Ecuador real estate tour in Bahia.
Ecuador tour at Ingapirca, near Cuenca.
Whether to learn about Shamanic health tips, real estate or exports, Jean Marie and his team work hard to help each reader have an efficient, informative and most of all enjoyable tour.
Plus his tours aim at helping delegates see the whole picture. Jean Marie has been a leader in introducing new, natural food supplements in Europe and stresses a holistic view on the tours… the savings… the purity… the healthy lifestyles… the benefits of integrating cultures.
One reason Jean Marie loves Ecuador are the health benefits… a place to combine old wisdoms and modern technology. and we’ll be showcasing a series he has written on Ecuador’s health benefits.
Yesterday’s message looked at a natural health tactic with castor oil used both in India and the Andes.
A reader responded: What a memory you dug up in me. When I was growing up, my Mother would look at me and if I looked ‘puney’, I got a dose of castor oil in orange juice. It has been only recently that I can look at orange juice and not have my stomach start gurgling. But it must have worked, I am 78 and on no medication, no arthritis, no nothing. I can out do all my friends who are even younger than I. I’m going out and buy a bottle and do the fourth teaspoon a day, regimen. I can hold my nose and down that much. Thanks for the memories.
I replied: Thanks for sharing. I use grapefruit. First, I mix the oil with a bit of grapefruit juice… slug it down (shudder) and then bite into the grapefruit. There is probably no way to make castor oil taste good so this is still not a tasty experience but it’s better to me than taking it neat.
Jean Marie also works to provide savings for tour delegates… getting hotel and air fare discounts that often save more than the cost of the tour.
He recently sent this note about Ecuador airfare savings: Gary, I have seen some nice promotions lately from Tame and now Aerogal: $63 round trip Quito-Manta
Here are a few of the questions that others have asked and replies from Jean Marie Butterlin, head of A Team Ecuador.
Q: Why should I pay for a tour, can’t I do the same thing on my own?
A: We have been working in Ecuador for over a decade, long before most folks ever considered visiting the country. Over the years, we learned who to trust (and just as important, who not to trust) and forged priceless relationships. We have built an experienced network of experts who can save you time and money. They have earned our respect and trust and, most importantly, we have earned theirs as well. Whether you join our export tour, agriculture tour or real estate tours, you will benefit from our years of on the ground experience. In the long run, this will save you both time and money.
Q: Are hotel rooms included in the tour?
A: No, your accommodations, in-country flights and meals are not included in the tour. However, we have negotiated discounted rates at local hotels. We will make your reservations for you at these discounted rates.
Q: Do I need to make my own hotel reservations?
A: No, we will do that for you during the tour dates. If you plan to arrive early or stay longer, let us know and we can help with reservations.
Q: Do I need to buy tickets for the flight to Manta or Cuenca?
A: No, we will buy the tickets and you can reimburse us. By doing it this way, everyone is on the same flight.
Q: I want to visit Cotacachi, how do I get there for the import/export tour?
A: We can arrange a driver to meet you at the airport and make your hotel reservations for you, contact: firstname.lastname@example.org
Q:When should I arrive in Ecuador for the tour?
A: When you register for a tour, you will be sent a tour schedule with dates and details. For the real estate tours, you should plan to arrive in Quito two days before the first day of the tour; for the export tour, you should plan to be in Quito the day before the first day of the tour. Most flights from North America arrive in Quito at night, so generally folks spend their first night in Quito after arrival. We will send you details about our hotel discounts in Quito.
Q: I’m considering traveling by bus, do you recommend that?
A: No; for many reasons, we do not recommend traveling by bus for our clients.
Q: Do I need any shots from my medical doctor before traveling to Ecuador?
A: No shots are required to visit the areas included in our tours.
Q: Do I need a visa to visit Ecuador?
A: From most countries, you will be issued a T90, 90 day tourist visa when you enter Ecuador; this will permit you to stay in the country for 90 days within a 12 month period.
Q: Can I use credit cards in Ecuador? Are there ATMs I can use?
A: Yes, you can use credit cards in Ecuador. They are accepted at the hotels we use, airlines and some restaurants. However, the majority of businesses in the country do not accept credit cards, be prepared to pay in cash.
ATMs are available in the cities and some towns. Cotacachi and Otavalo are tourist areas so they have several ATMs.
It is a good idea to let your credit card and debit card issuers know you will be traveling in Ecuador and using your cards there. Otherwise, they may freeze your account when they see foreign transactions coming in=. Travelers checks are very difficult to use in Ecuador.
Q: Will my cell phone work there?
A: Probably not. Sometimes you can purchase a SIM card in Ecuador that will enable your phone, depending on brand and carrier. Also, you can check with your carrier to see if international service is available. It cost about $55 to buy a cell phone in Ecuador, you refill your minutes by buying cards, you can buy a card for as little as $3.
This however is becoming more difficult as the government has implemented new rules for cell phones. Some Buyers of cellphones are supposed to provide their cedula (resident visa) number when they want to recharge their phone. Not all companies are doing this yet but some do. The system that checks the cedula works directly through the main data base of the government; so there now is a direct link between the cell phone companies and government data bases.
We hope you will join an Ecuador tour or Super Thinking course.
Regarding Super Thinking, here is a note from a delegate at our latest Super Thinking + Spanish course. Por favor Senor y Senorita eScott! Mucho Gracias! Via Con Dios!
Something happened to me in the course, despite my personal chaos distractions, not sure exactly what all it entails but i can sense it..i am a bit more alive and well and ready to tell or sell …learn & earn…& LIVE! Thanx so much, Again!
2015 ScheduleSchedule 2015 Seminars and Courses
We conduct our Investment seminar at Jefferson Landing in Jefferson North Carolina.
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 is the courses we currently have scheduled in 2015.
Live Long & Prosper MoreOne of the most frequent questions readers ask is “How can I make my savings safer but also sufficient for life?”
“What is the time horizon of a lifetime?” I ask. Time horizons are one of the most important elements in investing and most of us will live longer than we expect.
For example in a moment, you’ll see how this exercise is actually connected to my investing portfolio because it alters my investing timeline.
(Gary Scott doing Andean yoga.)
Overall US life expectancy at birth was 78.8 years in 2013. Women live longer, 76.4 years for men, 81.2 years for women. You’ll be happy to know that those statistics don’t apply to you and me.
How most of us think about life expectancy is wrong. That overall rate is the average of all people, young and old. The older we are, the longer our life expectancy grows. Right now those who are 50 years old, life expectancy is 85.6 for women and 81.6 for men. The expectancy of a 50 year old is 5 or 6 years longer than the overall expectancy.
As we age, the expectancy gets better. At 65 the expect age is 87.9 for women and 85.3 for guys. At 75 there is another boost to 88.6 and 90.5 years.
This is good news and even better is the fact that a succession of six technical panels established by the Social Security Advisory Board, in 1995, 1999, 2003, 2007, 2011 2013 all stated that Social Security was assuming unrealistic mortality rate improvements. In other words, life expectancy continues to grow.
There is a lot we can do to improve the odds of a long, active life even more. In fact we can improve them much more. A University of Washington publication “12 Reasons Yoga Helps Extend Lifespan” (1) shows 12 wasy that yoga extends life.
A UC San Francisco study “Lifestyle changes may lengthen telomeres that measure cell aging” (2) show that exercise, nutrition, meditation, diet, exercise, social support and yoga can extend life even further, as much as 12 years.
This is why I practice yoga and meditate almost every day and adjust my investing to support a long, busy, lifeline.
How can we have a strategy so our savings, investments & income are sufficient for a full lifetime?
Our life expectancy can be much longer than statistics suggest. That’s really good to know but longer life expectancy is expected to worsen the shortfall in Social Security by 11 percent over the next 75 years. What will a longer, active life due to our savings and budgets?
During nearly five decades of global investing I have noticed that some people, such as Warren Buffett, have a good value strategy that makes sure they do not lose, but increase their wealth again and again.
What is this strategy? It is a good value strategy based on three tactics.
The first tactic is to seek safety before profit.
A research paper that studied Warren Buffett’s investing strategy was published at Yale University’s website. This research shows that the stocks he chooses are safe (with low beta and low volatility), cheap (value stocks with low price – to – book ratios), and high quality (stocks of companies that are profitable, stable, growing, and with high payout ratios).
The second tactic is to maintain staying power. At times Buffet’s portfolio has fallen, but he has been willing and able to wait long periods for the value to reveal itself and prices to recover.
This chart based on a 45 year portfolio study shows that holding a diversified good value portfolio (based on a good value strategy) for 13 month’s time, increases the probability of outperformance to 70%. However those who can hold the portfolio for five years gain a 88% probability of beating the bellwether in the market and after ten years the probability increases to 97.5%. Time is your friend when you use a good value strategy. The longer you can hold onto a well balanced good value portfolio the better the odds of outstanding success.
The Buffett strategy integrates time and value for safety and profit.
A third, limited leveraging, tactic in the strategy boosts profit. Buffett leverages his portfolio at a ratio of approximately 1.6 to 1. The Yale published research paper shows the leveraging methods used by Warren Buffett to amass his $50 billion fortune. The researchers found that the returns from Buffett’s investment company, Berkshire Hathaway, far outweighed those achieved by any rival that has operated for 30 years or more. The research shows that neither luck nor magic are involved. Instead, the paper shows that Buffet’s success hinges on using leverage at the rate of 1.6.
This rate of expansion by the way is called the “Golden Ratio” and it is a mathematical formula that controls the growth of most natural things; trees, the shape of leaves, the spiral of shells, as well as the way economies and societies grow.
To sum up the strategy, Buffet uses Golden Ratio to make large purchases of “cheap, safe, quality stocks”. He uses limits leverage so he can hold on for very long periods of time, surviving rough periods where others might have been forced into a fire sale or a career shift.
The study found that Buffett applies a leverage of about 1.6 to 1, boosting both his risk and excess return in that proportion. He uses the Golden Mean in his borrowing, not too little, not too much.
Thus his many accomplishments include having the conviction, wherewithal, and skill to operate with leverage and significant risk over many decades.
Learn how to use this type of three point strategy with the Purposeful investing Course (Pi). This course is based on my 50 (almost) years of investing experience combined with wisdom gained from some of the world’s best investment managers and economic mathematical scientists.
Pi reveals investing secrets and the sciences that make investing easy, safer, less time consuming and increases the chances of profit.
One secret is to invest with a purpose beyond the cash. When we invest with purpose, doing what we love, we do better and we joyfully put in more energy, time and care. This is nature’s irony. If we chase just the money, human nature tends to make it run away. If we pursue our passion and work with more than concern for the cash, the wealth can’t resist us. This is the purpose behind, “Purposeful investing”.
Slow, Worry Free, Good Value Investing
Stress, worry and fear are three of an investor’s worst enemies. These are major foundations of the Behavior Gap, a trait exhibited by most investors, that causes them to underperform any market they choose. The behavior gap is created by natural human responses to fear. The losses created by this gap grow when investors trade short term under stress. More about the gap in a moment.
Learn how to create profitable strategies that combine good value investments with unique, personal goals.
Spanning the Behavior Gap
Behavior gaps are among the biggest reasons why so many investors fail. Human evolution makes fear the second most powerful motivator. (Greed is the third.) Fear creates investment losses due to behavior gaps. Fear motivates us more strongly than desire. By nature investors are risk adverse, when they should embrace risk. Purpose is the most powerful motivator, stronger than fear and greed. One powerful way to overcome the behavior gap is to invest with a purpose.
Combine your needs and capabilities with the secrets and the math through the Pifolio – The Pi Model Portfolio
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 is based entirely on good math.
The Pifolio is a theoretical portfolio of MSCI Country Benchmark Index ETFs that cover all the good value markets using my (almost) 50 years of global experience and my study of the analysis of four mathematical investing geniuses (and friends): Michael Keppler, Eric Roseman, Thomas Fischer (for currency positions) and Richard Smith, PhD (for trailing stop alerts).
The Pifolio analysis begins with Keppler who continually researches international major stock markets and compares their value based on current book to price, cash flow to price, earnings to price, average dividend yield, return on equity and cash flow return. He compares each major stock market’s history.
Michael is a brilliant mathematician. We have tracked his analysis for over 20 years. He continually researches international major stock markets and compares their value based on current book to price, cash flow to price, earnings to price, average dividend yield, return on equity and cash flow return. He compares each stock market’s history. From this, he develops his Good Value Stock Market Strategy. His analysis is rational, mathematical and does not cause worry about short term ups and downs. To invest according to the Country Selection Strategy, it is necessary to construct diversified, risk-controlled, representative country portfolios in every BUY rated country, weighting each country approximately equally in the overall portfolio. It is not appropriate or enough to instruct a stockbroker to simply select stocks in the BUY rated countries.
To achieve this goal of diversification the Pifolio consists of Country Index ETFs that are similar to index mutual fund but are shares normally traded on a major stock exchange that tracks an index of shares in a specific country. ETFs do not try to beat the index they represent. The management is passive and tries to emulate the performance of the index.
A country ETF provides diversification into a basket of equities in the country covered. The expense ratios for most ETFs are lower than those of the average mutual fund as well so such ETFs provide diversification and cost efficiency.
This is an easy, simple and effective approach to zeroing in on value because little management and guesswork is required. You are investing in a diversified portfolio of good value indices. A BUY rating for an index does NOT imply that any stock in that country is an attractive investment, so you do not have to pick and choose shares. You can invest in the index which is like investing in all the shares in the index. All you have to do is invest in an ETF that in turn invests passively in all the shares of the index.
Pi adds my fifty years of experience and brings insights to numerous long term cycles that are part of the universal math that affects all investments.
For example 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!
I did well then, but always thought, “I should have invested more!” Now those circumstances have come together and I am investing in them again.
The circumstances that created fortunes 30 years ago were an overvalued US market (compared to global markets) and an overvalued US dollar.
The two conditions are in place again! There are currently ten good value non US developed markets, plus 10 good value emerging markets.
Pi shows how to easily create a diversified, worry free portfolio that includes each or all of these countries with Country Index ETFs.
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. There is so much more to write and the trends are so clear that I have 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 Keppler Asset Stock Market and Asset Allocation Analysis so you can keep this as simple or as complex as you desire.
The report shows 20 good value investments and a really powerful tactic that allows you to accumulate these bargains now 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.
Research shows that most people worry about having enough money if they live long enough. This powerful profit wave can eliminate that concern. My experience of the 17 years in the 1980s and 90s combined with the science shared by my four friends (Keppler, Roseman, Fischer and Smith) can make the next 17 years so rich, you’ll always be rich.
You’ll receive the report “Three Currency Patterns For 50% Profits or More” free when you subscribe to Pi.
The 50 years of experience the Pi course shares also explains when leverage provides extra potential. For example in 1986 I issued a report called The Silver Dip that showed how to borrow 12,000 British pounds (at almost 1.6 to 1 dollars per pound the loan created US$18,600) and use the loan to buy 3835 ounces of silver at around US$4.85 an ounce.
Imagine investing in a spike like this… with leverage!
Silver had crashed, I mean really crashed from $48 per ounce. As prices decreased from early 1983 into 1986, total supply had fallen to 449.7 million ounces in 1986. Mine production was restricted by the low prices at this time, with silver reaching a low for this period of $4.85 in May 1986. Secondary recovery also was constricted by these low prices.
Then silver’s price skyrocketed to over $11 an ounce within a year. The $18,600 loan was now worth $42,185.
The loan was in pounds and in May 1986 the dollar pound rate was 1.55 dollars per pound. So the 12,000 pound loan purchased $18,600 of silver. The pound then crashed to 1.40 dollars per silver. The loan could be paid off for $13,285 immediately creating an extra $5,314 profit. The profit grew to $47,499 in just a year.
Conditions for the silver dip have returned. The availability of low cost loans and silver are at an all time low.
With investors watching global stock markets bounce up and down, many missed two really important profit generating events.
The price of silver has crashed all the way from nearly $50 an ounce to below $14 an ounce as did shares of the iShares Silver ETF (SLV). (Click on chart from Google.com (1) to enlarge.)
At the same time the silver gold ratio hit 80, a strong sign to invest in precious metals.
I prepared a special report “Silver Dip 2015” about a leveraged silver speculation 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 gained through 30 years of speculating and investing in precious metals. While working on the report, when the gold silver ratio slipped to 80 and the price of silver dropped below $14 an ounce, I knew I needed to share this immediately.
I released a new report “Silver Dip 2015” so readers can take advantage of these conditions and leverage 1.6 times as a speculation.
The speculation is so time sensitive with such fast profit (but also loss) potential that I will only offer it shortly.
You receive the Silver Dip 2015 FREE when you subscribe to Pi.
Subscribe to the first year of The Personal investing Course (Pi). The annual fee is $299, but to introduce you to this online, course that is based on real time investing, I am knocking $102 off the subscription. Plus you receive the $29.95 report “Three Currency Patterns For 50% Profits or More” and the $27 report “The Silver Dip 2015” free for a total savings of $158.95.
Enroll in Pi. Get the first monthly issue of Pi, the first five “Golden Rules of Investing” and the report “Three Currency Patterns For 50% Profits or More” and “The Silver Dip 2015” right away.
#1: I guarantee you’ll learn ideas about investing that are unique and can reduce stress as they help you enhance your profits through slow, worry free purposeful investing.
If you are not totally happy, simply let me know.
#2: I guarantee to cancel your subscription and refund your subscription fee in full, no questions asked.
#3: I guarantee you can keep the golden rules of investing and “Three Currency Patterns For 50% Profits or More” and “The Silver Dip 2105” report as my thanks for trying.
You have nothing to lose except the fear. You have the ultimate form of financial security to gain.
Save $158.95. Subscribe to the Pi for $197.