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:

Expat-study

Then they asked where

Expat-study

and looked at age

Expat-study

and how much they planned to spend.

Expat-study

Plus their income breakdown and…

Expat-study

where they would go by income group.

Expat-study

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.

cabuyal-ecuador

Here is a Bahia Ecuador development update.

bahia-beach

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:

bahia-beach

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.

Gary

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

Who Gets the 36 Cents?

 

I wonder.   Who does the government owe 36 cents?

According to Treasurydirect.com, as of October 31, 2017 the cost of interest on  the total US public debt of $20,467,375,664,755.32 (20 trillion+) was $24,411,569,716.36 (24 billion+).

The 36 cents isn’t much of a problem.  The other 20 trillion is.

This is good news and bad… the rock and the hard spot.  The bad news is that the rock (US federal debt) is getting bigger….harder to miss.  The Congressional Budget Office (CBO) projected in 2010 (the debt then was a bit over 14 trillion) that, under law at that time, debt held by the public would exceed $16 trillion by 2020, reaching nearly 70 percent of GDP.

They sure goofed on that.  Here we are… not quite into 2018 and debt has shot past 20 trillion.

How could the CBO be so wrong? 

The CBO screwed up because they could never imagine that the Fed would push interest rates so low… and keep them there.  The interest rates are so low that the government can borrow and borrow and still afford the interest.

For example, US Federal government interest this year will amount to around $483 billion on the 20 trillion of debt.  Yet in 2008 on debt of only $9,229,172,659,218.31 (9 trillion +) the interest that year was $451,154,049,950.63 (451 billion +).

Interest payments in 2017 are 7% higher than they were in 2008.  Yet the debt is over 100% higher.  

Very low interest rates have helped the government borrow.  Low interest has also helped the US stocks reach all time high prices.

Here is the very hard spot.  The downside is that low interest has reduced earnings of investors.  Low interest has ruined the lifestyles of many who have retired.

Here is what happened and why the problem may exist for quite a bit longer.

If investors can increase the interest rate to 6% from the lousy 1% (or so) they earn now, they gain 1,263% more over 30 years.  Anyone living off interest, who is drawing down their portfolio over 20 years, makes 57% more annual income every year.

But if investors get 6% interest instead of 1%, the government has to also pay more on it debt.

The government will resist raising rates because it will ruin their budget, cause a collapse of the stock markets and destroy the US dollar.  

Rising interest rates, that we would like to see as investors, will create an almost unimaginable debt crisis.  If government interest goes to 6% it is like the $20+ trillion national debt  rising to 100 trillion!  Unless there are some huge tax increases, a 5% increase in interest rates would increase the national debt by five times.

A tax increase?  The current tax act being proposed reduces, not increases, revenue.

This is not a theoretical problem for the future. This is not something that our children and grandchildren will have to deal with.  This is a problem in the here and now.

Interest rates create a massive problem on two sides of the same coin.  Raise rates the massive national debts ruins the purchasing power of currencies.  Keep interest rates low and capitalism does not work for investors.  Politicians simply borrow more (on our behalf) but for their benefit.

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.

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 we can be of help through 2018.

The first fact behind this secret is that things are really good in the western world.  Despite 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 through 2018 and beyond.

A falling US dollar is one of the greatest risks we have to our independence, safety, health, and wealth, but also brings a window of 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.

The double shock of money fleeing Wall Street and US debt skyrocketing, will destroy the purchasing power of the greenback.

Go to the store even now.  Statistics say inflation is low, but 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.

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?

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

Merri and I will celebrate our 50th year of global 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:  Global micro business income.

#2:  Low cost, natural health.

#3:  Safer, more profitable, investments that take little time or cost to buy and hold… so you can focus on earning more instead

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

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.

Join us for all of 2018 NOW.

The three disciplines, earning, health 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 natural health reports are about:

#1: Nutrition

#2: Purification

#3: Exercise

Each report is available for $19.95.  However you’ll receive this free as club member and save $59.85.

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 you as a club member free.  You 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 as a club member you 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

#5: The three $19.99 reports “Shamanic Natural Health”.  All three free.

#6: The $39.99 “Live Anywhere – Earn Everywhere” report. Free.

#7: Plus more.

These reports, courses and programs would cost $767.78 so the 2018 membership saves $418.78, “plus more”.

What’s the “plus more”?

Join the International Club for $349 and receive all the above online now, plus any online reports, online course updates or online programs we create throughout 2017 all at no additional fee. The club membership entitled you to everything.

The International Club membership is $499, but we want to encourage our first 100 members for 2018 to join quickly so we are currently accepting discounted membership at $349. 

Join the International Club for $349 and receive all the above online now, plus all reports, course updates and Pi lessons through the rest of 2017 and all of 2018 at no additional fee.

Click here to become a member at the discounted rate of $349

Gary 

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