          
          
          
          International Investing Provides More Investment Choices
          
          
               If you invest exclusively in the U.S. market, you
          miss the opportunity to share in the potential growth
          of some of the leading companies in the world.  Scan
          the list of products below, and you'll see many
          manufactured by non-U.S. companies that are "household
          names" in America.
                    Aquafresh                     Beecham
                    Baskin Robbins                Allied Lyons
                    Burger King                   Grand Metropolitan
                    Carnation                     Nestle
                    Close-Up                      Unilever
                    Dannon Yogurt                 BSN
                    Dewars                        Guinness
                    French's Mustard              Reckitt & Colman
                    Frigidaire                    Electrolux
                    Glidden Paint                 Imperial Chemical
                    Holiday Inn                   Bass
                    Lean Cuisine                  Nestle
                    Dunkin' Donuts                Allied Lyons
                    Lucky Strike                  BAT
                    Mighty Dog                    Nestle
                    Panasonic                     Matsushita
                    Pillsbury                     Grand Metropolitan
                    Purina Dog Chow               British Pete
                    Q-Tips                        Unilever
                    Ragu                          Unilever
                    Sudafed                       Wellcome
                    Sunkist                       Cadbury Schweppes
                    Tetley Tea                    Allied Lyons
                    Travelodge                    Trusthouse Forte
                    T.V. Guide                    Newscorp
                    Valium                        Hoffmann-La Roche
          
               As you are probably well aware, a diversified
          portfolio gives you the opportunity to enhance your
          overall return while reducing risk.  So it's only
          logical that going beyond your border to invest would
          produce the same results.  Trends in foreign stock
          markets generally do not always correlate highly with
          bull or bear market cycles in the U.S. stock market. 
          While one or more foreign stock markets may at any time
          be moving in the same direction as its U.S.
          counterpart, longer-term correlations are low.  This
          means that diversifying beyond a single market, such as
          the U.S., should reduce the overall volatility of your
          stock portfolio over time.  In addition equity markets
          in one or more foreign countries almost always
          outperform U.S. stocks each year. 
               Some American investors dismiss investments in
          overseas companies as risky, but they are living in
          yesterday's world.  Many overseas investments are more
          conservative than their U.S. counterparts.
               For example, Swiss drug stocks typically have a
          price-to-earnings ratio less than half that of U.S.
          companies.  (Dividing a share's price by the company's
          earnings per share is a basic way to compare stock
          prices.)
               Think of brand names known worldwide for
          investment potential.  Companies such as Coca-Cola,
          Boeing, Disney, Ford, Citicorp, and Philip Morris are
          so multinational that they are not dependent on the
          U.S. economy, which is one of the things an investor
          would like to achieve.
               A number of Canadian resource stocks are traded in
          the U.S. over-the-counter market, and on the Vancouver
          Stock Exchange.  Most of these are highly speculative,
          but a certain small part of every portfolio should be
          devoted to speculation.  For more information on
          techniques for making money in small speculative
          stocks, send for a brochure from Penny Stocks, Dept.
          70197, P.O. Box 5385, Cleveland TN 37320.
          
          
            Putting Your IRA or Pension Plan into International
          Investments
          
               U.S. law requires that assets in pension plans be
          physically held by a trustee in the United States.  For
          two products -- foreign currency certificates of
          deposit and Swiss annuities -- a service is available
          that will let you place these products in your U.S. IRA
          or pension account.  
               International Financial Consultants of Rockville,
          Maryland, using the services of the venerable Delaware
          Charter Guarantee and Trust Company, can provide the
          required custody and accounting services.  Delaware
          Charter was founded in 1899 and now manages over US$8.5
          billion in trust assets, the largest of any non-deposit
          U.S. trust company.  However, they will not offer their
          services directly, but only through intermediaries.
               Michael Checkan and Glen Kirsch of International
          Financial Consultants provide a service in which IFC
          handles all the year-end currency conversion accounting
          required by IRS rules, and Delaware Charter compiles
          the annual reports to the IRS.  They are well known in
          the financial newsletter industry and at one time or
          another have been recognized as a "recommended vendor"
          by many of the writers in the newsletter industry.  The
          principals, Michael Checkan and Glen Kirsch have been
          in the foreign exchange business for a combined total
          of 50 years.  
               For further information write to International
          Financial Consultants Inc., Suite 400A, 1700 Rockville
          Pike, Rockville MD 20852 and ask for information on the
          offshore retirement account service.
          
          
          
