Evolution in Ecuador and Guess Where

Ecuador & evolution have been familiar partners for a long, long time.

See how evolution can bring opportunity in Ecuador and one new place I’ll name below.

In June 1831, the H.M.S. Beagle set sail from England under the command of Commander Robert Fitz Roy on a 4 year surveying mission that included the 22 year-old Charles Darwin, a former medical and then divinity student at Cambridge. After three years of surveying the South American coast, the Beagle reached San Cristobal Galapagos in September 1835 and spent 5 weeks carefully charting the archipelago.

Darwin made careful observations about both the geology and biology of the islands and was particularly struck by the”differences between the inhabitants of the different islands.”

That trip to Ecuador was a unique scientific opportunity that revolutionized the way much of the world thinks.

Darwin is often credited with the theory of evolution, but many other naturalists had already developed this idea by the end of the eighteenth century.  Darwin’s great contribution to science was that he solved this mystery of how and why evolution occurred. The answer, which he called natural selection, finally occurred to him in 1839.

Now in Ecuador there is a new form of evolution that Merri and I have been following for about 15 years. This is a a global evolution created by a wave of emigrants from North America.  Many of them are immigrating to Ecuador.

How Big Is the Emigration?

We can get a feel of this wave of  Canadians and Americans leaving their homeland from a survey done by Zogby International of adult Americans on the subject of relocation outside the U.S.

With more than 115,000 respondents, the organizer of this survey had  the largest and perhaps only database on this topic.

Zogby wrote:  A total of 103,645 adult Americans were surveyed in six polls conducted from September of 2005 through December of 2006. The margins of error range from roughly six-tenths of one percent to one percent. Because the words “migration” and “migrant’ have different meanings to different people, we chose to use the words “relocation” and “relocator”.

Results shown below are from our most recent December 2006 survey of more than 21,000 Americans, unless otherwise noted in the text.

Surveys of this sort begin with one “gateway” question and a set of responses that divides re- spondents into categories before moving on to more specific questions suitable to each category. Our “gateway” question was as follows:

Are you planning to relocate to another nation for more than two years for reasons other than the requirements of the military, the government or your job?

This was intended to narrow our results to those who were voluntarily relocating. Our responses were as follows:


Then they asked where


and looked at age


and how much they planned to spend.


Plus their income breakdown and…


where they would go by income group.


Here is what I gained from studying this report.

#1: About 13 million Americans planned to leave the US full or part time or at least own property abroad.  

#2:  The areas of greatest interest in order were Europe, Canada, Central America (read Mexico) and South America.

#3:  The age groups most interested in moving were aged 18 to 30.

#4: The group with the largest percentage who were moving were those with income over $100,000.

#5: That the largest percentage of those planning to buy abroad expected to invest $100,000 – $299,999.

#6: That the largest percentage planning to buy in South America are in the mid range income ($35,000 to $40,000) a year.

#7:  Not in the report but it has been our belief… that we are now seeing as fact is that Ecuador will get a large percentage of the South American expats.

Changes From 2007

That study was undertaken in 2005 and 2006 at the height of the Western world’s easy credit, real estate bubble… before it burst.

Many people were feeling very different about money at that time.

I suspect that if the the survey were taken now the numbers would be larger but for different… more economically pressing reasons.

Fortunately we have something even better than research like the Zogby study.  We have experience.   Research shows what people say they are going to do.

Having brought thousands of people to Ecuador… we have observed what people actually do.

To date a majority of readers and delegates by far have purchased and or settled mainly in three areas: Imbabura, Cuenca and Ecuador’s mid coast.

Potential Bumps Up as Well

Each of these three areas has also have potential good news that will make them even more attractive.  Imbabura has been a bit far from the Quito Airport… almost two hours away.  Quito’s new airport is 45 minutes closer to Imbabura, almost done… the access roads are being put in and December 2012  is the planned opening.

The new Quito Airport may also give Cuenca some help.  The existing airports in Quito and in Cuenca are in town, close to heavy population and cannot be expanded.  Their short runways prohibit day lift offs of fully loaded large planes so all international flights tend to land late at night thus requiring Cuenca travelers to spend a night in Quito.

The new Quito Airport is at a lower altitude and have longer runways (international standards) so flights may arrive in time to allow connections to Cuenca the same day.

Bahia… the town to be on Ecuador’s mid coast  was blocked by the Chone Estuary… and often a two hour wait for a ferry. A bridge across the Chone is now complete. New roads from Quito have also been built and I predict that soon the airport in San Vicente (for Bahia) will be  expanded.

All of this means that these three areas are likely to become even more attractive.

On top of this, there is another great asset that will help Ecuador evolve:  US real estate developers.

Many developers who have great skill but are in trouble or out of business up north are bringing their skills down south.

This adds two benefits.  First, many of these developers really are good. They have a lot more experience than Latin developers.

Second, many of these developers are thinking sustainable! Part of the evolution in North America will help real estate construction in South America.

Take, for example, the US developer, Warren Adams, who purchased about 60,000 ares in Patagonia.

A Fortune article at management.fortune.cnn.com/2011/03/10/warren-adams-searching-for-profits-and-saving-patagonia/

Says:  Warren Adams, As I warm by a fire in the living room of the Patagonia Sur eco-lodge, Adams, a lean, athletic man whose green eyes relay a quiet intensity, explains that Melimoyu (pronounced melly-moy-you) is only one of six holdings that Patagonia Sur (sur means “south” in Spanish) owns in the region. In all, the company has bought some 60,000 acres — about half the size of New York City — in some of the most remote and beautiful areas of Chile (see map). On this land the company plans to engineer as many as 10 profitable, environmentally sustainable businesses. The goal: to create proof that land can be developed for profit and remain unharmed, a vastly different theory from previous schools of land management. “It’s a model,” says Adams, “we hope to scale in developing nations around the world.”

He may sound like a wide-eyed visionary jousting at green windmills, but Adams is backed by an impressive roster of 40 hard-nosed investors who have put up a total of $20 million so far. (The company hopes to raise as much as $200 million.) They include Howard Stevenson, a professor of entrepreneurship at the Harvard Business School, and John Fisher, founding partner of the Silicon Valley VC firm Draper Fisher Jurvetson.

So far Adams has created three income streams — an ecotourism venture that works on a vacation club/membership-fee model, a land brokerage, and a carbon-offset business that sells credits to schools and corporations. In the future Adams plans to sell land for vacation home and eco-lodge developments and consult with local salmon farms on how to fish more sustainably. Perhaps one of his most original ideas is to float millions of gallons of pure water in giant baggies from his glaciers to drought-stricken areas of the world, but more on that later.

Adams has no illusions about the difficulty of his task. When asked what keeps him up at night, he says he worries about achieving a balance between development and conservation. At what point does sustainable development become exploitative? How many ecotourists and vacation homes are too many? What effect will taking millions of gallons of water from his land to sell overseas have on the ecosystem? Adams is creating the first private land trust in Patagonia to permanently protect the company’s land. Will it hold up in the courts if challenged? Will powerful mining and agricultural interests in Chile start eyeing its gold and timber wealth as Patagonia becomes more open to the outside world?

The Kalu Yala development in Panama is another good example and says:  Kalu Yala is on a mission to change the way the world builds, invests and lives. To change the way the world builds by using open collective input to design places that are right for their location, their community and their purposes beyond those which can be measured in dollars. To change the way the world invests by searching for the true complexities and risks of investing in order to make long-term commitments to building value through the creation of rare and authentic places. And to change the way the world lives by making people aware of how the places where we live affect our quality of life and how we can have a voice in determining what those places are.

We believe sustainability is what used to be called practicality. And that social and environmental responsibility are what build the social and environmental capital that make great communities both more resilient and more valuable than most of what has been built in the last fifty years. Kalu Yala is simply an answer to the questions we have encountered over our lives and in the last four years of working in a special place during a difficult economy. With your help, we hope to get them right, to unearth the questions that still need answering and to share these answers with the world so that all who wish might be able to use them.

A truly sustainable community, Kalu Yala is founded on the core tenants of culture, new urbanism architecture, organic food, wellness, recreation, education, preservation and conservation of the natural environment. Kalu Yala will be designed using an innovative process called “Naked Development”. This transparent and collaborative effort utilizes input from innovative leaders in organic farming, finance, sustainable architecture, community design, future residents of Kalu Yala and the online audience. The result is a living community model, able to evolve in response to the demands of its visitors and residents, and driven by social, environmental and economic purpose.

In short, property developers are evolving also. Perhaps hardships in North American real estate have provided the lessons that teach there is more to developing than squeezing our short term profit from every square inch of land.

This is while we’ll be keeping an eye on the Hacienda Palo Alto development in Cabuyal north of Bahia Ecuador.


Here is a Bahia Ecuador development update.


We have long written that when the bridge over the Chone was complete, the coast from San Clemente to Canoa to Pedernales would be one of the best investment opportunities on the planet.   There is plenty of demand for coastal real estate in this area, but there has been a lack of quality product with just one good development in Jama

Now a Latin developer, with US roots… Unexpected Development, is building in this area.  It is also involved in several projects in Ecuador, Uruguay and Honduras.

Unexpected Development is starting a new opportunity on the coast of Ecuador, called Hacienda Palo Alto, which consists of 183.5 hectares (453 acres) with 1.2 kilometers (appx. .72 miles) , of which 955 meters (appx. 3,000 ft.) is for the development/houses etc.

Hacienda Palo Alto is about 22 miles north of Bahia de Caraquez.

See more pictures of the property here.

This is what the beach looks like looking to the south:


The property is lush with flora and fauna, and features howler monkeys, parrots, wild orchids, streams, and a river. There are many hiking and horseback trails that have already been created, and 300 teak trees, 600 white cedar, and 400 maracuyá (passion fruit trees) have recently been planted, as well as hundreds of palm trees lining the beach.

Unexpected Development is conserving and preserving a majority of the land and will build on only a small portion.

The company has its residential split and urbanization permits for 166 lots with an average size of roughly a half-acre lots and plans to begin selling lots in the next couple of months.

Unexpected Development is sponsoring an updated Bahia Report offered free to our readers.  Sign up for the FREE Bahia report here.


The new place where we are seeing evolution? Cuba. See tomorrow’s message why.

Visit Hacienda Palo Alto on an Ecuador real estate tour.

2017 Schedule

Enjoy Time in the Good New Days

Many people yearn for a return to the good old days.  This is a mistake.  Those days are gone and will never return.  Honestly they really were not that good.  We would be sorry if they were here now.  The future is better and for a special few the days, months and years ahead will be much better than the past.   We plan to be among them and invite you to join us in an easier, freer, richer, safer world.

Soon you will be reading… again, about how instability in the US dollar threatens our lifestyles.  The dollar, once the world’s reserve currency is burdened with debt and deficits that threaten economic and social order almost everywhere.  This is nothing new.  In fact, deterioration in the greenback is one reason for a seven decade downward spiral in your and my freedom.  When we work hard and save carefully, but get less and less in return, we become boxed in.  It’s a never ending rat race.  This is a trap, a downwards spiral where the more dollars we get the less we can buy.

Learn how to have more freedom and time, less stress, better health care, extra income, greater safety and profit in your savings despite America’s deficits, debt and currency risk.

downwards spiral

A downward spiral of the US dollar began the downward spiral of our freedom.

Fortunately there are secrets that will allow a few to live much better, free of debt and worry despite the decline in the dollar’s purchasing power.   My wife Merri and I have traveled, lived, worked and invested around the world for nearly 50 years to gain this information.  Let me share the basics of this data and how it can help you.

The first fact behind this secret is that things are really good in the western world.  Despite the many problems, we are surrounded by more abundance and greater opportunity than almost anyone has ever enjoyed, anywhere, ever.   To enjoy a fair share of this wealth, all we have to do is understand human nature and learn how to invest in the new economy, as it changes and becomes new, again and again.  Merri and I have made seven huge transitions in the 50 years.  Each has allowed us to always stay ahead of losses that the majority of Americans suffer.  We are in another transition right now and want to share why and what to do so you can stay ahead and live a richer, independent life too.

The concept of democracy, as we learned it, has weakened, but we still have free will and do not have to let poor government, wars, economic and social injustice blur our well-being.  We can still be free and responsible for our health, our income and our wealth.  The majority of people blame on government and big business for economic failure.  They want them to fix the problems, step back from the change and rebuild from what they perceive as ruin.

The few who succeed see change as a gift instead.   No change is a guarantee that nothing gets better.  Evolution brings destructive innovation but such change is not ruin. It is opportunity.

The change in the purchasing power of the US dollar is one of the greatest risks we have to our independence, safety, health, and wealth, but is also a chance for huge profit as I explain below.   Though the greenback has been strong for a number of years, its strength is in serious jeopardy.  The growing federal deficits increase the national debt and this with rising interest rates propels a growing debt service.

When the Dow Jones Industrial Average recently passed 20,000, another milestone of “20” took place that has a much darker meaning to your and my spending power.  The U.S. national debt passed the $20 trillion mark.

The problem is that the Dow will come back down.  National debt will not fall.

In the past decade US debt nearly doubled and the Congressional Budget Office estimates that the rate of  debt will continue to rise for at least ten more years.  That debt is all the debt issued by the US  Department of the Treasury since 1790.  In other words in the ten years from 2006 to 2016 the US government added as much debt as it had accumulated in the previous 216 years!

That number does not include state and local debt.  That number doesn’t include so-called “agency debt ( debt issued by federal agencies and government-sponsored enterprises) which is “guesstimated” to be another $8.6 trillion or so.  That  dreadful number does not include the so-called unfunded liabilities of entitlement programs like Social Security and Medicare.

Do you feel burdened by personal debt?  Well, add the Federal National Debt because per person it is over $60,000.  If one adds in all the other debt each and every American owes over $100,000!   For each family of four, our friendly Congress has added an extra $400,000 debt.

How can America pay this back?

The answer is they cannot.  However there is good news.  Payback actually does not matter.  No one expects the US or any country to ever pay back all its debt.  Isn’t that nice? We all owe $100,000 but don’t have to pay it back?  Right?

Here is the bad news.  Everyone does expect every country to pay its national debt service.   This is why we know there will be a downward dollar spiral.  You see when debt service gets too high, governments always let the purchasing power of the currency fall.  It’s a dirty trick.  Someone owes you a bunch of dollars every month and they pay it.  The problem is those dollars buy less clothing, less food, less housing and energy and less everything.

Wait a minute isn’t that good for us?  If we each owe a $100,000 but get to pay it back in devalued dollars, don’t we reduce our debt?   Yes, but those are the same dollars we are paid with.  Those are the same dollars that pay for our food, our clothing and our shelter. Those are the same dollars in our savings account so the reduced purchasing power lowers our standards of living too!

Go to the store.  Buy some bread or, heaven forbid, some fresh vegetables like peppers or fruit.   Look at the cost of your prescription or hospital bills.   Do something simple like have your car serviced at an auto dealer.  Look at the dollars you spend and you’ll see what I mean.

A huge dollar conundrum looms from the rising national debt service as well.  During most of the last decade when the national debt was skyrocketing, interest rates were plunging and remained really low.  Now rates are starting to rise as will the US national debt service.  This chart from the Congressional Budget Office (CBO) shows that debt service is expected to more than triple in the next ten years.

dollar charts

Largely due to the Federal Reserve’s aggressive efforts to keep interest rates low, the U.S. government is paying historically low rates on its debt.

The CBO projects, unless the law changes, US national interest costs will more than double over the next 10 years, rising from $270 billion in 2017 to $712 billion in 2026 and totaling $4.8 trillion over the period.  Interest costs are expected to continue climbing beyond the next 10 years and are projected to be the third largest category in the federal budget by 2028 (after just Social Security and Medicare), the second largest category in 2046, and the single largest category in 2050.

These interest costs add up to trillions of dollars that won’t be spent on roads, on the military, on health care or the environment or schools.  That rising debt service creates a vicious cycle that can only lead to a devaluation of the US dollar so the debt can be paid, but in phony terms.

The loss of the dollar’s purchasing power erodes our independence, our freedom and our savings and wealth as well. 

At the same time, low interest rates by big banks and higher health care costs soak up the ever diminishing income and savings we have left.  According to a Gallup poll, the most unpopular three institutions in America are big corporations & Wall Street banks, HMOs and Congress.  Yet there is little we can do because these institutions are in control.

Over the last 50 years the average income for 90 percent of the American population fell.  Our health system is restricted by a Kafka-esque maze of legislation and insurance regulations that delay, frustrate, and thwart attempts by patients and doctors from proper medical care.  Big banks and corporations restrict our freedom of choice.  The business customer relationships are no longer transactions between free equals.

Banks can trap us in indebtedness at every age from student loans to mortgages to health care costs.  They pay almost nothing on our savings.  They hide unexpected fees and payments in complex and unreadable documents.  Banks and big corporations routinely conceal vital information in small print and then cheat.  Weak regulations and lax enforcement leave consumers with few ways to fight back.  Many of these businesses ranging from cable TV to phone and internet service to health insurance have virtual monopolies that along with deceptive marketing destroys any form of free market.

These same companies control the credit-scoring agencies so if  we don’t pay unfair fees, our credit scores will plunge and we could lose the ability to borrow money, rent an apartment, even to get a job.  Many consumers are forced to accept “arbitration clauses” in lieu of  legal rights.  The alternative is to lose banking, power, and communication services.

Big business has also usurped our privacy.  Internet companies sell our personal data.  Personal information is pulled from WiFi and iPhones track and store our movements.  The government can access this information, sometimes without subpoenas.  There’s a lot that we don’t know, often withheld under the guise of “National Security.”

The glow on Western democratic capitalism has dimmed… or so it seems.  The US, leading the way, is still a superpower with economic, innovation and military might, but the institutions that should serve the people have become flawed or broken.

America’s infrastructure is in shambles.  The nation’s bridges are crumbling, many water systems are filled with toxins, yet instead of spending more to fix this, we build more prisons.  The 2.2 million people currently in  jail is a 500 percent increase over the past thirty years.  60% of the inmates belong to ethnic groups.  Not just non-white ethnic groups are suffering.  Annual death rates are falling for every group except for middle-aged white Americans.  Death rates are rising among this group driven by an epidemic of suicides and afflictions stemming from substance abuse, alcoholic liver disease and overdoses of heroin and prescription opioids.

America’s middle class is shrinking.  Nearly  half of America’s income goes to upper-income households now.  In 1970 only 29 percent went to this group.  How can we regain our freedom, our happiness and our well being in such a world?  What can we do?

The answer to a better, freer life is to combine better health, higher income and greater savings for a happier, more resilient lifestyle. 

Merri and I are in our 49th year of living, working, investing and researching to find and share ideas on how to have simpler, low stress, healthier, more affluent lifestyles.  Our courses, reports and email messages look at ways to gain:

#1:  Low cost natural health.

#2:  Global micro business income.

#3:  Safer, more profitable, easy to make value investments.

Many readers use our services for just one of these three benefits.  They focus only on health or on earning more or on investing better.

27 years ago Merri and I created the International Club as a way for readers to join us and be immersed in all three of these benefits.   The International Club is a year long learning program aimed at helping members earn worry free income, have better affordable good health and gain extra safety and profits with value investments.

The three disciplines, health, earning and investing, work best when coordinated together.  Regretfully the attacks on our freedom are realities of life.  There is little we can do to change this big picture.  However we can change how we care for our health, how we earn and how we save so that we are among the few who live better despite the dollar’s fall.

We start with better lower cost health care.

Club membership begins by sharing ways to be free of the “Secret Hospital Charge Master”.   Just as governments hide truth behind “National Security”, big health care businesses hide medical truths behind “Charge masters”.  Most hospital charge masters are secret because big business does not want us to know how much hospital costs have risen.  Motivations beyond our good health, like corporate greed, want to keep us in the dark about health care cost.

Despite rising health care costs, a report from the Centers for Disease Control & Prevention shows that hospitals are the last place we want to be for good health.  One report shows that hospital-acquired infections alone kills 57% more Americans every year than all car accidents and falls put together.

Often, what patients catch in the hospital can be worse than what sent them there.  Governments and health care agencies agree  – antibiotic resistance is a “nightmare.”  An antibiotic-resistant bacteria may be spreading in more hospitals than patients know.  About one in every 25 hospitalized patients gets an infection and a 2013 report from the Journal of Patient Safety showed that medical errors are the third-leading cause of death in the country.

Along with the risk of hospital acquired illness and medical errors, the second huge threat to our well being… is health care costs, especially at hospitals.  This is why charge masters are so often secret.  There are few risks to our wealth that are greater than a hospital stay.

I have created three shamanic health reports are about:

#1: Nutrition

#2: Purification

#3: Exercise

Each report is available for $19.95.  However club members receive these three reports worth $59.85 free.

Club members also receive seven workshops and courses on how earn everywhere with at home micro businesses.  We call this our “Live Well and Free Anywhere Program”.   The program contains a series of courses and reports that show ways to earn and be free. These courses and reports are:

  • “International Business Made EZ”
  • “Self Fulfilled – How to Write to Sell”
  • Video Workshop by our webmaster David Cross,
  • The entire weekend “Writer’s Camp” in MP3
  • The report “How to Raise Money Abroad”
  • Report and MP3 Workshop “How to Gain Added Success With Relaxed Concentration”
  • The course “Event-Full – How to Earn Conducting Seminars and Tours”

This program is offered at $299, but is available to club members free. They save $299 more.

Next, club members participate in an intensive program called the Purposeful investing Course (Pi).  The purpose of Pi is finding value investments that increase safety and profit.  Learn Slow, Worry Free, Good Value Investing.

Stress, worry and fear are three of an investor’s worst enemies.  These destroyers of wealth can create a Behavior Gap, that causes investors to underperform in any market good or bad.  The behavior gap is created by natural human responses to fear.  Pi helps create profitable strategies that avoid losses from this gap.

Lessons from Pi are based on the creation and management of a Primary Pi Model Portfolio, called the Pifolio.  There are no secrets about this portfolio except that it ignores the stories from economic news (often created by someone with vested interests) and is based mainly on good math that reveals the truth through financial news.

The Pifolio is a theoretical portfolio of MSCI Country Benchmark Index ETFs that cover all the good value markets using my 50 years of global experience and my study of the analysis of four mathematical investing geniuses (and friends).

There are seven layers of tactics in the Pi strategy.

Pi Tactic #1: Determine purpose and good value.

Pi Tactic #2: Diversify 70% to 80% of portfolio equally in good value developed markets.

Pi Tactic #3: Invest 20% to 30% equally in good value emerging markets.

Pi Tactic  #4:  Use trending algorithms to buy sell or hold these markets.

Pi Tactic  #5:  Add spice speculating with ideal conditions.

Pi Tactic  #6: Add spice speculating with leverage.

Pi Tactic  #7:  Add spice speculating with forex potential.

The Pifolio analysis begins with a continual research of international major stock markets that compares their value based on:

#1:  Current book to price

#2:  Cash flow to price

#3:  Earnings to price

#4:  Average dividend yield

#5:  Return on equity

#6:  Cash flow return

#7:  Market history

We combine the research of several brilliant mathematicians and money managers with my years of investing experience.

This is a complete and continual study of what to do about the movement of international major and emerging stock markets.  I want to share this study throughout the next year with you.

This analysis forms the basis of a Good Value Stock Market Strategy.  The analysis is rational, mathematical and does not worry about short term ups and downs.  This strategy is easy for anyone to follow and use.  Pi reveals the best value markets and provides contacts to managers and analysts and Country Index ETFs so almost anyone can create and follow their own strategy.

The costs are low and this type of ETF is one of the hardest for institutions to cheat.  Expense ratios for most ETFs are lower than those of the average mutual fund.  Little knowledge, time, management or guesswork are required.  The investment is simply a diversified portfolio of good value indices.  Investments in an index are like investments in all the shares of a good value market.

Pi opens insights to numerous long term cycles that most investors miss because they have not been investing long enough to see them.

The Pi subscription is normally $299 per annum but club member receive Pi at no charge and save an additional $299.

Profit from the US dollar’s fall.

In the 1980s, a remarkable set of two economic circumstances helped anyone who spotted them become remarkably rich.  Some of my readers made enough to retire.  Others picked up 50% currency gains.  Then the cycle ended.  Warren Buffett explained the importance of this ending in a 1999 Fortune magazine interview.  He said:  Let me summarize what I’ve been saying about the stock market: I think it’s very hard to come up with a persuasive case that equities will over the next 17 years perform anything like—anything like—they’ve performed in the past 17!

Club members receive a report about opportunity in the  current strength of the US dollar is a second remarkable similarity to 30 years ago.   The dollar rose along with Wall Street.  Profits came quickly over three years.  Then the dollar dropped like a stone, by 51%  in just two years.  A repeat of this pattern is growing and could create up to 50% extra profit if we start using strong dollars to accumulate good value stock market ETFs in other currencies.

This is the most exciting opportunity I have seen since we started sending our reports on international investing ideas more than three decades ago.  The trends are so clear that I created a short, but powerful report “Three Currency Patterns for 50% Profits or More.”   This report shows how to earn an extra 50% from currency shifts with even small investments.  I kept the report short and simple, but included links to 153 pages of  Good Value Stock Market research and Asset Allocation Analysis.

The report shows 20 good value investments and a really powerful tactic that shows the most effective and least expensive way to accumulate these bargains in large or even very small amounts (less than $5,000).  There is extra profit potential of at least 50% so the report is worth a lot.

This report sells for $29.95 but when you become a club member you receive the report, “Three Currency Patterns For 50% Profits or More” FREE.

Plus get the $39.99 report, “The Silver Dip 2017” free.

With investors watching global stock markets bounce up and down, many missed two really important profit generating events.  The price of silver dipped below $14 an ounce as did shares of the iShares Silver ETF (SLV).   The second event is that the silver gold ratio hit 80 and has remained near this level, compared to a range of the 230s only two years ago.

These two events are a strong sign to invest in precious metals.

I prepared a special report “Silver Dip 2015” and updated this in 2017.   The report explains the exact conditions you need to make leveraged silver & gold speculations that can increase the returns in a safe portfolio by as much as eight times.  The purpose of the report is to share long term lessons about speculating in precious metals gained through 30 years of speculating and investing in gold and silver.

The low price of silver offers special value now so I want to send you this report because the “Silver Dip 2017” offers enormous profit potential in 2017.

The report “Silver Dip 2017” sells for $39.95 but club members receive it free as well.

The $39.95 new “Live Anywhere – Earn Everywhere Report” is also free.

There is an incredible new economy that’s opening for those who know what to do.  There are great new opportunities and many of them offer enormous income potential but also work well in disaster scenarios.

There are are specific places where you can reduce your living expenses and easily increase your income.  Scientific research has shown that being in such places actually make you smarter and healthier.  Top this off with the fact that they provide tax benefits as well and you have to ask, “Where are these places?”.

Learn about these specific places.  More important learn what makes them special.  Discover seven freedom producing steps that you can use to find other similar places of opportunity.

The report includes a tax and career plan broken into four age groups, before you finish school, from age 25 to 50 – age 50-to 65 and what to do when you reach the age where tradition wants you to re-tire.  (Another clue-you do not need to retire and probably should not!)

The report is very specific because it describes what Merri and I, our children and even my sister and thousands of our readers have done and are doing, right now.

Live Anywhere – Earn Everywhere focuses on a system that takes advantage of living in Smalltown USA, but earning locally and globally.

This report is available online for $39.99 but International Club members receive it free.

Save $418.78… “plus more” when you become a club member.

Join the International Club and receive:

#1: The $299 Personal investing Course (Pi).   Free.

#2: The $299 “Live Well and Free Anywhere Program”. Free.

#3: The $29.95 report “Three Currency Patterns For 50% Profits or More”. Free.

#4: The $39.99 report “Silver Dip 2017”. Free

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