Graham Summers is the founder and editor in chief for GPS Capital Research, an investment newsletter firm in Virginia. He writes International Wealth Advisory, a financial advisory that has outperformed the S&P 500 since inception. Annual subscriptions to International Wealth Advisory are $99. Summers also offers three month trial periods during which time subscribers can receive full refunds if they are not pleased with their results. He also writes Global Stock Monitor, a FREE daily e-letter covering financial markets around the world. This year alone he has introduced readers to two high quality international mutual funds, the best gold plays, and how to profit from the continued collapse in housing. Readers have made 30%, 40% and even 60% following Graham's suggestions there. Summers has a long track record of beating the market and making major calls. He forecast the collapse of Fannie Mae and Freddie Mac as far back as 2006. He also predicted the collapse of Bear Stearns and Lehman Brothers in November 2007, a full three months before the former went under. Most recently Summers predicted the Crash of September 29 2008, warning his clients to get out of the market two weeks in advance.