Tag Archive | "allergies"

A Dog’s Life


A dog’s life can be pretty good, especially if when they live at our farm. 

Looking at a little known way that a dog’s life can make all our lives better reveals an important lesson in life worth remembering.

Ma & Chuk

Our hounds, Chuk and Ma.

The lesson to remember is that medicine is dose.  Some poison, in the correct amount, becomes great medicine, for the body, for the bank account and for the soul.

A Wall Street Journal article about a dog’s life “How Dogs Might Protect Kids Against Asthma: Gut Bacteria” (1)  tells of a study on how a pet dog creates diversity in human microbes.   There appears to be a relation between the  diversity and lower risks for asthma and allergies in children.

The article said:  “Having dogs in the house might inoculate the GI tract of babies and lead to a more mature immune response that is less sensitive to many allergens”, said Susan Lynch, an associate professor in the division of gastroenterology at University of California, San Francisco and senior author of the study, published in the Proceedings of the National Academy of Sciences.  “We develop this great diversity of organisms [in the gut] over the first couple of years of life,” Dr. Lynch said.  The gastrointestinal microbiome is the subject of a growing body of research showing the bacteria play key roles in metabolism, immunity and a variety of other biological processes.

Here is the message.  Bacteria, a.k.a. germs, can be (in fact are) good.  Yet the tendency of our modern world is to paint all things black or white.  We are encouraged to indulge in the white and totally avoid the bad.  Germs = bad… avoid =  kill.  Supermarkets even put hand sanitizers at their entrances so we can KILL ALL GERMS.  Heaven forbid we touch a shopping cart that has germs.

The reality is, immune systems need germs to learn how to fight them.  The process is one we all know, inoculation, the introduction of a poison or germ into our system so our immune system creates a defense.

Weirdly, the same institutions that suggest we avoid or kill all germs tries to fill us (especially our children and grandchildren and grandparents) with vaccinations, using the same principle.

The principle of poisons works at many levels in our life.

Take for instance junk food.  Junk food is toxic, a poison.  Avoid it?  Dr. Stephen T. Chang in his book, “The Tao of Balanced Diet” says, NO.  Chang wrote that we live in a toxic world with no hope of immediate change so we cannot avoid toxins all the time, for as long as we live.  “We must thank God for giving us livers for our livers are toxin filters and detoxifiers, without which we cannot live.

He goes so far as to suggest eating junk food once in awhile to temper the liver is good.  He wrote:  “Living strictly on pure foods in pure environments can weaken the liver’s ability to tolerate toxins, a single exposure can be fatal.”

At the level of finance, competition can seem like poison if it attacks the businesses we run or invest in.   Yet as capitalists, we know that competition can create a positive evolution.  Without competition, we might all be driving Edsels or worse, still rising horses.

Too much competition, too much junk food or too many germs can be bad, but medicine is dose.  If we reverse our thinking from the thundering herds we are more likely to spot value when we see something that really is good that the masses think is bad.   Think about this, “A spoonful of medicine helps the sugar go down”.

Next time we face a problem or poison or toxin, let’s think about ways we can take just the right amount of it.  The process can make us stronger because medicine is dose.

Gary

(1) Wall Street Journal A dog’s life

Essential Oil Deodorant for Natural Health

Here is why I am excited about the essential oil deodorant Merri and I use.

Merri and I lived and worked with this Ecuador Yatchak for seven years.

ecuador shamans

This photo was taken after a purification ceremony at a sacred spring.

One of the main ways this shaman helped restore our health was through purification.  He had us walk in mountain mists.  “The negative ions in the mists attach to free radicals and purify the skin to cleanse us from the inside out,” he said.  Another purification was of our blood.  He fed us herbs, minerals and a low calcium diet.  There was almost no dairy served.  We used watermelons, pineapple and sweats to purify.

One of the most important lessons gained is that the first rule of good purification is “Avoid getting impurities in your body in the first place!”

Everyday living bombards most of us with all types of toxicity, from the air we breath, to the water we drink, even the receipts at the supermarket may be toxic.  Merri and I compensate for this by taking care in what we eat, drink and especially breathe and put on our skin.  The fastest way for any element good or bad to get into the blood stream is via the lungs and the skin.

Now there is a better way to replace a toxin with a purifier.

Since it is difficult for most of us to avoid toxicity in the West, this message looks at a longevity alternative and begins by showing how in the early 2000s, due to strict FDA  regulations, the government has approved a product that may encourage cancer, create dementia, Alzheimer’s and complicate kidney problems.

The FDA issued a final rule which said “over-the-counter (OTC) antiperspirant drug products are generally recognized as safe and effective and not misbranded as part of FDA’s ongoing review of OTC drug products”.  I suspect that part of this ruling was influenced by scientists with the Personal Care Products Council, the trade association that represents the cosmetic and personal care products industry.  They have claimed that “antiperspirants can be used with high confidence of their safety. They’ve been used for many years, and there’s no evidence that suggests a problem“.

Many people use over-the-counter antiperspirant drug products every day because almost everyone does.  That’s the way its seems like it has always been.  Is this wise or simply the massive repetition of an error?  We assume that the FDA exists to protect us, but must ask this question, “How much should we trust?”

The FDA’s claims of safety are not entirely correct, because antiperspirants contain aluminum. 

An article at Duke University’s Nicholas School of the Environment helps clarify the risks of placing aluminum under our arms every day. (2)  This article says of aluminum, a main ingredient in antiperspirants, “What’s it good for in humans? Simple answer: not very much.  Except for possible involvement in some enzymatic reactions, aluminum “has no known function in the human body.”   While there is little or no upside for aluminum in the body, there is a most definite downside: aluminum is a neurotoxin.

The Aluminum Downside

The Duke article (linked below) contains numerous links to a number of negative health effects, including impaired mental and motor function, Alzheimer’s and other brain diseases, and bone diseases.  It points out a number of questions about aluminum’s impact on human health and explains there is not much study on aluminum antiperspirants.  Then it says: So, while the FDA regulates antiperspirants as over-the-counter drugs and deems them safe, it hasn’t based its decision on a large body of work specifically examining these products.  So rather than a stamp of approval, FDA’s aluminum regulation seems more an indication that, given the ubiquitous nature of aluminum, exposure from antiperspirants isn’t believed to be unsafe.”

Antiperspirants and Disease:  It’s the Pits

In other words there’s no definitive answer.  There are links between aluminum and disease, yes.  There is a link to Alzheimer’s, dementia, diminished thinking and cancer but, no study provides specific proof of a direct link between antiperspirants and these problems.

We can see the risks of aluminum more clearly at a different government source, the Agency for Toxic Substances & Disease Registry. (3)

This agency’s report on aluminum says: Workers who breathe large amounts of aluminum dusts can have lung problems, such as coughing or changes that show up in chest X-rays.  Some workers who breathe aluminum-containing dusts or aluminum fumes have decreased performance in some tests that measure functions of the nervous system.

Some people who have kidney disease store a lot of aluminum in their bodies.  Sometimes, these people developed bone or brain diseases that doctors think were caused by the excess aluminum.

Although aluminum-containing over the counter oral products are considered safe in healthy individuals at recommended doses, some adverse effects have been observed following long-term use in some individuals.

Studies in animals show that the nervous system is a sensitive target of aluminum toxicity.

Then there is the question of  parabens.

A health warning from Mercola.com (4) says:   99% of Breast Cancer Tissue Contained This Everyday Chemical (NOT Aluminum). Recent research found higher concentrations of parabens in the upper quadrants of the breast and axillary area, where antiperspirants are usually applied, suggesting they may contribute to the development of breast cancer.

The data from this latest study, the most extensive examination of parabens in human breast so far published, confirms previous work and raises a number of questions on the entire parabens, personal care product and human health debate, particularly relating to the source and toxicological significance of the paraben esters.

Merri and I have not used antiperspirants for decades.  We eliminate a potential toxicity and use purifying essential oils instead.  For years we have used a facial rejuvenation, Rose Otto essential oil formula, created by, Candace Newman. Essential oils help balance the body so it can eliminate impurities. Essential oils eliminate daily applications of numerous toxins that most Westerners are bombarded with from antiperspirants.

However, Candace has created a new, stronger deodorant based on Tea Tree Essential Oil.

Candace is one of the world’s experts on essential oils, developing formulas, writing, teaching and lecturing.  During this time she has spoken at hundreds of events and on radio and TV, at conventions, retreats, lectures and classes for the general public.  As a volunteer at Hospice, she taught hundreds of nurses, staff, caregivers and volunteers how to use essential oils.

I am using Candace’s new HealThy Essential Oil Deodorant and like it so much I decided to make it available to all my readers at a really special price, lower than I believe you can get a similar product anywhere.

This essential oil formula acts like a deodorant and helps improve rather than decrease natural health. 

Let me begin by saying that essential oils have not been evaluated by the FDA as cures for any specific illness.  This product is not intended to diagnose, cure or prevent disease.  It simply a common sense approach to assume that putting organic, all natural essential oils under your arms is better for you then chemical laden deodorants and antiperspirants.

Candace’s new essential oil blend is called the “OLA HealThy Deodorant” and it can be used as a healthy deodorant and underarm lymph massage oil.  The lymph area is close to the heart, lungs and breasts, a significant place to use this synergy of oils to support good health of the body and mind.  OLA HealThy Deodorant  can also be used for rashes, irritated skin, and healthy nails.

The OLA HealThy Deodorant contains essential oils specifically known for supporting a healthy immune system  antimicrobial effects and the ability to neutralize odors.

The OLA HealThy Deodorant  contains only pure essential oils and Organic Golden Jojoba, so it is safe and effective for underarm lymph massage and skin care.

The essential oils in the formula are:

Tea Tree  (Melaleuca alternifolia) – broad spectrum of antimicrobial activity against bacteria, viruses, fungi. (The #1 First Aid Oil for skin infections and tissue issues of all kinds.)

Lavender (Lavandula augustifolia) – antiseptic, antimicrobial, deodorant, anti-inflammatory. This #1 Balancing Oil for the central nervous system is highly antiseptic.  Great for balancing skin bacteria and combating odors.

Lemon (Citrus limonene) – antimicrobial, antiseptic, astringent, antibacterial, tonic. The Oil of Sunshine to cleanse our skin, lift our spirits, and combat negative smells. Lemon is an exceptional antiseptic with a joyful aroma.

Geranium (Pelargonium roseum) – deodorant, fungicidal, antiseptic, antibacterial. The Soothing Oil for calming down skin irritations and our nervous system. The rose element in this Geranium is nurturing to our physical and emotional state … our whole sense of well-being.

Myrrh (Commiphora myrrha) – anti-inflammatory, antimicrobial, antiseptic, astringent, anti-fungal. An Oil of Antiquity renown for skin and wound care. Used in healing unguents of Ancient Egypt. Also known to instill tranquility and peaceful effects on many levels.

Use a purifier rather than a toxin and save at the same time.

You save first because you can also throw away expensive colognes, perfumes and face cremes as well as deodorants.  You save money as you gain a chance for better health.  Only one or two drops are required so a bottle goes a long way. One bottle lasts for a couple of months for me.  If you use it for the face as well… obviously it will go faster.

The price is already low, but during the sale the price is less than half that charged for 3 ounces of  women’s DERMAdoctor Total NonScents Brightening Antiperspirant.

More importantly this could offer a lifesaving savings.  According to answers.yahoo, the treatment cost for stage 3 non-hodgkin’s lymphoma can easily exceed $300,000 so cutting off  potential health problems at the pass can really make sense.

deoderant

Merri and I love the refreshing smell and feel of this spray that eliminates the need for perfume, cologne and antiperspirants that may contain unhealthy chemicals.   I recommend you try The OLA HealThy Essential Oil Deodorant.

Find out more about OLA HealThy Essential Oil Deodorant or order here.

Candace has also added a OLA HealThy shampoo to replace shampoos that contain chemicals.

Find our more about OLA Essential Oil Shampoos here.

Gary

(1) Is Your Deodorant Drugging you Every Day

(2)  blogs.nicholas.duke.edu/thegreengrok/antiperspirants/

(3)  The Agency for Toxic Substances & Disease Registry.

(4)  Dr. Mercola article 99% of Breast Cancer Tissue Contained This Everyday Chemical (NOT Aluminum)

 

Ecuador’s Got Milk & Honey


Ecuador is the land of milk and honey for less… really.

In a moment we’ll look at some global investing ideas. Or you can skip Ecuador milk and go directly to Global Investment Thought.

First, how about some raw milk?

ecuador-farm

Our hotel Meson de las Flores makes its own ice cream with fresh raw milk from local diaries, plus they…

ecuador-food

make and press their own fresh butter.

Our health is enhanced with raw milk and in Ecuador raw milk is easy to obtain. We get it for the hotel every day. The cost is about 45 cents a quart, delivered fresh daily from the local dairy.

In the US, it’s a task.  To get it in North Carolina, we have to buy it from a friend of a friend who will not say who produces the raw milk.

In Florida I noticed a health food store selling raw milk and raw organic yogurt labeled “for pet use only.”   We used to buy our French salt in a similar way “for deer licks only”!

How sad that informed adults have to play such games to get what is good that they want.

There is very little raw milk sold in America and this is sad as it’s a highly health-promoting food. The government story is that raw milk can carry disease. More to the point pasteurizing milk extends shelf life and makes it easier for big business to be more profitable.

One can become sick from any contaminated food as the nation has learned from meat, spinach and peanut butter all to well.

In California where raw milk can be sold, millions have consumed it without a single person getting sick. During the same period, there were many instances where people became so ill from pasteurized milk they died!

Raw milk provides minerals, beneficial bacteria such as lactobacillus acidolphilus, vitamins and enzymes and in Ayurved is considered one of the best foods there is. Pasteurized non organic milk is viewed as poison as the process changes the structure of the milk proteins and destroys the milk’s beneficial bacteria.

Pasteurized cow’s milk has been associated with intestinal distress, iron-deficiency anemia, allergies, osteoporosis, arthritis, heart disease, cancer and more.

ecuador-farming

With so much sun and plenty of rain, the grass is rich, even in Cotacachi at 7,500 feet altitude for…

ecuador-farming

these organic cows.

Raw Milk Delight

One great food made from raw milk was taught to Merri and me by a shaman here in Ecuador. I call it Sun Yogurt. Get raw milk. Boil it. Let it cool. Pour it in a green bottle. Add a bit of yogurt if you wish. Set it in the sun for the day. That night you will have a rich creamy almost custard yogurt! It’s rich and delicious.

In Ecuador we buy fresh, raw milk by the pail full… creamy to make our own butter, ice cream and yogurt.

There is great fresh, non fermented (queso fresco) cheese in the markets.

ecuador-food

Nearby our hotel there is also organic dairy and Swiss cheese factory. Here is the barnyard and…

ecuador-farm

here are their cows.

ecuador-farm

Their equipment.

ecuador-farm

Their cave filled with great Swiss cheese.

Ecuador-milk

We serve this Ecuador cheese at our hotel.

ecuador-farm

Ecuador also has really great honey that creates some export income opportunity… like this honey and Macadamia nuts offered by the Ecuador Honey Company. We”ll look at this in more detail in tomorrow’s message.

ecuador-honey

Learn more about our Oct. 21-24 Ecuador Import Export Tour here

Global Investment Thought

Jyske Global Asset Management’s recent update points out what is becoming obvious… the global economy is picking up.  JGAM said:

*  The Case-Shiller U.S. home price index rose for the second month in a row in June.

* The German IFO business confidence survey came in above expectations, rising for a fifth month in a row.

* Australia’s leading economic indicators continue to suggest a broad recovery over the coming months.

* BCA’s (Bank Credit Analyst) Global Inflation Diffusion Index highlights that most components are falling. Furthermore, inflation typically responds to fluctuations in growth with a 1-1½ year lag, and this time around there is greater slack in the global economy.

In other words, the economy is recovering and inflation is down.

The immediate risks are that traditionally September and October are the most dangerous months for the US stock market.   Signs of a double dip recession coinciding with the traditional market dip could create a new wave of self fulfilling fear.

This will create a good buying opportunity both in equities and real estate.

What’s a Double Dip?

I rarely allow myself to eat ice cream but recently while visiting grand kids, we took them to a Creamery and can attest to the fact that a Sweet Cream and Chocolate double dip on a waffle cone is,  taste wise, pretty darn good.

Double Dips in the global economy do not bode so well, however.

A recession is a time of economic contraction and have always been followed by a return to economic expansion.  However once in awhile when economic distortions that are being sorted out are severe, when the expansion finally starts, it does not continue.   The economy contracts and dips back into recession again.

Economies now are improving globally.  Yet unemployment and foreclosures remain a problem.  Later this year  a second “double dip” recession could return as it did in 1980, then again in  1981-82.

Current conditions are quite different now than in the early 1980s, the 1980-1983 downturn was eventually turned around with major federal spending and a major tax cut.

The period 2007-2010 cannot expect the tax cut which is a shame because Federal spending tends to be less efficient than tax cuts, Federal spending is usually inefficient. Tax cuts stimulate business and inroads into new forms of productivity.

Stock markets tend to do well (as they are now) in the middle of recessions. During the worst of all 1930s depression, the Dow rose 66.7 percent in 1933 and 38.5 percent in 1935. This is because big value oriented investors look ahead.  Eventually economies recover and  grow. This is when value investors cash in.

Yet the poor employment scenario suggests that the equity recovery could be modest.  If this fact teams up with the nervousness acquired in 2008 and the autumnal downward forces… the most likely time for a market set back will be September and October.

With this in mind… values are good now for investors who can afford to buy and ride through another downturn that could last a year or so.

Until next message, may all you life be rich and delicious.

Gary

The greatest asset of all is the ability to earn wherever you live, which brings everlasting wealth.

This is why we offer our course Tangled Web… How to Have an Internet Business.

A clear mind and healthy body are also a vital assets… plus a second language is a powerful diversification tool.

This is why if  you attend either our Ecuador Super Thinking plus Spanish seminar in September or our North Carolina International Business & Investing seminar in October I will email you our Tangled Web… How to Have an Internet Business Course (offered at $299) free. You save $299.

Here are comments from a reader about the way we help:  Hi Merri, I wanted to thank you once again for your recommendation
 that I try Sol de Vida. I have had time for thirteen treatments but 
now it’s time for me to return home. The people there are wonderful 
and I’m happy to say there has been a dramatic improvement in my
(used-to-be) “bum” leg.  I can now walk much longer distances and
 remain pain free!
 
FYI, Sol de Vida changed to a  new facility near Meson.  

I enjoyed my stay here at Meson and in Cotacachi and hope to return
 sometime soon… thanks again for your assistance!

Join us at a seminar and tour and have a pain reduction treatment at the same time.

Sept. 17-21 Ecuador Super Thinking + Spanish Course

Sept. 23-24 Imbabura Real Estate Tour

Sept. 25-28 Ecuador Coastal Real Estate Tour

Learn more about global investing, how to have an international business and diversification in Ecuador at the seminar.

Oct. 9-11 IBEZ North Carolina with our webmaster  David Cross & Thomas Fischer of JGAM

October 16-18 Ecuador Southern coastal tour (early sign up before Sept. 1, $499 per person).

Oct. 21-24 Ecuador Import Export Tour

Oct. 25-26 Imbabura Real Estate Tour

Nov. 6-8 IBEZ Ecuador Seminar

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

Attend any two Ecuador seminar or tours in a calendar month…$949 for one.  $1,349 for two.

Attend any three Ecuador courses or tours in a calendar month…$1,199 for one.  $1,799

International Investment Purification


What is the difference between health and wealth? Not much, just WH.   They are very connected. Without good health, wealth may not last long…  nor is wealth very important when health fails, except to regain health.

We can apply an idea about having better health through purification, to enhance our wealth.  We can improve our wealth by removing toxic investments from our portfolio.

In a moment we’ll also look at investing in sustainable timber and see an Ecuador visa update.

sustainable-investment

Sustainable Timber.

First, let me begin with a purification health tip.

The tip is in the summer eat a watermelon.  Many ancient healing traditions (including Andean) view the body as having several elements including water, fire and air. Imbalances of these elements reduces energy, vitality, even leads to illness. The seasons too contain elements of fire, water and air. Water is predominant in spring, fire in summer and air in autumn-winter. Our bodies tend to accumulate these predominances during the season. In winter we have air imbalances (leading to dry throat called colds). In spring we pick up too much water (runny noses we identify as allergies, etc.). So at the beginning of each new season, it’s a great idea to clean the system out.

Watermelon is a cleanser of heat. During the summer the body accumulates heat.  Eat a whole, big watermelon if you can. This works in the summer when the flushing action removes excessive fire, water and air. The melon must be fresh, cut and eaten within 20 minutes. Watermelon is a sponge that absorbs and flushes free radicals from the system. If you let the melon sit after cutting, it oxidizes and loses its cleansing capacity.

Sound crazy? I thought so but tried it after watching a Shaman prescribe it for a woman suffering a severe rash (a summer fire imbalance). I felt so good, I make this a regular habit each summer. About once a month I eat only watermelon… three in a day if I can.

So how do we purify our investment & business portfolios?

One really simple tip for detoxifying your investment portfolio is to sell your losers and keep your winners.

This sounds awfully simple but forty years of working with investors has shown that most investors do exactly the opposite… except the pros. They all know… sell the losers.  Next time you invest, set a limit you will allow the investment to drop before you sell.  Stick to it!

The second trick is review your portfolio now. Are there any investments you hold that you would not buy right now?  Consider selling them. Take the loss and look for something better.

Another way to purify business and investments is to simply take a holistic long term view with expanded horizons.

Since we were looking at watermelon purification, let’s take investments in nutrition as an example.

Here is an excerpt from an article in Time magazine entitled “The Real Cost of Cheap Food” by Bryan Walsh:

Somewhere in Iowa, a pig is being raised in a confined pen, packed in so tightly with other swine that their curly tails have been chopped off so they won’t bite one another. To prevent him from getting sick in such close quarters, he is dosed with antibiotics. The waste produced by the pig and his thousands of pen mates on the factory farm where they live goes into manure lagoons that blanket neighboring communities with air pollution and a stomach-churning stench. He’s fed on American corn that was grown with the help of government subsidies and millions of tons of chemical fertilizer. When the pig is slaughtered, at about 5 months of age, he’ll become sausage or bacon that will sell cheap, feeding an American addiction to meat that has contributed to an obesity epidemic currently afflicting more than two-thirds of the population. And when the rains come, the excess fertilizer that coaxed so much corn from the ground will be washed into the Mississippi River and down into the Gulf of Mexico, where it will help kill fish for miles and miles around. That’s the state of your bacon — circa 2009.

The U.S. agricultural industry can now produce unlimited quantities of meat and grains at remarkably cheap prices. But it does so at a high cost to the environment, animals and humans. Those hidden prices are the creeping erosion of our fertile farmland, cages for egg-laying chickens so packed that the birds can’t even raise their wings and the scary rise of antibiotic-resistant bacteria among farm animals. Add to the price tag the acceleration of global warming — our energy-intensive food system uses 19% of U.S. fossil fuels, more than any other sector of the economy.

And perhaps worst of all, our food is increasingly bad for us, even dangerous. A series of recalls involving contaminated foods this year — including an outbreak of salmonella from tainted peanuts that killed at least eight people and sickened 600 — has consumers rightly worried about the safety of their meals. A food system — from seed to 7‑Eleven — that generates cheap, filling food at the literal expense of healthier produce is also a principal cause of America’s obesity epidemic. At a time when the nation is close to a civil war over health-care reform, obesity adds $147 billion a year to our doctor bills. “The way we farm now is destructive of the soil, the environment and us,” says Doug Gurian-Sherman, a senior scientist with the food and environment program at the Union of Concerned Scientists (UCS).

First Lady Michelle Obama’s White House garden has so far yielded more than 225 lb. of organic produce — and tons of powerful symbolism. But hers is still a losing battle. Despite increasing public awareness, sustainable agriculture, while the fastest-growing sector of the food industry, remains a tiny enterprise: according to the most recent data from the U.S. Department of Agriculture (USDA), less than 1% of American cropland is farmed organically. Sustainable food is also pricier than conventional food and harder to find. And while large companies like General Mills have opened organic divisions, purists worry that the very definition of sustainability will be co-opted as a result.

But we don’t have the luxury of philosophizing about food. With the exhaustion of the soil, the impact of global warming and the inevitably rising price of oil — which will affect everything from fertilizer to supermarket electricity bills — our industrial style of food production will end sooner or later. As the developing world grows richer, hundreds of millions of people will want to shift to the same calorie-heavy, protein-rich diet that has made Americans so unhealthy — demand for meat and poultry worldwide is set to rise 25% by 2015 — but the earth can no longer deliver. Unless Americans radically rethink the way they grow and consume food, they face a future of eroded farmland, hollowed-out countryside, scarier germs, higher health costs — and bland taste. Sustainable food has an élitist reputation, but each of us depends on the soil, animals and plants — and as every farmer knows, if you don’t take care of your land, it can’t take care of you.

Big problems create opportunity and investments in apparently obscure but sustainable food and energy ideas can help take toxicity out of your business as well as investment portfolio.

Sustainable may not seem profitable now… but neither did Microsoft when the idea of individual PCs began.

Sustainability is vital to our future. Sustainability is a huge problem and hence opportunity so though it will not arrive overnight…this is a sector we can invest in to detoxify our wealth.

Since we are connected to our investments… this process will also help us learn to eat and live better and help purify our health as well.

Sustainable Tables

Another way to purify your portfolio is to look for opportunities where you invest your own energy as well as your cash… like we are doing with our value added sustainable timber below.

Here is one little idea we are trying in our new little Blue Ridge Crafts business.

For years I have written that timber is a great investment.  Timber is the only commodity where the supply increases even when demand is down.  All you have to do during bad times… of low demand… like now is don’t sell.  Your timber continues to grow!

Now we are doing a business using dead timber and adding value!

We are turning dead wood, like this poplar log, into a business.

sustainable-investment

This poplar sitting right behind our house died a few years ago and dropped branches on the house all winter. This spring we trimmed off the branches and last week brought it down… cut it in three pieces and dragged them to one of our fields.

We set up a portable mill and…

sustainable-timber

cut over a thousand board feet of nice poplar planks.

sustainable-investment

We also…

sustainable-timber

cut one huge 13 foot long slab for a table top so if anyone is interested in a 12 foot poplar table… that you help design yourself… let us know.

This is a pretty small step towards sustainability but if we all think about ways to purify our investments, our business and body, our health and our wealth…at the big level and small will improve.

Ecuador Visa Update

A reader who travels frequently in business asked how to handle  the fact that Ecuador immigration policy does not allow a new resident to leave for more than 90 days a year for the first two years.

We checked with one of our Ecuador Living advisers, an attorney who specializes in immigration, who replied:

Please notice that in theory all resident visas come with the obligation not lo leave Ecuador for more than 90 days a year in the first two years.

Nevertheless, please be advised that authorities until now have not automatically removed a resident visa for this matter.

We have noticed that once the visa is stamped and if the passport is valid for more than two years, then you do not need to go to the Ecuadorian immigration authorities for anything else. This reduces the risk of the authorities reviewing how long you have you been outside of Ecuador during the first two years.

A good number of our clients have obtained the resident visa and have been outside of Ecuador far more than the 90 days with no complication whatsoever.

Anther option is to travel into Ecuador on a tourist visa which allows a stay in Ecuador for up to 90 days every year and this can be extended  for 90 days more.

Whether you want to live, do business or and invest in Ecuador, Smalltown USA or anywhere in the world… if you think sustainable, you are thinking… the future. This is a great place to be.

Gary

How We Can Serve You

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.

This is why I am making a special three day “Let’s get our lives back offer”.

“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 most likely to make good investment, business and lifestyle decisions.

Without comfort, no matter how much money a person has changes are, they’ll eventually lose it or kill themselves with stress from worry.

There is a way to have the perfect form of financial security.  Let’s call it the perfect pension.  To help understand how to build an unshakable economic platform, here is Part One of the report, The Pruppie Factor.

The Pruppie Factor – Seven Steps to Comfortable Living & Profits.

“May you live in interesting times”.  That’s a Chinese curse that seems to have been cast on our modern world.  We can enjoy comfort and profits in the year ahead despite this fact.

Become a Pruppie.  Integrate your earning with your investing and enjoy peak living, everlasting wealth and natural health with PIEC Investing in the year ahead.

Before we look at what PIEC means, let’s delve into Pruppieism, the new economic and social realism.  Pruppies expect everything to expand.  They take advantage of every new benefit and technology they can.  Pruppies enjoy using the fruits of our ancestor’s deliberations and labors to earn in this advanced technological world.  They also engage in activity that they love that would sustain them in case society and the incredibly intricate weave of our global economy and society should fail.

Pruppies are prepared in case everything, everywhere, or at least everything relating to their income and savings fails and the fabric that surrounds their lives disintegrates into an unknown veil.  Yet a Pruppie’s preparation is not a sacrifice, but a joy as you will see.

Hope springs eternal and it should.  One of the key themes in my first book, Passport to International Profit, (published in the 1970s) was “The Sun Always Shines Somewhere”.  This thought has been in and remains a foundation of everything I do.

Sometimes this sunshine is hard to see because the press always focuses on doom and gloom.  Current news often makes the world seem about to end.  We cannot blame the press. Bad news sells.  The majority seem to want to worry instead of learn about all that’s good.  This does not make doom and gloom right.  This is why the majority are also the rich portion of the population, but bad news is an economic fact for the press.

Yet despite all the negative headlines, we have lived through the Cold War and MAD, Y2K, GridX II, the Peak Oil Crisis, the recession of the 1970s, 1980s 2007, etc. etc. etc.  Chicken Little is always out there, selling the falling sky.  Don’t buy into this story!

History suggests that there will always be opportunity.  The sun always shines somewhere.

Brexit, global warming and the election of Donald trump as President of the United States are 2016 examples of how the press gravitates to negative news.  These three events may be bad news or not.  The future will tell, but they are examples of how the media focuses on tiny parts of our infinite existence.  They can make anything and just about everything seem negative.  This can blind us to the positive realities ahead, if we let it.  Don’t.  Expect that the world will remain standing and look for opportunity instead!

Our wealth and economic opportunity is pushed by supply and demand.  We are part of a growing global population.  New technology makes more people, as a whole, more productive every day.  The world has increasingly larger markets creating more supply in increasingly efficient ways.

This reality increases everyone’s wealth.  Yes there is a lot of bad news in many places.  There is inequality.  There is crime.  There is war and hate and injustice.   Despite these negatives there is even more that is positive.  Opportunity grows.

Pruppies tap into and use every bit of the good news they can.  They have a plan B if everything goes wrong, but Plan B is based on something a Pruppie wants to do we love, not just a shelter from bad news.

At the end of this report, you’ll find three day special offer that can help you integrate earning and investing for the ultimate form of profit and safety.

Imagine this example of Pruppism.  The Tiffany lamp casts an amber glow, rich, ivory and warm in the grey gloom of early dusk.  The gold knobbed mahogany desk, its deep patina waxed and smooth, shines with reflections of ancient leather Chesterfields stuffed full, but rumpled with age and of maritime shots that hang in brass frames on the wall. The room speaks of settled tradition, the kind that might never end.  But thoughts instead are on the demise of the business that has supported this room.

The late Jim Slater of Slater Walker, a British industrial conglomerate turned bank in the 1970s was in that room.  I recall his bank’s collapse well as I was living in Hong Kong and Slater Walker was a huge going concern in what was a British colony in those days.  The Slater Walker crash was big news that unsettled the entire British banking system at the time.

Slater, the founder, had been a really high roller, using every modern banking tactic available including buying many assets with cheap loans.  Then in the mid 1970s banking crisis interest rates skyrocketed and his bank was unable to refinance its debt.  The company failed and Slater had to resign.  Numerous charges were brought against him and he spent considerable time defending what he had done.

In the end he was only fined a nominal sum but despite this, his banking career was well and truly dead.

However he had already moved on.

He wrote about this in his autobiography, “Return To Go”.  He had always had a hobby making puppet shows and telling stories to his children, so instead of banking, he turned his passion into profit and wrote some children’s books.  His first effort sold a respectable 35,000 copies.  His next a monster series for younger children, became a huge hit.

He had also maintained a hobby of salmon fishing so again turned his passion into profit by creating a business that bought up fishing rights and resold them as time-shares.  He had quite a success.

Some day a catastrophe beyond our control could redirect the course of our lives.  We might lose a job, learn that our pension won’t pay or that our dollars won’t buy as much as they must.

Though Jim Slater was a banker, outside economic forces beyond his control caused his business disaster.  Yet he had options because he had been doing things he loved that were not related to his banking, but could become useful income generators in difficult time.

I do not know if Slater understood Pruppism but that’s what he was practicing.

Pruppism is a positive realism based on the knowledge that much of our lives are directed by events that we do not know or expect and could not change them even if we did.  There is always something we do not know and that’s okay.

Years ago I was speaking at an investing seminar in Marbella Spain.  One of the speakers was a brilliant strategist, Johan Peter Paludan, of the Copenhagen Institute for Futures Studies.  This institute has a large interdisciplinary staff with expertise in economics, political science, ethnography, psychology, engineering, PR and sociology.  They identify and analyze global trends that influence the future.  Paludan was speaking of these trends and answering questions that delegates had about the world’s economic future.

One delegate asked what to do if there was a global nuclear exchange.  Paludan replied that the results of some events are so unpredictable that it is not worth trying to plan for them.

This thought has stuck with me for decades because it helped me realize that no matter how cautious, how defensive and careful we are, there are events that we cannot even imagine that can turn our lives upside down, for the good or bad.  With this in mind my wife Merri and I have created a lifestyle where we turn our passions into profit but in a way that whatever happens we are likely to be in a position to spot the positive and the opportunity.

A PIEC Experience

Pruppies gain the benefits of PIEC wealth.  PIEC is an acronym for “Personal Income Earning Corridor”.  PIEC income and wealth come from doing what you do for love, rather than just the money.

Traditionally people get jobs to create income.  They work to live and support their lifestyle while attempting to spend less than they earn.  They hope, that maybe the savings will bring, sometime in the future, a lifestyle of doing something enjoyable without work.

Pruppies reverse the priorities.  Instead of working for money to save and invest, they focus their prime effort on doing something they enjoy right now.  Then they learn how to enjoy the effort in some profitable way.  They learn to create “Avenues of Abundance” that combine lifestyle with the necessary task of accumulating wealth.

If economic circumstances tie them to an existing income effort, they create hobbies that are income producers of the future.

For example, if a Pruppie loves golf; instead of working six days a week, 50 weeks a year just to golf on Sundays and during short vacations, instead he or she will create a business in some aspect of the golfing trade.

In another example, a client of mine, who loved animals became a vet.  But he learned that the vet’s lifestyle was not one he enjoyed.  He wanted to travel and move around, which is difficult for a professional who needs to stay at his office and build a practice.  So he built a business that prepares special animal foods for race horses.  Now he travels globally visiting horse breeders and makes much more money as well.

Pruppies combine money with time, energy and desires.  They generate income doing something desired.  Desire and fulfillment become at least as, if not more, important as the money.

#1: Do What You Love!

The reason PIECs work well is that when we love to do something, we do it better, for longer and with greater enthusiasm.

Effort, determination and tenacity are wealth building attributes that cannot fail.  Yet Pruppism does not mean we should suddenly abandon our jobs and try becoming golf pros, when we have never been able to break 100.  Smart Pruppies start small and gradually expand into their passion.

For example, as a writer and lecturer, I was never fully satisfied sitting behind a desk or standing on a podium all day long, even though I was making over a million bucks a year. I’m the physical, outdoors type and yearned for exercise and the wilds of the deep woods. “What good’s the money if this isn’t fun?” I often asked myself.

Rather than quit writing and teaching, I looked for ways to combine these professions with the outdoor life.  Through research I learned that many city folk like myself yearn to be in the primitive outdoors.  So I bought an isolated farm high in the Blue Ridge Mountains and an Andean plantation high in Ecuador where I developed seminar centers with charming but simple dwellings, set in rustic surroundings, with clean water and pure air.  Now I live in nature so after I finish the writing or talking, I can walk in the woods or take my axe and chop firewood or something physical.  I’ve combined my writing with physical work and have blended the life I want, with my readers’ needs in a way that makes great financial sense.

We built a series of cabins in the wild that bring more profits than most stocks or bonds could ever return.

The process took six years to shift. Now we have been at this for nearly two decades and we are far from finished.  But while doing what we love, who cares? This is one of the great benefits of PIEC investing. We can slow down and enjoy the work instead of always rushing ahead, looking for something more.

Those who work nine to five can start PIEC businesses part time if they are too uneasy to quit their jobs. Others, who like myself, already have a business can slowly shift their product or service in a sensible way and let it evolve toward their PIEC.

But where do we start?

There is a seven step process we can all use whether we have our own careers, a business or even if we are retired (PIEC investing is especially good for retired folks who have found the supposed good life flat or financially short).

The first step is to get a clear idea or vision of our dream.  This is sometimes harder to achieve than it seems.  We are so deluged with false ideals from Washington, Wall Street, Madison Avenue, etc. that we have to stop and really take stock.  What do we sincerely want?

There is a very practical economic reason to look inwards for wealth.  Warren Buffet recommends that we only invest in what we understand. What can we understand better than ourselves?

This inner search will lead us to an ideal that begins the second step which is gaining enthusiasm.  How can we be anything but enthusiastic about finally fulfilling our deepest dreams?  The enthusiasm leads to the third step; gaining an education.

We need to find out everything we can about our idea.  To succeed we must take the third step and become real experts in the product or service we offer.

Fourth, this educational process allows us to develop an intelligent, focused business plan we can act upon and the action is the fifth step which brings us the experience. Experience gives us the sixth step, a financial loss or profit.  We always profit in increased knowledge which creates the seventh step, more ideas.

Then the entire cycle starts all over again: Idea, Enthusiasm, Education, Action, Experience, Financial Profit and New Ideas.

This is a way to keep adding new opportunities into our lives.  Business is rarely static. It is an ever evolving process instead.

This seven step cycle may take days, weeks, months or years, but the moment you begin you’ll start moving into an avenue of affluence where you love your work so though money isn’t your main goal it comes more easily.

#2: Do what you love, but also be of service.  Do something for others that is meaningful and important to you.

We all have a purpose in life and when we are filling it, we feel fulfilled.  Wealth and fulfillment is the goal.  Fulfillment is important because of the law of diminishing returns.  A 2008 study that analyzed Gallup surveys of 450,000 Americans suggested that day-to-day contentment improves until income hits around $75,000 per annum.  After that, more money just brings more stuff, with far less gain in happiness.  Income beyond $75,000 does not do much for a person’s daily mood.

This is a pretty general study and regional differences in costs, inflation and life circumstances will create many fluctuations from this norm, but the point is when money is the main goal, the better you get, the harder it will be to gain satisfaction.

Giving, on the other hand, never has limitations, especially when the giving helps complete a purpose that is part of our destiny.

This is true in business and investing.  A study of investors for example found that investors with socially responsible ideals gained the best returns.  A dual goal of profit and achieving some social benefit provides a purpose beyond returns.  This brings comfort and determination to the investments and the added stick-to-it-ness helps increase profits.

The financial giant State Street Corporation’s Center for Applied Research did an 18 month study of 7,000 investors to get a better understanding of the role incentives play in making investment decisions.  Based on this study a new measure of investment performance called “Phi” was created.  Portfolios were previous rated by their Alpha, Beta, and Gamma. Phi is the newest measure of performance.

Alpha measures an investment’s performance against a market index.  If the Standard & Poor’s 500-stock index is up 10 percent and a mutual fund is up 15 percent, for example, that 5 percentage point difference is alpha.

Beta is the return of any given market.  And charting beta is what a passive index fund does.  Comparing different indexes’ beta — say domestic equities and international bonds — helps investors in deciding how to allocate their investments.

Gamma is a measure of the impact on returns of more intelligent financial planning decisions.  A Gamma rating quantifies the additional value that can be achieved by optimal asset allocation, a dynamic withdrawal strategy, incorporating guaranteed income products (i.e., annuities), tax-efficient decisions, and liability-relative asset allocation optimization.

What phi aims to add is a way for investors to quantify how their motivations — or those of the people managing their money — will affect long-term investment returns.

The study examined what motivates a person to invest — or not and found that main investment motivations are market-based motives, the most frequent and powerful being fear in the market.  Both market motivations, the prospect of profit and the fear of loss, can have a negative effect on long-term performance.

A deep sense of purpose is what causes a high phi score.  A high phi factor is not about outperforming markets or peers, and it’s not an asset-gathering measure of performance.  Pi performance is defined as sustainable investing with a deeper sense of purpose.

People who invested with socially responsible ideals did best in the study.  The dual goal of profit and achieving some social benefit provides a purpose beyond returns.  This brings comfort and determination to the investments.

The study helped define three aspects of investing that are generally ignored, purpose, habits and incentives.

Purpose.  Purpose requires some soul-searching questions about what we each want our life to be.  This purpose is more important than the investment goal.  The purpose of the money we have becomes more important than the amount in the portfolio.

Habits.  Habits come next because we need to create habits and routines that keep us on the path of our unique purpose.  The marketplace does all it can to distract us from our goals.  There is an endless stream of news, rumor, conjecture, facts figures, ideas and tactics generated by every part of every stock market aimed at getting us to act in ways that benefit the agenda of others.

Habits help us avoid being distracted from what we are meant and want to do.  The muffle the noise of Madison Avenue, the spin from Washington DC and the hidden agendas of big business.

Incentive.  Changing incentives to accomplish a purpose instead of a numerical (percentage or profit) goal helps us adopt better behavior.  We react to accomplishing our meaningful purpose instead of drama created by media as well as manipulation and short term whims in markets.

The study showed that changing incentives in this way improved phi when they had a meaningful impact on a person’s investment strategy.

The study found these facts: Every one-point increase in people’s orientation toward investment goals with a purpose — and the scale is 0 to 3 — equated to 42 percent greater odds that the investors know what they are paying in fees, 37 percent greater odds that investors are not rejecting their financial adviser, 38 percent greater odds that the people consider investing in socially responsible investments and 79 percent greater odds that investors will trade less frequently, the research found.

As in so many others cases, two of the most important factors of success are keeping costs and trading activity low.  These are among the most powerful ways to increase wealth.  Having greater fulfillment as well as more wealth is a bonus that Pruppies call “Everlasting Wealth”.

Figure out what is really important in life for you and then find ways to invest in that purpose.  When you do, you’ll be on a solid path to everlasting wealth that is not so easily diverted by the daily drama that seems to be unfolding in the modern world.

Learn to focus your investments using purpose as the most important investment goal.  The purpose of money becomes more important than the amount.

Learn how to create habits and routines that keep us on the path of our unique purpose.  The market will do all it can to distract us from our goals.  Understand that many banks, brokers, the media, the government and commerce all have agendas to take our money, not make more for us.   Good wealth habits and routines protect us from this.

#3: Integrate your earning and investing. 

Long term success in business and investing are determined by control and comfort.

Comfort comes from feeling in control, but since there is always something we do not know, real comfort comes from knowing that we are serving a valuable purpose, the best we can, regardless of how events unfold.

Real comfort helps maintain determination, dedication and enthusiasm, all among the most vital parts in the process of succeeding in investing and business.

Our own business increases comfort because a business is simply an investment that gives us more control due to the addition of our own time and energy. 

A Personal Income Earning Corridor (PIEC) begin with a main income generator that we control.  For some this is a job with a salary.  For others it is a pension. For many it is their own business.

Integration of business and investing is important because investments are not always good income generators.

Years ago I managed an investment portfolio for Canada’s largest private investment management firm.  One day, during lunch with the president of the firm, we discussed the difficulties of professional fund management.  He explained that one of his biggest problems was the excessive expectation of customers.

“I have a retired client who has a million dollars”, he said.  “The client wants $90,000 a year to live on.  In a good year, we might earn 11%.  The client can take 9%. Our fee is 1% and the client’s fund increase by 1%.  In a bad year, we might earn 5%. The client takes 9%.  Our fee is 1% and the client’s funds drop by $50,000.  In the next year the client has even less to work with so a withdrawal of $90,000 may be more than 9% of the portfolio.  The client tends to take even more in good years, but never reduces the demand in bad years.”

The number one golden rule of investing is that there is always something we do not know.  Risk is always our partner.  When we invest, there is always potential that will negatively affect our financial welfare.  Our investments might rise or fall because of market conditions (market risk).  Corporate decisions, such as whether to expand into a new area of business or merge with another company, can affect the value of our investments (business risk).  If we own an international investment, events within that country can affect our investment.  There is both political and currency risk.  There is liquidity risk because we may need to draw on an investment at a time when it price is low.

Plus there are broken promises.

We live in an era of broken promises.  Defaults could ruin most average retirees and even investors.

A look at government, social and currency breakdown at its worst can help us see the problem.  Germany is an example when it borrowed heavily to pay WWI costs.  Such borrowing almost always leads to currency and social erosion and this did then.  Right after the war there was some stability, before government spending began to run wild.  By 1923, it reached the worst in history.  This caused prices to sometimes double in hours. In Germany by late 1923 it took 200 billion marks to buy a loaf of bread.

Hard-working people with modest spending habits could not even buy a postage stamp with their life savings.  All debt was wiped out but so too were all savings.

Salaries were paid three times a day yet shops were empty.  Food riots raged. Businesses closed down, unemployment soared.  The economy collapsed.

Anyone on a fixed income was destitute.  They sold everything just to buy food.

Small businesses however survived because they could hold material things such as clothing, food, anything people could consume. 

Recent news about Social Security, pensions and health care shows that the US government has excessive debt today and that we as individuals need tactics to make sure, when governments, pensions and insurers weasel out of their promises, that we can take care of ourselves.

One big broken promise is Social Security and Medicare.  The most recent Social Security trustee report shows that the programs will begin to spend more than they earn within just three or four years.   The Medicare hospital-insurance trust fund, could use all its reserves by 2028.  They face insolvency over the next 20 years because Social Security runs totally out of money by 2034.

This is a bigger problem then it may seem because it creates an even bigger broken promise concerning the US dollar.

Medicare and Social Security already account for 41% of federal spending.  That was the expenditure last year.  This is not a static problem.  Each year that percentage is growing worse.  This creates a special risk for the dollar because Social Security’s reserves are not really assets at all.  The purported assets are simply IOUs from the US government.

Social Security assets are a liability of the government, so eventually the money comes from the same place as all other government expenditure, taxes or federal debt.  This means that if Social Security has to sell an asset, then the government, already overburdened by debt, will have to borrow the money from somewhere else.

If the Fed cannot raise enough money to pay Social Security only two options are left, devalue the greenback or don’t pay.

When Social Security was established in 1935, the President and Congress imposed taxes to pay the promised benefits. Thirty years later politics had changed.  When Medicare was established in 1965, the government took credit for the popular health coverage but left the payment problem for future generations.

President Nixon and Congress also enjoyed the popularity of they increased Social Security benefits  in the 1970s but left future generations the bill.

The public has not been fooled.  A survey in 1964 found that 77% of the population answered yes to the question “Do you trust the government to do the right thing “just about always” or “most of the time”.  Only 19% answered yes in 2015 according to Pew Research.

Yet what can individuals do other than what we have, voting in new administrations?

Voters attempted to create change in 2008 with a new administration.  The election process and result of 2016 suggests they were no pleased with the results. 2017 and beyond may be “interesting” years.

There should be little wonder that Americans have stopped trusting politicians who promise benefits to get and remain elected but leave the burdens of paying for the promises to pile up waiting to sink the next administration.

This problem has grown so large that in 2011 Federal Reserve Chairman Ben Bernanke “maintaining the status quo is not an option. Creditors will not lend to a government whose debt, relative to national income, is rising without limit.”

In 2014 Federal Reserve Chair Janet Yellen told Congress that more work must be done “to put fiscal policy on a sustainable course.”

If the government does not resolve this problem soon, then the world of lenders will.  If the US has to raise interest rates to continue attracting loans, a downward spiral will grow.  Higher rates create greater debt and greater debt demands higher interest payments. The costs will be catastrophic.  As investors flee US bonds and T-Bills for safer investment, the US dollar will lose purchasing power.

Social Security, if paid and even if paid in the same amounts as before, will buy less.  If Medicare stops working then all that’s left for backup is Obamacare and the private insurers in the plan.

This is another broken promise.  When United Health Group, the nation’s largest health insurer, recently announced that it was pulling out of Obamacare insurance the public learned that it will face higher premiums.  Many will need to choose a new plan, change doctors and hospitals as well.  United Health is not the first or only insurer to quit. A dozen nonprofit health insurance cooperatives shut down just last year.  The giants Aetna and Blue Cross Blue Shield are even considering a drop out.

If Social Security and health care promises are broken that just leaves our pensions. Right?

Yet if we look at the Pensionrights.org website we see hundreds of corporations that have reduced pension benefits including the likes of Honda Motor Co., Ltd., Allstate Corp., Coca Cola, Boeing, Caterpillar, Kraft Foods, Hewlett Packard, Fedex GM and GE to name a few of over a hundred.

This problem is not limited to corporate pension.  An Economic Budget Issue Brief issued to Congress from the CBO (Congressional Budget office”) says:

“By any measure, nearly all state and local pension plans are underfunded, which means that the value of the plans’ assets is less than their accrued pension liabilities for current workers and retirees” CBO.

The report shows that even five years ago the short fall of State and Local Pensions was over 3 trillion dollars, more than all other state and local debt

That leaves the Pension Benefit Guaranty Corporation (PBGC) as a safety net.  In the 2015 PBGC’s annual report the Director’s message says:  “One of the most important functions of PBGC is assuming responsibility for pension plans when their sponsors can no longer keep them going.  We insure the benefits of more than 40 million workers and retirees.  Currently, we pay more than 800,000 people each month.  An additional 585,000 workers are scheduled to receive benefits from PBGC when they retire.”

But if you look at the first paragraph of the Financial Report in that annual report you see:

“PBGC’s combined financial position decreased by $14,577 million, increasing the Corporation’s combined deficit (net position) to $76,349 million as of September 30, 2015 an all time record high from  $61,772 million as of September 30, 2014”.

Every step along the way we see shortfalls, debt with little hope of repayment and an economic overhang that will eventually create broken promises at every level from the pensions, healthcare, Social Security and most from a falling US dollar.

These facts will ruin the life styles of millions, but not all.

In short, there is risk in even the safest investments and there is a possibility that a negative financial outcome might occur.

This is why multi dimensional business opportunities make sense.  You can profit from expanding your utility.  The US currency may fall but your business can offer valuable, needed services or products that will be worth more than gold.

You can gain from having a source of income in a place where you have the best chances of control.  This is why for centuries… small business have had a home upstairs and business below, so the owner could control their business.

Those who profit most in changing times are those who add new dimensions to old time proven ways.  Modern technology offers many exciting ways to create multi dimensional profit and can earn income at home.

When you have your own business, you reduce the need to place excessive demands on your savings and you reduce the risks of broken promises especially when your have a multi dimensional business with multiple streams of income.

At the end of this report, you’ll find three day special offer that can help you integrate multiple streams of income and investing for the ultimate form of profit and safety.

Merri and I aim to create multi dimensional opportunity wherever we live.

In Florida we bought a house and an orange grove next door.  Then we added a rental unit.

In North Carolina we bought a farm, then we added a seminar center, rental units and a trout raising business.

Products and services of essentials, food, clothing, shelter, protection and good health are the real golden assets in the worst times.

Imagine the scenario where our entire structure melts down.  “See the man who has just come in to get some milk for his family.  He stares at the rows for canned milk.  They were empty. Cleaned out.  He closes his eyes.  The world spins.  He snaps his eyes open and checked the rows again.  They are still empty.  He feels oddly betrayed.  Grocery stores are the supports of life.  When you need something you come here.  This is a fact of life in today’s world.  How can he not take this for granted.

“He rushes to the dairy case.  That’s empty too.  He runs to other shelves and sees shoppers piling up food, any food they can grab, throwing entire rows into their carts.  He is pushed and shoved in a mad rush to take any remaining food.

“The man speeds off to the nearest Dollar Store but finds the parking lot filled, lines waiting just to get in the door.”

Just one disruption in the supply line and in a day, the stores were empty. Our modern world is so intricately connected and stores operate on a just-in-time inventory control system.  When you buy anything a computer orders more and it comes next shipment, next day. One glitch in this complex system, one short break and the shelves rapidly go empty.  The barer the shelves, the faster everything goes.

Yesterday everything had been normal. Suddenly there was no milk anywhere.

The man’s tale is imaginary, but the fabric behind it is not, as the real story below shows.

In September and November of 2016, the Colonial pipeline that supplies millions of people with gasoline was shut down.

In November, one simple error caused the disruption.  A track hoe digging for utilities accidentally struck the pipeline, ignited gasoline and caused an explosion.

In September there was a leak (over a quarter million gallons of gas) that caused the disruption.  While shut down, so many people rushed to the gas station to fill up that it created a panic and shortage.

I spoke with the owner of the local gas station we use. He said people were lining up to fill their cars, gas cans and even large tanks in pickups.  He had to limit sales.

A shortage of just about any essential quickly creates panic.  In the pipeline disruptions motorists running to gas stations deviated from their normal consumption habits at the pump and quickly exhausted existing supplies.

There was still plenty of gasoline, but the ability to transport the product to North Carolina (and four other states) was restricted.  Loss of common sense, civility and safety flew out the window within hours.

This was despite the good news that there are two pipes that run side-by-side.  Only one was ruptured, so the disruption was not as bad as it could be.

The September leak, just one small problem in just one pipeline led to days of dry pumps and higher gas prices in Alabama, Georgia, Tennessee and the Carolinas while repairs were made.

Five states are so dependent on just two side by side  pipelines that their shutdown can create panic for millions of people in under one day.

Merri and I make each of our houses multi dimensional…a home and a source of income from some essential product.

Governments are going further into debt globally.  This creates serious debt and economic problems everywhere.  These burdens mean that governments and societies lose their ability to keep their promises.  Multi dimensional earnings can help overcome the risks these conditions create.

Our website has long shared the idea of multi dimensional business, investing and living.  We have looked at the idea of living as a landlord or the idea of multi dimensional writing and farming or Ecuador farming with B&B, plus Ecuador B&Bs on the beach or in the Amazon to name a few.

Multi dimensional opportunity earns in numerous ways.

Merri and I have always created multi dimensional opportunity in our global travels.  We have united self publishing, seminars, tours, real estate, teaching, currencies, investing and real estate to enhance our income and living.  For example in London we converted a house into an office and bedroom time share. We found special currency deals that helped.

I came across this (one of my first) multi dimensional opportunities when I wanted to finance a house purchase in London.  My business plan was to create a small office-apartment complex.  I would live in part of the house, have an office in part that I would share with a number of my readers.  The deal was aimed at helping overseas businesses people have an office and a place to stay when they were in London.  I set up a club something like a timeshare.  Not quite a timeshare but close enough.

My track record with the bank was good and I had always repaid loans.  Yet the policy at that bank was “timeshares are no-nos”.  I could almost see the glaze come over my bank manager’s eyes as I explained the project.  It was the look that said “No matter what you say, the answer will be NO”.  Once a manager thinks that what you want is against company policy, it is better to do something realistic like climb Mount Everest on a lunch break.  I come from a family of modest means and had no relatives or friends with the cash to start the deal so my alternative was to find overseas investors.

After making the necessary polite motions with my banker and letting him do likewise, I thanked him for his time and was preparing to leave.

Then he said, “By the way let me show you our new American Express Gold Card plan”.  The bank had just started to offer credit cards and they came with a 7,500 pound unsecured overdraft.  He told me that overseas investors could have these as well as local investors and customers.

Overdrafts are a peculiarly British line of credit that allows you to borrow up to the limit of the overdraft without any regular payment plan.  The banker sort of expects to see the amount borrowed rise and fall.  The borrower just pays interest on whatever amount is owed and on occasion the bank reviews the overdraft with you.

At that time one pound equaled about 2.2 dollars so this meant that everyone who obtained this credit card received a $16,500 dollar unsecured line of credit. $15,000 was the amount I was charging each member who joined my London office-apartment club!  I immediately saw how to use this to attract overseas investors.

I wanted 50 members at $15,000 each which was double the $375,000 I needed to buy and develop the property. I saw how to turn my customers into my overseas investors.

My head was spinning as I left the bank.  The bank would not give me a $375,000 loan secured by property.  Yet they would lend my buyers of the club the full price of membership on an unsecured basis.  All I needed was get half my buyers right now on a nothing down pre -purchase deal.  This is exactly what I did.  My customers became my overseas investors.

I hustled out, called my customers and offered them this deal they could not refuse.  “Join our club now and you get an American Express gold card.  The bank will lend you the money unsecured for your club membership.  Pay it back when you can.” 

That was a deal that few overseas investors could refuse.

This was a much better deal for me than borrowing the money from overseas investors to start.  The original 25 sales were financed by the bank.  My customers had to pay the money back, not me.

My clients loved me for this deal.  The British pound collapsed shortly after.  That 7,500 loan that created over $15,000 became much less expensive…. barely $10,000.  Those who borrowed made about $5,000 (33%) forex profit on the loan as well as the good real estate deal.

They made such a profit on the currency change I wrote a report about it and earned additional income from the report sales.

In that real example, I used my writing to enhance a real estate deal.  The real estate helped me promote my seminars and sell a report plus I ended up with a income and a wonderful central London house to live in.

There are many multi dimensional real estate opportunities, land that offers a low stress, healthy home, farm income and other profit potential all at the same time.  Merri and I sponsored many Ecuador real estate tours to help readers buy multi dimensional real estate like Ecuador beach farms that provide rentals and farm income.

When investing and business are balanced the building of wealth becomes a more fulfilling, enjoyable process of service.  Great financial rewards are an extra benefit rather than ultimate goals.  Worries about money become less dominant and we gain an inherent power because we want to work harder and longer.  We don’t need to search (and spend) so much for fulfillment and are more likely to excel financially.

Three Layer Financial Plan

Having our own business allows us to operate at peak performance and create a PIEC (Personal Income Earning Corridor).  Having a PIEC business does not mean you should put all your money in just your own business (though at times you may).  Diversification is always good.

PIEC portfolios come in three layers, first the personal business, then a layer of very safe investments over a third, much smaller layer of speculative deals.

The majority of PIEC diversification beyond our business should be in stodgy, liquid investments such as utilities, CDs, bonds and good value equities.

I prefer Country Index ETFs that provide diversification into entire equity markets.  These investments might pay little in the short term, but are safe and they are highly liquid at a known price.  The low return on these investments is acceptable because they support your PIEC business which maximizes profits and adds comfort like few other investments can.

These very safe investments act as reserves if your business hits a sticky patch and can provide ready finance if sudden business opportunities arise.  They also don’t take up much time in research, accounting, watching the market, etc. so you can devote your energy doing what you love (your business).

However, if you genuinely love researching and tracking the market and have the mentality, capital and experience for it, just being an investor can be a wonderful PIEC business in itself.

The third layer of diversification can be speculative because modern portfolio theory suggests that safe investments are enhanced and made safer by adding a small amount of higher risk deals.  This also allows us to fulfill any casino mentality we might have left if having our own business is not enough.

PIEC investing makes it easier to create and keep wealth.  It enhances our lifestyles now, because it lets us make money being who we really are.  It makes life more fulfilling and fun.

Integrating investing and business reduces the risks of placing excessive demands on your savings, especially if we have an anchor of value.

#4: Find your Anchor of Value.

Find your passion.  Knowing ourselves also helps begin a business with a most powerful business tool I call the Golden Rule of Simplicity.  This rule says there are millions of people just like us.  When we truly see ourselves we look into a mirror that reflects an entire market who feel and desire just as we do.  This is a simple rule yet gives us a finely tuned market research system which shows us how to get create our product, get in touch with our market, deliver the product or service and surrounds us with like minded souls.

Self-knowledge is also essential for comfort and comfort is a vital part of everlasting wealth.  When investors are not comfortable, no profit is enough.  Uncomfortable investors have a never-ending thirst for more that cannot be quenched.  This indefatigable desire gums up the money making process.  Amounts don’t matter.  Even investors with incredible assets suffer this never-ending lust.  A well documented example is Bunker Hunt’s huge losses when he speculated in silver in the 1970s.  He had hundreds of millions yet speculated it all to make even more. When is hundreds of millions not enough?

Develop your investment rules.  Whatever your passion you will need to establish your method – the criteria you will use to select shares for your portfolio.

Whatever your preference you need to establish your key criteria.  Once you have your method working well, improvements come from experience and practice – learning from the successes and failures of each and every investment you make.  The quote “The harder I practice, the luckier I get” applies here.

Know when to sell – and when not to.  A key factor in effective portfolio management is to run profits and cut losses.  This is counter-intuitive for most people because it is natural to want to grab a profit and rather unpleasant to realize a loss.

If you run your profits they can become very big.  If you cut your losses they will always be relatively small.

To understand this approach better, let me ask a question.  What if I offered you a free Mercedes Benz?

You would probably say YES… but would be thinking… “What’s the catch?”  That’s good because we all know there is no such thing as a free lunch, much less a free new car.

Would an answer be harder if instead there was a choice, a FREE Mercedes or $4 million bucks (as in US dollars)?

Most would choose the cash.  Yet of course we would still be expecting a catch.  There is a penny to drop, some risk and the need to ignore the thundering herd and an absolute requirement of discipline.

Let me share a true story about how and why an investor in similar circumstances got the Mercedes and had the $4 million, but then lost it.

The story contains three valuable tips.

Once upon a time, 1981 to be exact, there was a recession. An economic and political mess arose across the land.  The story began with unemployment.  In 1981, the US Presidential election was over, the US economy was hurting and the new government and president were turning on the money printing machine.

This was a gloomy time, those early 1980s.  Really.  That was the worst recession since the great depression.

You often hear that the worst recession since the great depression was the great recession of 2007.  This is statistically wrong.  1982 was worse.

The times were dark and this story begins at the end of the 1980 Presidential election when the US economy was at its worst in 50 years and getting worse.

Our hero in the story thought the stock market would recover, despite the fact that everyone thought everything was bleak and black.  He approached his bankers and asked to make some leveraged investments in the stock market.

His goal was to make enough profit to buy a brand new Mercedes Benz.

He opened the account and bought shares. He used those shares as collateral to leverage these investments with borrowed Japanese yen.

His timing was lucky.  The stock market rose quickly.  The Japanese yen collapsed.  His profits shot past his goal to buy the car.

The Fever

Bubble fever had set in so when the hero’s investment manager called with that great news, “You have enough for your new Mercedes“, the investor changed his mind.  “Let it roll,” the investor said.  “I want to make a million instead”.

The investment manager left the portfolio alone and soon the investor’s profit rocketed past 1 million dollars.

The investment manager called.  “You have made a million bucks… perhaps we should take some profits.

Let it roll,” the investor said. “I have decided to make two million instead.”

The investment manager left the portfolio alone and soon the investor’s profit rocketed past 2 million dollars.

The investment manager called.  “You have made two million bucks… perhaps we should take some profits.

Let it roll,” the investor said. “I have decided to make three million instead.”

The investment manager left the portfolio alone and soon the investor’s profit rocketed past 3 million dollars.

The investment manager called.  “You have made three million bucks… really we should take some profits.

Let it roll,“… the investor said. “I have decided to make four million.”

As the portfolio was nearing four million in value the investment manager called.  “You have made almost four million bucks… perhaps we should take some profits.

Let it roll,” the investor said. “I have decided to make four million and enough for a Mercedes.”

Shortly after the stock market corrected and the yen strengthened.  Profits fell so quickly the investor lost a million almost overnight.

The investment manager called.  “You have lost a million bucks… we had better take the profits.

Hold,” the investor said. “The market will come back”.

The stock market fell more and the yen grew stronger.  The profits fell even faster and the investor lost another million.

The investment manager called again.  “You have lost another million bucks… it’s time to take your profits.

Hold,” the investor said. “The market will come back”.

The stock market continued to plummet and the yen rose more.  The investor lost another million.

The investment manager called.  “You have lost three million bucks now…  You really should take the profits left.

Hold,” the investor said. “The market will come back”.

Finally as the market plunged more and profits faded away, the investor, having lost more than 3.5 million, closed his positions and had just enough profit left to buy his new car.

The Mercedez was black and shiny… a big 500 SEL model… king of the road.  The hero never enjoyed it much.

The moral of the story is that when you invest you need a plan, a discipline and to know when to holdem and when to foldem.

Remember that there are always three distinct options – buy, sell and hold.  We’ll look at how to decide when to buy, to sell and to hold later in this report.

Make sure you have some liquidity. You should always keep an eye on the “liquidity”, the ease with which you can sell all or part of your portfolio. If you are invested mainly in big cap stocks you will have little trouble going into cash if necessary.  However, if you have focused on smaller growth shares it makes sense to keep enough of your PIEC portfolio in large companies.

Select shares that can, if necessary, be turned into cash instantly and provide some comfort if the market as a whole turns ugly.

The potential gains on very large companies are not likely to be as high as those from smaller growth companies, but they can and often do well enough to give you a warm feeling.  Remember comfort counts!

Diversify – but not too much.  Your portfolio should contain no fewer than 10 shares, and you could put 10 percent of your money in each of your top selections.  Diversification is essential to reduce risk, but too much of it can hinder performance.

One of the best ways to have huge diversification in a small portfolio is with Country Index ETFs.  These ETFs are similar to an 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.

Most country index ETFs are invested in dozens, often a hundred or more, shares.

For example, the iShares MSCI Australia (symbol EWA) is a Country Index ETF that tracks the investment results the Morgan Stanley Capital Index MSCI Australia Index which is composed mainly of large cap and small cap stocks traded primarily on the Australian Stock Exchange mainly of companies in consumer staples, financials and materials. With 72 constituents, the index covers approximately 85% of the free float-adjusted market capitalization in Australia.

A portfolio of a dozen country index ETFs represents diversification to hundreds of shares and a dozen currencies.

Diversifying into countries is safe because countries  generally do not go away, go bankrupt or become challenged by changing technology and altering markets.

Diversifying into countries is also relatively simple because, there is sufficient analysis of global markets so every country’s stock market can be compared and markets of best value included in a safe portfolio.

In addition these valuations do not change quickly.  In 2016 our portfolio of 20 good value country index ETFs had only one change, an addition of the Turkey Index ETF, in the year.

This low volume turnover gives us time to put our focus and energy on our business and the passion we love most.  Studies over decades suggests that this simple slow trading, highly diversified approach increases long term profits and increases safety.

Country ETFs provide massive, good value diversification at a really low cost.

Most passive country index ETFs have minimal cost structures.

#5: Keep costs down. 

High trading costs are one of the biggest drags on the performance of your PIEC portfolio.

There are numerous costs we need to keep an eye on.

Load fees. Avoid back-end and ongoing load. When looking at mutual funds, we’ll typically see them listed as A shares, B shares, and C shares.  All of these share classes have some type of load.  Avoid them.

A shares include a front-end, a guaranteed loss the minute you buy.  B shares come with a back-end load, a guaranteed reduction of any profit or expansion of any loss.  B shares typically charge 5% if they are sold within a specified time (normally five to seven years). There are also higher ongoing operating expenses for B shares. Fund companies typically charge up to an extra 1 percent a year for B share operating expenses.

C shares charge a penalty (usually 1 percent) if a sale is made within the first year.  They also carry higher expense ratios.

12b-1 fees are fees hard to see internal fees that cover a fund’s marketing and distribution costs. Funds can 12b-1 fees to pay brokers incentives for selling their funds. We should watch 12b-1 fees to make sure our broker is advising this fund because it is a good investment, not because he or she is receiving an incentive.

Management fees. We should make sure we get what we pay for, a good manager who makes us feel comfortable by helping build safety and steady performance in our portfolio.

Churning. Some funds and brokers churn, or buy and sell more than is really required.  History suggests that the less activity in a portfolio, the higher the return. Active management is one thing, but funds and brokers can increase their income with excessive transactions that do little or nothing to help us as investors.

Misallocation. Many investors are misallocated for the benefit of the bank or broker.  There are a remarkable array of unnecessarily risky, undiversified portfolios created to generate fees, and that have nothing to do with a client needs. Beware of complex and expensive portfolios full of bits and pieces that are hard to understand. Low transparency can often be associated with high costs.

Expense ratios in fund doesn’t cover all of the costs.  All investors, whether using funds or not face other costs such as brokerage and bid-ask spreads.

Bid-ask spreads for example are subject to market friction.  Markets are liquid because makers standing ready to buy or sell shares at all times.  They are paid by the difference between what they will buy and or sell for.

Shares that have less liquidity, ie.  Not many buyers and sellers, have bigger spreads between buying and selling prices.

Investing in widely held index funds and index ETFs can reduce this cost gap.  Such investments normally trade within fractions of a cent, keeping this this hidden expense in check.

Trading commissions make active trading an expensive way to increase profits. Trading costs sandbag our profits from the start.

Taxes need to also be considered. Buying and selling quickly increases fees and also creates short-term capital gains taxes.

Be careful of margin account as well. Most brokers will let us borrow money (for a fee) so we can leverage our investments.  This increases any profits or losses created, but also adds the interest cost of the leverage.

If we add up all the potential fees, redemption fees, brokerage fees, back-end load fees, management fees, inactivity fees, 12b-1 fees, transfer fees, minimum equity requirement fees, commissions, the cost of limit orders and consultancy costs, before investing.

We should know what all our fees are.

Passive Funds Usually Cost Less. Because reducing costs is a major factor in investment success, low cost passive funds that do not require high cost managers generally out perform managed funds in the long run.

Over a 15 or 25 year period very few managers outperform the respective benchmarks of sectors where they invest by a couple of percentage points.

It’s an easy way to game the stock market, and getting easier by the day.

In Part Two of this report we’ll look at the more speculative end of our PIEC portfolio.

While we are sharing this report, I want to make a special offer, limited to the next three days, that can help you integrate your business and investing.

We offer two courses for attaining financial security.

The first is 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” course
  • “Self Fulfilled – How to Write to Sell” course
  • 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”
  • Any updates to any of the courses, workshops, reports or recordings for a year.

You can learn all about this program at How to Have Real Freedom, but do not order the program there for $299 .  If you subscribe to the Purposeful investing Course in the next three days, I’ll send you the program free.

I invite you to join me and a small selective group who for the next year will participate in an intensive program called the Purposeful investing Course (Pi).  The purpose of Pi is finding value to increase the value of and protect our savings, pensions, income and wealth in good times as well as devastating economic conditions.

Learn Slow, Worry Free, Good Value Investing

Stress, worry and fear are three of an investor’s worst enemies.  They 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 (almost) 50 years of global experience and my study of the analysis of four mathematical investing geniuses (and friends).

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 2017 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.

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 in some of these good value markets using 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.  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 subscribe to Pi you’ll receive the report, “Three Currency Patterns For 50% Profits or More” FREE.

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

Save $457.95 if You Act Now

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 FREE the $29.95 report “Three Currency Patterns For 50% Profits or More”, the $27  report “Silver Dip 2015” and the $299 “Live Well and Free Anywhere Program”.

Triple Guarantee

Enroll in Pi.  Get the first monthly issue of Pi and the report “Three Currency Patterns For 50% Profits or More” and the “Live Well and Free Anywhere Program” 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 your own purposeful business and slow, worry free purposeful investing.

If you are not totally happy, simply let me know.

#2:  I guarantee you can cancel your subscription within 60 days and I’ll refund your subscription fee in full, no questions asked.

#3:  I guarantee you can keep “Three Currency Patterns for 50% Profits or More” and “Silver Dip 2015” plus the Value Investing Seminar as my thanks for trying.

You have nothing to lose except the fear.  You gain the ultimate form of financial security as you reduce risk and increase profit potential.

Subscribe to a Pi annual subscription for $197 and receive all the above.

I am so confident that you’ll gain from this offer that if you are not fully satisfied, simply email me within 60 days for a full refund  and keep the $299 “Live Well and Free Anywhere Program” as my thanks for giving Pi a try.  

Read the entire article “The Real Cost of Cheap Food” here.

Clean Green Income


Here is a way to earn income, that is clean and green.

This is the sixth message in this series on Ecuador and business opportunity. See the first message at Ecuador organic cheese and wine. The second article in the series is at Ecuador organic wine and cheese II and Ecuador wine & Cheese III and Ecuador and Green Business and Internet business ideas and Multi Currency Debt.

Clean up your wealth with disinfectants.

Previous messages looked at a wonderful organic cleaner that I have used for more than a decade and how to earn income world wide as a distributor of this product.

You can see what I wrote about this organic cleaner below.

First let me introduce you to a new idea.

Recently I co hosted a great financial seminar with Jyske Global Asset Management in Naples Florida.

The delegates at this seminar…

multi-currency-debt

had a great time and talked among themselves about many investing and business ideas.

One idea presented to me by a delegate was a business opportunity as a distributor for a new organic disinfectant based on silver.

I learned a life saving lesson about the disinfecting power of silver  from a great teacher decades ago.   Silver is a germ killing element so powerful that the establishment has been trying to stop us from getting in on the act. Perhaps there is too much money at stake in antibiotics and other such expensive medicine to allow this simple, inexpensive germ killer to remain in the market.

But in this era of strange diseases in which we now live, it is imperative that we learn how to protect ourselves naturally from infection and disease.

Let me explain how I first learn about this powerful natural antibiotic from a grade school teacher!

Al Hoffman was his name. He was great. Mr. Hoffman taught music at Rockwood grade school in the 50s and 60s.  He was almost a myth, sending so many talented musicians on to the local high school.

How would I have guessed that a lesson he taught me then, might save lives now.

You know me as an economist, writer, adventurer, wacky philosopher, can’t-help-it traveler and two bit farmer.  But I bet you did not know that I am also a musician.

But I am (or rather was).  I started with the trumpet, but being a fat kid moved onto the tuba (fat boys always played the tuba for some reason) and I wasn’t bad. I made the metro league honor band and loved playing symphonies and musicals, plus marching was great, except the Portland Rose Parade, mile upon mile on a hot day with a heavy Sousaphone.  That was a bit too much.

Then when I moved to Hong Kong and switched to the baritone and played with a Dixiland band in a Kowloon jazz club (just for fun).

My traveling days made hauling the brass hard, so I switched to the flute.

I took lessons from the principal flutist of the Hong Kong philharmonic, but now haven’t played for years. This is a great regret from working too much, but I promise myself I’ll get back to it.

One thing I have not lost though is a lesson taught to me by Al Hoffman my first music teacher. He taught me about the cleansing power of silver the first day we met.

We were trying out for various instruments and he gave us each a trombone to blow. After I blew on it my neighbor (who eventually went for the clarinet) Tommy Barrett was handed the same trombone and was asked to blow as well. He looked at the mouth piece where my lips had just rested and said yuck, “dog lips have touched this” or something like that.

Funny how some pictures stick in your mind for over fifty years.

I see Tommy looking at that tainted mouth piece as plain as if it were yesterday. He asked what he was supposed to do to clean off that mouth piece.

Then Mr Hoffman gave Tommy the word and me a lesson that stuck for life.

“Germs can’t live on silver. It kills them the second they touch it. Just blow. Don’t worry about the germs.”

Later in life I remembered this message when I first learned about colloidal silver.

Colloidal silver is made up of tiny microscopic particles of pure silver in water that when taken kills germs safely and rapidly.

With colloidal silver you reduce the chances of catching bugs, viruses, bacteria and the lot.

Good bye colds, flu and the rest.

The stuff is so darn potent that drug manufacturers are scared to death. They have even worked on the government to try and shut the stuff down. But they have not totally succeeded because you can easily make the stuff yourself and many people swear by it.

Now it appears that there is a new disinfectant based around silver.

The delegates in Naples who introduced this idea to me is Mark Lord and Mark just sent me this note.

Gary, It was a pleasure seeing you and Merri again and hearing about some of the current topics of global importance at the Jyske conference. The conference was great, including the speakers, the facility, and the food. Mary and I made several new, like minded, friends and many thanks for inviting your MCI subscribers to attend at such a great rate.

On Sunday,  just before Mary and I had to dash off to the airport, I briefly introduced you to our exciting new hard surface disinfectant Allclear. This product has proven and documented efficacy (achieving difficult and expensive EPA registration) with a wide range of range of viruses, bacteria and fungus and in most cases kills quicker and more effectively than commonly accepted disinfectants. Allclear has the lowest toxicity rating possible to achieve from EPA (level IV) and is safe for children’s toys and sensitive areas without requiring a wipe up or rinse. It also has 24 hour residual kill, which is a truly needed and unique attribute. Allclear recently has gotten clearance from EPA to claim that it is in compliance with CDC guidelines for control of Swine Flu.

The above is just a quick outline of the many unique and needed attributes about Allclear and, although it uses silver ions as its main active ingredient , it is different from other silver products some of which have been used for centuries. For more information I directed you to our web site www.allcleartoday.com

I have included above some background information on the product and if you have any questions or would like a sample please let me know.  Best regards,

Mark Lord

This is the type of new product that can offer great green opportunity in the US, Ecuador or abroad.

You can get more information from Mark Lord by emailing him at archer59@msn.com

I have not used this product nor do I have any additional information about it. I am not involved in any financial way and you should use all normal business precautions and make sure you do your due diligence.

You may gain some ideas on how to sell products like this via the internet from our course on how to create an internet business.

Learn how to enroll in our emailed internet business course here.

Anther green product that has great international distribution potential is the organic cleaner Ted’s Stuff.

We take this organic cleaner to our Cotacachi hotel every time we visit because Our staff work to keep our hotel Meson de las Flores spick & span.

Cotacachi Organic Cleaner

This is one reason why the 180 year old colonial building looks so great.

Merri and I also give credit to the entire staff.  Most have worked here for decades and they love the hotel. They honor its history and work hard to keep it looking first class.  Especially our maids, Rosita De las Torres and ….

Cotacachi-Organic-Cleaner

Rosita Molena

Cotacachi-Organic-Cleaner

not only clean, but put great love, care and attention into making Meson look like a home that our guests will return to again and again.

We do all we can to help Cotacachi be organic because organic cleaners are important to the environment and our bodies.

The cleaner I use on myself, in our house, pur garden and take to our Cotacachi hotel… I call Ted’s Stuff.

Since we are lured into having many poisons in our homes and establishments, I look at everything.   I am always suspicious of cleaners..

For example, “Softsoap Antibacterial Soap” a brand of liquid hand soap manufactured by Colgate Palmolive. Check the label of this soap and you will read the words. “Proven to eliminate the dirt and germs your family encounters. Contains light moisturizer to leave your hands feeling soft. GENTLE ENOUGH FOR THE WHOLE FAMILY. As with any soap avoid contact with eyes.”

What does this really mean. How can we find out what this stuff is really like?

There is a way.

Every product shipped in the USA has to have an OSHA regulated form called a “Materials Safety Data Sheet”. This form is meant to protect workers shipping and handling products. You can find the real story behind a products toxicity by looking up the “MSDS.”    Take for example the Softsoap MSDS.

Get ready to cringe. The “MSDS” on this chemical based formula that is “gentle enough for the whole family” states under the general controls section “Avoid contact with skin and eyes.” It warns workers to wear rubber gloves while using this and such. How this warning is mysteriously converted into gentleness on the store shelves is beyond me, but you can see the “MSDS” for yourself.

Though it is doubtful that Softsoap alone will be really harmful to our health, we must wonder how many other things that are pushed on us as safe and gentle when they really are not. How many of these light toxins does our body have to deal with every day? How many of our allergies, diseases and imbalances are created by this continual bombardment of chemicals that do not kill, but each take their little tolls.

We have all heard of “death by a thousand cuts”.   Is our society suffering “sickness by a thousand minimal exposures”?

Merri and I have been away from the farm, its pure spring water and the fresh clean air and we feel the difference.

We must all be aware of our surroundings and take care. There is a saying that “Man can accomplish the impossible, but cannot overcome the inconvenient”. We have walked the moon and sent humanity’s imprint to Mars and beyond. Yet we cannot overcome the multitude of tiny toxicities that bombard us each and every day. This a true challenge. Everywhere we are, everywhere we go, poisons have been made easy to consume.

This is why I sent the reply below to a reader who wrote:

“Gary, organic biodegradable cleaner is nothing new…Watkins has been selling for years. You should be above shilling for these types! Anyone on the Internet can go to Google and debunk the hustlers…”

I agree with this reader that there are many scams in the name of organic, pure, all natural, and such stuff. In fact this why I have been recommending Ted’s stuff and my reply to this reader says it all.

“Ted’s Stuff is a product I have been using myself for many years and the difference is that it works so well. I feel it an obligation to let people know about the enormous danger that we all face and how our environment is being damaged.

Merri and I both feel that perhaps just to stop pollution at the lowest level may help people gain added years and added vitality to their lives.

You can learn more about distributing or using this leaner from the producer Ted Tidwell at tedtid7@yahoo.com

Until next message may your wealth get others to be green with envy!

Gary

Join us at an upcoming July and October North Carolina seminars. We have invited our  web master to speak on the future of  internet business and will have extended sessions on how to develop an internet business.

Learn more about these July 24-26  and Oct. 9-11 courses at IBEZ North Carolina

Cotacachi Organic Cleaner


Cotacachi Organic Cleaner

We take organic cleaner to our Cotacachi hotel every time we visit because Our staff work to keep our hotel Meson de las Flores spick & span.

Cotacachi Organic Cleaner

This is one reason why the 180 year old colonial building looks so great.

Merri and I also give credit to the entire staff.  Most have worked here for decades and they love the hotel. They honor its history and work hard to keep it looking first class.  Especially our maids, Rosita De las Torres and ….

Cotacachi-Organic-Cleaner

Rosita Molena

Cotacachi-Organic-Cleaner

not only clean, but put great love, care and attention into making Meson look like a home that our guests will return to again and again.

We do all we can to help Cotacachi be organic because organic cleaners are important to the environment and our bodies.

The cleaner I use on myself, in our house, pur garden and take to our Cotacachi hotel… I call Ted’s Stuff.

Since we are lured into having many poisons in our homes and establishments, I look at everything.   I am always suspicious of cleaners..

For example, “Softsoap Antibacterial Soap” a brand of liquid hand soap manufactured by Colgate Palmolive. Check the label of this soap and you will read the words. “Proven to eliminate the dirt and germs your family encounters. Contains light moisturizer to leave your hands feeling soft. GENTLE ENOUGH FOR THE WHOLE FAMILY. As with any soap avoid contact with eyes.”

What does this really mean. How can we find out what this stuff is really like?

There is a way.

Every product shipped in the USA has to have an OSHA regulated form called a “Materials Safety Data Sheet”. This form is meant to protect workers shipping and handling products. You can find the real story behind a products toxicity by looking up the “MSDS.”    Take for example the Softsoap MSDS.

Get ready to cringe. The “MSDS” on this chemical based formula that is “gentle enough for the whole family” states under the general controls section “Avoid contact with skin and eyes.” It warns workers to wear rubber gloves while using this and such. How this warning is mysteriously converted into gentleness on the store shelves is beyond me, but you can see the “MSDS” for yourself.

Though it is doubtful that Softsoap alone will be really harmful to our health, we must wonder how many other things that are pushed on us as safe and gentle when they really are not. How many of these light toxins does our body have to deal with every day? How many of our allergies, diseases and imbalances are created by this continual bombardment of chemicals that do not kill, but each take their little tolls.

We have all heard of “death by a thousand cuts”.   Is our society suffering “sickness by a thousand minimal exposures”?

Merri and I have been away from the farm, its pure spring water and the fresh clean air and we feel the difference.

We must all be aware of our surroundings and take care. There is a saying that “Man can accomplish the impossible, but cannot overcome the inconvenient”. We have walked the moon and sent humanity’s imprint to Mars and beyond. Yet we cannot overcome the multitude of tiny toxicities that bombard us each and every day. This a true challenge. Everywhere we are, everywhere we go, poisons have been made easy to consume.

This is why I sent the reply below to a reader who wrote:

“Gary, organic biodegradable cleaner is nothing new…Watkins has been selling for years. You should be above shilling for these types! Anyone on the Internet can go to Google and debunk the hustlers…”

I agree with this reader that there are many scams in the name of organic, pure, all natural, and such stuff. In fact this why I have been recommending Ted’s stuff and my reply to this reader says it all.

“Ted’s Stuff is a product I have been using myself for many years and the difference is that it works so well. I feel it an obligation to let people know about the enormous danger that we all face and how our environment is being damaged.

Merri and I both feel that perhaps just to stop pollution at the lowest level may help people gain added years and added vitality to their lives.

Here are some shots that our friend Dennis Goff took on our visit to the farm community that our foundation is helping and of our group visiting the Cotacachi organic gardens.

Cotacachi-organic

Learn more at Cotacachi Organic Farming Opportunity

Cotacachi-organic

and

Cotacachi-organic

Ecuador Organic Gardens.

Cotacachi-organic

and

Cotacachi-organic

Cotacachi Garden.

Cotacachi-organic

and

Cotacachi-organic

We had numerous inquiries about distributing organic bio washes in Ecuador and have just sent a new presentation on this to our Ecuador Living subscribers.

Learn how to subscribe here.

Until next message may your health be really good.

Gary

Join us in Ecuador at a 2009 course or tour.

Ecuador Coastal Real Estate Tour May 16-17. $499 Enroll here.   $749 For a couple.

Delegates stay on this beach that Dennis Goff shot on our last Ecuador coastal real estate tour.

ecuador-canadian-connection

Imbabura-Cotacachi Real Estate Tour May 20-21.  $499 Enroll here.  $749 For a couple.

Ecuador Amazon Herbal Tour May 22-24.  $399 Enroll here. $499 For a couple.

Take Two for One. Attend any of the three international business & investing courses below and select any one of the tours above free.

July 24-26 IBEZ North Carolina + Tangled Web

Oct. 9-11 IBEZ North Carolina + Tangled Web

Nov. 6-8  IBEZ Cotacachi + Tangled Web

Sign up for our three May 2009 tours and attend any of the IBEZ Cotacachi + Tangled Web seminar above FREE.

Attend any two Ecuador courses or tours in a calendar month…$949 for one.  $1,349 for two.

Attend any three Ecuador courses or tours in a calendar month…$1,199 for one.  $1,799 for two.

Learn about our July 2009 Ecuador export tour 2-4-1 deal here.

See our full 2009 schedule here.

May 29-31  JGAM Multi Currency investment Seminar Naples Florida

June 12-14 Shamanic Mingo Tour
June 16-17 Imbabura Real Estate Tour
June 18-21 Ecuador Coastal Real Estate Tour

July 3-6 Ecuador Import Export Expedition
July 8-9 Imbabura Real Estate Tour
July 10-13 Ecuador Coastal Real Estate Tour

July 24-26 IBEZ North Carolina

Sept. 17-21 Ecuador Spanish Course
Sept. 23-24 Imbabura Real Estate Tour
Sept. 25-28 Ecuador Coastal Real Estate Tour

Oct. 9-11 IBEZ North Carolina

Oct. 21-24 Ecuador Import Export Expedition

Nov. 6-8 IBEZ Ecuador
Nov. 9-10 Imbabura Real Estate Tour
Nov. 11-14 Ecuador Coastal Real Estate Tour

Ecuador Amazon Herbal Tour


Ecuador’s Amazon is rich in herbs  as you’ll learn on our Ecuador Amazon Herbal Tour, May 22-24, 2009.

Enroll here $399.  Enroll here for a couple $499

Studying Ecuador herbs is fun.

You see them regularly in Native Ecuador markets are ancient rites of human endeavor. Meetings like this one high in the Ecuador Andes have taken place almost since civilization began as have imports and exports. I closed my eyes and felt the energy, the deep, inner excitement that marketplaces bring and how they thrill. Such wonderful agitation! Ecuadorian men and women, different religions, cultures and ages. People from near and far. Explosions of color. Mutterings and hawking in Quichua, Spanish, and occasional English working their babble of exchange. Ecuadorian babies bobbing on mother’s backs, children working, playing and racing among the stalls. Adults serious in their cares. Explosions of sights, smells and sounds create this purposeful cacophony true to only one mission, to trade and sell, import, export!

Exploring the markets is a great way to see Amazon herbs but the best way to know them is to actually visit the marker.

So for years we have been helping readers go to the Amazon and learn how they are actually grown.

Alberto Verdezoto (a long term friend and guide as well as an expert on herbal medicine from the Amazon) will guide a tour to the Amazon and the Flora Sana finca this May.

ecuador-information-tours

Here is Alberto leading one of our tours.

You could not be in better hands.  Alberto was in the Ecuador travel business for more than 10 years and has been working in the Amazon with herbs for many years. He is the distributor for the Flora Sana Amazon products.

Here is Alberto (left) leading our staff at International Living’s Ecuador seminar in March.

ecuador-tours

Alberto helped develop  the entire line of organic Amazon health products to export from Ecuador under the “Flora Sana” (Flower Healing) brand.

Ecuador Herbal Products

Stimusan Herb Pack
Dulcamara Cream
Dulcamara Liquid
Dulcamara Shampoo
Dulcamara Soap
Sweet Sleep
Sangria Drago
Organic Chocolate

There are many more Ecuador export products in the Flora Sana line.

We are working with Alberto to obtain dealers for these products.

This line has special interest in the health food supplement field. Take the Dulcamaras range for example.

Merri and I have enormous energy vitality and enthusiasm, running the farm and our publishing business. Many are amazed at what we get done. At a time when many are thinking retirement, we feel we are just getting started. Plus despite our heavy work load and travel schedule we seem to be getting younger…yet this is a time when many of our friends are rapidly deteriorating both in energy and appearance.

We feel that one reason is that we regularly take the Dulcamaras food supplement which is a pure Amazonian plant extract. When we began using this product years ago, one MD told us that he used this plant extract to help his cancer patients. The doctor explained that Dulcamaras is not a cancer cure but so enhances the immune system that many patients cure themselves. He explained that many of his patients also used Dulcamaras to enhance their vitality and that it has anti-aging qualities that could be enjoyed.

We decided to try it ourselves. After a couple of days we felt tiredness but then found ourselves feeling more energy. My weight started dropping. Muscle mass and skin tone built though we did not add any new exercises.

We began sharing Dulcamaras extract years ago with a few of our friends and heard back similar stories from those who were well. From others we heard incredible stories.

We read a medical study from the University of Miami Medical School entitled “INDUCTION OF CASPASE-MEDIATED APOPTOSIS AND INHIBITION OF PROSTATE TUMOR GROWTH AND METASTASIS BY A PLANT EXTRACT”.

The study was done by Deven S. Dandekar1*, Vinata B. Lokeshwar1, Edwin Cevallos. 2, and Bal L. Lokeshwar1. 1Dept. of Urology and Sylvester Cancer Center, Univ. of Miami, Miami, Fl. 2Tumor Institute, Quito, Ecuador. *d.dandekar@miami.edu

The study began “INTRODUCTION: Most cancer drugs are derived from plants and many more are yet to be discovered (1). An orally active, aqueous plant extract (Dulcamara sp) was tested for its anti-tumor properties on prostate cancer cells in vitro and in vivo.”

The conclusion of that study was that the Dulcamaras extract tested was a potent orally active anti-neoplastic agent, which primarily affects caspase-mediated apoptosis and inhibits metastasis by inhibition of hyaluronidase, an ECM-degrading enzyme implicated in tumor angiogenesis and metastasis.

We saw one friend with Lymphoma have a miraculous cure in 18 days. Another who was quadriplegic with MS had such a recovery that she can now stand alone. But mostly the stories were about feeling better, having more energy, sex drive, clearer mind, strength, endurance and feeling and looking younger.

Dulcamaras has great potential to be of assistance in diseases in which the immune system is implicated as a contributing factor. The medical doctor in Ecuador has gathered data which indicates possible value in conditions of over active and under active immune system such as AIDS, Allergic States, Colitis, Multiple Sclerosis, Chronic Hepatitis, and Lupus like diseases.

We do not believe that Dulcamaras is a panacea and it is not intended to diagnosis, treat or cure any condition nor should it be viewed as a substitute for orthodox medical treatments. But it is a powerful plant-derived nutritional supplement which may safely be used for longevity, more energy and better health plus as a complementary treatment to assist the body’s natural healing processes.

Here is more about Ecuador Dulcamaras Export Opportunity.

Common names: Donkey Ears, Life Plant.

Scientific Name: Kalanchoe gastonis-bonnieri Raym.-Hamet & H. Perrier

Synonym: Bryophyllum gastonis-bonnieri

Family: Crassulaceae

Origin of the Plant:

Kalanchoe or Bryophyllum gastonis bonnieri is originated from Madagascar . It was known and used as a medicine by the ancient Egyptians. The plant was brought to the Amazon during the time of the rubber boom at the end of the 19th century.

The Dulcamara plants used to make Flora Sana natural products are organically grown in their gardens located on the left bank of the Puyo river, next to the Amazonian town of Puyo, the capital of the Pastaza province, in Ecuador. A plant takes 6 to 8 months to mature and be ready for harvest.

The plant is then used to make tinctures and creams.

The Flora Sana Dulcamara Tincture is used here in Ecuador for inflammation of prostate, tumor in ovaries, uterus, brain, kidneys, breast, cysts, leukemia, kidney and gall stones, hemorrhoids, bronchitis, asthma and sinusitis, depressed immune system. Of course it cannot be exported from Ecuador or offered in other countries for these purposes unless it has been approved by relevant authorities.

There has been a study at University of Miami Medical School on the effects of this plant. See http://www.med.miami.edu/mnbws/Dandekar106.html

The Dulcamara Cream is created by blending pure dulcamara water extract with a base cream imported from France. The cream has protective, nourishing and moisturizing properties. A small quantity of essential oil of lavender is added to complement its nutritional properties and therapeutic uses, especially for acne, allergies, burns, diaper rash, and general skin care. The cream can be applied on the face and to all body parts.

The cream is used in Ecuador for burns, allergies, varicose veins and ulcers, diabetic, baldness, warts, vitiligo, acne, pimple, blackhead, wrinkles, hemorrhoids, psoriasis, diaper rash, dermatitis and general skin care. Again this cannot be exported form Ecuador or offered in other countries for these specific purposes.

This is just one of many herbs you’ll learn about because Alberto also works with CORPEI, the Ecuadorian government organization dedicated to developing export opportunities for handicrafters up to big organizations. They approached Alberto to see if he wanted to be involved in an international project to promote the development of businesses and organizations involved with producing and marketing natural products from the Andes and Amazon.

The tour fee does not included air travel, food or accommodations.

You can enroll in the May 22-24 Ecuador Amazon Herbal tour here.

Enroll here $399.  Enroll here for a couple $499

You can join one or two Ecuador real estate tours before the Amazon tour.

Ecuador Coastal Real Estate Tour May 16-17. $499 Enroll here.   $749 For a couple.

Imbabura-Cotacachi Real Estate Tour May 20-21.  $499 Enroll here.  $749 For a couple.

Sign up for two or three of the May 2009 tours and gain a discount plus attend any of the IBEZ Cotacachi + Tangled Web course FREE.

Attend any two Ecuador courses or tours in a calendar month…$949 for one.  $1,349 for two.

Attend any three Ecuador courses or tours in a calendar month…$1,199 for one.  $1,799 for two.