had $100,000 that was sitting in an offset account earning around 6% pa but I knew can earn better with Fokas Beyond.

So, I moved $90,000 into a trust account under Fokas (keeping $10,000 at home in reserve “just in case...”).


46

For my first month, I’ve made 4 trades – 1 weekly and 3 monthly trades.

The result is that my $90,000 AUD has grown by at least $2,000AUD.

That’s roughly a ROI of 2% for ONE month! Which is as close to 25% for the year as you can get.

Thank you, George for showing me a better way to grow my money.

The effect is that I have breathing space within my financial situation. I have gained a new-found sense of freedom.

I’ve tested the process with personal funds that I could afford to lose but which in fact have doubled.

I’m planning to wait for the capital to double itself in 4 years, then pay back the initial capital into the offset account.

At the same time, I’ll use some of the growth to pay down the loan against which this money was drawn. I’m expecting the loan to be licked in no time.

Kind regards,

Roxane


47

That Little Bit ExtraImagine what you could do for your family if you could make one

hundred dollars a month extra. $1,200 a year would cover the

Christmas splurge, pay for a nice family vacation somewhere

not too distant or guarantee the car rego is covered for another

year. Just a bit more, say

$250 a month on top of what you make now, multiply that by

12 months and you have $3,000. What could you do with three

grand were it to fall from the pages of this book right this instant?

Three thousand dollars to do with as you please.

Now imagine if you made ten times that amount. $30,000 every

year on top of what you already bring home; all for working

literally a few minutes a month. There is no reason that number

can’t be $300,000 or $3,000,000. It all depends on how much

you invest because the return will be pretty much the same, and

pretty modest percentage-wise but it will be there, every month.

That extra $3,000 a year, or $30,000 or however much it becomes,

is what will make the difference between you being someone

who can help themselves and others, or someone who is in

need of help. Helper or helped? If you invested $10,000 in stocks

and made 1% per month using what you will learn within these

pages, that is $100 a month, or $1,200 a year. 12% return on

investment (ROI) is pretty good and we will explore these figures

in more detail further on.


48

For now, just consider that 12% and remember that is not a

‘greedy’ number but a very modest, achievable one.

You only ever grow as a human being if you’re outside your

comfort zone.

If I take $10,000 and put it in a cash deposit (CD) I am lucky

to make 5% at the moment, give or take. That would require

me tying that money up for 6 or 12 months. At the end of the

year I would have $10,500, a ROI of just $500. I could roll it over

for another year and providing I can still achieve 5%, after 24

months in total my $10,000 will have become $11,025. My stock

portfolio on the other hand would have generated $2,400 in

income (less brokerage fees of course, but for now let’s keep it

simple) and I would still have the stock. If I bought 10,000 shares

in X at $1 a share and they were still worth the same, I would

have $10,000 of X. If the stock had dropped in price to say $0.90,

then I would have $9,000 of X plus the $2,400 I made, and the

total would be $11,400. As we have seen, there is every chance

the stock could be up at the time I do my ‘sums’ and each share

might be worth $1.10. Now my portfolio is worth $11,000 plus

the $2,400 I made over the two years.

The only time I will lose money in real terms is if I sell the stock

for less than what I paid for it, and why would I do that? If the

stock falls to $0.01 a share, then on paper it is worth $10.00. But

unless I desperately need that ten bucks right now, why would I

sell my stock?


49

There is no loss until you sell as the stock owner physically owns

the tangible asset.

It’s All In Your Mind-Set

You cannot expect victory and plan for defeat.

It really is all in your mindset. If you believe the ‘autistic

economics’ we are pedaled through the mainstream media and

various institutions of allegedly higher learning, the way to make

money on the stock market is to buy and sell stocks, options,

securities, futures and so on. Sure, but where does it say you

have to sell at a loss just because the stock price is lower than it

was when you bought it?

When you purchase an investment property and you find within

the year that property to be worth less, do you sell it? No you

don’t. You are still earning income off that property irrespective

of its current value, whether higher or lower.

Unless you buy the first stock you see or you fall into the clutches

of an unscrupulous broker who advises you to buy what he

makes the most commission from, you should be able to buy

stock that will hang around and enjoy growth, year on year.

Modest growth certainly, but steady, year on year growth or, at

worst, no fall in value not soon offset by a return to par. I will tell

you which stocks fit these criteria and how to choose them. You

become educated, then you don’t need to rely on others.


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It is not rocket science but it does take a little education in what

to look for in a good stock to buy and hold. Buy. And hold. Not

buy and sell, not day trade the penny dreadfuls or spend your life

online watching the markets and getting ulcers and high blood

pressure. None of that.

Select good stock, buy it for whatever the price is at the time

you want in to the market, then hold it and leverage it through

covered calls to make steady, reliable income each and every

month. Take a look at the chart and see how the stock market

has climbed steadily over the past100 or so years. Sure there

have been some drops and even plummets, but overall the

direction of change has always been upwards. I would be so

bold as to say it always will be, overall, upwards. That is the

nature of the market, the economy, the world and human nature.

I can remember when I was a kid and a can of soft drink was

fifty cents. You could buy it by the carton in the supermarket for

half that per can. The retail price charged in the milk bars took

into account the refrigeration and the fact the shop was selling

cans one by one. They needed a mark-up to provide them with a

profit. If you didn’t want to pay the retail price you could buy it for

half at the supermarket, but you had to buy two dozen cans at a

time to enjoy the cheaper, ‘wholesale’ price. So instead of paying

fifty cents for one can, you were paying $6 for 24. A huge saving

provided you had the six bucks, needed the extra cans of drink

and had the means to store and cool them.


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If you were out and about and just wanted a drink to go with your

pie for lunch, buying an entire carton of warm soft drink was not

a good solution.

Dow Jones 1988 – 2014

The same can be said for waiting until the stock you want to buy

has dropped to some, for whatever reason, acceptable price to

you. You could be waiting a long time, even forever. If it doesn’t

fall but keeps going up then you will kick yourself for not having

bought in way back when. Not only that, all the time you sit and

watch and wait and hope the price will drop, the stock is not out

there as a covered call making you money.

Think Now, Not When

Think ‘now’, not ‘when’. Just as those cans of soft drink are now

retailing at $2.50, I can still buy a carton of warm ones for a lot

less per can but they still need refrigerating and carrying home


52

and all the rest. If I had bought 1,000 shares in Apple way back

when, if I had bought gold when it rocketed to US$900 an ounce,

if I had… If has no place in sensible investing. If is a gambler’s

word, a speculator’s word.

Choose your stocks now and buy them now. Get them out there

and making money for you from now. Not from next month

or when the price falls to whatever, or if this happens or that

occurs. Now. The reality is the stock will eventually go up and

cost more to buy then than it does now, so why wait? If you pick

a stock and wait and it does go down, what does that say about

your choice of stock?

Either it is a temporary drop and will soon recover, or it is on

its way out and you shouldn’t have bought the stock in the first

place. This usually occurs when investors get too clever and try

to discover, single-handedly, the next ‘sure thing’. Far better to

jump on the same wagon everyone else is riding and have been

for decades, where there is a good history of solid performance.

What they call ‘blue-chip’ stocks.

So read on and learn about why I chose to obtain the education I

am about to share with you. I will tell you precisely why I do what

I do and why I do it this way, and you will understand the rational

behind my method. I am sure once you learn a little more about

me and what has driven me to get to where I am today you will

feel more confident in reading on and learning my method.


53

Hopefully by the end of the book you will be confident enough to

actually apply the lessons taught.

My Dad, And Why I Never Took His Advice On Investing

Growing up, I never got to see my father. Dad came to Australia

after World War 2 as a young, single man from Greece. He met

my mother and they married, had a family and he worked to

provide for them. He worked hard, darned hard. For as long as

I can remember he would work a 12-hour shift. He would get

up at three in the morning, catch two trains and two busses to

start at 6 a.m. He would then work a 12-hour shift, finishing at 6

p.m., then catch two trains and two busses to come home, have

dinner, go to sleep, and do it all again the next day. He did this six

days a week. On the seventh day, he slept, as one might imagine

someone who worked so physically hard would do. Growing up,

all I knew was my mother. I had my mother with me all day as a

young kid, then before and after school when I was older. See, in

those days the man of the house was always out, working hard,

the mother was at home, also working hard. Hard work. That

was the mentality.

My parents had very limited English and absolutely no idea of

making a living any way other than through hard work, usually

for wages because that was ‘secure’.


54

They knew people made a good living being in a small business

but that was also potentially risky as you could go out of business.

But, if you worked for a big company or the government, and you

worked hard and were a good employee, then you were safe,

your job was secure. That was how it was for them and they

certainly lived up to their side of the bargain.

Today we know nothing is ‘secure’ and no job, not even a public

service position, is guaranteed. The old days of going to work

the day after leaving school and staying with the same employer

for the next fifty years,then retiring to live off the pension have

long gone. Nobody expects a ‘job for life’ these days, not even

Japanese ‘salary men’. My parents knew no different, it was how

they had been brought up. It was how their parents had been

brought up and their parents before them. For centuries, nothing

much had changed since the Industrial Revolution got people off

the farms and into the factories in the city. Even those coming

from remote rural areas or idyllic Greek islands knew that if you

wanted to succeed in life then you had to work hard. You had to

exchange your sweat and time for wages. You didn’t argue with

the boss or the owner, you were grateful they were giving you a

job and you showed that gratitude by working yourself to death

for them.

As I write this, our Treasurer is pushing to raise the retirement

age to 70.


55

If you spent every working day of your life sitting in a plush chair

in an airconditioned office, 70 might seem a reasonable age to

stop work and retire on the aged pension. But for those who

work outside, physical workers, it is ridiculous to expect them

to keep up with workmates half their age or younger, and not

everyone wants to move into a management role, even if they

are qualified and capable. What are those people going to do?

Will they make it to 70 or literally drop dead in the traces at work,

struggling to get old enough to take a well deserved rest?


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“I am more than happy to replace 9 hours of work/day with 10 minutes of screening my trades and updating my spreadsheet. ”

I came along to your presentation in Oct 2016. It was actually my husband who wanted to come but he was working overseas at the time, so I came as proxy.

Just to listen to you, without making financial decisions on my own.

“He is good, I like him - we might sign up some time in the future”, my hubby said.

So I was sitting there on a cold, rainy evening, listening to you, and things started resonating with me:

FOKAS! Focus on your goal , on where you want to go and what you want to achieve in life; the quality of life you want to have without being a slave to investment properties or even worse, risking great amounts of money into various get rich schemes, while balancing a JOB.

FOKAS, I thought! Focus on one investment approach that has proven to work, and that works if you apply it consistently without the need to put a big effort or a dozen hours per week to learn the skills.

That evening I made the decision to trust my instinct , my eyes and my logic, too. You see, we have a rule at home not to make financial decisions without consulting each other.

Guess what? I broke the rule! I thought - yep, sometime in the future we might join. But why wait? Why not act NOW?

Time is my most precious commodity.


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If I want to get a return soon, I’d better invest right now!

Was it a wise decision? Yes! (Hubby concurs).

Five months after we started live trading (we paper traded until April 2017), we got back my original investment –

TWO and a half times!

Working in a team (with your directions, with the coaches and office support) has helped us move steadily onwards and upwards.

So I am very pleased to share our results, which we see as humble this month (because we have been spoilt with some amazing percentage returns in some of the past 5 months) .

Does it give me a great satisfaction to look at our trading account? Yes.

Do I feel like I can trust the system and coaches’ advice - absolutely!

Below are our results for the month of October:

$546.00 1.82% in 15 days $1,390.00 3.26% in 10 days $819.00 2.48% in 4 days $1,200.00 4.50% in 31 days

And by the way, my vision for the near future is to replace my JOB income with my trading income. I am more than happy to replace 9 hours of work/day with 10 minutes of screening my trades and updating my spreadsheet.

What do you think?

With gratitude,

Elena


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The Workplace ChangedWhen did things change? Our society is changing all the time,

but the big changes that are effecting us today probably began

in the 1970s. The western world went through major social

changes. After the Second World War the old hierarchies were

being pushed aside and the working classes started to enjoy

the benefits of public education and basically there was a major

paradigm shift. The middle class expanded over the decades

and now there isn’t a ‘working class’ as such, so much as a

middle class with people below that, socio-economically, and

people above it who are not ‘upper’ class, which suggests some

kind of superiority, but rather they are the wealthy. Even people

with over a million dollars in assets don’t see themselves as

wealthy so much as ‘middle class’ in this country.

The kind of manual labour jobs that once were so available you

could literally walk out of one on a Friday and into a new one on

the Monday, have all vanished. Gone to Third World countries or

legislated out of easy reach for school leavers. Everyone needs

a Cert II or Cert III these days, no matter how menial the task.

‘Working hard’ is not really the same thing today as it was back

when I was a kid and remember, I never saw my dad because

he was always working hard. It still requires considerable

investment of time both in the commute and the extra, unpaid

hours many of us put in just to keep hold of our jobs in an ever

more competitive workplace.


59

This is a workplace that favours youth, and once you hit 40 you are

on shaky ground when it comes to changing jobs or employers.

Past fifty you might as well forget about getting hired again

unless your skill set is so in-demand and the level of experience

you can bring is worth what the employer will have to pay for

you, compared to some just out of uni, twenty something. And

they are thinking about not paying the aged pension until you

turn 70? So if you find yourself unemployed at 50, you will spend

the next 20 years on NewStart (the ‘dole’ or unemployment

benefit)? That will never happen because the government of the

day will be hammered about the high unemployment figures,

so they will come up with some interim benefit to push people

onto, just as they have done with school leavers. Now they are

all on Austudy so they are not unemployed, they are studying.

The same scheme will be brought in for older unemployed

people only it will be called something different. Anything to

mask the real unemployment figures and take pressure off the

government of the day. Are you going to be relying on Centrelink

for your income in a few years time?

New Jobs, New Challenges

There are jobs advertised today that didn’t exist ten, or even

five years ago. Computerisation and the Internet have made

sweeping changes to the workplace and the way we work. Many

of us don’t really need to commute into a place of work, but could


60

be just as effective telecommuting and working from home,

online. At least, up to a point. Studies show many telecommuters

soon resent the lack of interaction with colleagues on a face

to face basis. While it is more time and cost effective to work

from home, not having the chance to swap gossip over coffee

or meet at the water cooler means more to some than others.

Some people simply can’t handle telecommuting. We humans

are, after all, a herding animal in the main.

Australians do work hard and surveys in recent years put that

commitment at around 60 hours a week, even though most of

us are paid for 40 or less, 38 hours, 37.5, some just 35 hours,

and that is considered full time employment. Few would actually

do just the mandatory minimum, even those in waged positions,

paid by the hour in retail and hospitality, often find themselves

doing unpaid overtime, if only out of fear of losing their job to

someone willing to work for free, which is what unpaid hours

are. Too many of us are in situations where, if we lose our job, we

are one payday away from financial collapse and ruin. It is even

worse for many couples, mortgaged way over their heads and

both praying they hold onto their jobs so as to maintain funding

the consumer lifestyle so many today unwittingly support.

My dad was fortunate, in some ways, that he lived and worked

(hard) in an era where there still was some semblance of job

security. He only knew one way to make a living, and that was to

go to work for someone else and to work as hard and as long as


61

you could. While this is honest and ethical and to be respected

(and I do), it is not necessarily the smartest or the most effective

way to make a living, and it never has been. The problem for all

those men and women like my parents is that nobody ever told

them it could be any different. Nobody ever told them how to

make a living working smarter, not harder.

Not Everyone’s An Entrepreneur

Not everyone has the entrepreneurial gene, or whatever it is that

sets those people apart. If we were all entrepreneurial, either the

world would be far more advanced than it is today in so many

ways or it would be anarchy! We need people who are plodders,

people who are happy to remain in the same job, doing the same

thing, day in, day out. We need people in our society who are

conservative, risk averse and more willing to suffer under what

they know than risk what might, or might not, be a better way.

We also need people willing to take risks, to chase change and

implement progress. It is this diversity that makes things work.

My dad is not the entrepreneurial type. He is not a risk taker

in the corporate sense. His advice regarding the stock market

is based on a lack of knowledge of how it actually works. His

advice is based on his observation of the people who invested

money and lost all they put in and more. His advice is based

on the gamblers, the speculators, the people little, if any better,


62

educated about the stock market than he is. And he is right. Yet

I have never taken any of his advice regarding the stock market

and how to make money, ever, and I am far more wealthy than

he is or ever will be. Not only that, I don’t work anywhere near as

hard as he has all his life and my family see as much of me as

my hectic international speaking schedule allows, which is still a

lot more than I saw of my dad.

My dad says if you invest money on the stock market then you

are throwing it away. The only way to make money is to get a job

and work hard. In 1999 I owned five houses and wanted to obtain

finance to buy #6. The bank turned me down. I had a good job, I

owned other properties, all rented out and making money, paying

off their mortgages and never a payment missed. Nonetheless,

the bank wouldn’t approve another loan. I was reading all these

books along the lines of 10 properties in 10 years. I thought, if

they can do it, I can do it. Well that wasn’t the case.

I spoke to my dad about this as I was understandably ‘miffed’

and just wanted to vent. His advice was simple. Get a second

job. If I got a second job my income might increase enough for

the formula applied by the bank’s lending officer to give me the

green light and the bank would advance the money needed.

Then again, it might not. I might have to pay down some of the

other mortgages first, lower my commitments and outgoings. I

did a lot of number crunching and couldn’t see how I could get

a second job that would pay enough to make this work and not


63

take up every spare minute of my life to the point where I did

nothing but go from job to job to bed to job, then collapse. Pretty

much as my dad had done on his one day off a week.

One Hundred and Sixty Eight

What if I could make money without swapping chunks of time?

Basically that is what most of us do. We develop skills that we

exchange for money, usually based on a dollar per hour rate.

I know if I work 40 hours a week at $25 per hour I can make

$1,000 per week, every week that I work.

Activity Hours x Days Hours

Working 8 hr x 5 days 40

Commuting 1 hr each way 10

Sleeping 8 hr x 7 days 56

Eating 2.5 hr x 7 days 17.5

Personal Hygiene 2 hr x 7 days 14

Total 137.5


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Then they take out income tax and of course it costs me money

to get to and from work and I have my living expenses to cover,

so there may not be a lot left over to save or invest. If I was

paid $50 per hour and made $2,000 a week, that doesn’t mean I

will have an extra $1,000 now. It just means my lifestyle adjusts

accordingly. Be honest; most of us have taken that pay raise and

spent it. If not right away, over time our expenses have always

crept up to match, and too often exceed, our income.

In any one week there are only 168 hours, no more, no less. We

all get the same ration, so it really is what we choose to do with

them that makes the difference. Won’t bore you with all that

motivational self-help stuff you can read in countless books; it

is all true and everything but this isn’t the place to rehash what

most of you no doubt are already aware of. So let’s get back to

our 168 hours.

This leaves just 30.5 hours per week, plenty of time for a second

job, right? I know, I didn’t put in any allowance for watching

television, talking to your spouse, playing with your kids or

anything like that. If I had added just 90 minutes per day for those

activities you would now have 20 hours left for that second job

that is going to make all the difference and elevate you into the

world of wealth and success!

If you make $25 an hour at your main job, how much do you

think you can squeeze out of this second job? Even if we make

this second job pay as much as our first one, we can only make


65

a maximum of $500. $25 an hour multiplied by 20 hours is $500.

I realise $25/hour works out around $52,000 per annum, which

is a salary in the low to medium income bracket these days, but

let’s use this amount because there are many people making

that, and less, who can and do invest in covered calls and are

making a respectable second income doing so. Let us ignore

for now the reality that anyone on 52K is really not going to be

considered by a lending institution for a first mortgage of any

size, let alone a second one for an investment property, but bear

with me if you will.

The Second Job Myth Explored

Without the second job, our $1,000 a week nets us somewhere

between $700 and $800. On an income of 60hours x $25/hour,

we gross $1,500 a week, which attracts a tax deduction of $348-

$482, depending on how we go with our tax-free threshold.

Actually we could claim the tax-free threshold on the main job

and pay just $178 in tax, then pay the no tax-free threshold rate

on the second job’s $500, which is $126. So assuming we were

living off the first job to begin with, that leaves us $374 extra

per week to service the mortgage with. Out of that we need to

get to and from this second job, and there will be other claims

on the extra money so I have allowed a little over half the gross

income from the additional 20 hours of hard graft to be available

for investing in a property.


66

We now have an extra, say, $260 a week; the bank is going to

love us, throw money at us, beg us to take out loans with them,

right? Maybe. Maybe not. Presuming you had the deposit, stamp

duty and other upfront expenses under control, at 5.88% interest

over 25 years, repayments of $260 a week are usually made on

a loan of $177,000. This doesn’t mean the bank will actually lend

that to you, remember my dilemma and I already owned five

properties! A loan of $177,000, factoring in the 5%-10% deposit

in cash, puts the property into the $185,000 to $195,000 bracket.

There is not a lot of property bringing in rental returns of $260

per week (neutral gearing) at that price. There is no way you

could positively gear the property in the Australian rental market

and more than likely you would be relying on a negative gearing

strategy to offset some of that 48% second job tax rate.

For those not familiar with the terms negative, neutral and

positive gearing, they refer to the return on an investment. If you

are negatively geared then it costs you more than it brings in. If

it is positively geared then you make money on your investment

and neutral gearing means you break even. If you have a rental

property bringing in $300 a week in rent, but the mortgage and

property management, rates and so on cost you $310, you are

negatively geared. If you are doing it right you should be able

to offset that $10 loss against the income tax you pay. If the

property brings in $310 you are neutrally geared, and $320

means you have to declare that extra $10 a week as income to

the ATO and are positively geared. Ok? Let’s continue.


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A Lot Of Effort For…

For that investment property you are working 60 hours a week,

plus commuting time. You have so few hours for yourself let

alone anyone else. Even if you are single and have dedicated the

next however many years of your life to this plan… how long do

you honestly think you can keep it up? If that second job was what

was keeping you and your family alive, then no doubt you would

hack it as long as it had to be hacked. So many bread winners in

the USA are working two, even three jobs, getting paid anything

from $2.25 an hour plus tips for some hospitality industry staff,

to just $7.25 an hour, minimum wage, for adults with families.

Many have only 30 hours a week full time employment and

rely on food stamps, ironically often spent at the same stores

that employ them on such low wages. They work the other jobs

just to make ends meet and have no concept of ever breaking

this poverty cycle. And this is the world’s wealthiest nation,

remember.

My recent trip to Greece with my family for 2 months opened my

eyes to the current crisis they face. I saw how average people

are struggling to make ends meet. University students were

earning 1 Euro an hour in jobs working 8 hours a day for 8 Euro.

When you take out rent, food, education, what is left?


68

In Australia we have it a lot better. Our minimum wage for an adult

full time employee is currently around $16 an hour, but anyone

making that at a job, putting in 40 hours a week, is grossing just

$640 a week. If they got a second job for the 20 hours we have

decided are available to our hypothetical example, they might

gross another $320 before tax. Tax on the first job works out

at $55 and about the same on the second job. Let’s say you

take home $800 for 60 hours of work, plus however long it takes

you to travel between them and your home. If you are the only

bread winner you are going to be dependent upon Family Tax

Benefit A and B and any Child Care Benefit. This doesn’t mean

it can’t be done, the owning an investment property dream… It

just means you would have had to buy a place twenty or more

years ago before the real estate values in this country went into

silly numbers. Or you are looking at a little cottage in the wilds of

Tasmania where there is no employment for miles around to

provide a first job at minimum wage, let alone a second one.

Sixty hours a week is an awful lot of effort for not a lot of return

when you take into account factors such as quality of life, work/

life balance, seeing your kids, that kind of thing. That isn’t living,

people.

“If money is not that important to you that is why it is absent in

your life.” – Pat Mesiti


69

It Takes Money To Make Money

It does indeed take money to make money. You can’t make

money out of thin air, at least not legally and not for long. Ponzi

schemes and pyramid clubs fall apart just like stock market

bubbles eventually burst.

If you want to make money in real estate you need a substantial

sum to begin with, to obtain the mortgage, cover the deposit, pay

the legals and the stamp duty, if in a state where it is charged.

It is not something you can do with, say, five thousand dollars. You

do have the equity of the property, or rather its value. If you buy

a $300,000 property and it remains worth that much, then when

you pay it off you have the property less what it has cost to buy

and own it; mortgage interest, taxes, fees, rates, maintenance,

insurance and so on. Real estate usually increases in value and

in Australia this has historically been between 8-12% per annum.

You can do the sums and factor in the increase in value against

the cost of owning the property and more than likely after ten,

twenty years you will be ahead. If you invested the same amount

of money in the stock market, most experts will assert you would

have made around the same gain, 8-12% per annum.

There would have been some periods of loss, perhaps even great

loss, but overall and over time the result would be pretty similar.


70

Whereas you can get into property with, say, $30K on a $300K

property, allowing 5% deposit and all your other expenses taken

care of, $30K of blue chip stock isn’t going to get you to the

same place ten years down the track. This is one reason many

people don’t just buy and hold stock, they speculate with various

strategies such as Forex, Commodities, E-minis, CFD’s, Futures,

Options, puts, calls and all sorts of risky products. They gamble,

in other words.

If you used that $30K the way I would, you can reasonably expect

to bring in on average 20% - 40% per annum in ROI. Yes, that’s

$6,000 on 20%. The next year you invest the $36K, generate

approximately 20% - 40% per annum, 20% will increase your

$36,000 to $43,200 at the end of your second year of covered

calls. $51,800 in year three. $62,160 in year 4.

As you can see you have the potential to double your money in 4

years. Meanwhile, your sibling who bought that fixer-upper with

their $30K is still having tons of fun with the tenants, the repairs

and the repayments but hey, they can’t lose. They’re in bricks

and mortar, right?

Your other sibling, the one that knows everything about the stock

market, lost their $30K within a few months on some options

that didn’t work out. Hey, that’s the stock market, right?

Before you toss the book away in disgust, let me explain about

the 20% ROI. That is just 1.7% a month, every month. If you make


71

2% on $30,000 in a month, that’s $600. Do that 12 times a year

and you have $7,200, or 24% of $30K. The numbers don’t lie. Of

course, some months you might not make 2%. You might make

4% but I doubt you will make more. You will make somewhere

between 1.5% - 4%, a month.

You either tell Money where to go, or wonder where it went!


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“My dream has been to retire by the ocean which we are now going to do.”

My name is Shirley. A huge thanks to you and your coaches for being so very supportive. Keep up the long emails.

I joined FB in March 2017 when attending my second information session. How I wish I had joined after the first one months earlier!!

I did paper trading for quite some time alongside small live trades until I felt confident to just go totally “live”.

My husband supports me in this and because of the success in the trades and percentage profit made from the money invested, encouraged me when renewal time came up this yea .

We live on a farm 80km from town where our internet can sometimes be unreliable, but your coaches have worked around that as well.

My dream has been to retire by the ocean which we are now going to do. Thanks to this system , the money I am making will pay for the expenses of living in the unit as our farm has not yet sold.

I started with AUD$10,000 and have increased this to AUD$50,000 as I can see the value/returns in having larger amounts in the market spread over a few trades.

Since January I have made over US$7 ,000 profit in 149 days (we were away for 5 weeks and I did nothing in that time - so really 114 days). Annualized this equals 55% return.

Absolutely happy with that!


73

This is the trade that I am so excited about:

Bought 27th February and did a buy/write.

It expired and subsequently I wrote 6 calls before being assigned on 12th May.

Profit in 74 days $2820 or 15.2% which = 77 .2% annualised.

This strategy just seemed to work for me.

• 9 days 1.95% profit = 89.2% annualized • 8 days 2.4% profit = 111.2% annualized • Still open and expecting 4.91% for 4 days

= a whopping 448% annualized • Still open & expecting 2.38% for 9 days

= a whopping 96% annualized

The banks just don’t give returns like this.

So, thank you for introducing me to this strategy of writing Covered Calls. It has opened up a new way of investing - creating the market, and the retirement lifestyle to follow :)

Yours in abundant success (and a decent golf handicap in the near future),

Shirley


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Let’s Look At The Bottom LineIn this case, by bottom line, I mean the lower ROI, 1%. One

percent of $30K is $300. If you make that every month, in a year

you will have made $3,600. 12% ROI, the average upper limit

most experts claim you can make from real estate or buying and

holding on the stock market. Investing in covered calls the way I

advise, you are more likely to make the 2% - 4% than the 1% and

even if you average it out at 3%, a month, that is an annual ROI of

36%! $10,800 in your first year. If you put that back into the kitty,

the next year your $40,800 will bring in $14,688.

The best thing about this method of making money is that you

don’t have to slave away at that second job! Your investment in

time is minutes a month and there are no tenants to worry about,

no rates to be paid and no repairs to be authorised and paid for.

If you do take that second job and sock away $260 a week it will

take you a little over two years to get your $30K together but

the great thing about this method is you don’t need that much

to begin with. You can begin making a second income with just

five thousand dollars.

Five grand these days isn’t much. I know it is a lot of money if

you don’t have it but if we look at this rationally, what does five

grand get you in 2014-2015 dollars? Anyone with a credit card is

likely to have a limit larger than $5,000.


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You can borrow that as a personal loan for, say holiday expenses

and it will cost you maybe 10% to repay, let’s call it $5,500 all up

over 12 months. If you were making 3% ROI, you would make the

interest payable on the loan in just over 3 months.

Then you have 9 months to make some money for yourself and

at the end of the year, sell off the stock (preferably for a profit)

and repay the loan.

3% of $5,000 is $150. In the 9 months the stocks are working for

you and not whoever loaned you the five grand, you will make

$1,350 (less brokerage of course). An additional $1,350 a year

for say, twelve hours work, isn’t bad and once you are set up it

shouldn’t take more than an hour every month to manage your

investments.

That works out at a rate of $112.50 per/hour. That hourly rate,

worked out at 40 hours a week over 48 weeks in the year delivers

a gross annual income of $216,000.

To earn that kind of income you would need an investment

of $600,000 earning the average 3% ROI a month. The rental

income on a $600,000 property would be around $500 per week,

depending on where the property is located; about $26k per year

before you pay the rates and all the other expenses incumbent

with real estate.


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Real Estate, Risk or Covered Calls?

So if you had $600,000, which would you rather invest in? A

house requiring tenants, rates and repairs; or stocks that can be

managed an hour a month and bring in ten times the income?

If you put it into the stock market, would you be happy making

a steady 1-6% (3.5% average) or would you listen to your broker

and go for the big money, the 30% or more ROI per deal gamble

through puts, calls and whatever else he can charge a fee to

broker for you?

Stock brokers make their money every time you make a

transaction on the market. They charge a brokerage fee for

every sale or purchase they handle on behalf of their clients. In

Australia that fee ranges from around $40 to over $100. In the

USA, where there are more brokers and more transactions on

more boards, the fees are a more reasonable $8.95 - $20 or so.

If the broker has one hundred clients on his books, he needs to

have as many of them buying and selling every day as he can.

He wants them playing the options game and buying puts and

calls, trading options and securities and especially ‘day trading’.

He loves people who spend their every waking hour online,

monitoring the minute fluctuations of stocks.

Remember, 95% of people who invest in the stock market do

so in one of two ways. They buy stock and do nothing with it,

known as buy and hold. This is fine, to a degree.


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If you choose the right stock it will certainly increase in value over

time, most stocks do. Good stock, known as ‘blue chip’ stocks,

are pretty much always going to increase in value over time. Of

course, some blue chip stocks can crash and stay down but if

you have a good, well thought out portfolio you can minimise the

risk considerably.

The other way people invest is to speculate, or gamble. They

play the options trading game and buy puts and calls and work

the odds and the angles, as if they have some special insight

into the vagaries of the market. Like gamblers the world over,

they win some, they lose some. Some win a lot for a long time,

others tend to lose from the outset, and most do a little of both.

The only people who win when an investor speculates and

gambles on the market are the brokers. They make their money

whether you win or lose. The good ones do try to help you win

more than you lose but it is not being overly cynical to suggest

that is because the more you win, the more you’ll have to spend

with them.

The same can be said about real estate agents. They work for

both the vendor and the buyer, so surely there has to be a conflict

of interest inherent in the relationship right from the start. You

can see why some people use their own agent to look after their

interests when buying a property, someone who has nothing to

do with the vendor and is paid by the buyer.


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An agent who lists the property wants to sell it for as much as

they can because the more they get for the vendor, the bigger

their slice. How can they be working in the best interests of the

buyer?

There are other trips and traps of the game that irk me, like the

‘vendor bid’ used in some states when auctioning a property.

The vendor (i.e. the seller), doesn’t like how little is being bid for

their property so they put in a ‘vendor bid’. Now the bidding has

moved up and the silliest thing is this tactic often works to get

bidders going again!

In the stock market there are brokers who educate their

clients, but most prefer to have them rely on them for advice

and expertise and that is understandable. Many brokers have

invested a lot of time and money in educating themselves and

deserve to be fairly compensated for this knowledge, just as any

expert or consultant should be.

Some, however, do exploit the lack of education in stock market

matters of many investors and neglect to tell them of their full

range of trading options, such as covered calls. My argument

over many years has always been that if a fund manager really

knew how to make money, what are they doing in a job?


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Who Do You Trust?

This is a good question. When it comes to anything to do with

the stock market, don’t trust my dad. Not because he isn’t a

trustworthy individual, he is and he is as solid as they come.

He just knows nothing about the stock market other than it is a

place to lose your money. Are you going to get in-depth, unbiased

and well considered advice as to how best to invest your savings

from him? I don’t think so. Will you get in-depth, unbiased and

well considered advice from a real estate agent when looking

to invest in a property? Again, the answer is either a straight ‘no’

or a ‘maybe’ at best. If we asked the question of a stock broker,

we also couldn’t trust his advice completely as there is a fair

chance he will slant his opinion towards using his services as

much as possible, and the same can be said if you were to apply

this question to me.

Of course my advice will be biased. Biased towards what I believe

is the best strategy, covered calls. Yes, I make my living in part

through helping others make money through covered calls. This

book is all about covered calls, so logically, simplistically, how

could anything I have to say not be biased towards that agenda?

Which is not necessarily a bad thing, nor is it for real estate

agents and stock brokers. So long as you are awake and aware

and accept that the advice you are given is nearly always going

to be trying to lean you one way or another.

So, who do you trust? You trust yourself. Backing yourself every


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time is something I truly believe in. You know yourself better than

anyone else, and if it came down to a toss up between you and

whoever else, you know your own capabilities and limitations

intimately; so back yourself. How do you do that when it comes

to making very important investment decisions? Simple. You

get the best education you can, then you apply what you have

learned and away you go.

Education is not only about classrooms and diplomas. You get

an education in Life through living everyday. You can get an

education in investing through reading books like this, attending

seminars and training courses, and making your observations

and analyses. You can get an education in how to do it the

wrong way and that can be quite an expensive learning curve.

Remember back in 1999 when I wanted to buy another property,

the bank wouldn’t lend me the money and my dad’s advice was

‘get a second job’? Well, I didn’t take that advice. Instead, I got

an education, applied the lessons I had learned and lost a ton of

money. Let me explain.


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“4.86% Profit in one just one month”My name is John,

I joined the Fokas Beyond family in 2015 but with other distractions and the lack of fokas to study how the strategy worked I procrastinated for over a year, even after doing two Melbourne boot camps.

In April this year it was realised that my triad of 35 years in horticulture and my own business of 14 will come to an end in March 2018.

Push came to shove. I had to do something to earn an income. Up until then the only way I knew how earn income was to physically dig a hole and plant a plant.

So I applied some ... fokas ... commitment, studying the education and began practising paper trading in April 2017 for a few months.

I quickly saw the potential of creating an income, and how things came together. I wasn’t going to become a millionaire over night or a few nights but in a couple of years I could create a comfortable income. In July 2017 I went live.

I was very nervous trading with my hard earned. Everything became real. I started small to test the water and each month putting more money Into my trading account. Reviewing what I was learning and talking to the coaches.

“Its still a work in progress but man am I making progress.”

This is a sign I have in my office that speaks volumes.

There is some uncertainty of what next year holds for me as my business will be finishing end of March 2018 and no concrete direction of the next stage of my life.


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Developing the tools and understanding of Cover Calls I can see how I can create an income using George’s education freeing me to finally pursue my life’s mission and not just a job to pay the bills.

The surprising thing is I’m really enjoying the covered call strategy, studying and implementing the education, moving money around and most of all .... the money I’m making!

October expiry was an amazing month for me, beyond my expectations and I’m sure not the norm, but I’ll take it. 4.86%.

November expiry was another great month, 3 positions with the following returns.

2.97% for the month and the position is still open.

2.6% for 4 days and the position was exercised.


Thank you George and to the crew you have put together for your support.

With the deepest respect and regard thank you for what your doing..

Regards

John


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Getting The Wrong Kind Of Stock Market EducationWhile I was going through this situation with the bank,deeming

me worth lending to for properties #1, #2, #3, #4 and #5 but not

for #6, I had one of those light bulb moments. I was on the train

going into work and next to me on the empty seat was that free

magazine they handed out back in the 90’s called, ‘Nine to Five’.

Something drew me to the back page, or perhaps I just picked it

up back to front, however it happened, there was a full-page ad

on the back page that headlined with, ‘Come to our event, learn

about the stock market and cash flow!’ I remember thinking,

‘this is brilliant!’ It was exactly what I was looking for, because

I needed more money and I knew it was better to work smarter

than harder, and there was no way I was taking my dad’s advice

and getting a second job.

I knew, even back then, that most people simply don’t do

anything. They bemoan all sorts of issues and problems plaguing

their lives but do they do anything to change things? No. They

procrastinate. They make excuses, what I call ‘excusitis’. They

will happily find one hundred reasons why something wont work

rather than just one way it will. Like the 95% of stock market

investors being nothing more than speculators/gamblers, the

same ratio applies to taking action and changing your status quo.

95% of success is simply turning up. Doing something, anything,

taking action. That leads to change and, while sometimes it


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might be the wrong change or the wrong action, so long as you

keep taking action you will eventually get where you want to be.

At the very least, you will no longer be back there in the middle

of all those problems!

So I took action. I called the number on the ad and I made a

reservation for the training seminar they were offering. Not only

that, I actually attended. It was huge, a three-day event with

numerous powerful, motivated and motivating speakers up

there on the stage, extolling the virtues of the stock market and

how you can make huge fortunes if you learn what to do. They

assure the audience that anyone who undertakes their training

program can make 20%, 30% ROI overnight! Some even showed

examples of how they made 100% and more, overnight! I was

going to be rich! A millionaire. Overnight. Well, not quite. I had to

buy the program, then learn it and of course, most importantly

of all, apply it. Do it, in other words.

We Will Do Nothing To Avoid Failure

Once again the 95% rule can be applied, because I imagine 95%

of those who attended the seminar never bought the program.

They would have gone home to speak to the spouse, parent,

sibling, friend whoever. They would have dreamed themselves

unworthy of success and denied themselves the chance to

make their dreams come true. It is so much easier, so much


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less risky and so much more certain to not try, to not take action

and to not risk failing and just not do anything. If you do nothing,

that’s not failing, surely? You can only fail if you try and we are

conditioned from early childhood that failure is bad. So we fear

it.

It is a maxim of Neuro Linguistic Programming (NLP) that we

will do more to avoid pain than to receive pleasure. Failure is

programmed in to us as being pain and it is more of a stimulus

than the pleasure of success. Hence we will do more to avoid

failing than we will to achieve success. By simply not doing

anything, not taking any action at all, we avoid failure. I know, we

succeed at not failing by not succeeding… it is bizarre but that

is human nature in a nutshell. For most of us. For 95% of us.

But when we take action, we join the other 5%. As I have already

said, taking action is better than doing nothing, but that doesn’t

guarantee the action you take will be the correct action.

I spent $10,000 in 1999 and began learning all about the

stock market and how you can make a fortune. I was hooked

on learning about this ‘sure-fire’ way to make money. I was

so hooked, I signed up for another event. Then another, then

another. In less than six months I had attended four major stock

market training seminars and invested $40,000 in training. I then

went ahead and applied all I knew and lost $70,000 in the first

twelve months of trading.


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Basically, I had purchased a very expensive education in how

to lose money on the stock market. I was being trained to

speculate, to gamble and so that is what I did. I gambled my

money away. I traded options, Forex (foreign currency exchange)

and commodities and I lost the lot. At this time I was building a

house and in the process of getting married, so you can easily

imagine how impressed my future wife was with my stock

market activities!

Sound Advice Finally Makes Sense

What finally dawned on me was that I was doing what someone

very wise in the ways of the market once told me most people

do: I was trying to predict where the stock would go when I

should have been ‘creating’ the market. Sound advice I had been

given some time before finally made sense. Rather than react to

what had already happened and try and guess what that would

do going forward, I needed to put myself in a position where I

created the market for my stock. Let me explain.

I had met Rene Rivkin through my job and attended seminars

where he presented information about making money, mostly

through the stock market. There is no doubt in my mind Rene

was one of the sharpest business minds this country, if not the

world, has ever known. There was some controversy at the end


87

of his life but I for one refuse to judge this man on one incident,

but rather on a lifetime of achievement and philanthropy.

Rene said that approximately 95% of the people involved in the

stock market are speculators. They speculate the stock will go

up or down and then gamble accordingly. What you needed to

be, if you were to make money from the stock market, was one

of those that made the market. By that he meant, you create the

options for others to speculate on. You buy good stock, create

an option and then sell that option. You make your money on the

sale of the option regardless of what happens to the stock itself.

You make the market. You profit from the entry, not the exit.

I realised, at last, what he was telling me and it made perfect

sense. I had my ‘epiphany’ after the fourth seminar I attended

and paid big money for. This one offered attendees all sorts of

great support and advice, but the reality was we never got to

talk to the ‘guru’. All we got was a 1-300 phone number and the

direction to call them only after we had read all the material and

educated ourselves on the system. Basically we were made to

feel all excited and special, then fobbed off to a call centre where

people who knew less than I did read off a script for all I know

and pretty much told us nothing worth a fraction of what we had

paid. You can imagine then, the reaction of my wife to be when,

after another train journey and another copy of Nine To Five, I

discovered a fifth training seminar I just had to attend!

This one was written differently, used different fonts and colours


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and said ‘Cashflow, come to our seminar, learn about the stock

market.’ By the time I got to work I couldn’t wait to pick up the

telephone and register for the event to be held in two weeks

time. When I got home that evening I asked my fiancée what

we were doing in 3 weeks time. She asked me why. I explained

I have 2 tickets to another seminar. You can just imagine the

anger building up when she heard that. I had been to 4 seminars,

outlaid $40,000 to lose over $70,000 within 12 months. Her

response was “Over my dead body!” I persuaded her to let me

go.

“Honey! This is different! I just want to do this.” “Okay, but promise

me one thing.”

“What’s that, honey?”

“Promise me you’re not going to invest in anything.”

“Honey, I promise.”

When I arrived at the seminar it was all singing, all dancing

with highly energized speakers leaping around the stage selling

speculative strategies. The same old, same old in other words.

It was while I was sitting there Rene Rivkin got up on stage with

his son to discuss the markets and what he had to say made

crystal clear sense. Forget trying to guess what was going to

happen, create the market.


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Own the stock people want to option and get paid for creating

the market with options no matter what happens to the stock. It

was another investment I made in myself, $10,000 for another

educational program.

I raced home to tell my fiancée how I had had an epiphany, a

‘light bulb’ moment. I knew what I had to do and how I had to do

it, and I was going to begin that very day. She was not impressed

to say the least. I made the decision to do it. No one was going

to stop me.

I invested $10,000 and bought some stock, then I created the

options and sold them. I made the market. That was in late 1999

and by 2003, now married and just 28 years old, I semi-retired. In

the four years in between,

I still had my regular job because I knew this was going to take

time to do properly. I still had to eat and keep myself and my wife,

and pretty soon our kids, fed, clothed, housed and happy. I also

invested in other businesses to diversify my income streams

and build my various pillars of income.


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No More Excusitis

The biggest failure you can have in life is making the mistake

of never trying at all.

I had decided I was going to become wealthy, and I was not

going to get there slogging away at two or three jobs. Working

for wages never made anyone rich and only a few better than

merely ‘well-off’, whatever that means in real terms. To make a

good living and to build income streams for the future you need

to do more than just swap your time for someone else’s dollars.

You need passive income from streams that are making you

money 24/7, whether you are there doing anything or not. One or

two of these can lead to three or four, and pretty soon the force

multiplier steps in and you are making serious coin doing very

little in physical terms. All the work is done planning and setting

things up and then getting them into motion. And that is the real

secret. You could stress about what could and the negatives

and this will hold you back. What happens if the negatives your

conscious mind is giving you never manifest? You have missed

another opportunity.

Too many people fail to do anything. They simply fail to take

action, any action. They do nothing and still wonder why nothing

in their life has changed. I know I have said this already but I am

saying it again because it is so important and really needs to be

carved into your psyche so you accept, acknowledge and apply.


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Accept that for anything to happen you need to make changes

to what you are doing now and how you do it.

You need to acknowledge that change is good, change gets

things moving and that not doing anything is not the way

forward. You also must apply your actions, do something every

day that makes things change and happen. No matter how

small, doing just one thing differently or in addition to what you

usually do will make a difference. If you get in the habit of doing

something new and different everyday, no matter how small or

trivial, you will notice some major changes happening in your life

also. Good changes. I did.

As soon as I started to invest in the stock market with the

mindset of making the changes happen, I felt empowered and

very much in control. I was no longer speculating, I was investing.

I wanted stocks that people were chasing because they were

good risks with potential to make them some ridiculous amount

of money overnight. I was creating the stock market for others

to speculate and gamble on, and I was making money from the

very start.


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J.O.B.When I left school I didn’t have the marks to go to university so I

got myself a job. I like to write it J.O.B.; jay-oh-bee. According to

the website ‘Urban Dictionary’, a job, or J.O.B. is:

‘The means by which at least 30% of your life is stolen from you

to enrich the owners of a company making useless shit that

some other poor idiot in a job will buy.’

Many call it Just. On. Broke. The next time you are sitting at the

traffic lights on the commute to work, or riding the train or bus,

have a look at the people around you. Don’t worry about whether

they are happy or sad because happiness is a choice, and you

can be happy even in the worst situations if you choose to be.

No, look at each of them and ask yourself what is it that they do

to earn their salary or wage? What do they offer in return for the

money their employer pays them every pay day?

If they work in public service then the money comes from

consolidated revenue, the taxes we all pay, including the public

servants themselves. If they work for a private enterprise

employer then the money comes from the income they help

generate by whatever it is they do. The public servant might

not have the same pressures put on them to be profitable but

they do need to work to budgets and achieve goals. They can

lose their job through non-performance, but not as easily as in

private enterprise.


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The biggest risk to job security for the public servant is the

next round of government job cuts to the public sector. It might

seem incongruous that one year the government of the day are

cutting thousands of jobs in the public service and then a year

or so later they are expanding the very same departments to

increase capability and efficiency. If you look back over the past

few decades you can see this happening over and over again, no

matter which party is in power. It makes you wonder what they

were thinking last time they either cut jobs or ‘created jobs’.

And that’s another thing to think about for a moment. Do

governments ‘create jobs’? They always shout this from the

rooftops, but do they create jobs? The only jobs the government

can create are in the public sector and we know in a year or three

they will cut those very same jobs when it suits them. They

can assist in creating an economy that is conducive to private

enterprise taking on more risk and expanding their operations

and workforce accordingly; but they don’t create those jobs.

They do this by investing in public-private partnerships on major

infrastructure projects such as toll roads and bridges, or by

offering tax incentives to corporations that set up operations in

the state or country the government is responsible for. That’s

about it.

Having a J.O.B. is a dodgy affair these days. Prior to the 1970s

there were such things as a job for life, and people did leave

school at 15 or 16 to start work the following Monday at the


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factory or office where they would remain until retirement fifty

years later. Since the 1970s, societal changes have been massive

in many ways and the decline of the concept of ‘job security’ has

accelerated to the point where it is a two way street. Employers

no longer expect an employee to stay longer than 2-5 years,

and many look with suspicion on a CV that has the prospect of

sticking with just one or two employers over many years. The

career change every couple of years is no longer looked upon

as a lack of loyalty or staying power, but recognised as a viable

tactic for advancing one’s career. More money means more

work the employer wants you to do.

From 1993 to 1996 I worked at my J.O.B. All I did was work,

work, work… just like my dad. I worked hard and saved my

money, and in 1996 I bought my first property. By 1999 I had five

properties and it was then, as I was turned down for a loan to get

my sixth property, that my life truly took a change in direction.

That was when I invested $40,000 in a stock market investor’s

education that enabled me to lose $70,000 in the first twelve

months. It was also the time when I finally learned how to really

make money on the stock market and set myself up so that I

never had to swap my hours for their dollars, ever again. It was a

strategy that banks, institutions and fund managers around the

world at times implemented.


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Some Truths About J.O.B.s

Don’t get me wrong. Jobs are a good thing. We need people

working in the public service. We need people in private

enterprise. We need everyone doing what they do to make

our world turn, to keep our society working as it is. Everyone

has a role to play and we need to keep very much in mind that

whatever it is that person next to you on the train does to earn

their income, someone thinks it is important enough to pay

them to do it.

As an employee, what you do must, in some way, is contribute

to the success of the company. If you don’t, then it won’t be long

before you lose your job. Let’s face it, if the role you fulfill isn’t

helping, it must be hurting. You are a cost to the business and

therefore you need to justify that cost by contributing to revenue,

somehow. It is clear for some; sales people can quantify their

contribution by how much they sell. Even factory production line

workers can claim they are contributing to profitability based

on how many items they make every hour, or however their

productivity is measured.

Your tenure is not something you have complete control over.

You might make five times the number of widgets per hour

than anyone else, but if the other workers aren’t doing their job,

it could come back and bite you. If the sales department isn’t

selling enough or the market simply moves to a new product

from a competitor, you could be laid off, made redundant, down-


96

sized, whatever term they use… out of a job. It is a dog eat dog

world, after all. If you are not contributing to profit then you are

an expense. Even if you are contributing to profit, something

might change and your services become no longer affordable or

cost-effective through no fault of your own.

Think about all the manufacturing companies in this country

that no longer exist because they have been moved offshore. It

is cheaper to make the products overseas and freight them back

here than it is to manufacture in Australia. Corporations look at

the bottom line and decide if they are making enough profit or

not. If not, they are only too happy to restructure operations to

get back into the black, despite what that means to you, the loyal

employee.

The Four Types Of Income Earner

According to Robert Kiyosaki and his Cash Flow Quadrant™,

You are either an employee, a self- employed person, a business

owner or an investor. His trade marked concept has a cross with

the employee and self-employed on the left, and the business

owner and investor on the right. The ultimate position to be in,

according to Kiyosaki, is in the bottom right quadrant as an I, or

investor.

We have already seen the risks associated with being in the


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top left quadrant, the E or employee sector. You are existing,

vocationally speaking, at the whim of your employer and the

market. You could lose your job at any time and, if enough people

who do what you do lose their jobs at the same time, the odds of

finding another job are pretty slim.

A good example of this is the demise in newspapers in the

USA and also here in Australia. Since the advent of the Internet,

newspapers have struggled to keep providing content worth

paying for and more importantly, for how print media makes its

money, worth advertising within.

More and more people get their ‘news’, or what passes for news

these days, online. They also search for and find what they want

to purchase online, and the phenomenal growth in social media

has accelerated the demise of the print media platform.

Consequently, newspapers have closed their doors and the

journalists working for them have had to find other work.

Several thousand newspapers in the USA alone no longer exist,

gradually disappearing since the early years of this century. Tens

of thousands of experienced and highly skilled writers are out

there competing for the jobs available online.

So much content is produced for free by users, people like you

and me using the web, social media and so on.


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Advertising facilitators like Facebook and Google leverage our

free content to provide access to potential customers, selling

off this information and access to advertisers and basically

doing away with the need for people to buy newspapers or print

magazines for their information and advertising.

Many of these former journalists tried to get writing work online,

only to find much of the work being offered paid pennies and

was snapped up by writers, with English as a second language,

from third world countries where they could live well on a few

dollars a day.

Most people, when thinking of jobs being lost overseas, think

manufacturing, yet so many jobs in other industries have

disappeared also. Customer service jobs are now handled by

massive call centers in India, the Philippines and elsewhere.

Content creation jobs for writers and graphic artists are also

sent overseas where rates are much cheaper due to lower costs

of living and much lower standards of employment. When will

your job be the next victim of globalization?

Even service jobs that can’t leave our shores, such as retail or

hospitality positions, are not completely safe from being eroded

as penalty rates and other Award requirements are legislated

out of existence.


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Buy Yourself A J.O.B.

A self-employed person is little better off simply because all self-

employed means in real terms is you have bought yourself a job.

If you are not available to perform the work you are being paid

to perform then you don’t make any money. Lawyers, doctors,

accountants, trades- people are all self-employed. If they do

not market themselves and chase the work they will soon not

have any work to do. Few who go into business for themselves

realise that they are now solely responsible for bringing in new

business as well as doing the business.

They are, indeed, their own boss, but they now have a client

or customer who takes on the role of a boss and is often a

far harsher task master. If you get it wrong they can easily kill

your business by word of mouth. While many believe word of

mouth is the best advertising, it is only of any use if the people

hearing the word take action at some stage, preferably sooner

rather than later. The reality is that bad words travel further and

farther than good ones, and if your business gets the ‘stink eye’,

as some call it, it may never recover.

If you are ill, tired or have to attend a funeral, you aren’t making

money. Your time is your own, providing you don’t have an urgent

job to attend, a client calling you at mid-night because they are

up and so you should be too, otherwise you are not truly client

responsive and on and on it goes. Being your own boss is often

not what it is cracked up to be. It takes a lot of work because,


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not only must you work IN the business doing whatever it is you

do that people pay you for, you need to work ON the business

getting new clients, doing the paperwork, sending out invoices,

chasing slow payers and all the other bits and pieces. You will

never sack yourself, but your clients might. You are not out of

the woods yet, are you? So why not own a business and have

others work for you?

Being The Boss

Being a business owner means, according to Kiyosaki, that you

could walk away for a year and the business would continue to

operate, make money and carry on day to day activities. This

means you have a manager and staff in place, and the revenue

of the business is not reliant on something you do personally; like

perform minor surgery, represent a client in court or fix their tap.

You can run a medical practice and hire doctors to run the clinics.

You can own a legal practice and have a bunch of solicitors,

legal secretaries and so on. You could hire some plumbers and

carpenters, a manager, secretary and a sales manager, and you

have a building trades business. None of those are reliant upon

you actually doing any of the tasks that create revenue.

Think about it this way. You own a company that makes and

sells widgets. The only money you have, now you have used up

your starting capital, is the revenue earned every time someone


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buys a widget. The money from the widget sale is broken into

two lumps. One lump repays what it cost to make the widget

and sell it, and this money now funds the making and selling

of a new widget. The other lump of money is the profit. This is

why you are in the widget business. If there is no profit, there is

little point selling widgets unless you pay yourself out of the first

lump. If you do that then you really just bought yourself a J.O.B.

when you started the widget company. If there is nothing extra,

no dividends for share holders or bonuses or ‘cream’ to make

you a wealthy widget maker… why do this?

Why have the headaches and sleepless nights? Why worry

about whether your competitors will get the edge and make a

better widget, leaving you so far behind that people start calling

you the Nokia of widget makers. That happened to Nokia, once

and for several years the leading, number one brand of mobile

phone manufacturers in the world. The problem was, they had

nothing ready when new technology unrolled smart phones, first

with Blackberry and Apple’s iPhone, and then the Android based

units from Samsung and so on. Now Blackberry are struggling,

locked in as they are to their operating system. Your widgets

might suffer a similar fate, so part of the second lump, the profit

lump, needs to be sunk back into the business under the heading

‘R&D’, or research and development.

As the business owner, cash flow might be a problem. You pay

out a ton of money to buy your raw materials and every week


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or month your staff need to be paid but it takes time to make

widgets and more time to sell them and then you have to wait

for the customer to pay their bills but all the bills you have to

pay, all the outgoings you must honour, don’t wait. There are

businesses that have been hugely successful yet closed their

doors and declared bankruptcy simply because cash flow in did

not keep up with cash flowing out. As the business owner, you

are where the buck stops.

Others choose to buy into existing businesses, coffee shops,

take-aways, corner stores, franchises etc. They buy ‘good-will’,

outlaying hundreds of thousands of dollars, or even millions, in

the hope that the ‘goodwill’ will return, with no guarantee. Is this

another form of gambling?

I For Investor

The position to be in is the bottom right quadrant, the ‘I for

Investor’ sector. This means that you earn your income by

making your money work for you. You do need to have money

to invest and put to work, but you might have inherited it, earned

it and saved it from your J.O.B. or own business. However you

came to your initial investment, by moving into the I sector you

are earning what we call ‘passive income’. You aren’t out there

swapping your time and skills for someone else’s dollars. You

make money while you eat, sleep or go on vacation. You do


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something initially to set up the investment, but then you virtually

leave it to do its magic and you get on with your life. You invest

in other things or, in the early days perhaps, go to your J.O.B. to

make more money to invest.

This is the position so many strive for when they decide to invest

on the stock market. Instead of being investors making passive

income, they become speculators, gambling their capital on

where they think the market might go, too often losing more

than they make.

The alternative is the ‘buy and hold’ brigade who think they are

being streetwise and stock market savvy by buying blue chip

stocks and simply letting them increase in value over time. Too

often, over a very long time to iron out the peaks and troughs of

daily trading.

While the buy and hold brigade are playing it smarter than the

speculators, they aren’t being as smart and as streetwise as they

could be and they are missing out on an enormous amount of

wealth generating potential by not putting their money to work.

If they offered options on those stocks in the form of covered

calls they could still enjoy the long term growth of the stock’s

value, but they would be making money on the stock they hold

each and every month. Of course, they may have to sell the stock

if it makes strike and the option is exercised, but so what?


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Plenty more blue chips out there to buy and, while holding,

earning income off the stock while allowing the market and the

stock to do whatever it wants. I teach an income strategy, not

a volatility strategy. Speculators trade volatility trying to predict

which way it will move in the hope to make money. Earning

income on stocks irrespective of which way they move is the

smarter way to invest.

The other kind of investor isn’t a true investor because they work

the market every day, just like a J.O.B. Often referred to as ‘day

traders’, these are people who watch the rise and fall of stocks

on a minute by minute basis in some cases and at least an hourly

basis overall. They buy and sell and trade several times a day. Of

course each transaction, or trade, costs them a brokerage fee

but they factor that in to the cost of doing business.

Many of these day traders follow the smaller boards and play

with the ‘penny dreadfuls’, as the cheaper, often just released

stocks are called. They can make good money, but they can lose

it too and, they have to be online and working the numbers all

the time. More an ‘S’ for self- employed than an ‘I’ for investor.

The true investor buys their stocks, then offers options and

leaves the market to get on with what it does while they do other

things. Every month, on the appointed day, they manage their

covered calls and set up new ones, sell the stock if it made strike

and buy new stock. Then they go back to doing whatever it is

they wish to do.


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Their money has been made, revenue earned, income received

and all while they were off doing the things that make life so

enjoyable. For some it is being with family, for others perhaps

going on vacation and yet many have jobs or run businesses:

not because they have to but because it is what they love to do.

The difference is they are not chained to the J.O.B. or business

because that is what pays their bills. They can live off their

investment income if they choose and anything else they do,

whether it makes additional income or not, is their choice.

Now, how would you like to be in that position?

How would you like to be an ‘I’? The great thing is, you can be.

The more you have to begin with, the sooner you can live

completely off your passive income derived from your

investments on the stock market and the fact you make them

work for you with covered calls.

Even if you have just a few thousand dollars to begin with, you

can start making passive income and working towards one day

being an ‘I’ and saying goodbye to a J.O.B., working for yourself

or even the headaches of providing other people with J.O.B.s.


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“Our aim now for both of us is to give up work in a JOB where we work for others and start to do things on our own terms.”

I’m Michelle, me and my husband are working together to make our dreams come true.

It all started back in September 2018 when my husband had finished FIFO work and he was looking for other ways to invest and make a living.

We are not going to be one of those people that solely relies on the government handouts, especially in retirement.

My husband dragged me to one of your 1-hour seminars in Brisbane. I have been in the banking industry for a long time and understood the whole investment/percentage thing, the thought of the on the spot joining was just a bit much. I was surprised and a bit in shock when my husband signed up.

Since then time has passed, I have seen him progress and make money every week and after about 2 months of him trading I started listening and understanding the great potential in what he was doing.

He started showing me what he was doing and how it all worked and that’s when we decided to open an account for our SMSF.

After the first month the money that account was the proof it WORKS and once again as he was trading with 2 accounts and showing results time after time.

So, it was then time for myself along with my husband to start the ball rolling and become a member myself.


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So now I am off and trading. Each week when I put trades on, I feel like a winner every time. I have to say thank you to my husband and to George for coming and bringing FOKAS into our lives.

Our aim now for both of us is to give up work in a JOB where we work for others and start to do things on our own terms.

The goal is if we have $300K in the trading account then there is no reason that it is possible to make at least 1% on any given week.

Yes 1% of $300K every week.

You can do the maths and that’s is also US dollars too.

Please see my result for December to January.

Some trade and percentage as we do trade on a weekly basis and not all trade get exercise and then we make new contract for income on other weeks until we do get exercised.

• $40.50 $1.19 5 days 2.94%

• $112.88 $5.86 2 days 5.19%

• $64.23 $2.12 4 Weeks 3.3%

Kind Regards

Michelle


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Part Two – How It’s Done In DetailYou Can Lose Your Super As Well As Any Fund Manager

54% of Australians own shares and, while on the Australian

market at least, shares/stocks are still not at the level they

were pre Global Financial Crisis, that is not the case overseas.

Statistics show Australia has the largest share ownership in the

world, partly due to our mandatory superannuation regulations

for all employees in the workforce.

On top of this we have self managed superannuation funds and

people who see investing in the stock market as being the way

to make money for their retirement as well as right now.

The mentality is, go out, buy some shares, hold them, put them

in the bottom drawer, and eventually when they go up, sell them.

The ‘Buy and Hold Brigade’ we mentioned earlier.

So if you went out and bought some shares, irrespective of what

they were worth at the time, can you earn an income from these

shares irrespective of if they go up or down? Yes you can.

Now we are not talking dividends, we all know you can’t even

buy fish and chips with dividends. We are talking income on a

monthly basis.


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Now, can you protect your shares? Yes you can.

I’m beginning to sound like Barrack Obama and his speech when

he won his first term as President of the USA. All that aside, if

we can make money from shares and we can protect them

from ‘harm’, why aren’t super fund managers protecting your

superannuation?

One of the major reasons people elect to create their own super

fund (Self Managed Superannuation Fund or SMSF) is because

they cite the losses suffered to their fund by mismanagement.

While the mismanagement might not be intentional, the excuse

or reason given is usually that the fund was heavily into shares

and the stock market didn’t perform as predicted.

So what they are really saying is that they are gambling with your

money. Speculating that their guesses will pay off and if they

don’t, they still get to charge you a tidy fee for ‘managing’ your

investments. No wonder so many people say they can manage

their money themselves, because at the very least they couldn’t

lose as much as what the fund manager tore up for them!

There is a lot of truth in that and yet it is perhaps not entirely

fair as far as the fund manager is concerned. They do get paid

regardless of the performance of the fund and that is cause for

concern in my book. They are basically speculating on how the

market will perform and that is gambling by any other name and

surely not what you want for your investments.


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Especially if you could gamble and win or lose just the same and

not pay them their fees! Wouldn’t it be nice to pay these monthly

fees to yourself?

So what if you could manage your own super?

Just as in the USA they have the 401(k) / IRA’s, we have SMSF

and you can use the funds within to invest on the stock market

and then create options and make money through covered calls

and do it all yourself to build up you’re retirement fund for when

you do retire.

Multiple Pillars Of Income

Most of you right now have one pillar of income in your lives and

what’s that?

Your J-O-B.

It’s important to build multiple pillars of income for the simple

reason that if one pillar collapses, you still have lots more

supporting you. There is a saying that you can have one J-O-B

paying you $1,000 per week or you can have ten jobs paying you

$100 a week each. If you lose one of those you still have 90% of

your income coming in. If you save at least 10% of your income

then you might miss a deposit into your bank account but you

won’t be falling behind on any of your commitments.


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Why you should have multiple pillars of income is important

for people to understand so that they can live their dreams.

Right now, what I do is I travel around the world and present the

phenomenal strategy that helped change my life and my family’s

life. To me, it’s important for me to be able to explain to you and

show you how this strategy works. If I can assist you and help

you to change your life, that’s what I’m here for.

I have found my mission in life and by doing what I love and

doing it massively, I make a very comfortable living. I also have

multiple pillars of income, not just what I earn from my seminar

presentations.

How many of you have children? So do I. It is important that we

educate ourselves so that we can educate our children to think

outside the square. My father never did it for me. I don’t want to

repeat that with my children when it comes to building wealth.

Foreign Or Domestic? It’s A Choice

When I get to travel around the world, there is nothing like

coming home, to Australia. For many of us, overseas travel is

more exotic, more interesting and gives us better ‘bragging

rights’. Many of us hold the belief, whether we admit it or not that

anything ‘foreign’ is better, cooler, more chic and sophisticated

than anything we can come up with at home.


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Yet to millions, even billions of people living elsewhere, there are

fewer destinations more exciting, adventurous and ‘cachet’ than

a trip ‘Downunder’. What we take for granted as the everyday,

others see as exotic and interesting just as we see their city or

country. I guess it comes down to personal choice.

It is very important for us to ensure our children are educated

enough to make their own decisions when it comes to making

choices. We need to discover what is available to them and

allow them to make the choices in life that allow them to live

their dreams and reach their goals. Too many of us as parents

leave all of this to the ‘system’, the education system. We rely on

the schools and the teachers within those schools to educate

our children yet all they can do is pass on an academic course of

study. Is this an ‘education’? Does it really set them up for what

life will likely throw at them?

Does the education system teach us the value of a dollar? No

it doesn’t. It teaches us how many cents make a dollar and

how much a 20% discount is in dollars and cents, but that has

absolutely nothing to do with the ‘value’ of that dollar. Or how to

make it, spend it, save it or invest it. It teaches us what? To stay

in the rat race. True?

It teaches us to do this: Go to school, get good grades, go get a

job. Go to university, get better grades, go get a better paying job.

To do what? Pay more tax. Keep us in the rat race.


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The fact is the education system, the school system, teaches

people to become teachers. If they play the game they will do

a year in pre-school, then a year in Kindergarten, then six years

of primary school followed by another six years of secondary

school.

At the end of which, some will be able to go to university for

another three years for a Bachelor’s, followed by a year at

Teacher’s College.

At the end of it all they are qualified to teach other people from

the age of 4 or 5. If they just get the Bachelor’s Degree, they can

then do another year or two for a Masters and three years for a

Doctorate and at the end of all that, teach other people how to

do what they have just done.

A system to keep people in the rat race. How can someone build

a dream or a lifestyle with after tax dollars. It’s impossible in my

opinion.

The Well-Off Don’t Fear These Four

Of course, along the way most people learn things they then

apply in J-O-B’s that provide them with a single source of income.

They live in fear of losing their J-O-B, of getting ill, of having an

accident or of growing old. It was these fours life events that


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British Prime Minister Lloyd George said, nearly one hundred

years ago, were the things that worried the poor and threatened

their everyday peace of mind. This was why the unemployment

benefit (Dole) was created, to alleviate these concerns, concerns

the well-off don’t share.

Even if you have a good job and earn a good salary, there is no

guarantee you will have that job tomorrow. I don’t mean literally

overnight but situations do change all the time.

I can’t recall the last time I saw a record store (as we used to

call them). I remember in the 1980s how CDs took over from

vinyl records and it was all cassette tapes and CDs from then

on. Today, MP3 seems to be the format and most people are

buying their music as a download off the internet.

Record stores are becoming a rare beast; so what happened to

all the employees?

I looked at the web site of one of the biggest chains to find they

still have bricks and mortar stores but they now sell as many

movies as they do music. They have been able to adapt and

survive, even thrive.

But so many smaller outlets simply went under. They only

had the one pillar of income, music sales. They were not able

or willing to set up an online sales outlet to capitalize on the

changes to the way people bought their product.


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I popped into the local Blockbuster video rental store the other

week to find they now occupy half the floor space they used

to rent. They are not renting anywhere near as many DVDs as

they used to because so many people now download the latest

releases via the internet. The store sub-lets the space they no

longer need and they have just one person on every shift except

Friday and Saturday nights where there are two.

Given their competition also includes DVD vending machines

outside the local supermarket, it is not surprising they have had

to adjust their operation.

They only have the one pillar of income, DVDs. Sure they rent

and sell movies and they also rent out games, but pretty much

it is just the one income stream from the same customer base.


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Education Needs To Teach Change Management

What these changes in the way people buy music and movies

tell me is that we need to teach change management to our

kids. They need to be taught that change is the only ‘constant’

thing in this world. The only sure thing is that nothing, absolutely

nothing, will remain as it is now or was back then. Everything

and everyone will change.

There is an old saying that a man marries a woman thinking

she will never change and will always be as she is the day he

proposes to her. A woman marries a man thinking she can

change him and make him what she knows he can be, or should

be.

As they go along the path of married life, she changes and he is

not happy while he stubbornly refuses to change and she isn’t

happy about that! The end result is two people who find they

are at a cross roads and their personal paths are heading off in

opposite directions. If they had accepted change and worked

together, perhaps they wouldn’t be facing this split.

We need to change what we teach our kids and we need to

include training in how to manage change, or at least awareness

of change and its inevitability. One way to do this is to teach them

how to make a living using multiple pillars, multiple sources of

revenue or income.


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In simple terms, not relying on a J-O-B. That doesn’t mean they

should try and be an entrepreneur while still in High School.

We need people in J-O-B’s, we need people doing all the things

they do from driving the trains and buses to flying aeroplanes

and assessing insurance risk, cleaning toilets, selling clothing,

fighting fires and so on. Without people in J-O-B’s we don’t have

much of a society, let alone a civilization.

The secret is to have a job, not be stuck in a J-O-B, and the way

to make this happen is to understand how you can earn a living

through having multiple pillars of income.


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“The Fokas Beyond Strategy puts me in control of my own destiny.”

Despite a volatile period in the market the Fokas Beyond Covered Call system and the excellent support and expertise from the coaches has allowed me to earn some pretty decent cash returns as outlined below.

Shows me that even when a stock falls we can still make decent returns as long as we remain calm, patient and attentive.

A summary of my returns for October are outline below. ------

• Profit $942 or 3.21% (43 days)

• Profit $472 or 1.32% (12 days)

• Calls/Puts Cash ($842)

• Call Cash $225

• Calls(2) Cash $2455

Cash income for October is $3252.

I have also generated an additional $1375 cash from ASX stocks I have transferred over from Commsec.

Total Cash income for October = $4627

I signed up to Fokas Beyond in May 2019 after George’s presentation at a property seminar in Wollongong and went live in July after going through all the course materials and bootcamp videos and paper trading for a couple of weeks.

I realised immediately that the Fokas Beyond Covered Call Strategy was something that was low risk and doable with the support provided.


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I have covered the full cost of the membership subscription after only 3 months live trading.

Since retiring in December 2017 my focus has been on support and care of my aged parents and my family.

What is exciting is that George’s strategy works and I will be able to set up my three sons on the pathway to their own financial independence by passing on what I have learned and will learn from Fokas Beyond.

My wife and I are currently on the road for most of November heading across the Nullabor on a bucket list trip and will be checking in as usual as the Covered Call strategy can be done from anywhere with minimal time required which is brilliant .

I feel that the Fokas Beyond Covered Call Strategy with George and the coaches puts me in control of my own destiny.

I have held investments in ASX stocks as well as some international stocks over the years. There has been some successful and some not so successful investments for these holdings.

Having just completed my income tax returns this week and seeing again the mixed results from my portfolio activity I am becoming increasingly interested in restructuring my investment approach more towards the Fokas Beyond Strategy.

George’s approach is much more certain and involves less risk than my own results to date.

Regards

Peter


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Fear of the Unknown Makes You Risk AverseIf you learn how to invest your surplus income to generate more

value (make you some money in other words), then your J-O-B

becomes a pillar of income. It is one income source. The returns

on your investing the surplus income from that pillar form

another pillar. In time you can have a third pillar when you, say,

buy an investment property and rent it out and so on. Nowhere

does it say you have to get a second J-O-B, but you can if you

really want to. Not because you have to. Now perhaps you can

see the value of an education that teaches the value of a dollar

and how to earn lots of them. A lot of people with high paying

jobs are time poor.

While my kids are at school they have a J-O-B: school. They are

professional school children and their job is to learn as much as

they can and to be a proficient and diligent employee (student).

If they want multiple pillars of learning, I’ll get them a tutor. If

they want another pillar of ‘income’ then they can get that J-O-B

at McDonalds. But is that the best way for them to earn extra

income?

Sure they will learn a lot about life, people, working for your

living and many more of life’s lessons working there. They will

be trained to take orders and fill them, follow a system and a

program and they will be rewarded for their time and effort.


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But I thought, instead of having to go work at McDonald’s for $8

an hour and get abused by people like me, how about I teach

them how to invest on the stock market? Don’t get me wrong,

I’ve got nothing against children working at McDonald’s or any

other fast food chain. If they’re getting off their backsides to do

something, that’s good, but it’s not the only solution, nor is it the

best one.

I thought, instead of me going out to other countries and doing

anything outside of Australia, let’s educate our own kids here in

our own backyard. And that’s what this is about and that is what

I’m doing right now. I am starting with the parents because if I

can get the parents to see the value and truth in what I am doing,

then I will have their support.

If I have the support of the parents then there will be no problem

teaching the kids, because they will get the message reinforced

from Mum and Dad when they go home. If I can get this message

of mine out there to the current generation and the next, there is

surely a great deal of hope and positive thinking for our future in

so many ways, and not just economically.

People who have little fear of losing their job, getting ill or being

in an accident that prevents them from working and of being

unable to afford to live in retirement, are far more positive and

productive throughout their lives. They will achieve more simply

because they are more willing to take risks.


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People living in fear tend to stick to what they know won’t cause

any more harm or hardship rather than do anything that might

change their situation for the better. It is human nature.

Fear of the unknown makes you risk averse and that is a sensible

survival based strategy. If you have a job you hang on to it, even if

the boss is exploiting you and not paying award rates. You know

if you spoke up he would pay you then never give you anther

shift because he can hire a hundred people happy to work for

less than the minimum stipulated wage.

Having just one pillar of income leaves you vulnerable to such

exploitation. If you are armed with knowledge and the ability to

generate income through multiple pillars, such as investing on

the stock market, you are more confident you can find a better

paying J-O-B and you can leave that exploitative employer to his

fate.

Are We Ready To Investigate How We Do This?

Hopefully by now you will have formed the opinion that you need

to educate yourself on how to make multiple pillars of income

and that one way is through sensible investment on the stock

market.


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You accept that income from a single J-O-B is not the best

option and that by educating yourself as to other ways to make

a living you are giving yourself freedom.

Freedom to build your wealth and be able to make choices.

Choices that simply are not available to anyone who is chained

to a single source of income, a J-O-B. You want options, but you

realise options trading, as in guessing whether a stock will go up

or down, is NOT the way to go.

I think we have you on the right page, so let us begin.

Domestic or Foreign?

Have you heard about the Dow Jones?

It’s an index. There’s over 13,000 stocks or shares in the US yet

the Dow Jones only makes up the top 30. Overall since 1988, the

Dow Jones is going up. Can we consistently generate an income

off the stock market? Without trying to sound like President

Obama at his acceptance speech, yes we can!

Now, let me tell you something. If I said you can apply this

strategy on the Australian market or you can do it on the US

market, allocating the same time and effort, would you consider

the US market?


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Most people would, some wouldn’t. Those who wouldn’t might

have a fear of investing ‘offshore’. They might think that just

because they aren’t in the same country as their money, so to

speak, they have more chance of losing it. They might think

there is no ‘comeback’ if the money is invested overseas and

something goes wrong.

These are valid concerns but not ones that actually need to keep

anyone from making a good income from this method. You

can lose money just as easily in Australia if you simply gamble

and speculate, and there may be little ‘comeback’ if your broker

simply disappears or declares bankruptcy. The risks are no

higher or lower with the US stock market in that regard.

People in Australia when they hear about the US market will tell

me they don’t know the US market or the companies. Have you

heard of Yahoo, Apple, Microsoft, Google, Caterpillar, Johnson

and Johnson, McDonalds, Walt Disney, Avis Car Rental, Tiffany

and Co, Starbucks? They say we know the Australian market, we

know Woolies, they are the fresh food people….right?

So if I said to you, you can utilize this phenomenal strategy on

the Australian market to earn 1-2% on a monthly basis or, utilize

the same strategy with us on the US market, invest the same

time and effort, but double your returns, would you consider

the US stock market now? Double the returns yet allocating the

same time and effort?


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How many of you would like to generate an income from the US

markets while you sleep and bring it back to Australia? You can.

The beauty about this method is that it works for you while you

do something else, even sleeping. We do not stay up at nights

watching the markets.

The key to long term success and overall greater returns is to

be in this for the long haul. That means playing it fair and by

the rules because you can’t make money if you are in prison.

You can get as rich as you ever want to be legally and ethically

and you get to sleep at night. No worrying about a tap on the

shoulder or a knock on the door.

“An investment in knowledge always pays the best interest.” –

Benjamin Franklin


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“I’ve made 14% of my capital of $30,000 in 4 months!”

My name is Ka.

When I first saw George I loved his energy and the strategy sounded great but my husband and I didn’t join at the time, but from then on, the covered call strategy would come up now and again in our conversations.

In August 2018, we attended another event and there was George again presenting his strategy. This time we jumped onboard straight away. We’d been thinking about it for a good year and seeing George again was a sign!

We could see how the strategy can set us on a path to financial freedom and how the extra income will provide a better life for our growing family.

My husband and I have been in the property market for over 10 years and truth be told, it’s not doing a whole lot until we learnt new strategies and did a renovation and subdivision but the time, effort and initial capital investment is huge compared to the covered call strategy.

I joined Fokas Beyond end of August 2018 and started live trading mid-June 2019, so far I’ve made 14% of my capital of $30,000!

My time commitment is minimal, 5 minutes most days to check my positions, place a trade, and 30 minutes if I talk to coaches, do my own research or go through the education again which is awesome when you have a 4 year old and a now 4 month old to look after as well.


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I’m so grateful I crossed paths with George and so grateful for the coaches who are all so awesome, helpful, knowledgeable and patient.

So down to business, my trades for one month:

• $28.00 = 0.35% Profit

• $228.00 = 10.33% Profit

• $198.00 = 1.62% Profit

• $970.00 = 11.85% Profit

• $567.00 = 7.78% Profit

Total $1,991.00

My current goal is to not go back to work after my maternity leave so I am putting more ammunition into the strategy to realise that goal - I can see it happening!

Once again, thank you for sharing the strategy, it is life changing. So much gratitude to you and the team.

With love and appreciation,

Ka


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A Bit About Fokas BeyondMy business, Fokas Beyond, is staffed with professional investors

and world strategists with a combined level of experience in

excess of 20 years on the stock market. We all have a highly

respected global financial education. I have personally educated

over 30,000 individuals globally on opening their eyes to this

strategy and we are the foremost leaders in educating clients to

invest with this income strategy right now.

We have members in over 13 countries and we provide the best

coaching structure for our members to Learn. Grow. Prosper,

Together. Now, let’s look at financial reality. I know I have already

said some of this before but bear with me because repetition

does not entertain, but it does train and I want to make sure you

are on the same page with me.

We’ve been programmed to have one source of income in our

lives. A job. J-O-B. If you don’t stop to make plans or goals for

your future, you’ll automatically fall into somebody else’s plans.

And right now, those somebody else’s plans are your employer’s

plans.

You have your J-O-B because your employer needs what you

bring to the table; your skills, expertise, experience and even

your good name and reputation.


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Your employer trades off all of that to improve their own bottom

line. Along the way they give you some of the crumbs but rarely

any of the cream. You deserve more than that, but you don’t

necessarily deserve it for what you do in your J-O-B. You might

be very fairly remunerated for your input and productivity, even

over compensated or, you might be getting short changed.

What you need are multiple pillars of income, remember? So why

not the stock market and if so, why not the US stock market?

Why Does The Stock Market Exist?

The stock market exists to transfer vast amounts of money

from the uneducated to the educated. That’s all it is about. A bit

like a casino. They take the money from the punters and they

give them a little of it back now and then to keep them coming

back for more.

Some get more than others and more often, but these are the

very few and far between and they are merely bait to lure in the

great unwashed. Unwashed, uneducated, but cashed up.

The stock market is more subtle than a casino, but most gamble

their money away there, anyway. Most investors are gamblers,

speculators who are guessing the stock will go up or down and

by how much.


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So in regards to the stock market, or my stock market secret, I

simply do the exact polar opposite of what 95% of people do.

95% of people will follow the herd. I do the exact polar opposite.

And that’s why I’m here and that’s why I’m where I am right now,

because of that fact.

“The ultimate ignorance is the rejection of something you know

nothing about and refuse to investigate.” – Dr. Wayne Dyer


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Welcome to Fokas Beyond Covered CallsSo what exactly are Covered Calls. In the simplest of terms,

present here in ‘bullet point’ form, are the details:

• We purchase stocks on the US stock market in lots of100.

• We now can create an option against the stock for income

up front into our trading account the next trading day.

• The option contract we create is very precise. It has an

agreed price that we agree to sell the stock at and an expiry

date where the contract no longer has value.

• We write Option contracts on stocks we own for traders/

speculators who purchase our contracts on the hope that

they will rise in price and thus make a profit.

• The buyer of our contract agrees to purchase our stock at an

agreed price called a Strike Price.

• Global Investors trade the US stockmarket every day and

they will continue to do so as they have done for decades,

even centuries.

• The contract created has an expiry date, which is always the

third Friday of every month.


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• This allows us to generate an income of between 1.5% -

4% approximately a month irrespective of stock market

direction.

There are millions of option buyers in the stock market trading

options in the hope to make money. We create these option

contracts and sell them to the buyers and for this, we generate

a return irrespective of what the stock market or stock will do.

Our profit is made the moment they buy the Option. And the

money is in our account by the next trading day. We then sit and

wait until the third Friday of the month to see whether the stock

closes above the Strike Price or below.

If the stock makes strike and closes above the agreed price,

then we sell the stock to the option buyer and use the money

and the profit we received from day 1 to buy new stock which

we then write an Option on and sell that to another speculator,

banking the income from that transaction, our profit, the very

next trading day. Then we wait until the third Friday of the month

and the cycle begins again. Easy.

When I say, ‘write an Option’, it’s not like you have to hand write

the contract yourself. We use online brokers to implement this

for us through their platforms and just change the relevant

details like stock name, prices and so on. It is a few keystrokes

on a computer kind of writing.


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If the stock doesn’t make strike at the end of the month, then we

keep the stock and remember, the premium originally received,

then we are free to sell an Option on the existing stock again the

very next trading day. Saves us a brokerage fee having to buy

new stock!

The speculator who bought our Option contract might not, and

usually will not, hold onto the Option until the third Friday in the

month.

They will sell it to someone for a profit or loss depending what

the stock does during the month, then look for new Option

contracts to purchase.

The buyer of our Option will quite likely sell it on themselves and

this will go on throughout the month until the third Friday.

This is where the real gamblers might step in and try to make

the big killing. It can also be where the newbies get cleaned out!

You, meanwhile, don’t have a care in the world because whether

the stock makes strike, goes beyond or falls well below, you have

made your profit already from day1.


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The Stock Value Falls – Now What?

If the stock you hold falls and doesn’t make strike then the Option

buyer doesn’t have to buy the stock.

Yes, you now have 100 shares of a stock that is worth possibly

much less than what you originally bought it for but we cover

ourselves against that being a catastrophic loss simply by

buying blue chip stocks.

We don’t buy stock that we suspect might fall beyond a few

dollars or so. Of course crashes happen, but that is why your

education includes discovering how to read the market trends

and select the better stocks.

No guarantees but we can minimise the risk considerably

through applying the education we offer.

Worst case scenario you have 100 shares of stock that, in time,

will not only claw back whatever was lost but, if the last 100

years of trading is anything to go by and it is, they will increase

in value.

You only lose money if you sell the stock for less than you

bought it for and even then, depending on how much it made

for you from the covered calls while you owned it, you could still

be in front.


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Lets Look At An Example

We will call a Stock ABC, and we need to create an Option

contract at an agreed price, called a Strike Price. This means

that we agree as owners of the stock to sell the stock at a future

date, at the agreed price. If the stock reaches the agreed price it

is known as ‘making strike’.

The ‘future date’ always being the third Friday of each month.

ABC is trading at $20.00

We will create an Option at a Strike Price of $20.00. The buyer

of our option is willing to pay us $1.00 per share for the right to

be able to buy our stock from today, till the third Friday at the

agreed price of $20 per share.

Two things can happen at the end of the contract period. The

stock will either close above the $20.00 agreed price or below.

What the buyer agrees to is this: if, at the end of the contract

period, the stock closes at or above the Strike Price, they are

happy to buy the stock from us at the agreed price.

So if ABC closes at $20.25, the buyer takes the stock from us

and pays us $20.00 per stock as per the agreed contract in

place. Even if the stock closes at $20.00 or $20.01, the buyer

must take the stock from us and pay us back $20.00 per stock.


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This is done automatically by the broker and we don’t need to do

anything at the end of the month, it’s all done for us.

If the stock closes below the agreed price, (the Strike Price 19.99

or lower) on expiry, the contract expires worthless. We keep the

stock, we keep the premium that was paid to us from Day 1 ($1

per share so $100 in total) and we now create a new contract for

the next month on the same stock that we hold.

It’s that simple. At the end of the month, the stock will either

close above or below the agreed Strike Price. We will either sell

the stock at the end of the month or hold it.


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We will either create a new contract on existing stock we own

and hold, or create a new contract on new stock we purchase if

we were ‘exercised’.

Exercised means, the stock is taken from us and handed over to

the option buyer.

Looking at the example above, if the option buyer pays me

up front $1.00 per share in income, what is my break even? I

purchase the stock for $20 and receive $1.00 in income, my

break even is $19.00. This means we have purchased a stock

at a discounted rate compared to the average speculator who

purchases stocks on the market at retail.

We now have a $1.00 buffer on our capital to allow the stock to

move and still be in profit.

So if this stock during the month drops down to $19, I am still

ahead or at the very least, I have not lost any money because I

can sell the stock at $19 and I still have the $1 per share paid

for the Option, so I end up with the same $20 per share I started

with. Hence, I ‘break even’.

Lets look at the downside. At the end of the month, let’s say my

stock that I bought has now closed at $18.50. This is now below

my break even. Have I lost anything? No, because I haven’t

sold the stock. I still have the


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$1.00 paid to me which is liquid, physical cash, income. After

expiry, being the third Friday, what do I do on a stock that has

dropped? I go back into the stock market on Monday and create

another contract for the new month, earning us an income

irrespective of the price of the stock.

What you need to understand is this; because the stock has

closed on expiry at $18.50, it does not automatically mean that

during the next month’s contracts the stock will go below this

price. It could go up. It could go down. It could stay the same.

Do we know what the stock will do? NO.

Did we receive an income in the first month? YES.

Do we receive an income now in the second month from

creating a new contract even when the stock is now at $18.50?

Absolutely.

We cannot predict what the stock and the market will do, I’m not

here to tell you I can predict, I can’t.

All I know is I can earn income from the stock irrespective which

way it will trade during the month.


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This Is Not Guessing, Gambling Or Speculating!

Stocks fluctuate every day, they go up and down, and as we don’t

trade direction we are not guessing where they will be at the end

of the contract.

We are not gambling whether they will be up or down on the

third Friday of the month. We are not speculating that we can

make a killing… or not.

We are looking at the income potential of the stock because we

let the stock market do what it wants to every day.

In essence, the strategy is very straightforward with great

opportunity.

The best part about this strategy is that you can get into the

market utilizing our phenomenal strategy with as little as $2,000

in the case of our example where ABC Stock is selling at $20 a

share (plus brokerage fees). The return of 2% or 4% is the same

whether you buy $2,000, $20,000, or$200,000.

Our ABC Stock made us 5% on our investment. (5% of $20 is

$1). Had we bought $200,000 of stock, or twenty contracts of

100 shares per contract, we would still have made 5%, which is

$10,000.


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But if I said to you right now, with $2,000, let’s get into the

market, get your feet wet and discover the strategy, build a solid

foundation and build your knowledge so that you could build

your sky scraper… this would certainly be of interest to you.

If you had $10,000 and you potentially earned yourself a 3%

return, that’s $300 a month.

Now, we’ve got to take brokerage out, as this is a cost of doing

business, however brokerage is only a small fee per transaction

of between $8.95 and $12.95 so lets look at that later.

Let’s just say $300 a month. Can that potentially help you pay off

your home loan quicker or help build a property portfolio?

Absolutely it can!

It’s not going to make you rich, allow you to retire in a years time

or double your money.

I’m not here to make these claims, its not possible.

I’m here to educate you on how to earn a small return up front

on your capital from the stock market irrespective of the stock

markets movements during the month.


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“I earned a massive 7.76% in 15 days!”I started my journey with Fokas Beyond in April 2019. My partner and I started our passive income journey with property and were maxed out after only three years.

We needed to find another income strategy but none suited my lifestyle and restricted time.

The Fokas Beyond program was the first strategy that I thought I could do with my finances and time. I had a negative view on shares however knew nothing about them or how they worked.

I have a low risk profile and this is why this strategy suited me perfectly. The covered call strategy is not betting, it is calculated income and that is why I signed up.

I was so excited to get access to the online material and I got through all of it within two weeks. I was trading in the virtual account for a couple of weeks and then went live in May.

The following are my results for the month: • $260 (USD) or 2.25% for 17 days (not exercised) • $78 (USO) or 0.68% for 11 days (not exercised) • I earned a massive 7.76% $888 (USO) for 15 days (exercised).

All of these trades were the result of me clicking a couple of buttons and waiting until the expiry date, how cool is that!

I learn by doing and love the fact that I have access to a coach everyday to guide me through every step. You cannot put a price on that kind of support.

My reason for taking action is to pursue my dreams of helping others. I want to have the freedom and ability to create education programs that help others be their best selves.

I cannot thank you and your team enough as I finally have an exit strategy to my PAYG job so I can pursue my dreams.

Erin


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Why We Trade On The US MarketWhen it comes to this strategy, I don’t want to rely on anybody

else but myself. I don’t want to rely on fund managers. I don’t

want to rely on brokers. I don’t want to rely on computer systems.

I want to rely on myself. Here are some of the reasons we trade

on the US market rather than the Australian stock exchange:

• There’s just over 3,000 optionable stocks that we choose

from on the US stock market. Australia has just over 75, of

which only a dozen or so are worth considering.

• A $20 dollar stock with 100 shares as a minimum would

require $2,000 investment. 100 shares equals 1 contract,

these are monthly contracts. Australian brokers usually

insist on a minimum account balance of $10,000 to $20,000,

so you can begin making money for less on the US stock

market with $2,000 as opposed to $10,000.

• The US market is the prime driver of all global markets.

Remember our ethos of ‘creating the market’, not reacting to

it.

• Our members have accounts opened on average in 15

minutes and we start paper/virtual trading to show them

the process and to see the income in the account the next

trading day without the need to put real money into the


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markets. It simply is not that quick and easy in Australia

where it can take literally weeks to set up an account.

• The US markets trade 12 months of the year compared to,

effectively, just ten months in Australia due to low liquidity.

• You can’t always find an option buyer on the Australian

market, whereas the US market is always awash with them

when it comes to options traders.

• Brokerage in Australia ranges from an average of $40 to

$130 per transaction. In the US it is between $8.95 and

$12.95 per transaction.

• With returns of 2% to 4% a month, the US market out

performs the 1% to 2% average of the Australian market.

A $30 stock requires a $3,000 investment on the US market. It’s

clearly a better starting point for us to discover the benefits and

build a solid foundation for us. It’s about building confidence in

each member before moving to the next level.

We can create contracts every month, so we have an income

12 months per year. It takes 15 minutes to set up an account,

and as mentioned, our brokerage fees are lower. You have a

choice of which brokerage firm you want to use to implement

this strategy.


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I Know, You Want To Know More!

If you are still with me then I know you want to know more

so lets look at some recent examples of contracts written on

the US stock market. These figures were current at the time

of writing and of course, are purely an example to give you a

better idea of the whole concept of covered calls and how they

work. Unlike some of those ‘Make A Fortune On The Stock

Market’ ‘squeeze pages’ you find yourself surfing into on the

internet, these examples are indicative of average trades. When

I present this information at events around the world I use real

time data from the stock market web site so people can see for

themselves actual data from the market. This, of course, adds a

lot of impact and credibility but it is not something I can replicate

in a book; but feel free to do your own research.

Never forget, a return is better than no return and you can’t go

broke making a profit. Even if you do prefer the ten or so choices

the ASX offers, this method will still work.

Lets take a look at the US market and see the difference in

returns for the same time and effort. Remember, 100 stocks

(we say shares, the Americans use ‘stocks’ but they mean the

same thing) is the minimum on the U.S. market as it is on the

Australian market, however many Australian brokerage firms

will not allow you to buy a minimum of 100 as their fees will eat

into your profit. In the U.S. the fees are small and therefore, we

can start with less.


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We need to purchase a minimum of 100 shares of XYZ, which is

currently selling for $35.32. So 100 times $35.32 is $3,532. That

would be your minimum investment on the US stockmarket.

We purchase our shares in lots of 100 so if we have $8,000 in

the account, we could purchase 200 shares. With 200 shares

or 2 contracts, our capital investment would be $35.32 x 200 =

$7,064.00. Our return or income would also double compared to

buying just one contract, or 100 shares and the best part is, the

brokerage stays the same.

Lets compare our return with the Australian market, you will see

the difference and why we prefer to invest in the US market.

$35K – Better Invested On The Dow, Or In BHP?

Lets look at two examples from real life at the time of me writing

this. BHP on the Australian market and Delta Airlines on the US

market. Now this is not a recommendation for you to go out

and buy any one of these stocks. I want you to see what the

difference is right now on two quality blue chip stocks.


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Australian Market example

If we purchased 1000 shares on the Australian market using

BHP at $37.43, our investment would be $37,430. We write a

contract for an Agreed Price (Strike) of $37.50. Our buyer agrees

to pay $0.89 per share for this Option contract.

We received $890.00 income up front.

Brokerage for this example lets say is $40 per transaction. To

buy the stock is one transaction, to write the contract and create

this for the stock market is another transaction. $40 x 2 = $80.


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If our income is $890 and the brokerage is $80, then our net

return is $810.

$810 / $37,430 x 100 = 2.1% Return on Investment for 4 weeks.

US Market example

If we purchased 1000 shares on the US market at $37.87, our

investment would be $37,860. We write a contract for an Agreed

Price (Strike) of $38.00. Our buyer agrees to pay $1.35 per share

for this Option contract.

We received $1,350 income up front.

Brokerage is $12.95, lets round this up and say $13 per

transaction. To buy the stock is one transaction, to write

the contract and create this for the stock market is another

transaction. $13 x 2 = $26.

If our income is $1,350 and the brokerage is $26, then our net

return is $1,324.

$1,324 / $37,860 x 100 = 3.5% Return on Investment for 4

weeks.

Just compare this with the bank’s Term Deposit and the

Australian market.


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BHP was paying a return of $810 on an investment of $37,430

at the time I did these figures. For the same time and effort,

would you prefer $810 profit on your $37,430 investment or,

$1,324 on your $37,860 investment?

It’s not rocket science. Just think about what you can do with

this income on a monthly basis. How hard do people work for

this type of income. If you made that 3.5% every month for 12

months then you will make an annual return on investment of

42%! I’m not saying you will do that every month as the returns

are different every month. However, think outside the square.

There isn’t a bank in the world offering 42% interest on term

deposits.

Remember, approximately 54% of Australians own shares and

less than 2% actually do this. Some own shares through their

managed super funds and so have little opportunity but for all

those who own stock in companies in their self-managed super

funds or separately, so few are making anything from their

investment other than whatever it might or might not make over

time. How much money is left on the table every month due to

ignorance?


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This Is an Income Strategy From The Stock Market

Most US retirement accounts only allow this Covered Call

strategy to be transacted. We have all heard of the term ‘self-

managed super fund’. In the US, they call it a 401K/IRA. This is

the only strategy the US administration allows the Americans

to trade with their 401K / IRA. What does it tell you about the

strategy?

Now, what you need to understand is this: This strategy has

been in existence since 1973. We haven’t created this strategy,

but we have, I personally believe, perfected this strategy. This

strategy pays income.

We provide our members with stocks to consider every day.

Our education teaches our members to rely on nobody else but

themselves, not even us. Remember what I said about how I

want to be in control? I want to make the decisions about my

money? We practice what we preach and insist our members

develop the skills and knowledge to make their own decisions.

Remember the old saying:

‘Give a man a fish and you feed him for a day, Teach him how

to fish and he can feed himself for life!’


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We hold our positions even if the stock comes down, holding

on, earning an income because the income will eventually over

power the drop in stock value and we can then potentially close

the position at a Profit.

We don’t need to panic, we hold a tangible asset, being the

stock. Most people sit on stocks over many years doing nothing;

watching them go up and down and missing out on the income.

If any stocks do fall in price, most will, within three to six months,

go back up.

Let me show you what we have generated over the last few

months.

Remember Results

We invest only in BLUE CHIP stocks on the US market. Remember

there are 3200 Blue Chip stocks to choose from, so this allows

us to be conservative and ensure that the companies we invest

in are big companies where we know the stock will fluctuate up

and down and while it is doing this, we can still earn an income.


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You can’t go broke making a PROFIT!

Just imagine what Possibilities and Opportunities this can bring

YOU! There is no reason whatsoever why you can’t do this just

the same as I do. I get up at around 10:00am in the morning. I

turn my computer on, and I go, “Right, I have ABC stock, I have a

break even of (for example) $23.” How long do you think it takes

you to turn your computer on and log onto the internet? Two,

three minutes? You log into your account that’s online because

we have no software, no black boxes, nothing to download, it’s

all done on the internet. If you have a smart phone you can do it

straight from your phone anywhere around the world. You are a

Global Investor.

So, you log onto the internet and you go, ABC stock, I have a

break even of $23. Where is the stock right now, where is it?

What is the current stock price today? Is it above or below your

break even?

Above? Great, close your computer and check it tomorrow.

Below? Great, close your computer and check it tomorrow.

Can you do this?

The broker that we use has an application useable on all smart

phones and I can log straight into my account through there, I

don’t even have to have a computer.


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I don’t have to carry any hard drives, or even my laptop.

I can be anywhere in the world, anywhere. As long as I can log

onto the internet I can do this. Isn’t that brilliant?

Best part about this strategy is, whether the contract period

is for four weeks till expiry, three weeks till expiry, two weeks

till expiry or even one week, we can enter at any point without

having to watch or monitor the markets.

If I wanted to go on holidays this week, do I care if I don’t have

money in the market? NO.

With as few as just two days to go until the contract expiry date,

we can enter the market and earn a return on investment. Even

for just two days!

There are speculators in the market who will happily purchase a

contract for two days.

This means we are never in a rush to get into the market. We can

park our money on the side lines if needed. That’s the choice we

have, and choice is what this is all about.


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Time Is Not A Major Requirement

We don’t need to allocate much time to this so therefore, your

time can be allocated to building other pillars of income or

spending time with your loved ones. That’s what we call lifestyle.

Remember the ‘second job’ I was advised would be the solution

to my income issues?

Remember how much of my time would be stolen by a second

job and how little, effectively, it would have earned me? Imagine

my hourly rate of earnings if I invest one hour a month going

online, writing the Option contract, having my broker sell it for

me and then checking in at the expiry to see whether it was

exercised or I have to write it again for another month. If I make

$100, then my hourly rate of pay is $100. Investing more and

making, say $1,500 for the month puts me into the fee range of

high flying CEO’s!

I’m not here to tell you to retire tomorrow. I’m not here to tell

you I’m going to make you a million dollars overnight. It doesn’t

happen. No matter what those internet ‘Dot Com Guru’s’ might

try to have you believe, nobody is going to make a fortune sitting

beside the pool with their laptop for an hour a day, working the

angles with some internet based enterprise. Those guys do

make serious amounts of money but believe me, they also invest

considerable chunks of their time to keep the money rolling in,

no matter what the hype on their website suggests.


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For the vast majority of us, everyday people with a few thousand

dollars to start with, if we can start small in getting into the

market, at least start learning the strategies and building a very

solid foundation, we can begin to build our skyscraper. One floor

at a time. How high do you think we can build it?

As high as we want to.

So it’s a matter of taking small steps. In my case, it took me three

years. I didn’t want to retire, I wanted to be financially secure

enough to pursue my passion, my dream.

I have a dream, a mission in life and that is to educate others.

That is what I’m passionate about. I invest my time more in

educating others than I need to in managing my own income

pillars and investments; because I can.

Learn From The Trials And Errors Of Others

When I started learning how to speculate, I lost over $70,000.

Seventy grand in a year, if you recall. I went from one extreme

to another, from speculating on the big gamble, high risk

offerings to becoming very conservative. I wanted to preserve

my capital. So I started small, making more small returns and

then compounding it.


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I can say with confidence that usually I can compete against a

speculator, say over a 12-month period, earning what they do by

compounding the 2%,3% and 4% a month returns.

Most times, my members and I actually come out ahead. I don’t

make as much in one hit like they can, but then I don’t lose as

much as they do when it goes against them.

As I say, a Profit is a Profit and you cant lose making a profit;

even if that profit is only a few percentage points.

I’d rather receive small returns a month than try to make 50%

today, lose 60% tomorrow and spend hours of my time chasing

my tail.

Making 30%, losing 40%. Making 55%, losing 42% and so on.

I don’t want to go through that ever again because it is an

emotional roller coaster. It’s all about living your dream and

enjoying life and you can’t be having any fun if you are forever

watching the markets trading it.

You have absolutely no control over where the price goes,up,

down or remaining the same; yet 95% of investors gamble and

speculate.

That is not the lifestyle I want, nor should you.

Have You Had Consistent Success? If Not, Why Not?


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Here’s an answer that makes a lot of sense: the deck is stacked

against the retail investor and trader.

Do you have the skill to pick the stocks that will gain in value in a

few years, a few months, a few days?

Few do. The good news is that about 10,000 different magazines,

web sites and television pundits all know just which stocks you

should buy today.

The bad news is that none of them pick the same stocks. Good

luck picking the right one to follow. Do you have that rare skill to

time stocks like the successful day traders and swing traders,

and can you sit in front of a computer monitor all day waiting to

catch the moves?

If you haven’t had consistent success with your investing, there

might be several very good reasons why not.

Or maybe, just maybe, you’ve never deployed a strategy that

can work consistently in different markets, because you just

didn’t know there was one...

Let me raise my hand here and say that I have done ALL of the

above, so I’m not talking theory here! But even if you are doing

something that is working, consider the possibility of devoting

unused corners of your account to an income-producing

strategy.


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It’s all about cash flow, not investment savvy or stock-

picking.

What do guys like Warren Buffett and Donald Trump have in

common? The answer: cash flow. Business is measured by

its cash flow and the quality of its earnings. Investors and the

market all breathlessly await the earnings report, not the asset

report or book value report. Cash flow: business lives and dies

by it. Thus, how odd is it that Australian and American investors

are constantly exhorted to simply buy and hold unproductive

investments - something that no captain of industry or

businessman ever has done or ever will do?

It really is simple. Your money should be working for you -

conservatively, regularly generating income.

So now you have the alternative: income investing using the

Covered Call strategy.

Does the idea of using an income investing strategy to generate

2% to 4% a month on your funds appeal to you? That’s 24% to

48% annually, without any compounding of returns. Do you

like the idea of confining your investing to only high-quality,

conservative stocks, the kind that competent financial advisers

would recommend if they didn’t live primarily on commissions

on the products they actually recommend? How about using a

simple strategy to limit your risk in each trade to only a few

percent of the amount invested?


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Note: According to the Chicago Board Options Exchange (CBOE),

the world’s largest, writing covered calls is more conservative

than owning stock alone.

Take Control Of Your Money… And Your Future

If you had the choice to protect your capital on the stock market,

would you?

You can protect your capital on the stock market. Can you

protect 100% of your capital? The answer is NO! Unfortunately,

you cannot cover 100% of your capital.

If anyone tells you they can, they are dreaming, or lying. Nothing

on this planet is 100% guaranteed risk free. There are, of course,

ways you can increase the odds in your favour and minimise the

potential risk. There are ways to protect your capital at low cost.

The protection we have in place, for example, is purchased from

the stock market. There will always be risk on the stock market,

however, if we can protect most of the capital, know what the

risk is and what the return will be, up front before we enter the

market, there is no other strategy right now that can better the

one we employ for our members.


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You can protect between 90% - 99% of your capital when you

enter a covered call position for the month. Therefore no more

than 10% would be at risk when you enter the covered call

position for the month.

We use a small percentage of the profit we earn to purchase this

protection, while still earning a return on our investment. This

way, to protect our hard earned cash, we use none of our own

money but the income that comes in from the investment we

are protecting. We want to reduce our risk as much as possible

but also keep the cost of that protection down to a minimum.

Guess who writes the most covered calls of all?

The answer: In the US the large institutional money managers;

pensions, mutual funds, hedge funds, and any institution that

holds a portfolio of stocks. It only makes sense... why would

they just sit there hoping the stocks will go up when they could

make the portfolio in effect pay a monthly dividend by selling

call options against the shares?

The institutions sell more covered calls than anybody. If they’re

doing it, why aren’t you?


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Think about it: which side should you be on... the speculative

side or the income side?

The buy and hold crowd would exhort you to buy stocks and hold

them indefinitely and unproductively, whereas implementing the

covered call strategy the correct way generates 1.5% to 4% a

month in income - and you still own the stocks, if you want and

you can have protection on your Capital. Which sounds better

to you?


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“I have my 5 year plan and I will be flying First Class.”

My name in Dee - My story is not so remarkable but the opportunity to see my way to financial independence is.

As a single middle-aged woman looking for a way to support myself, as well as create an enviable lifestyle, I attended a real estate seminar in Brisbane in May 2019.

Through the seminar I was struggling with the amount of information, research and time that was needed to make money in real estate. I have a lot admiration for the people who had achieved so much using this strategy – but knew that it just wasn’t for me in my present circumstances.

Then at the conclusion George pops up and does his spiel.

It immediately made sense to me and ignoring my inner voice saying that this could be an expensive mistake and the inevitable “What are you doing Mum’ – I joined up.

I went live in September 2019 using my own money.

I have religiously gone through all the education and watched all the bootcamps at least twice - and applied all the rules (most of the time).

One of my first trades was 15/10/2019 - unfortunately the shares dropped quickly and my heart sank (trying not to get emotional) .

After some invaluable coaching and actually going it alone in the last month, I am very proud to say that I got out Feb 2020 at 8.2% (in less than 4 months) - heart sang (trying not to get too emotional).


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My trades for the month are below:

• $1682 or 8.01% 116 days - exercised

• $286.55 or 1.45% 4 days - exercised

• $216.78 or 2.53% 50 days - exercised

• $200.00 or 1.5% - Open

The COVID-19 virus didn’t help February trades at the end of the month but has given me insight as to what can happen in extreme circumstances.

However, with patience and guidance I know that my trades will eventually return a profit.

The support and encouragement given to me from the coaches and George are proof that the way forward for me is through the Fokas Beyond Strategy.

I know that I am still in my apprenticeship phase, still learning every day, and growing in confidence with each informed decision that I can make on my own - I have my 5 year plan and I will be flying First Class and spreading the word.

BTW my sons want to do this as well now :)

Thanks for all your help, George (coaches too).

Regards,

Dee


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At Last, The Decision!If you are like me, you would like to know what your risk is before

you put any money in the market. That is prudent and given

what we have learned about the bubbles and the crashes, the

gamblers and the speculators, a sensible thing to do.

Let me tell you a bit more in detail about Fokas Beyond and what

we do to help ordinary, everyday people like you and me make an

income through investing on the stock market.

Let’s say I outlay X-amount of dollars. I know what my profit is

and I know what my risk is before I put any money in the market.

How would you like to be in that position?

Are we in a better position to assess the exposure? Absolutely.

Investing the way we teach is like having a business of your own

with all the features and benefits of a true dream business.

My clients are members of a select group of investors who have

their own say in what they are earning and generating.

They have all the coaching available to them yet they have

true independence to invest in what they choose to invest their

money in. They have full control and complete choice.

The Universe rewards completions, not intentions.


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You Can Do This!

Now, can you do this? If anyone can, you can! Just think of the

possibilities for you and of course, your loved ones. We basically

educate you to be able to do this on your own, relying on nobody

but yourself. Truly you are your own boss.

Each member is allocated a coach, or mentor, who helps the

member learn the system thoroughly over twelve months.

They develop a plan that allows the member to learn the method

confidently and completely so they can operate the method on

their own. Basically members invest in themselves and their

future because an education is perhaps the one thing no one

can ever take away from you.

There is no future without an investment

There is no software to download or any special equipment you

need to purchase. Everything is done on the internet, online.

What we do is we give you the education you need to discover

how to build your solid foundation so you are able to do this on

your own.

Unlike many stock market educators providing speculative

strategies, we have no monthly subscriptions and no software,

just knowledge and proven methodology.


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Basically what we do is hold your hand and guide you for 12

months. We take you to the point where you’re able to do this on

your own without having to rely on anybody else.

How would you like to be in that position and not have to rely on

anybody else but yourself? We provide you with daily stock picks

for the first 12 months while educating you on how to scan the

markets and get into the markets to do this on your own.

You receive all the education online. Knowledge is power. Do you

have 5 - 6 hours right now to discover this strategy? In fact, you

know some of it anyway, purely by reading this. In just five to six

hours, you will discover the strategies to be able to get into the

market and do this on your own, with our guidance. Plus you will

also receive additional services from us. Would you like to have

direct access to the stocks I recommend to my members on a

daily basis?

Studies have shown the single most important factor the

helped most successful people was; they had a coach/mentor.

Someone who took them under their wing and showed them the

ropes.

Everything you need is locked up in the heart of a mentor.

If you’re looking for real guidance with all the questions answered

from someone who’s willing to share everything with you, I’ll

doubt you’ll find many qualified candidates.


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Plenty of people out there will take your money and they no

doubt know what to do and might even be able to teach others,

but that doesn’t mean what they teach is the right stuff.

Take Action Now And Be Part Of The 5%

Someone once said to me that success in everything is 95%

simply turning up! Most people fail to take any action, to do

anything to change how they are and become the way they

want to be. How serious are you about improving your financial

situation?

Do you really want to discover how to generate income on a

monthly basis on your investments?

To create a second pillar of income that will help you achieve

financial independence?

How serious are you about having a personal coach who will

guide you and hold your hand for the next 12 months and teach

you these strategies?

Come to the specialists who have been implementing and

educating on this strategy for over ten years and we can educate

you and guide you and ‘hold your hand’ as we teach you how to

generate income on a monthly basis.


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What does it mean to you to have a coach holding your hand and

teaching you and, if necessary, giving you a friendly ‘kick up the

backside’ that’s going to torment you if you don’t do anything?

Most of us have all the will in the world but we just need a push

now and then and a shove from time to time until we break the

old habits and develop new, better ones.

We don’t offer support, we offer coaching. Someone dedicated

to helping you create new, life changing habits.

If you’re willing to take action and you’re willing to discover this

strategy, to earn income, we are willing to put our time into this

to guide you.

Your dedicated coaches will guide you with your studies, guide

you with opening your account to trade, assist you with your

stock search and your stock review, assist you with how to place

your trades, monitor your trades and you’ll also have access to

our other coaching teams.

“Watch your thoughts, for they become words. Choose your

words, for they become actions. Understand your actions, for

they become habits. Study your habits, for they will become your

character. Develop your character, for it becomes your destiny.” –

Ralph Waldo Emerson


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Model What We Do And Do It Well!

I concluded that, unfortunately, only a few want to hear how

to become independent and free. To do this, you need to stop

identifying with the false beliefs you have internally, do what you

want to do (instead of ‘working for a living’), and live in joy, which

is what we are designed to do.

I felt going through this journey as if I were my own minority

group. I truly do want to know that which I don’t want to know

and this is what changed my situation. Most people want

security over freedom.

As most people identify with their beliefs, giving them up would

present the fear, ‘who would I BE?’ If they were to open their

minds, drop their preconceived notions and their psychological

prejudices, let go of the concept that their beliefs are who they

are, they might become enlightened. Millions of unconscious

people are not taking responsibility for their inner peace.

Success isn’t something that just happens - success is learned,

success is practiced and then it is shared. Welcome to Fokas

Beyond.

By now you want to be taking assertive command of your

financial future, where money is no longer a limitation but a

potent tool you have with power and impact. So what’s stopping

you?


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If you want to know more, please contact us and allow us to

show you the way where we want you to;

Learn. Grow. Prosper. Together


170

“Five months after we started live trading, we got back my original investment – TWO and a half times!”

I came along to your presentation in Oct 2016. It was actually my husband who wanted to come but he was working overseas at the time, so I came as proxy.

Just to listen to you, without making financial decisions on my own.

“He is good, I like him - we might sign up some time in the future”, my hubby said.

So I was sitting there on a cold, rainy evening, listening to you, and things started resonating with me:

FOKAS! Focus on your goal , on where you want to go and what you want to achieve in life; the quality of life you want to have without being a slave to investment properties or even worse, risking great amounts of money into various get rich schemes, while balancing a JOB.

FOKAS, I thought! Focus on one investment approach that has proven to work, and that works if you apply it consistently without the need to put a big effort or a dozen hours per week to learn the skills.

That evening I made the decision to trust my instinct , my eyes and my logic, too. You see, we have a rule at home not to make financial decisions without consulting each other.

Guess what? I broke the rule! I thought - yep, sometime in the future we might join. But why wait? Why not act NOW?

Time is my most precious commodity.


171

If I want to get a return soon, I’d better invest right now!

Was it a wise decision? Yes! (Hubby concurs).

Five months after we started live trading (we paper traded until April 2017), we got back my original investment – TWO and a half times!

Working in a team (with your directions, with the coaches and office support) has helped us move steadily onwards and upwards.

So I am very pleased to share our results, which we see as humble this month (because we have been spoilt with some amazing percentage returns in some of the past 5 months) .

Does it give me a great satisfaction to look at our trading account? Yes.

Do I feel like I can trust the system and coaches’ advice - absolutely!

Below are our results for the month of October:

$546.00 1.82% in 15 days $1,390.00 3.26% in 10 days $819.00 2.48% in 4 days $1,200.00 4.50% in 31 days

And by the way, my vision for the near future is to replace my JOB income with my trading income. I am more than happy to replace 9 hours of work/day with 10 minutes of screening my trades and updating my spreadsheet.

What do you think?

With gratitude,

Elena


172

“I’m secretly aiming to replace my husband’s full-time income!”

G’day George,

It is great you are having a fantastic time with your family in the States.

I thought I put myself out there for the investor of the month as I have been quite consistent... with you and the coaches help, of course!

Exercised on 24/3 made $224.00 - 1 .57 % for 4 days Exercised on 7/4, made $262.00 - 1.89% for 8 days Exercised on 14/4, made $328.00 - 3.33% for 8 days Exercised on 20/4, made $248.00 - 1.74% for 9 days Covered call $233.00 for 7 days - 2.45%, still own stock.

So in total I made $1295! This is my best month so far!!

I have been with Fokas beyond for 15 months and paper traded for 3 months then live trading after that. I joined Fokas Beyond as I knew someone doing it and he said it does actually work.

I was quite sceptical, as my husband did the Optionetics course a long time ago with not much success. However, after I talked to George personally, I changed my mind. I think I talked to him 3 times, with more questions to ask each time.

George was thorough and professional over the phone, I was convinced he was genuine.

I actually didn’t even attend the 2 hour info night... reading up on George’s strategy, a testimonial from a friend, and chat with George were enough to join up.

My husband was like, “You are the one who said not to do options anymore!”, as I was the one who asked him to close everything and get out, to never touch it and never say the word “option” again. And here I am deep into it. :)


173

I’m a busy mum with 3 kids. I decided not to go back to work full-time as I wanted to stay home with the kids, so I only work part time.

With this month’s income, it’s almost the same as me doing the part time work.

How fantastic is it that I don’t need to get out of the house to be able to make money?

Now that I am used to it, it really only takes 10 minutes every day to review positions most of the time. I just stick to George’s rules and I am getting results.

I have done some investment courses in the past and not much happened. Some were too hard to follow and did not give enough support - I felt stranded .

Fokas support team is great. It makes all the difference. I love being able to talk to them 10 am -10pm... they are so helpful.

Even when I need a few minutes chat for reassurance or lengthy questions. It gives me a great peace of mind that they are there most of the day.

It’s a great system and I really wouldn’t have been able to achieve good results without the support of the coaches. Also if I ask George something, he replies to my questions himself ... you know most of investment course founders don‘t do that.

I am so happy to have found this strategy. I am planning to put more money into it, to invest and earn more in the future. Secretly aiming to replace my husband’s full time income one day ...

Thank you George, and coaches John, Kevin, Maxine, Greg and Sharon!

Cheers,

Toshie xx


174

“Thank you George for what you have done for us to improve our lives”

My name is Mark and I’ve been a member of Fokas Beyond since March 2015.

I attended a presentation at Parramatta in March 2015, because I was curious as to how I could make money with minimal effort.

Whilst the event was promoted as ‘free’, I paid $27, because I’m an information person and I

wanted additional details.

Well, I only needed 15 minutes to be convinced the Fokas Beyond Strategy was exactly what I wanted to do. I wanted to join right then, but I had to wait nearly 2 hours (whilst George finished his presentation) ... I was ‘pumped’.

Anyway, I virtual traded for over 6 months, until I got the ‘courage’ to use my own cash. That first ‘live’ trade was a big step ... now it’s become second nature to me!

During 2016, 1 ‘dabbled’ with both some SMSF monies and a separate trust we established. I earned enough to pay towards our spending monney for a trip to the USA 12 months ago.

Anyway, after the December 2016 bootcamp, I knew if I really wanted to succeed, I had to become serious!

I signed up in October 2016 ... It’s a fantastic tool and it saves me a lot of time and I know exactly how my positions are perform ing and it enables me to find the best position, especially when it comes to % return.

As I place covered/collared calls on ‘weeklies ‘, I want to compare what my best return is going to be ... the current week or the following week.


175

Have I made any mistakes? Of course I have, but it’s all part of the learning process.

Am I concerned about stocks showing a ‘paper loss’ ... definitely not, it’s only a loss if I sell stocks that are below my break-even, so I’ll never be doing that, because I follow George ‘s strategy .

Do I spend 60 minutes a month on my ‘business’?

I could if I wanted to, but I believe in the more effort and time you put into something, the greater the rewards! So, I spend at least 2 - 4 hours a week on learning and trading, because I love what I’m doing!

Do I use the coaches for guidance? Absolutely, they help me with my teaming, so I speak to them when I need assistance.

Currently, we have 2 Fokas accounts and our SMSF Is showing a profit of US$33,000 net (after commissions are deducted) and the trust we have is showing a profit of US$14,500 net.

There’s no other investment I can think of that’s returning us so much money. I intend to open a trust account for my 10 & 8 year old daughters, as well as another trust account with my sister, that will be 4 Fokas acccounts! Am I committed ... you bet I am!

Have we spent some of our profits from the smaller trust?

Of course we have ... we have a lovely new leather lounge, we have just paid for a cruise in the New Year and we have some house renovations to do, so the profits are going to pay for our improved lifestyle!

My goal is to quit my everyday JOB and replace my income (and more) and live off our investment returns. We just need to do those renovations first!

Total Profit = US$3,706.86

Thank you George for what you have done for us to improve our lives ... so far!

Best wishes

Mark


176

“4.86% Profit in one just one month”My name is John,

I joined the Fokas Beyond family in 2015 but with other distractions and the lack of fokas to study how the strategy worked I procrastinated for over a year, even after doing two Melbourne boot camps.

In April this year it was realised that my triad of 35 years in horticulture and my own business of 14 will come to an end in March 2018.

Push came to shove. I had to do something to earn an income. Up until then the only way I knew how earn income was to physically dig a hole and plant a plant.

So I applied some ... fokas ... commitment, studying the education and began practising paper trading in April 2017 for a few months.

I quickly saw the potential of creating an income, and how things came together. I wasn’t going to become a millionaire over night or a few nights but in a couple of years I could create a comfortable income. In July 2017 I went live.

I was very nervous trading with my hard earned. Everything became real. I started small to test the water and each month putting more money Into my trading account. Reviewing what I was learning and talking to the coaches.

“Its still a work in progress but man am I making progress.”

This is a sign I have in my office that speaks volumes.

There is some uncertainty of what next year holds for me as my business will be finishing end of March 2018 and no concrete direction of the next stage of my life.


177

Developing the tools and understanding of Cover Calls I can see how I can create an income using George’s education freeing me to finally pursue my life’s mission and not just a job to pay the bills.

The surprising thing is I’m really enjoying the covered call strategy, studying and implementing the education, moving money around and most of all .... the money I’m making!

October expiry was an amazing month for me, beyond my expectations and I’m sure not the norm, but I’ll take it. 4.86%.

November expiry was another great month, 3 positions with the following returns.

2.97% for the month and the position is still open.



Thank you George and to the crew you have put together for your support.

With the deepest respect and regard thank you for what your doing..

Regards

John


178

“I wish I had been introduced to this strategy 20 years ago! ”

My name is Todd and I joined your program in November 2017.

We first learnt about the George Fokas program whilst attending a 3 day boot camp for realestate Program with my wife, Amanda.

You got up on stage on the Saturday night to present and we liked what we heard and the energy that you conveyed and it sounded too good to miss so we signed up that night.

I spent a lot of time during my recent Christmas holidays reading and viewing the Fokas education.

I placed my first live collar trade on the 11/01/2018 of 100 stock from your stock pick.

I was exercised 9 days later and made a profit of US$108.09 = 2.66%. Yeehah!

Not a huge amount but as you say a profit is a profit! I am on my way and have started my journey with initial balance of $10,000AUD. But have recently increased to $20,000 AUD.

It feels really good to be one of the 5% who is creating the market and not speculating on the market. I would like to thank you for allowing me the opportunity participate through your platform to this wonderful strategy.

I joined Fokas because we want to build up our passive income and not be solely reliant upon our JOBs to make ends meet plus to realise our dreams.

I am very optimistic about this strategy however will take it month by month for now to ease my way into it and build up my knowledge and confidence.


179

I am amazed how powerful and clever it is.

I wish I had been introduced to this strategy 20 years ago! I can’t wait for the Perth boot camp in May 2018.

Look forward to meeting up with you then and learning more about this great strategy. Thanks and take care.

Regards,

Todd


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“I never imagined this would be my path and I love that.”

My partner, Steve joined in December 2015 and I took over the membership just after our baby was born around May 2016.

My partner Steve has always had an interest in trading options and he joined immediately when he met you at a presentation.

He secured a new role of employment soon after which kept him far too busy for

any additional projects and so swiftly passed the Fokas Beyond membership onto me.

I’d never done any kind of trading or anything similar and really didn’t imagine I would have been capable. Trading was really outside my scope of understanding.

So anyway, It went somethlng Iike this:

Me: “I can’t do that. I’m hopeless with numbers, “

Steve: “You have to do It. I don’t have any time “

And so that was that.

I have PTSO (Post Traumatic Stress Disorder) which means, ironically, that I have a great deal of trouble focusing at times. My brain gets jumbled and foggy very easily, and I’ll often lose my train of thought mid-sentence.

I have found I am highly capable of a great outcome with the Fokas Beyond strategy. Even If I have to triple check everything twice over and repeat myself to the coaches (both common symptoms of PTSD).


181

I have found I love numbers. And the market and all it has to offer.

I find it intersting and enjoyable, I never imagined this would be my path and I love that. I love the element of surprise.

It’s a really great feeling. To find something you really love and find so interesting - and in such a serendipitous way (as my husband dumping the membership on me)

Very, very quickly I came to love trading covered calls and George‘s whole program.

I spent many hours on the sofa, new born baby in my arms, going through the online education and watching the workshops over and over again.

Still to this day, most of the time when I’m onllne with the coaches - still several times per week If not every day - I’m breastfeeding my baby at the same time or just cradling her In one arm while she sleeps and trading with the other.

My results for the month of August 2017 as follows;

$386.20, 3.47% in 2 weeks, 90.19% annualised

$134.71 2.71% in 8 months, 4.07% annualised

Being with Fokas Beyond has been really wonderful. It has allowed me to feel I am contributing financially to our family’s future while being able to care for our baby at home.

As well as being another part in the story of us becoming independently wealthy and financially free.

Educating our daughter on how to be empowered regarding her financial situation is very important to us and this contributes to that vision also.

Warm regards,

Kim


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“This system George has taught me will be life changing.”

My name is Vesna and I got to experience George at an education session in early March this year.

I didn’t know what the session was about expect that it was titled as a bonus session and I hung around to see what it was about .

I am so glad I stayed, it was the first time in a very, very long time that I could see a light at the end of the tunnel. A real opportunity for me to learn how to create a passive income.

I was hooked by George’s energy and passion and his system.

Since March I ate up all the education and mentoring/coaching sessions. I also set myself a goal to begin live trading by the time I attended my first Boot camp, and I achieved that.

Along the way I doubted myself. Could I do it? Would it really work the way George said It would? All those thoughts and everytime I would shut down the negative talk, Georges daily emails and messages helped me along the way.

I know that this system George has taught me will be life changing, It already is for me, my confidence level my belief In myself..

I know I will create financial Independence for myself and not have to work for someone else.


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I have being live trading now for 2 months and have attached the trades.

• 31 days S234 Profit (3%)

• 24 days $575 Profit (3%)

• 28 days $250 Profit (2%)

• 4 days $388 Profit (1.31%)

• 9 days $186 Profit (1.57%)

• 10 days $146 Profit (2.18%)

• 6 days $200 Profit (1.8%)

• 13 days $260 Profit (2%)

Thank you George, you have already changed my life.

Vesna-


184

“My overall net asset value has increased by approx 5.2% - IN LESS THAN 100 DAYS! ”

My name is Richard, I signed up with Fokas Beyond near the end of 2017, and after several months of paper trading, I (nervously) entered into my first live trade on 30/5/2018.

Since that time I have done about a dozen trades, all but one of which I have successfully exited profitably (the exception I am still holding, so no realised loss yet, and will monitor and try to trade back into profit).

My overall net asset value has increased by approx 5.2% - IN LESS THAN 100 DAYS!

Extrapolating that gives me an expected return for a full year of around 19% - not too shabby for a complete novice!

Over the last month, I have written 4 covered calls: • income $1203 (8.32%) • income $204 (2.03%) • income $142 (1.12%) • income $112 (1.56%)

The question for me is not why I joined up with Fokas Beyond, but why I didn’t join up earlier! To be honest, the system that George sells sounded too good to be true, so although I have been aware of Fokas Beyond for a couple of years, I have shied away from it.

It was only after talking to a number of Fokas Beyond members that were achiev ing results just as stated that I decided to commit to having a go. I sure am glad I did!


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I now have a proven vehicle for generating cash flow that will allow me to accelerate my journey towards financial freedom.

Working with the Fokas Beyond team has shown me a path that I was previously unaware of, and will help me hit my goals much earlier than I previously could have.

The returns I have achieved so far with Fokas Beyond have exceeded what I have been previously been able to achieve with positive cash flow real estate - and I still have 2/3 of the year left!

Considering I am only investing a few hours a month into this strategy (which I expect will reduce as I become more competent/confident), it really is hard to beat.

One of the things I am most excited about is teaching this strategy to my kids!

It will be great to know that they have a strategy that will hold them in good stead as they move out into the real world, and will allow them to pursue their passions, rather than getting chained to a corporate position for the financial “security” it provides.

A huge thank you to the team at Fokas Beyond for opening my eyes and holding my hand as I embarked on this journey.

I now have a vision for financial security and independence that is crystal clear and I have proven to myself that it is achievable.

I am looking forward to getting more money in the game now so I can magnify my profits!

Regards

Richard


186

“I made 4.18% for a 3 month investment. Annualised = 16.58%!”

Hi, I have been with Fokas Beyond for two years. I virtual traded for about 8 months which enabled me to grow my knowledge and build my confidence in the strategy.

Once I was ready I transferred $20,000AUD and started live trading.

I quickly realised that if I had more money invested I could get a better return, so I sold my investment property and in late March 2018 I invested a further $120,000AUD into Fokas Beyond covered calls.

For the month of September my trades are:

• 1.08%, income= $258 Covered Call

• 2.59%, Income = $500 Covered Call

• 1.17%, Income = $279 New Call

• 0.73%, Income = $189 Covered Call

That’s $1,226 for the month of September that I can compound back into my investment.

I joined Fokas Beyond because I believed that George was genu ine and that covered calla would be a good investment strategy to grow my money over the long term.

There are a lot of investment schemes out there but I trusted the Fokas Beyond Team.

I definitely made a good decision investing in Fokas Beyond Covered Calls and will continue to use this strategy.


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So far for this financial year I have made $4,495USD of income with $107,500USD invested which equals 4.18% for a 3 month investment.

Annualised = 16.58%! (And the markets have been down the last couple of months)

The Fokas Beyond Team provide a great service. The coaches are really helpful. George provides regular emails with inspiration and advice.

The admin team are friendly and attentive. And the Fokas platform and App are great tools to keep up to date with your trades.

I highly recommend the Fokas Beyond Covered Call Strategy if you want to grow your wealth, but it does takes work and commitment.

It’s a long term strategy. But I can already see my wealth growing.

Kind regards,

Sean


188

“I love being in control of my finances and love being able to work my own hours.”

I attended a wealth creation seminar in Melbourne about 3 - 4 years ago and this was when I first met George and was impressed with his story and could see that this strategy was able to be learned by anyone who wanted to learn.

It was then that I signed up and joined Fokas Beyond.

My reason for wanting to purchase the education is no different to why most people will purchase the education; hoping to achieve financial independence and work for myself working my hours.

I had also lost faith in financial planners and stock brokers.

I had a stock broker who I had never met and was advising me on what stocks to buy. In time learnt that his recommendations was not for my benefit but for his own.

I read through the course material and communicated with the coaches regularly for a few months. Things became a little challenging and I soon gave up on learning. This was due to a variety of reasons including health, work and family commitments.

A few years passed and I had overcome a health concern and I was now more determined to make this work for me.

In November 2017 I re-joined Fokas Beyond and felt that I was now fully committed to make this work.

I gave up my JOB in December 2017 to focus wholly and solely on the education and trading. I had set myself a few goals and one of them was to place my first live trade by February 2018.


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Shares that I had bought and held for years and years which equated to about $42,000 was transferred into an account that I had opened ready to re-embark on this new journey.

My first goal was achieved when my first live trade was placed in February. The two stocks that I had held for years and years had now generated me an additional income of $1,125, which equated to a 2.6% return for that month.

A year into my education and I now feel competent in placing trades and monitoring my own positions. It is now a new routine for me and it takes very little time - 10 minutes a day at most.

Thank you George, your program will give anyone who commits to it the education and financial freedom, if it is what they really want.

I would like to also thank the coaches for their dedication in helping me understand the strategy and also guiding me through understanding the platform and managing the trades.

They have helped motivate me and have played an immense role in my success in implementing the strategy on what can seem a daunting brokerage platform.

Below is a snap shot of my activity for the month of October for the two stocks that I currently continue to hold:

Total $ Return for the month of October is $400.00

Total % Return for the month of October = 3.44%

I love being in control of my finances and love being able to work my own hours. I am no longer governed by a boss who dictates to me when I need to be at work and how much I will be paid for my efforts.

Financial independence has allowed me to work the hours that I want so that I can spend time doing the things that I want with my family. It is a wonderful feeling.

Thank you

Maria


190

“Fokas has given me hope that I can earn and build income to a level where I can work towards buying my own home again.”

My name is Tricia and I have been with Fokas for about a year and a half. However, for the first year I had other things to deal with and so didn ‘t really get going on the education properly until about 9 months ago and then started live trading about 6 months ago.

As a single mum, with no family around for support, I work part time so I can look after my son properly who is still at school and has some extra support needs.

I work in a low paid industry, despite having to be highly qualified and having a lot of responsibility.

We also lost our house through the divorce leaving me with no assets. Since then I got priced out of the housing market and have been in rental accommodation ever since.

My dream is to own our own home again so my son can have a cat again – we had to give our cat away as rentals don’t take pets in Sydney 95% of the time.

Getting back into the housing market is a huge struggle, but Fokas has given me hope that I can earn and build income to a level where I can not only give up my job, and replace my income, but earn more than my current income.

This way, I can work towards buying my own home again.


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There are so many other projects that I want to work on too, to express myself and fulfil my higher purpose, that I will be able to work towards when I have more time from earning through

Fokas as opposed to a JOB.

Last but not least, I am finding it really interesting and enjoyable learning about options trading and having the support, and sometimes a laugh, with the coaches!

An efficient laugh I hasten to add .... there ‘s no time wasting!!!

I am enjoying the whole Fokas adventure and appreciate you sharing your specialist knowledge and that you have such a great team, from the team in the office, the investor team, as well as the coaches.

I have found the level of support fantastic.

I am now very much looking forward to the next bootcamp.

My trades for one month are below:

• $208.92 in 9 days 1.19%

• $556 in 18 days 3.06%

• Averaging $382.46 in 13.5 days 2.12%

Totalling $764.92 in 27 days 4.25%

Kind regards

Tricia


192

“I now feel confident that I wlll have a significant amount of money in my super fund at my retirement.”

I’m Spiro and I have been with Fokas Beyond for a few months and already Fokas Beyond has changed me and my life in many ways.

I have had a few businesses over the years and always lived the financial roller coaster.

Many highs and even more lows. I got to a point where I accepted that I would never get ahead and would have to work really hard to just survive.

Then I stumbled across Fokas Beyond.

I turned up to one of George’s seminars. It was an amazing experience. He filled the room with this incredible positive energy. I remember the feeling very well and looking around the room, I could tell that pretty much everyone else was feeling the exact same thing.

He told us his story. He presented his strategy. He explained it in a way that was very easy to understand.

I have never had an interest in the stock market, so at first I was worried that I would never be able to do this. But George reassured us that his coaches and himself will guide and support us every step of the way. I knew at that point this was definitely for me and I signed up. I’m glad I did.

I wanted to try Fokas Beyond with my super fund.

At the end of last year, my total amount in my super fund was less than what it was at the beginning of the year. Sad right?

So I started to trade and now my super is actually growing.


193

I am learning, and building wealth and confidence with the help, guidance and support from George, the coaches and the training videos together with the boot camps.

The first live trade I did made me 1.99% for 9 days gross or 1.72% net after brokerage.

I am amazed because now its real and in my account.

I’m actually excited about having super and feel confident that I wlll have a significant amount of money in my super fund waiting for me at my retirement. BOX TICKED!!!

I am super motivated to get my personal investor account up and running parallel with my SMSF investor account, to start building wealth that I can use right now.

Thanks to Fokas Beyond and the training , I now have a completely different mindset about my whole life and the way I see things and the way I deal with life. It has completely changed me in many ways.

It not only is teaching me how to live a better and positive life and in addition, patience with investing. Because we will not become rich overnight, it is a process and it takes time.

We have recently booked flights to Greece for a family holiday that I have not done in 21 years. All of a sudden it’s all coming together, my mindset and life has taken a huge positive turn already.

Thank you George. You reminded me to dream big again. You reminded me that I am the only one stopping me from success. You reminded me that if I put my mind to something, I can do it.

It is truly incredible.

Thank you,

Spiro


194

“I am excited about generating my income in a way that suits me.”

As you say you’ve got to be in it to win it. I’ve been with FB since end October 2018 and went live middle of April.

I placed my first - Trade on 15 April eagerly anticipating it going through overnight. I was a little deflated the next morning, but I know from my virtual trading that can happen.

I subsequently placed a couple more collar trades which also did not go through and then quite a few days with no stock picks. I thought well I’m getting a good lesson in patience which is a really good thing .

Success came on the 9th May with my return being $390 or 2.92% for 8 days.

Then I placed a collar trade on 10 May which returned $354 or 2.06% for 7 days.

I was ecstatically happy with the results!

I had been looking for a way to generate income from home for quite a while. I am a single mum and on a disability pension due to a very long term chronic illness, hence the need to work from home.

It also could not tie me to the computer for too long, however generate enough to sustain me and my children financially.

I was at a one day seminar on property and George spoke at the end of the day. Immediately I knew it was what I was looking for. I signed up on the day.


195

I am so glad I signed up and followed through with my first intuition. I am excited about generating my income in a way that suits me.

I like being part of “George’s family”. All the coaches have been so helpful.

Being with Fokas Beyond has given me the opportunity to work towards supporting myself financially.

My 19 year old son is also showing a great deal of interest and has started saving to join up.

Thanks so much,

Tess


196

“This Investment Strategy will allow us to have choices.”

My name is Kim. I joined Fokas Beyond 5 years ago, after attending an event in Melbourne.

At the time, we were investing in property and could see the potential that this strategy could provide as another income stream to help prop up our rentals.

I got my Virtual Trading Account up and running to educate myself and gain confidence and knowledge for when I was able to commence Live Trading .

Virtual trading was proving to me that the strategy did (and does) work.

In October last year, a SMSF was set up and I took the leap to start Live Trading (with lots of excitement and nervousness) ....... YAY!

My Trades for the Month :

• 214 days $2139.00 = 8.45%

• 11 days $ 525.00 = 2.43%

• 64 days $1304 = 9.00%

• 11 days $392 = 1.18%

At the start of July I opened another Live Trading Account (Outside of Super) and this is what happened :

• 11 days $240 = 1.42%

• 10 days $192 = 1.16%


197

The money I invested was sitting in our Home Loan to reduce interest. I was saving $136/month in interest.

I decided that investing the money was a better investment option :)

This Investment Strategy will get us back to a better financial position and it will allow us to have choices.

Choices to leave our J.O.Bs if we wish to, to travel and work in remote places and to buy or build our dream home.

We can take this anywhere we go and continue having our money work for us.

Slow and steady.

Thank you,

Kim


198

“I love the fact that you can do this from anywhere in the world (yes I have done this!!). ”

My name is Kamal, I have been a big investor in property since 1992 and have consistently had success with this.

For a number of years I have dabbled in shares and traded with very good returns but was always uneducated on this... very risky!

I have always been interested in stocks and after a couple of years of hearing about Fokas through property events I decided it was something that I needed to do.

Of course family members started being negative ... be careful. ... people have lost lots of money ... etc etc ... But that’s the thing, you protect your capital so that you minimise your exposure. I am a big fan of diversification.

I really wanted to add this strategy to my wealth portfolio to accelerate my cash flow, pay down property debt and I just enjoy life that little bit more. Don’t get me wrong ... l definitely enjoy life already!

I joined end of January 2019 and went live end of June 2019 and honestly since joining I have not looked back.

I love the fact that once you have the education behind you, it doesn’t take much time at all and you can do this from anywhere in the world (yes I have done this!!).

I am absolutely still learning and will continue to dial in everyday as the coaches are amazing with their knowledge and patience.

Now to my live trades.


199

I have only started with $10k AUS but I wanted to go live to continue learning as I felt like I needed to kick start the fear factor of using real money:

• Return $0.44 per share or 0. 78% 11 days

• Return $0.41 per share or 0.99% 10 days

• Return $1.12 per share or 2.27% 8 days

This strategy has made me excited again about moving forward and let’s not lie, about getting older.

I always thought that my retirement would be well funded and I would be able to do whatever I wanted, but this has taken it to another level where I can now see my family all sharing in this.

It means spending more valuable time with the family and not having to worry about making $$$$. This is probably the most important thing to me as my parents are both quite elderly now and having more time with them means everything.

Kind Regards

Kamal


200

“The ten or so minutes I spend each night to generate the results I am seeing is absolutely phenomenal.”

My name is William, I am in my early 30’s, married seven years and have two children.

I am a Melbourne trained optometrist working in partnership running a busy and high volume practice. My wife and I own several properties that are tenanted either long term, short term (Airbnb), or commercially.

I learnt early on in life that to achieve what most people don’t have, you have to do what most people aren’t willing to do.

I have always been warned against investing in the stock market as it is unpredictable and can cause you to lose money.

But if George Fokas and thousands of others have found success with this, then why can’t I? There must be something they know that I do not, and I must find out what it is!

Four years ago I made the move from being employed to being my own boss as I wasn’t satisfied with my salary.

Our properties are either negatively or neutrally geared so the income is negligible. We have enough to live comfortably now, but our investments so far are only in capital growth, and it was time to secure more cashflow for the near future.

I am now six months into the program and so far it has been a real eye opener and nothing short of exciting. It had taken me three years to climb onboard and I only wish I had done so sooner.

I tell my patients it is my job to be “OCD” when refracting for their glasses prescription. So naturally I took the same approach with


201

the education, spending two months carefully absorbing the theory, watching all of George’s boot camps at least twice through and speaking to the coaches on most days.

I have now been live trading for six weeks. I had one position (my very first trade) I managed to enter into in March. Stock held for five weeks, gross return of 5.6%, gross income of $341!

During the month I had the opportunity to write two options, both of which expired. With the help of a rise in the stock price between expiry and speaking with the coaches after the Easter long weekend I ended up closing my position all together grossing 10.7% in just under six weeks.

No doubt I was ecstatic with these results. I think about it all day at work and even dream about it at night.

The five to ten or so minutes I spend each night to generate the results I am seeing is absolutely phenomenal.

It is just the strategy we need as we are able to invest without a lot of locked up capital and receive income that we can access straight away.

My five year goal is to sell my shares in my business. I plan to step back from full time work to spend more time at home with the kids and hopefully finally have the chance to enrol into a PhD in optometry, something I have thought of doing for a while.

We all have the same number of hours in a day and days in a year. Being able to use this time the way it matters most to me is what I know Fokas Beyond will help me achieve.

I am grateful for Fokas Beyond I have yet another reason that makes me want to jump out of bed every morning!

Cheers,

William


202

“The life changing potential of this strategy is just mind blowing and I am so excited to be a part of it.”

It’s Luke here!

I have been with Fokas beyond since late August 2018 and have been live trading for just over a week.

Even this early on, I can tell that joining Fokas Beyond has been one of the best choices I have ever made for mine and my families financial future.

This month I made my first ever live trade and earned 1.9% (US$270)for 1 day!

Up until now, I had dabbled in the Australian stock market and experienced nothing but loss and disappointment despite all the research I did.

This strategy has proved itself to me after only 1 trade!!

The life changing potential of this strategy is just mind blowing and I am so excited to be a part of it.

I can see my long term future sitting on the beach in a beautiful country, placing trades and having my money working for me. I now truly believe this is not a pipe dream!

Thank you so much George, I am very excited to continue this journey with you and everyone at Fokas Beyond!

Regards

Luke

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