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.
2014 – 2015 Schedule
2014 – 2015 ScheduleSchedule 2014-2015 Seminars and Courses
Delegates enjoy taking breaks at our winter courses in Mount Dora.
We conduct our summer camps at Jefferson Landing in West Jefferson North Carolina.
Join us in balmy Central Florida in the winter and the Cool Blue Ridge in summer… plus this autumn our Multi Currency Investing Course will be in Montreal, Canada.
Montreal Skyline in autumn.
Join Merri and me for all the courses and seminars that we’ll conduct to help you gain positive solutions to your economic, financial and lifestyle concerns.
Here are the courses we will conduct in 2014 and early 2015.
June 13-14-15 Super Thinking Writer’s Camp, West Jefferson, North Carolina. ($999) See details on the Writer’s Camp here.
July 18-19-20 Super Thinking + Spanish, West Jefferson, North Carolina. Courses are also conducted in Canada, St. Louis and Canada. See schedule and details of the Spanish courses here.
August 30-31-September 1 Super Thinking Writer’s Camp, West Jefferson, North Carolina. ($999)
October 10-11-12 International Investing & Business Seminar, Montreal, Quebec, Canada. ($999) See details here.
November 14-15-16 Super Thinking Writer’s Camp, Mt. Dora, Fl. ($999)
January 16-17-18, 2015 Super Thinking + Spanish, Mt. Dora, Fl. ($899)
February 13-14-15, 2015 Super Thinking Writer’s Camp, Mt. Dora, Fl. (normally $999 for a couple).