Ecuadorian wise men of the past had a deep understanding of nature… astronomy and sense of place as this positional structure at the entrance of Cotacachi shows. That wisdom can help us think beyond logic when it comes to retiring from the rat race at any age… 30, 40, 50, 60 or later despite living in a predatory world.
Ecuador is a great place to retire at any age… right now.
A March 7, 2102 Yahoo.finance.com article entitled “Ecuador Seen as New Retirement Hot Spot” by Alina Dikik says: The warm weather, cheap housing, and inexpensive healthcare are a draw, especially for baby boomers with eroded nest eggs and a sense of adventure.
For retirees, leaving the United States often means a more affordable way of life, including low-cost healthcare, real estate and even gasoline prices. Cherry-picking a warm weather spot can offer another perk. Some expatriate retirees also point to the social benefits that accrue when they become part of a tight knit community.
Logistics like health insurance and banking have been surprisingly easy, says Connie Pombo. The Pombos pay $85 per month for comprehensive health insurance with Nova Ecuador, a national insurer.
Pombo says most retirees prefer to simply pay out of pocket for doctor visits, which are less than $20 per appointment.
How Long Will Ecuador be a Good Place for Retirement?
Not everything is perfect.
The article goes on to say: Ecuador is still in the infancy stage in terms of attracting … the infrastructure is still not as strong as other places like Costa Rica. Many Americans are not prepared for the language and the culture.
Real estate scams are common and can include hidden fees. It’s unregulated and nobody is enforcing the laws.
Ecuador has recently seen an increase in long-term home rentals, which can be a good alternative to buying, she adds. Negotiating a two or three-year lease can halve monthly payments. For example, a three-bedroom, waterfront condo can rent for $700 with a multiyear lease.
Unexpected living expenses also add up… the cost of furniture, appliances and electronics, can sell for up to three times. Western-sized clothing can be especially difficult to find… Americans tend to be a lot bigger.
The article also points out that retired expats are required by the U.S. government to pay taxes, even if residing abroad plus it says: Crowder also cautions Americans thinking of retiring abroad to not be overly trusting. White-collar crime is becoming a concern for some retirees in Ecuador. “Gated communities have these big austere looking fronts, but a lot of crime is committed by insider jobs,” says Crowder who owns a home in Ecuador. He warns against an increasing number of expat criminals who establish trust with retirees by speaking fluent English. Expect to be bombarded with ways to part with your money from locals too.
A local attorney can help start the year-long residency process and specify which notarized documents are necessary before leaving the United States. Brushing up on Spanish and learning about the Ecuadorian language and culture is a must.
Our Ecuador Ateam services help solve three of the problems above:
However Frequency Modulation is more important than helping in Ecuador and Spanish now. FM can help in all the future…. anywhere… with any learning and thinking.
Recent messages have reviewed thoughts on the problems retirement may face in the future. A growing and aging population is breaking down the social economic contract we call money. Saving to retire may not be enough because the purchasing power of money in core industrial nations may fail.
Deciding where to retire is difficult because of the chaotic state in the world.
A previous message at this site said: The mindset of the Western world is indoctrinated on these 3 Ps…position, possession and popularity. These concepts form the foundation of many lives and they are the precursors for stress, tension and poor health as well as financial doom. These structural flaws in our social economic morality create a template for self slavery and potential failure. We voluntarily become chained to our desk or jobs and are willing to even cheat (ranging from small fibs on loan applications to doctoring books to billion dollar Ponzi schemes) to gain the 3Ps. The weakness in this framework of thought also leaves us open to fraud.
The framework of this materialistic mindset goes way beyond the creations of our personal risks as well. The framework reaches to the very core of world’s geo-political tensions and chaos.
This creates a predatory world and super thinking can help us survive in a predatory world.
This is not likely to change quickly. Can we rid ourselves of poverty in our lifetimes… if ever? Deuteronomy 15:11 suggests not when it says: There will always be poor people in the land. Therefore I command you to be openhanded toward your brothers and toward the poor and needy in your land.
In our lifetimes we”ll probably not see a perfect world… we’ll not find perfect places without poor.. without fear… without crime… without tension… and these forces create predators.
What can we do to live and retire amidst all this stress without letting it get us down?
First, living in a calm life in a world of stress we can develop a historical perspective on the world’s problems creating by this eternal jockeying for the three Ps… possessions… position and power.
To get one perspective, let’s follow a vine of social discontent back about a hundred years to WWI as it impacts our forward thinking on where to invest… where to do business…. where to live and retire now.
This vine leads us to WWI and the Balkans.
According to Wikepedia: The causes of the military conflict, which began in central Europe in August 1914, included many intertwined factors, such as the conflicts and antagonisms of the four decades leading up to the war. Militarism, alliances, imperialism, and nationalism played major roles in the conflict as well. However, the immediate origins of the war lay in the decisions taken by statesmen and generals during the July Crisis of 1914, the spark (or casus belli) for which was the assassination of Archduke Franz Ferdinand of Austria by Gavrilo Princip, an irredentist Serb. However, the crisis did not exist in a void; it came after a long series of diplomatic clashes between the Great Powers over European and colonial issues in the decade prior to 1914 which had left tensions high. In turn these diplomatic clashes can be traced to changes in the balance of power in Europe since 1870.. Fundamentally the war was sparked by tensions over territory in the Balkans. Austria-Hungary competed with Serbia and Russia for territory and influence in the region and they pulled the rest of the great powers into the conflict through their various alliances and treaties. The topic of the causes of, or guilt for, the First World War is one of the most studied in all of world history. Scholars have differed significantly in their interpretations of the event.
If so, tensions in the Balkans were a driving force in social military tensions at the turn of the last century.
The Balkans include:
* Bosnia and Herzegovina
Other countries sometimes included are:
The problems remain with us today, plus according to many WWI was the root of WWII. Winston Churchill described the treaty of Versailles, “monstrous” and “malignant.”
WWII created such tension that Harry Truman and many others were so paranoid about Communism that the Truman Doctorine evolved which led to the Korean and the Vietnam War.
The Vietnam War kick started America’s drug problem which has created such wealth that Mexican and Colombia drug lords can undermine federal authority and even create risk in places where Americans typically retire… Southern California… Arizona… South Florida.
The LA Times has a huge section in its paper entitled “The drug war at our doorstep”.
An NPR.com article entitled “Mexican Drug War Brings Violence To Arizona” says: Home invasion and kidnappings are on the rise in Arizona. State authorities pin the blame on Mexican organized crime. Host Cheryl Corley speaks with Ariz. Attorney General Terry Goddard about how he hopes to address the problem.
This problem hit South Florida first. When enforcement efforts intensified in South Florida and the Caribbean, the Colombian organizations formed partnerships with the Mexico-based traffickers to transport cocaine through Mexico into the United States and spread the drug wars across the American south.
This is one vine of history in a thick foliage of reality that is so dense it creates a dark jungle that no amount of logic can penetrate.
On the subject of military political history am reading one really fascinating book now… “Twilight Warriors”.
The Twilight Warriors, is the winner of the 2011 Samuel Eliot Morison Award for Naval Literature and looks at the final—and most brutal—battle of the Pacific war: Okinawa.
This is especially interesting to me (and many boomers) because my father was a Seabee attached to the Marines. Wounded in the invasion of Iwo Jima, he was hospitalized in Hawaii and scheduled to return to battle probably in the invasion of Japan… which would have been perilous.
During his hospitalization the Battle of Okinawa became the most expensive naval battle in American history, with almost 10,000 American casualties. Thirty ships were lost, and over 350 more were damaged, many beyond repair. Okinawa taught President Truman a grim lesson: “any weapon,” even an atomic bomb, “was preferable to an invasion” and this perhaps was a fulcrum point in the fabric of reality determining “to be or not to be”. Had dad gone onto another invasion I might not have been.
Random House also reported that “Twilight Warriors” was a History Book Club Main Selection and a Featured Alternate of the Book of the Month Club and the Military Book Club.
Where is it safe to go in a predatory world ? Where will we be able to afford to live? Where will we find peace?
The answer is not a nation or state… but is in a state of being… being more intelligent… more flexible… more intuitive wherever you go… or are led.
How can we figure out these answers?
We cannot. Logic is a deficient tool in our universe where chaos rules along with order. This graph from Jame’s Gleick’s book “Chaos, Making a new Science” shows how everything in our universe moves from states of order to disorder.
Mark Twain expressed this reality nicely when he said: He is now rising from affluence to poverty.
The logic of logic shows why it will not work in our quantum world. Logic in the form of deductive reasoning concerns what follows necessarily from given premises (if a, then b). Logic requires seeing a reliable given premise a to understand “b”. Quantum mechanics suggests that reality is too complex for our minds to see enough facts. There is too much information to process to come up with accurate premises.
If we cannot think our way to a happy lifestyle… what can we do?
First, we can accept that everything is in perfect order and remember the importance of attitude. Kahlil Gibran, the Lebanese poet, stresses attitude’s value nicely: Your living is determined not so much by what life brings to you as by the attitude you bring to life; not so much by what happens to you as by the way your mind looks at what happens.
Second, we can add frequency modulation into our armory of thought processes to expand our vision when outside events are so unpredictable we cannot depend on logic.
When we think as the shamans of the Andes, we see events…fate…and our free will as being connected. The shamans call this “following the forces of nature”.
The circular thought of the shamans is sometimes difficult to grasp. Some shamans will say something that seems it has no logic…until one day an event…act or an aha starts to make sense.
For example, their concept of fractals is that everything is part of a sacred geometry that leads us to where we should be. They observe what they see and look for hints or clues as to where they should go from what they see.
Here is an example that has been meaningful to me.
The shamans say that any mountain near us when we grow up is our mother (Pacha Mama). They believe that she guides us on our life’s way.
This never made much sense to me until one day when we were visiting our daughter, son in law, grandkids and my mom in Portland, Oregon, where I was born and raised.
Each day I walked out my mom’s front door (she has lived in the same house for 50 years) and enjoyed the view where I grew up.
Mt. Hood… my Pancha Mama. Something was gnawing at me…where had Mt. Hood led me? I missed that connection until…
I returned to Cotacachi and noticed the equivalent geometry. This is Mt. Cotacachi that one can see each day from Cotacachi.
This did not hit me fully until we took my mom to a favorite beach of ours that is our historical escape on Oregon’s coast. I took this photo as I looked down the beach.
This made me think even more about where I had been led.
Mt. Hood and this coastal view were a big part of my youthful formation… pictures I saw as I grew.
Then I realized how similar this geometry is to our beach escape in San Clemente, Ecuador.
Our life in Ecuador in the US and I suspect anywhere we would find ourselves is filled with abundance. Did the sacred geometry beginning with a bullet shot by Gavrilo Princip in Serajevo lead me to Cotacachi and San Clemente? Did these same patterns return us to the USA and bring our involvement in agriculture?
Did we make our decisions to live in these wonderful places because of some impression beyond logic…some deeper message given long ago?
I don’t know the answers to these questions, but do know that the biggest joys in our lives have all come from using frequency modulation to make decisions that are beyond logic.
How to Have Real Safety
Regain Real Security
There is a path to true security.
I was reminded of this once when I made a horrible mistake. Almost!
The supposed error? Letting my mind wander six decades back to an hour I spent with a girl.
Learn from this near disaster, seven most powerful sources of wealth, health, security and fulfillment in this era.
The girl was pretty and blond. Terry was her name. My imagination spanned decades returning to my Oregon roots seeing her as if she were there.
We were 11 or 12 and had known each other since we started Rockwood grade school. Just buddies, our non-romantic friendship lasted 12 years, from first grade till high school’s end. Then she went off to Pepperdine College in California. I started traveling the world. Never saw her again. I hope her life has gone well. But until that reflection I’d never thought much of Terry in so many years.
What could have been the tragic error was letting that memory touch my heart. Two kids, walking on a crisp, Pacific Northwest autumnal afternoon.
We walked down a sun filled, pine needle covered, dirt path. Huge, fat, green Douglas firs lined the road. Traffic was no problem, not many cars. Crossing Stark Street we turned left, hiking three blocks to 182nd. There we passed an old clapboard candy store. I can still hear the wooden sidewalk of that store slap beneath my feet, felt the soggy planks sag and smelled astringent pitch from the fir trees. Then we turned right, up 182nd for about a mile. There was Terry’s house.
I carried on, walking through a big field, waist high grass turned straw brown by an early frost. There were dozens of paths made by who knows what. Animals perhaps or countless generations of other kids walking home alone from school. I chose one following it to another wood of tall, rough-barked fir. Crossing one more field, I climbed a rock wall, struggled through a barbed wire fence (my Mom hated that fence ripping my jeans). I was home!
Sweet simplicity, that dream. Two kids holding hands, walking on a dirt trail under a crisp, but blue, sunny sky. Pure innocence.
My tragic error was looking back. I returned to Rockwood, Oregon with Merri and my kids to show them this part of their roots. Following the route, Terry and I had walked were the candy store, grange hall, old wooden buildings and their home spun honesty and charm.
Instead we found six lanes of fast, frantic traffic and road rage. McDonalds, KFC, strip shopping centers. The car radio blared warnings of local gangs and drive-by-shootings. Beauty, innocence, sweet simplicity, replaced by drive ins and drive bys. Gangs and drive-by shootings replacing a tender walk in the sun. Good bye memories, good bye.
How can our kids walk in places like this? How can we return to those old feeling of security and comfort?
How can any of us possibly keep pace in this world that’s moving so fast? Then something inside snapped. “There has to be an answer for honest, hard working folks to enjoy the wonderful opportunities of today and regain what we’ve lost over the past forty years”, I swore to myself.
How can we keep up, without having such a fast paced life we turn into machines? Where do we find time for God, family, charity, and our friends? How can we rediscover those sun filled, pine needle covered, dirt paths we want to walk?
“There has to be places that are still innocent and pure”, I thought. “There has to be a way of life that does not pound us with stress”.
This thinking led me to begin reviewing the thousands of economic and business experiences I have shared with readers over the decades. This started a search for a simpler way of life and a better place to earn and protect our wealth.
By digging, asking and observing, traveling and talking to investors and investment managers all over the world I found that there are true paths to real security in the here and now. That knowledge helped me develop courses on how to have natural health, everlasting wealth and purposeful investments.
This knowledge helped Merri and me invest in stocks and real estate all over the world. It helped us find and develop Merrily Farms into a sanctuary here on Little Horse Creek.
That almost error led us to create an entire portfolio of information on how to keep pace, get ahead, enjoy our modern society but, to enjoy life wherever you choose without having to move too fast.
I want to share this information with a special few in our summer course in the Blue Ridge Mountains where the air is dry, crisp, with a bright sparkling sun. Our North Carolina woods is a place where we can once again walk down sun filled, pine needle covered, dirt paths beneath huge, fat, green fir and hemlock.
We start the course with this question that can help us get our lives back.
“What would you think in the last 30 seconds of your life if you were the richest man in the world but were unhappy?”
This quote is from the opening slide of our Value Investing Seminar, “How to Secure Your Future With a Value Breakout Plan”. This a vital question because few investors think about the value of comfort and happiness. Yet the truth is, those who are comfortable and happy with their investments are likely to make good investment decisions. If not, no matter how much money an investors has, changes are, they’ll lose.
Bring Value and Purposeful Investing Together
Join us to learn how to make safety and profit easier and less time consuming so we can focus on our individual purposes in life.
Become an International Club member and join like-minded souls, who take a positive view and think outside the box for better health, greater income and safer, more profitable investments. Share ideas on how to add value to everything and make 2016 -2017 your best years yet.
In 2016 Merri’s, David’s and my mission is to share our 50 years of experience in international business, investing and living to make ourselves happier, healthier and wealthier.
To reach a wider audience we have shifted our seminars online. However we are conducting one in person seminar this year, “How to Secure Your Future With a Value Breakout Plan” (August 12-13-14 2016). Attendance is strictly limited to the few International Club members.
Here is a partial syllabus of this seminar.
- Three common sense ideas: Avoid lines. Go where you are a name not a number. Decide who you are and what matters to you.
- Why three economic trends that have make smart investors rich every 30 years are ready for cashing in now.
- How to look for short term problems that create long term value.
- Update on the best ten markets for safety and profit.
- How to diversify in value with Country ETFs.
- The value of time in investing and life.
- The economics in cyber wars. How to look back at the economics of war to see ahead.
- Great new innovations that will ignite a 16 year bull market from 2016 to 2032.
- The next great fuel.
- Timing long cycles, economic cycles and seasonality.
- Investing in Demographics.
- Trading Down, the biggest global trend ahead.
- Hidden Inflation .
- How to protect against pension loss.
- The Silver Dip 20116. When and how to invest in gold and silver . How to double your position with loans.
- How to spot currency distortions and borrow low to deposit high.
- How, Why When & Where to bank abroad.
Join us for a high mountain retreat that is strictly exclusive to club members and save over $2,000.
Here is a group of International Club members meeting at our North Carolina farm.
Club membership is for an entire year and the seminar is just one high point.
In 2016 and 2017 we are conducting online seminars about value investing, natural health and how to write to sell.
International Club members receive all the online seminars free plus can attend the August 2016 Value Investing retreat which is exclusive to club members.
In addition club membership includes:
- Personal investing Course (Pi), normally $297, FREE
- Self Fulfilled How to be a Self Publisher, normally $299, FREE
- Eventful Business, normally $349, FREE
- International Business Made EZ, normally $299, FREE
- Report “Three Economic Conditions for 50% or More Profit,” normally $29.95, FREE
- Report “Silver Dip 2015” normally $27, FREE
- Three online Value Investing Seminars, normally $477, FREE
- One online Natural Health Seminar, normally $119, FREE
- One online Writers Camp, normally $299, FREE
- Exclusive Value Investing Retreat in North Carolina, normally $799, FREE
- Three night’s accommodations at Merrily Farms, normally $315, FREE
This is every offer in our catalog. To purchase everything would cost $3,509.95. Club membership for 2016 is $1,199 so you save up to $2,310.95.
Merri and I have been organizing courses, seminars and newsletters about international and Super Thinking lifestyles for over 30 years. The importance of this sharing… by like minded souls… was reinforced when a delegate from a course sent an email that said:
My Dearest Merri and Gary, Thank you for your most gracious hospitality last weekend. I am just thrilled at being a part of your group. You and Gary were exactly as I imagined you to be, warm friendly, kind, considerate, genuine, helpful, fun, sincere, what else can I say……I felt so comfortable in your presence and learned so much in your course. I was sad to leave the farm that Sunday afternoon. You made us all feel so welcome and cared about. You were so kind to make arrangements for a ride with the other delegates from the Charlotte Airport. They were so nice to me and so helpful, by the time the weekend was over I felt like they were my long lost brothers. Monday morning we all had breakfast at the airport together and I was so sad to see them go, I was sad the weekend was over, perhaps sad is not the right word for how I was feeling perhaps Gratitude is a better way to describe it. Grateful for having the opportunity to share the weekend with such wonderful, like minded Human Beings, in the beautiful mountains of North Carolina. Thank you Merri and Gary. Thanks to you I now have new hope and a new direction to move forward in my life. I know by attending your classes and conferences that through education and due diligence I will make the right choices.
The International Club fee has been $1,799 but due to the savings of conducting our courses online, we have been able to reduce the fee to $1,199. This is less than the normal fee we have charged in past years from one seminar (without accommodations).
If you cannot attend the High Mountain Retreat, you are still entitled to a three night stay on a space available basis at the farm any time during the season we are open (June into October) or at our grove in the winter months.
Club members meeting at out home.
I invite you to be a member of the International Club which allows you and a guest of your choice to join us for all our seminars including our exclusive August 2016 High Mountain retreat.
Let’s prosper in these times of change. Won’t you join us in this exciting club and share Merri’s and my lifestyle for the next year? Join us at our farm and online. We look forward to being with you.
Club members receive everything we offer in 2016, plus the exclusive High Mountain Retreat in August that includes the seminar and accommodations.
We want couples! As a member of the program, you are entitled to add another personas email address to every single course or tour, plus bring a partner to the m,members only retreat. The cost for that extra person will be ZERO! You can enroll bring whomever you wish. Choose your spouse, a friend, son or daughter, partner, accountant, adviser to accompany you.