Tag Archive | "Chicago"

New International Investing Era


A new international investing era could be created by a destructive scientific fundamental that is now so powerful it could overwhelm all other factors determining our wealth. This danger has such power that it could destroy most investors and much worse… end civilization as we know it.

electromagnetic-pulse

Photo from Wikepedia report on Electromagnetic pulse weapons.

The most frightening part is that this force could unleash its destruction on us… now… at any time!

I want to share what, why and when this disaster could happen.

Then, I want to share how you can be protected rather than ruined.  We’ll even see how this, with luck, could be the creator of untold wealth which you, I, and a handful of cautious, insightful investors could share.

Before I explain how to safeguard your family from this possible upcoming disaster, let me explain that I first began to understand the magnitude of the risk after reading the New York Times best selling novel “One Second After” written by bestselling author, William R. Forstchen.

The story had extra meaning for me because it shows life in a small North Carolina town (similar to where Merri and I live during the summer) after an electro magnetic pulse is detonated by terrorists over the United States.

In the story the electrical grid and anything using a computer stopped working due to an Electromagnetic Pulse (EMP) created by just three small nuclear devices, launched from container ships and detonated high above the USA.

Without central communication and distribution, mass devastation and chaos ensued immediately.   The agony was terrible and life almost unfathomably complicated.

What made this fiction meaningful is that the book really documents and details the West’s dangerous reliance on technological systems which are so extensive that no one even recognizes them any more.

Adding to the terror of this book is a forward by Newt Gingrich and and afterword by Captain Bil Sanders (USN) one of the foremost experts on EMP. His comment  on how an EMP exploded over the US would create the Compton effect and how it would have “devastating consequences on our country” should be examined and understood.

It was Captain Sanders’ deep understanding of EMPs that made the warning in this book so powerful.

In a moment we’ll share ways to protect against this disaster… that could happen to all of us… suddenly… at any time.

First here are three facts that you should know.

EMP Fact #1: Many countries, including the US have EMP weapons that have nothing to do with a nuclear bomb and are quite small. They essentially put out a high energy very sharp spike of energy – high frequency and very short wavelength, short duration pulse.

However it is the nuclear EMP device that creates the greatest risk.  These are nuclear bombs that DO NOT CREATE DAMAGE FROM THEIR BLAST, HEAT OR NUCLEAR FALLOUT.   Instead the weapons create an electrical wave that fries just about anything with a computer.  A survey of open sources over the past decade finds that knowledge about EMP and EMP attack is evidenced in at least Britain, France, Germany, Israel, Egypt, Taiwan, Sweden, Cuba, India, Pakistan, Iraq under Saddam Hussein, Iran, North Korea, China and Russia.

Russian and Chinese military scientists in open source writings have shown how to design nuclear weapons that generate an extra powerful EMP effect called Super-EMP that can destroy even the best protected military and civilian electronic facilities.

electromagnetic-pulse

EMP Fact #2:  This risk has grown to such an extent that America’s electrical grid is so vulnerable to terrorist attack that the Homeland Security Committee Chairman Bennie Thompson is pushing a bill to give the energy commission broad authority for “true emergency situations.”

This is explained in a recent USA Today article entitled “Electrical grid vulnerable to terrorist attack”  by Thomas Frank.  Here are excerpts from that article: It sounds like a science-fiction disaster: A nuclear weapon is detonated miles above the Earth’s atmosphere and knocks out power from New York City to Chicago for weeks, maybe months.

electromagnetic-pulse

This graphic is from the USA Today article linked below.

Experts and lawmakers are increasingly warning that terrorists or enemy states could wage that exact type of attack, idling electricity grids and disrupting everything from communications networks to military defenses.

An expert panel that Congress created to study such an attack says it would halt banking, transportation, food, water and emergency services and “might result in defeat of our military forces.”

“The consequences would be catastrophic,” said Joseph McClelland, director of the energy commission’s Office of Electric Reliability. Full recovery could take up to 10 years, he said.

The scenario involves a phenomenon called an “electromagnetic pulse,” or EMP, which is essentially a huge energy wave strong enough to knock out systems that control electricity flow across the country.

The immediate effect would resemble a blackout. Although blackouts can be restored quickly, an EMP could damage or destroy power systems, leaving them inoperable for months or longer.

House Homeland Security Committee Chairman Bennie Thompson, D-Miss., is pushing a bill to give the energy commission broad authority.

At a committee hearing in July, Steve Naumann of energy giant Exelon said the authority should be limited to “true emergency situations.”

The commission studying the threat says the U.S. is ill-prepared to prevent or recover from an EMP, a vulnerability could invite an attack.

“We are not well-protected at all,” said Michael Frankel, who was executive director of the commission.

EMP Fact #3:  If an EMP event takes place, the Western World could quickly run out of food. Here is an excerpt of a transcript of a speech given by Professor Sir John Beddington, chief scientific adviser to the British government, at the GovNet SDUK09 event.  This has become know as “The Perfect Storm” speech.

I spoke here last year at about the same time about the issue of the food crisis and the burgeoning increases in food prices that were being driven by population growth, use of biofuels and so on.

The first problem here is that we really have a major issue. This graph takes a little bit of explanation; it is the ratio of our reserves to our consumption. What it is showing is that last year is the lowest level of reserves that we have had as a proportion of our consumption in years, since 1970 and actually since records were taken of this sort.

electromagnetic-pulse

That means that we’ve got somewhere like reserves of around 14% of our consumption, that implies, give or take, 38 or 39 days of food reserves if we don’t grow any more.

As you can see, it’s the lowest level that we’ve actually had.  Is that a problem?  Well the answer is yes it is going to be a problem.  We saw the food spike last year; prices going up by something in the order of 300%, rice went up by 400%, we saw food riots, we saw major issues for the poorest in the world, in the sense that the organisations like the World Food Programme did not have sufficient money to buy food on the open market and actually use it to feed the poorest of the poor.

But this is England, not North America.  Right?

Beddingdon’s note shows that North America might not be able to rely on Europe for much food assistance and…

America’s food reserves are even worse as explained in this excerpt from last year’s article “The US has no grain reserves” published in the Tri State Observer, Milford, PA. The excerpt says:  Larry Matlack, President of the American Agriculture Movement (AAM), has raised concerns over the issue of U.S. grain reserves after it was announced that the sale of 18.37 million bushels of wheat from USDA’s Commodity Credit Corporation (CCC) Bill Emerson Humanitarian Trust.

“According to the May 1, 2008 CCC inventory report there are only 24.1 million bushels of wheat in inventory, so after this sale there will be only 2.7 million bushels of wheat left the entire CCC inventory,” warned Matlack. “Our concern is not that we are using the remainder of our strategic grain reserves for humanitarian relief. AAM fully supports the action and all humanitarian food relief.

Our concern is that the U.S. has nothing else in our emergency food pantry. There is no cheese, no butter, no dry milk powder, no grains or anything else left in reserve. The only thing left in the entire CCC inventory will be 2.7 million bushels of wheat which is about enough wheat to make 1⁄2 of a loaf of bread for each of the 300 million people in America.” (MY BOLD)

The CCC is a federal government-owned and operated entity that was created to stabilize, support, and protect farm income and prices. CCC is also supposed to maintain balanced and adequate supplies of agricultural commodities and aids in their orderly distribution.

“This lack of emergency preparedness is the fault of the 1996 farm bill which eliminated the government’s grain reserves as well as the Farmer Owned Reserve (FOR),” explained Matlack.

This is backed up by a Scienceblog article that says: “The US Government Has Zero Grain Reserves.”

In 1996, the Federal Agriculture Improvement and Reform Act of 1996 (“Freedom to Farm Act”) called for elimination of government stockpiles of grain.  I’m sure someone thought it made sense, at the time.

Now, the United States government has no reserves of butter, cheese, dry milk, barley, corn, oats, sorghum, soybeans, wheat, rice, sugar, honey, peanuts, canola seed, crambe, flaxseed, mustard seed, rapeseed, safflower seed, sunflower seed, peas, lentils, chickpeas, and cotton.  [Source: US Farm Service Agency, Current CCC Inventory (PDF file)]

The book, “One Second After”, clearly and very dramatically (but I am not sure how accurately) drives home the point that unless a person takes a unique financial stance that his finances, and maybe even his or her life, could be wiped out.   Many military and scientific studies support this monumental economic, social and life threatening risk.

Yet you do not have to ruined by EMP.  You may even find that this potential weapon will create extra ordinary wealth that a few investors will share.  Here is how and why.

First, there is no proof that an EMP event as described above would create quite the havoc mentioned above.

Here is how one scientist whom I have known for years and trust completely, explains this.

“I’m not sure how large an effect the nuclear device would have above the atmosphere — the pulse might dissipate somewhat along the earth’s electromagnetic field.  It would probably take out a lot of communications and military satellites.

“Electronic devices that are not attached to any power source and that do not have an antenna when the EMP pulse hits could survive – even better with some shielding material.”

EMPs could be the driving force for the next investing era.

Just like the nuclear threat in the Cold War…  an EMP attack may never happen.   Yet because it could… the perception of risk… has created a huge rush by many governments to develop new weapons and forms of protection… just as during the Cold War.

This site and our multi currency site have repeated many times how stock market bulls and bears are based on cycles of human interaction, war, technology and productivity.

These cycles are intricately connected with the new waves of productivity that grow from the great human platform of combat. The cycle goes like this.

An economic downturn enhances a war or threat of war. Struggles for survival in the war (like the Civil War, WWI, WWII and the Cold War (WWIII), super charge inventiveness that creates new forms of productivity…the steam engine, the internal combustion engine,  production line processes, jet engines, TV, farming techniques, plastics, telephone, computer and lastly during the Cold War, the internet.

Each new invention helped win a war.  Shifting the technology to domestic use… after the war… created a boom.

Each boom leads to excess.

Each excess led to a correction.  The correction creates an economic downturn.

The economic downturn enhances a war or threat of war.

Here we are… in the correction again… at the correct time when we should expect that another war (or threat of war such as the Cold War) should begin to build!   This latest downturn started almost exactly (1998), 16 years after the last boom began (1982)…which began after the last great human struggle called the Cold War.

If the cycle repeats, the struggle should build now due to the poor economy.

The key for spotting the greatest investment opportunities is to spot the next big invention… the technology that will spin out of WWIV.

The key is that a problem must have such severe consequences (such as losing the war and being destroyed) that all stops… all logics of return on investment are ignored.  Technology and research are pushed full steam ahead regardless of cost. The threat must be real and serious… like EMP.

There are seven steps you can take to assure that you are not destroyed by an EMP.

#1:  Move well away from the USA…. to an agriculturally based country.  This is one reason Merri and I have been active in Ecuador for nearly 15 years.

#2: Move to Small Town USA.  Our sites have been looking at the benefits of this for years and why we live on agricultural property.

#3:  Create your own source of food.

#4: Create a local source of hardened energy and communications.  This is one reason our newest real estate purchase is also agricultural property and already has a HAM radio tower installed.

#5: Keep some gold and or silver on hand.

#6: Know how to take care of your own health.

#7:  Hold some assets outside of North America.

Merri and I have already taken six of these seven steps… and are well on our way to completing the seventh step.  From this we learned one really important point.

You should not suffer in the process of  gaining this protection either.

Merri and I did not move to the country… buy our Blue Ridge farm… set up our own food supply… start our garden… buy agricultural land in Florida… get a ham radio tower… buy gold and silver… organize assets out of the US and become involved in taking care of our own health naturally because we were worried about EMPs.  We did so because we wanted to.

Chances are that an EMP attack will NOT take place.  During the Cold War nuclear bomb shelters were not required!

Yet can we take a chance?  Ignoring this risk and with no action is not the answer either.

Instead let’s share ways and lifestyle alterations that protect as they provide joy, satisfaction, better health and enhanced wealth.

You may not be able to (or want) to move your home abroad or to a rural area.   Yet gardening, even in urban areas,  can be healthy and fun.  Holding some precious metals is probably a good investment anyway.  We should be taking care of our health even when their is no threat of war.

When it comes to holding assets abroad… our multi currency course can help.

Since mankind began, every generation has endured some great threat or risk.  Yet here we are… still growing!  Only time will tell whether EMP will create havoc or the greatest new wave of wealth we have seen.  Whichever, Merri and I will be here to share the experience with you.

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 I am giving everyone who enrolls in our North Carolina or Ecuador International Business & Investing seminar in October or November our “Tangled Web… How to Have an Internet Business Course” (offered at $299) free.

Here are comments from a reader about the way we help:  Thank you for your inspiration and information outlining foreign banking and retirement.  Your comments and suggestions are welcome for planning the steps to evaluate the early stages of living abroad.

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

December 6-8 Blaine Watson’s  Beyond Logic & Shamanic Tour

December 9-10 Imbabura Real Estate Tour

December 11-13 Ecuador Coastal Real Estate Tour

Join us in 2010.   Attend more than one seminar and tour and save even more plus get the three emailed courses free.

Our multi seminar-tour discounts have grown!

See the 2010 winter schedule below.

To Enroll click below.

1 real estate tour  $499 Couple $749

2 seminar courses & tours $949 Couple  $1,399

3 seminar courses & tours   $1199 Couple  $1,749

4 seminar courses & tours   $1,399 Couple $2,149

5 seminar courses & tours  $1,599 Couple $2,499

(Be sure to show in the comments section which courses and tours you are attending)

International Club attend up to 52 courses and tours in 2010 free.

Jan.   8-11     Ecuador Export Tour ($499) Couple $749
Jan. 13-14     Imbabura Real Estate Tour
Jan. 16-17     Coastal Real Estate Tour
Jan. 19-20    Quito-Mindo Real Estate Tour
Jan. 22-23    Cuenca Real Estate Tour

Feb. 11-14   Quantum Wealth Florida -International Investing & Internet Business, Mt. Dora, Florida ($749) Couple $999
Feb. 15-16   Travel to Quito and Andes
Feb  17-18   Imbabura Real Estate Tour
Feb. 20-21  Coastal Real Estate Tour
Feb. 23-24  Quito-Mindo Real Estate Tour
Feb. 26-27  Cuenca Real Estate Tour

Mar. 11-14     Super Thinking + Spanish Course, Mt. Dora, Florida ($749) Couple $999
Mar. 15-16    Travel to Quito and Andes
Mar. 17-18     Imbabura Real Estate Tour
Mar. 19-20    Cotacachi Shamanic Tour
Mar. 22-23    Coastal Real Estate Tour
Mar. 25-26    Cuenca Real Estate Tour

See our entire 2010 seminar and tour schedule here

Read the entire articles:

Electrical grid vulnerable to terrorist attack

The US has no grain reserves” published in the Tri State Observer, Milford, PA.

Internet Business Haro


New micro internet business opportunities arise all the time… Your own small internet business is a great way to make money… but there is something more.

Cotacachi-Ecuador-Condo-Rent

Morning on Cotacachi Ecuador’s plaza may be foggy but the economy is sunny and bright… and

I was sitting on our balcony at our hotel Inn Land of the Sun (formerly Meson de las Flores) in Cotacachi Ecuador… looking at the sunrise view.

internet-business-view tags;

Mt. Cotacachi was on my left.

internet-business-view tags;

Mt. Imbabura on my right.

internet-business-view tags;

The time was 5:36 am and I began my first round of answering my email.

The first note opened had the subject Om Bir and the email said:  Hello sir,  Nameste. T his is lalit from Nepal. i m working from two yrs. in roses. as a farm supervisor. we are exporting roses to japan.i’ll write you more about company.looking forward your reply.  lalit  kathmandu

What a wonderful way to start the day… I am in a small mountain village getting blessings from someone in mountains half way around the world.  Namaste means “may that which is in God be within you.”

We offer a course to help our readers start their own web business. This freedom not only makes life more enjoyable but also reduces the cost of living.

Technology brings us so many blessings… the things we take for granted… air travel… electricity… computers… cars… the internet… would be considered miracles for 99% of mankind that has existed.

Yet we can with the push of a button gain blessings… and business from around the world.

This is why we are sharing a free course on how to create your own website without a webmaster written by Michelle Toole. Here is the 38th lesson in this course.

What’s HARO?  By Michelle Toole

So you’re interested in starting your own self publishing business on the internet? Or maybe you have a book that you wrote and want to make a name for yourself?    Well, I have a great tip for you…..actually, it’s a great tip for anybody wanting to establish themselves as an expert and this will help you build your own ‘brand of one.’

Editors, as Merri always reminds us, are “always looking for content” and the same goes for reporters, bloggers, radio hosts and pod cast hosts.   So, how do you connect with editors, reporters, bloggers, radio hosts and pod cast hosts that need you?  Good Question….

And I have a great answer…. HARO.  What’s HARO?

HARO stands for ‘Help a Reporter Out’, a web site (helpareporter.com) started by Peter Shankman and it is an excellent resource for those of us trying to build our own ‘brand of one.’

According to Peter, “I built this list because a lot of my friends are reporters, and they call me all the time for sources. Rather than go through my contact lists each time, I figured I could push the requests out to people who actually have something to say.  These requests only come from reporters directly to me.”

Once you sign up to Peter’s web site you will get 3 emails each day.  Each email will include a list of reporters, bloggers, radio hosts and pod cast hosts looking for sources for their stories.  Of course it’s not likely that you will find someone looking for your expertise on a daily basis, but I wouldn’t be surprised if you find something every other month.  It’s certainly worth your time and the best way to build your ‘brand of one’ is to put yourself out there.

Good Luck and happy Branding!…

You can check out Michelle’s web site at http://healthy-holistic-living.com and http://home-remedies-and-natural-cures.com.  To get more great tips, like the ones above and to see how and what tools she used to create a successful on-line business go to http://sitesell-sbi.comInternat Business Ideas

The sun always shines somewhere. Because many Americans are headed south… business is suffering in the north… but getting better n the sun!

Gary

The greatest asset of all is the ability to labor at what you love wherever you live. This brings everlasting wealth.

This is why we are providing a special three for one offer with our  course Tangled Web… How to Have an Internet Business. This can help you create your own internet business.

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.  

ecuador-wine and cheese

We’ll have Ashe county wine tasting here at the New River Vineyard during our Blue Ridge seminars.

Or head south to Ecuador!

international-business-made-ez

Let our friendly staff at our Inn Land of the Sun (formerly Meson de as Flores) serve you.

otavalo-hotel-for-sale

In Cotacachi and surrounds the weather is always spring like.  Here are delegates taking a shirt sleeve, winter break at a hotel for sale on our Imbabura real estate tour.

ecuador-internet-business

Winter is shorts weather on Ecuador’s coast. Here I am working in February at our Ecuador coastal penthouse… shirtsleeves and shorts!

Join us in the mountains and at the sea. Attend more than one seminar and tour and save.

Retire & Earn Abroad


Here is another reason to Retire and & Earn Abroad.

Yesterday’s message on lifestyle and Ecuador diversification was really backed up by Uncle Sam quickly!

Whether you retire in Ecuador or anywhere outside your home.. you want diversification. See why below!

retire-in-ecuador

One benefit of retiring in Ecuador is that it can help the poor there.

Yesterday’s article worried about weather change being called a threat to national security and wondered if this concept could further erode human rights.

I never imagined the very next day we would have even more concern… yet an article by James Risen in the New York Times entitled:  “U.S. to Hunt Down Afghan Drug Lords Tied to Taliban” must give us pause.

Here is an excerpt:  WASHINGTON — Fifty Afghans believed to be drug traffickers with ties to the Taliban have been placed on a Pentagon target list to be captured or killed, reflecting a major shift in American counternarcotics strategy in Afghanistan, according to a Congressional study to be released this week.

United States Marines on a recent raid in Helmand Province. Under a new policy, drug traffickers are subject to being killed.

United States military commanders have told Congress that they are convinced that the policy is legal under the military’s rules of engagement and international law. They also said the move is an essential part of their new plan to disrupt the flow of drug money that is helping finance the Taliban insurgency.

retire-in-ecuador

Part of our work at Meson de las Flores was to continue a policy at our hotel to feed the poor. We always keep a pot of nutritious stew on the stove and our less fortunate are welcome any time of the day.  Above is one of our regular guests.

The problem is that the erosion of rights creeps upon us in small steps… like income tax. When to raise revenue to fund the Civil War, an income tax was introduced in the United States with the Revenue Act of 1861. It was a flat rate tax of 3% on annual income above $800.

When the idea was contested on concerns that the tax, once established, would grow, one Congressman stated that there was no way the population would let the tax ever be higher than 3%.   Yet a year later  flat tax this was replaced with a graduated tax of 3-5% on income above $600 in the Revenue Act of 1862.

This act made tax temporary ending in 1866.  Regretfully, perhaps, in 1866, income tax collections reached their highest point ever, over $310 million.  This made the tax popular and today we can see the effects of the small steps… one freedom eroded at a time.

So where does the legal right to kill drug dealers lead?  If it is legal to kill Afghan drug dealers to disrupt the flow of drug money that finance insurgency, what about drug dealers in Mexico that are financing insurgency in the US?  Can we kill them too?  If so, how about if we catch them in the US, can we kill them there?   If so what if they are US citizens or residents?  Can we still kill them?  Can the army become involved… in the name of national security?  Do they have to check a person’s passport before they shoot the drone at them?

These are tough calls, but somehow making it legal for the army to kill non combatants seems like a small step in the wrong direction.

retire-in-ecuador

Merri and I visiting a village that our foundation supports… helping the old and supporting the young by improving their school.  This is a fulfilling retirement activity.

Yet loss of rights is not the only reason we might want to live or retire in Ecuador or elsewhere, full or part time, for diversification.

The rising cost of living makes it difficult to retire in the West.  Plus though taxes are rising… benefits for those who retire are not.

A recent BBC article “Pension age could rise further” shows how the rot in England has grown. An excerpt says:  The state pension retirement age could be increased further, the UK’s pensions regulator has told the BBC.

David Norgrove said rising life expectancy meant millions of people would “undoubtedly” have to wait longer in future to draw a state pension.

People will not save as much for retirement as in the past, with many people “frightened” to do so, he said.

The state pension age is due to rise to 68, and Pensions Minister Angela Eagle said there were no plans to raise that.

Currently, the state pension age is 60 for women and 65 for men, but four years ago Lord Turner published a report calling for it to rise to 68 for everyone by 2044.

But Mr Norgrove said he thought it would end up higher.

Mr Norgrove said: “People are going to have to work longer, partly because we’re not going, as a nation, to save as much for retirement as we did in the past.” He added: “The government’s recent legislation is increasing the state retirement age progressively to 68. I think it will end up higher than that.”

retire-in-ecuador

Part of our program is to get readers who retire in Ecuador involved helping the poor.  We also offer roses and donate the proceeds to help people like this charming woman.  See more about her, and how the roses help, here.

Another reason to retire in Ecuador is that business opportunity seems to be rising there as it falls in the north.

A recent USA Today article. “Business bankruptcies up 240% since 2006”, by Christine Dugas outlines a US retirement and lifestyle problem.  Here is an excerpt of that article:

Entrepreneurship and new small businesses are supposed to lead us out of the recession, just as they have in prior downturns, right?  Sure.

Your neighbor’s grand idea will persuade a bank to lend her start-up money; she’ll open for business in six weeks; and money will immediately flow from customers to her to her employees. Taxes will be paid, and the national economic engine will hum effortlessly in no time. If only.

Today shows a different reality: Commercial bankruptcies are surging. Fewer people are starting small businesses, and firms already open are struggling under changing consumer habits, a lack of funding options and tougher bankruptcy laws. If a nationwide trend seen since January holds true, more than 300 businesses will file for bankruptcy today alone.

The first five months of this year have shown a 52% increase in the total number of commercial bankruptcy filings (36,106) compared with the same period last year (23,829), according to the Automated Access to Court Electronic Records. On average thus far in 2009, some 350 commercial enterprises file for bankruptcy daily an increase of 240% from 2006, the first year after the bankruptcy law was changed.

Major corporate failures, like GM and Chrysler, flash across front pages and websites. But the vast majority of commercial bankruptcies, which are not separated by size of firm by data keepers, are filed by entrepreneurs and small-business owners, says Robert Lawless, professor of law at University of Illinois.

Troubling for the economy, say Lawless and Todd McCracken, president of the National Small Business Association, is the double-whammy of fewer start-ups and increasing bankruptcies.

“In the past, small-business formation increased in a recession because people had self-employment thrust upon them,” he says. “One avenue out of economic hard times self-employment has become less attractive, because the bankruptcy law is less forgiving” and there are fewer options for those entrepreneurs to get bank loans or to find funding elsewhere.

Small business is considered the backbone of the economy. In the past, new businesses led economic recoveries, McCracken says. Small businesses  those with fewer than 500 employees  make up half of the gross domestic product and account for most job growth.

Problems from the devastated housing market, overall recession and suffering major industries all funnel down to small businesses, especially those that supply the troubled corporations.

Household spending cutbacks reach far, too. Dual-income families who are now single-income may no longer need or be able to afford child care, so many of those services are going out of business, says Lester Thompson, a bankruptcy lawyer in Dayton. Sporting goods stores and lawn-mowing services also have struggled.

Small-business bankruptcy filings jumped the most in the Los Angeles and Chicago metro areas, according to Equifax. But even smaller areas of the country are experiencing a big increase.

Many small businesses owe so much money to creditors that there is no future. Such owners often file for Chapter 7 bankruptcy and shut their businesses for good.

The credit crunch is a major contributor to the rise in filings.

Loan dollar volume from the U.S. Small Business Administration has increased 35% since the American Recovery and Reinvestment Act was passed on Feb. 17, according to the SBA. Even so, a National Federation of Independent Business trend report states that in May the percentage of business owners reporting that loans are harder to get rose to 16%, the highest reading since the 1980-82 recession.

With that reality, and loath to dip into their retirement savings, struggling small-business owners have few options other than bankruptcy. When the bankruptcy law changed in 2005 it was mostly aimed at curbing abuse of personal bankruptcy filing. But it also singled out small businesses for harsher treatment, and those changes did not apply to larger corporations, Lawless says.

Bankruptcy is still the only option for many small-business owners who are hanging by a thread.

This is why the idea of living or retiring in Ecuador or elsewhere, at least part time,  for diversification and global earning potential makes sense because opportunity is growing elsewhere.

retire-in-ecuador

Nothing makes our retirement problems diminish faster than helping those who have even greater needs.

An excerpt from a recent Wall Street Journal article “Ecuador’s Business Confidence Index Up” by Mercedes Alvaro says: QUITO (Dow Jones)–Ecuador’s Business Confidence Index, measured by Deloitte and Touche, surged 5% in May to 93.2 points, compared with May 2008, the company said in its monthly report.

Deloitte said the index recovered by 31% in May against April, returning to the levels registered during the last quarter of 2008.

The Index’ recovery is largely due to the waning perception among executives of a deterioration of the country’s economic and political conditions, it said.

Deloitte found that 45% of those surveyed are less optimistic about the economy compared with April, while 52% perceive no change.

The slow but steady increase in oil prices and the revival of the global economy are grounds for expecting that the economy in Ecuador could improve by year’s end or in early 2010.

Questioned about the performance of their businesses, 34% said they had lower sales compared to the previous months and 39% reported revenues down on the same period of last year.

The survey found 20% reported a reduction in their workforce compared to the previous month.

Around 57% of the business leaders surveyed said that the country’s socio-economic situation makes it difficult to attract foreign investment.

Blue-ridge-mountains

We should help our neighbors at home as well. This is why we are developing environmentally sensitive, sustainable programs to encourage value-added, employment in the Blue Ridge as well.

I have written many times about the benefits of retiring in Small Town USA for lifestyle diversification as well. See more on lifestyle diversification at Inspired to Retire

We can see below why diversification remains important even if we retire in Ecuador.

Just because we want to live or retire in Ecuador does not mean that Ecuador does not have its own creeping erosion of rights problems as well.  An August 3 news.Yahoo article says: Correa: Ecuador to take over radio, TV stations.  QUITO, Ecuador – Ecuadorean President Rafael Correa says “many” radio and TV frequencies will revert to state control due to what he’s calling irregularities.  The president has been at war with Ecuador’s news media since taking office in January 2007. He has called TV stations and newspapers corrupt and mediocre, and twice fined an opposition broadcaster.  Correa did not specify Monday what sort of abuses or irregularities broadcasters have committed. Nor did he name any alleged offenders.

An August 5th update on this matter in the Wall Street Journal says: Ecuador Govt Braces For Reaction To Radio, TV Takeovers

QUITO (Dow Jones)–Ecuador’s government is expecting “strong reactions” to a report that will determine which television and radio stations will revert to state control.

Antonio Garcia, chairman of Ecuador’s National Radio and Television Board, said Wednesday that a report will be issued next week on which stations the government will take over.

President Rafael Correa’s government has alleged that a number of stations received their broadcasting concessions illegitimately and said that “many” would revert to state hands.

Correa’s announcement came on the heels of the government of Venezuelan President Hugo Chavez, the Ecuadorian president’s close ally, shutting down 34 privately-owned radio stations last weekend.

An initial report by an Ecuadorian government commission last year found that 236 of 1,637 frequencies had obtained their concessions illegally.

Garcia brushed off what he called “alarmist accounts” that all radio and television stations will revert to state control and that the government is looking at them on a case-by-case basis.”

He said that some media outlets, however, are “trying to misinform” viewers and listeners.

We’ll stay tuned to what happens with this takeover  at our Ecuador Living  Service.

The greatest asset for diversification is the ability to earn wherever you live and to keep your investments safe.

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 I am willing to pay you $300 to attend either our Ecuador Super Thinking plus Spanish seminar in September or our North Carolina International Business & Investing seminar in October.  Sign up for either seminar and I will email you our Tangled Web… How to Have an Internet Business Course (offered at $299) free plus I’ll knock an extra dollar off your seminar fee…. to round up the $300 savings.

See details of the two seminar below.

Here is Thomas Fischer talking with seminar delegates at a recent international investing course that I co hosted with Jyske Global Asset Management.

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Join Merri, Thomas Fischer of JGAM, our webmaster David Cross and me in North Carolina this October and enroll in our emailed course on how to have a web business free.  Save $300.

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

Oct. 9-11 IBEZ North Carolina

Or join us in Ecuador and learn more about living and retiring in Ecuador.

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Seminar delegates visiting Otavalo market looking for Ecuador export ideas.

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

Oct. 21-24 Ecuador Import Export 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 for two.

Learn more about the power of  Ecuador export ideas

See WSJ article Ecuador’s government braces for reaction

See NYT article U.S. to Hunt Down Afghan Drug Lords Tied to Taliban

Retire in Ecuador – Out of Cities


Retire in Ecuador… our wherever…out of town because isolated places may be out of the box bargains.

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Merri and I have purchased many isolated places.  Here is a shot from our North Carolina farm.

A reader, wanting to know whether to retire in Ecuador or not sent this note last week:

Dear Gary,

I have noticed that you have mentioned (a few times) that you and Merri are not residents of Ecuador —– and you do not want to become residents. Would you be kind enough to explain what brought you to this decisions? Thank you,

My reply was “Mainly grandkids”.

Yet there is much more.

Merri and I live both in Ecuador and North Carolina because we love the people, the way of life, the land and the value.

We did not choose Ecuador because it is outside the US, nor Ashe county because it is in America.

We chose them because they are both in our opinion great places to be… and they are isolated.

Change alters the value of places.

When I grew up living in the suburbs of Portland Oregon, I could walk miles to school when I was eight.  We let our doors unlocked.

When I was a young man, huge cities were great places to be.  I lived in Hong Kong, San Francisco and London as well as portland… at times walking late at night in many parts of the city alone.  Cities were fun!

Now cities are much more dangerous and crowded and inconvenient.

Traffic from my mom’s suburban Oregon house (the same one for 50 years) to downtown Portland is horrid and she has to double lock all her windows.

Great places bring opportunity and joy in our lifestyles… but great places change and now there are double benefits in Isolation

I have steadily increased my investments in three seemingly isolated places; high in the Ecuador Andes, in a remote Pacific fishing village and in Ashe County North Carolina.

I chose each for the same reasons.  They are isolated but have good internet and reasonable access to a good airport

There are several reasons why change has put a premium on isolation.

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Merri and I have purchased many isolated places.  Here is a shot from our Ecuador Hacienda.

One reason is food.  Ecuador is a small agricultural country and as such, huge national distribution systems are not required to feed the population.  The food is fresher.  Preservatives are not as required.

The residents in the Blue Ridge of Ashe county know how to feed themselves as well.  Our farm is dotted with old homesteads where the dwellers lived mostly off the land… not that long ago… so people here know how to create their own food supply if need be.

The second reason is that the cost of living is still low compared to cities in Ecuador or the US.

The third reason is health.  There are no big factories… the air is fresh… water is quite pure… and you are not surrounded by crowds… increased risk of crime and such.

Plus (fourth) lifestyle benefits are great. No traffic jams… not much traffic noise… far less stress.

Fifth, property prices are low compared to alternatives… yet for the reasons stated above… they offer potential of appreciation as more and more people want to get out of the cities and burbs.

At the beginning of this millennium I recommended investing in Ashe County, North Carolina and did so myself.

In the 10 years since, even with the real estate crash, the price of land in the area has risen five to 10 times. Yet these prices remain low compared to other similar areas.

The small towns in the area are safe, the people friendly.   Life is still good.  People still wave when you drive by.

I can now eat a hearty breakfast in Jefferson, North Carolina (our nearest town of any sort) for under five dollars.   Also when we go out to breakfast we can leave the house unlocked and cars, trucks and jeeps parked with the keys in them.

9/11 changed people’s values. Family, friends and quieter, more peaceful life is more important than before.

Having these fine qualities is harder to achieve in downtown Manhattan or Central Chicago or in the heart of L.A.

Life in America is changing due to the difficult economic and social times. There is a return to simplicity and the value of these small towns and their honest core values will grow.

If the economy suddenly recovers and the world’s economy rises, small towns will still not lose their appeal. The world’s population continues to grow.   People always want what they perceive they have lost… freedom from crowds, traffic jams, pollution and the hassle of city life.   I believe these qualities will grow in value.

Today, the portable computer, internet and cell phone have changed all the rules of real estate. The old maxim is still true that the three most important aspects that affect a properties value are location, location, location, but technology alters which locations will have greater value!

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Merri and I have purchased many isolated places.  Here is a shot of the land around the village where we have our Ecuador hotel.

Take for example, my own career in writing about international investing.

When I began, I had to live in London. This was where all the knowledge and information was held. To give timely advice I had to be there. Then as phone rates dropped and the fax came along, I was able to leave the congested city and move to Naples, Florida, then a sleepy fishing village and still have access to the data I would need. Finally as Naples became crowded, because of the Internet, we were able to move to isolated farms both here and in Ecuador and still have access to any international investment information.

I can call up market details, specific shares, global news, regardless of how remote I am.

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Merri and I have purchased many isolated places.  Here is a shot of the empty beah near our Ecuador beach condos.

Here is the key point.

The primary factor of real estate’s value used to be physical accessibility to many people. This factor is shifting to accessibility of information.

Remote places are gaining a new value if they have access to information.

Ashe county which adjoins Virginia and Tennessee was established and named after Samuel Ashe in 1799. It is often known as the Lost Province because until recently hardly anyone knew of the place.

The county seat is Jefferson and the county has a land area of 426.16 miles but only a population of 22,209 people. This population is wide spread as well. The only towns are Jefferson (1,300 population), West Jefferson (1,002) and Lansing (183).

This is a totally rural area with three commercial crops, Christmas trees, timber and tobacco.

There are several small factories in the county but tourist activities such as canoeing on the new river, scenic drives though Southern Appalachian Wilderness, leaf looking and camping.

Ashe county is isolated but sits almost equidistant from the north and south of the east coast of the United States.  We almost the same distance from Florida and  Maine.

Here are the signs I see that suggest to me that this area will boom:

1. The prices here are a fraction of the counties north and south.

2. The first cappuccino machines have arrived in Jefferson. When we arrived there was nothing like this and it was a dry county.  Now there are smart cafes… wine bars and art gallerys.

3. Prices as mentioned have already risen.

4. The major road from I-77 has being widened to four and even six lanes.

5. Wal Mart built a super store.

6. The first golf course community has been a success in Jefferson.

7. Lowes has open a large DIY store.

There are some other great benefits here. The nearest airports for commercial flights is Tri-Cities Tennessee.   This s one of the easiest airports I have ever checked into…a 15 check in allowee. Parking right at the front door and often the policemen will hel yu haul in your bags.  Yet this regional airport is just over a half hour to Atlanta or Cincinnati.

There is a great college town Boone just 45 minutes away, a chic, resort area, Blowing Rock the same distance and real cities, like Charlotte two hours drive.

Yet as isolated as we are we have great DSL broadband so I am as connected as if I lived in Manhattan.

This makes me more effective than some businesses in the center of major cities, as I avoid the delays from traffic jams, crowds, smog, missed parking places and crowds.

You can take advantage of great isolated places to be by creating an internet business and looking for places like Ashe county north Carolina that are short on people but long on data resources.

Retire in Ecuador because Ecuador real estate is inexpensive.

Merri and I have purchased a lot of Ecuador real estate in remote places as well.

See why at Ecuador Real Estate is Inexpensive

Wherever you plan to retire in Ecuador at home or elsewhere, think about leaving the maddening crowd.  Isolated places may be the bargains of the future.

Gary

Our 2009 course and tour schedule.

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 Tour

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

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.

Bank Privacy Gone


The problem of getting Bank Privacy is gone.  Now the problem is being able to get a good international bank at all.

The problem is that Americans have lost control of their wealth.

An insidious form of of loss has been taking place for decades and now we are in the end game.

The theft has taken place in the same way the Nazis robbed the Germans of control.

A German industrialist once explained how the Nazi’s took over when he explained that very few people were Nazis.  However many enjoyed how the Nazis brought back an external German pride.  Most were just too busy to care.  The majority let it all happen at an early stage.   Too late the realization came that the Nazis were in total control.   See how this has happened to your wealth here.

This is what has happened to American wealth.

Now we are in the end game.  I have been warning about this problem of reduced bank privacy for over 2o years… first in my printed books and newsletters… later at my web site.

Here is what I wrote at this site almost nine years ago to the day, July 13, 2000.

More on the loss of bank privacy

Bank privacy no longer exists. Some years ago I wrote about the insidious tactics that the US and other governments have used to erode financial privacy and personal liberty and pointed out that the problem is that the government does not attack the individual but puts the pressure on the overseas financial institutions. The current additional move by the US government to collect tax is just one more small step.

The message below shows that one of our readers does not understand this yet. After his message I put my comments below.

“Gary  How can a non-US institution, and there must be many thousands of them in hundreds of countries, be “forced” to comply with the IRS and become a tax collector for them? I would think that most of them would tell the IRS to stick it. Or simply ignore it. Sounds more like scare tactics for US “taxpayers.”

The problem began in the 70s when the SEC sued an investment manager in the US who was managing an overseas mutual fund which kept all its money in Switzerland. The SEC demand to the Swiss bank (Credit Suisse) that they return the money (it was many millions) to the US. The Swiss bank pointed out that the fund had not broken any law and that they had no legal way to return the money.

The US simply seized an equivalent amount of Credit Suisse’s money in the US. The was the beginning of the end of bank privacy. The simple fact is for an international bank to operate it must hold accounts in the US, England, Germany, Japan, etc. This makes these institutions vulnerable to the authorities in each country.

Now we can see that this bank privacy problem has grown so serious that more and more international banks will not accept US investors.

Excerpts from USA TODAY article entitled “Some foreign banks drop U.S. clients because of UBS flap”  by Kevin McCoy shows how far the loss of bank privacy has grown.

The closely watched Justice Department court fight to get the names of 52,000 suspected American tax evaders from Swiss banking giant UBS has prompted some other foreign banks to drop U.S. clients they once welcomed, tax experts said Monday.

Eager to avoid a similar struggle with federal prosecutors, banks including Credit Suisse and HSBC in recent weeks have notified American clients they must close their offshore accounts or transfer them to the institutions’ U.S.-based operations, where tax reporting requirements are far stricter.

“Overall, the international banking community, and particularly the offshore banking community, has been very friendly to American account holders,” said William Sharp, a tax law specialist at the Sharp Kemm law firm in Tampa. “That changed in the past couple of months as a result of the UBS case.”

The owner of an HSBC account in Jersey, one of the English Channel islands, recently received a 45-day notice to close the account, said Robert McKenzie, a tax law specialist at Arnstein & Lehr in Chicago. A client with an offshore Credit Suisse account got a similar notice, he said.

Some foreign banks elsewhere now avoid offshore business with Americans because they know the Justice Department plans “to extend this effort to other jurisdictions beyond Switzerland,” said Martin Press, a tax expert at Gunster Yoakley Valdes-Fauli & Stewart in Fort Lauderdale.

It was a smart move. Overseas banks do not vote and do not lobby in Congress.   US banks of course do not mind the competition getting kicked.

A few writers, (ourselves included) have been sounding the warning… in our case for decades.

Yet we are small potatoes and this never reached the majority of the public awareness.

The freedom to bank abroad has never been removed. Conditions have just been set so overseas banks cannot serve Americans.

Clever.  This leaves US investors with fewer ways to protect against inflation created by irresponsible spending.

The loss of bank privacy is not as bad as the loss of being able to use competent international banks.

Fortunately some banks like Jyske Bank (the Danish bank I have worked with for decades) has taken the time and considerable expense to qualify to serve US customers and actively accept them.

One way to overcome this problem is move.  Live and/or retire outside the US. Retire in Ecuador or somewhere you enjoy… as many Germans who saw what was coming did before the Nazis took total control.

This is one reason why so many Americans are moving abroad. See more at America Moving Abroad.

Gary

Join us at our North Carolina farm this July or October for our International business & investing seminars below. Learn more about early retirement and Ecuador.

July 24-26 IBEZ North Carolina

Oct. 9-11 IBEZ North Carolina

Or join us in Ecuador and learn more about living and retiring in Ecuador.

July 24-26 IBEZ North Carolina

Oct. 9-11 IBEZ North Carolina

Or join us in Ecuador and learn more about living and retiring in Ecuador.

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

Oct. 21-24 Ecuador Import Export Tour

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

See the entire article Some foreign banks drop U.S. clients because of UBS flap at http://www.usatoday.com/money/industries/banking/2009-07-12-ubs-secrecy-case_N.htm

International Earning Potential in Business


Ecuador and international earning potential in business offers great freedom.

The 4th of July, America’s day to celebrate freedom, is a good day to remind ourselves of how freedom can bring anyone and everyone opportunity now.

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Internet based export businesses are a way to develop International income potential. 

I am happy to report, that freedom in America is not dead.   America’s independence, in my opinion, has improved and evolved.  Yankee ingenuity has used technology to enhance the business mobility that has often given America a leading business edge.

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Textiles for export

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that we…

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saw on our…

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Ecuador tour.

This spirit of  Americans moving to “where the action is” was epitomized in Horace Greeley’s famous quote, “Go west, young man.”

In fact Greeley himself was a reflection of this mobility-for-better-circumstances ideal.

He was born the son of a New England farmer and day laborer in New Hampshire. The economic struggles of his family meant that Greeley received a spotty education.  When he could not find enough work and seeking to better his circumstances, he set out for New York City and eventually founded the New Yorker and later the New York Tribune.

Willingness to keep moving for progress has always been the American way.  In less mobile times this mobility worked from state to state.  Now it moves from nation to nation.

At a time when US earning potential may seem diminished, it should be no surprise that Americans are on the move finding opportunities all over the world.

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Jewelry for export.

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Leather products for export.

Why should American earning mobility be limited to just the borders of the USA?

The original concept of  many united states was that we lived in the land of the free and could move to whatever state that offered the best opportunity.  With modern technology, why not spread this mobility beyond the oceans and Canadian and Mexican borders?

Big businesses in America have certainly not limited their efforts within American borders.  Almost every major US corporation, manufactures or outsources work globally.  American corporations go where opportunity is best.

Now small businesses can use the internet to be global as well.

I see many Americans finding good earning potential in Ecuador.  I expect this is taking place around the world.

The real factors that make Americans free… willingness to work… try new innovations… cross social and cultural lines… take risk and trying new things works anywhere and are a state of mind and attitude… not a place… or a date.

This is the American way… serve… work harder… be better… do more for others. This works… an attitude that gives anyone, anywhere, who uses it an edge.

This is why one finds American  entrepreneurs thriving in Ecuador and anywhere one travels…  Americans and the American spirit are global… successful… and free.

Today let’s celebrate more than just a day of  declaration of freedom.   Let’s rejoice in a universal truth that freedom is something within us all.  Freedom is not a condition but an energy available to any and everyone with desire and willingness to work and serve wherever the opportunity opens.   That’s the spirit of the American way.

Merri and I send our best wishes that each and every reader will always be free!

Gary

Join us in North Carolina at our July seminar and learn how the internet era can help you increase your freedom with  your own global internet business operated from Ecuador or anywhere.

At the seminar we look at how to get good rankings for your business.

For example our Garyascott.com and Ecuadorliving.com sites have first page Google rankings for many Ecuador search phrases including the phrase “Ecuador Banking” and…

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and “Ecuador Attorney”.

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plus many others like “Ecuador Real Estate”,  “Ecuador Beach Property”, “Ecuador Exports”, and many many more.

At our seminar we’ll study how to get and monetize rankings.

Our rankings do so well, that according to Alexa.com our garyascott.com site’s traffic rank is in the top 20,000 US sites. Out of tens of millions.  Here is a recent Alexa report.

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Our webmaster David Cross will join us at the July seminar.  David is chief internet consultant to some of the largest internet marketing companies in the world.

The July seminar will focus on the essence of a successful internet business, plus those who attend this course can have our emailed course “Tangled Webs We Weave, How to Have Your Own Internet Business” FREE.  (or you can choose our email course on multi currency investing instead).  You save $299.

Learn more at Tangled Web

This seminar  is July 24 to 26 here in the green and cool North Carolina Blue Ridge Mountains.

Half this course is about international investing and Thomas Fischer at Jyske Global Asset Management helps me conduct this portion of the course.  The other half is about how to develop your own business. Merri and David help me with this.

Here is a special offer. If you enroll in the July 24 to July 26 course, I sign you up for one of our two emailed courses free. This is up to a $299 savings.

Join me and Thomas Fischer from Jyske Global Asset Management in North Carolina to learn more about economic trends and David Cross our webmaster to learn how to have a global internet business.

We’ll have lunch at the farm and enjoy the cool summer mountains. Here’s a shot of our front yard.

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Thomas Fisher speaking to our delegates at the farm.

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Delegates enjoying a private conversation with Thomas Fischer during a coffee break at the farm.

Join Merri and me with Thomas Fischer of Jyske Global Asset Management and our webmaster David Cross in North Carolina July 24-26 IBEZ North Carolina

Read the entire article Business bankruptcies up 240% since 2006 at www.usatoday.com/printedition/money/20090701/smallbiz01_cv.art.htm

Read the entire article Ecuador’s Business Confidence Index Up at online.wsj.com/article/BT-CO-20090630-711211.html

Buying Tickets To Ecuador


Buying Tickets To Ecuador

There are many reasons to buy a ticket to Ecuador… miles of sunny empty beach is one.

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When I took my first flight to Hong Kong 41 years ago, I was 21 years old and few on a cheap ticket that was called a student fare.

While in Hong Kong I met a travel agent. Charlie Kwok was his name and he had an office in the Miramar Hotel, Kowloon, not far from the Star Ferry. Charlie was the master of the low cost air fare and over the next half decade he amazed me with some of his great deals…. Especially for people under age  27.

Next decade in London, John Dragonas, a Greek travel agent continued showing the way to get deals. Back then they had VUSA (Visit USA) where prices were really low.

By then Merri and I had met and she became the maven of amazing air fare deals.

In short I have always enjoy incredibly low costs air fares.  However Merri added another dimension because not all low cost air fares are great.

I recall one flight Honk Kong to Portland Oregon that Charlie Kwok arranged… really cheap, because it was a charter with two empty seats and otherwise full of doctors returning from Thailand. What Charlie forgot to mention was that the actual fare went Hong Kong, Seattle, Minneapolis, San Francisco and then I had a connection back to Portland… adding about 24 hours to the flight!

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There are many reasons to buy a ticket to Ecuador… such as the high Andean lakes.

John in London ignored the human part of travel to get the cost down once as well… a special VUSA fare. Merri and I wanted to fly London, Miami, Chicago, Portland, London.

To get the lowest fare, the actual flight turned out to be London -Denver, Miami- Denver, Chicago-Denver, Portland-Denver, London…or something like that… low fare but not a great deal.

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There are many reasons to buy a ticket to Ecuador… including wonderful colonial architecture.

It was about then that Merri took over finding our fares and she is good…  Let me be humble and say she may be the best. Recently our son visited us from London, Charlotte, London for $17.  That is correct, seventeen dollars.

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There are many reasons to buy a ticket to Ecuador… big cities and…

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quaint villages like… Cotacachi shown here.

Recently one of our articles Ecuador Air Fare Update mentioned a $316 Miami Quito fare that Merri found and explained that readers should visit www.farecompare.com

So many readers asked for help on how to get this fare that I asked Merri to prepare an article on how she does it.

Here it is:

Buying Air Tickets

Gary often asks me to write about how I buy airline tickets and especially those to Ecuador…so this is the first in a series of hints including safety, price, ease…

Well, first of all…it’s a tricky business for sure. And to top it all off, it rarely is quick and easy.  I start out with that in mind and sometimes days later I’m still at it!  But there is a pattern that I always use that helps me sort from the beginning the good, bad and the ugly.

Malcolm Gladwell’s newest book, “The Outliers, The Story of Success” clearly states that most people are really good at something, really successful after about 10,000 hours.  Well, for sure I have my 10,000 hours in on travel and tickets.  For over 4 years, Gary and I crossed the Atlantic commuting from our home in London to our home in Naples, Fl every three weeks.  It was always different, always a surprise and very often extremely challenging to buy tickets for Gary’s mom, our 5 children to all our destinations all over the world ON A REGULAR BASIS.  We had homes in London, Gloustershire, Naples, North Carolina, the north coast of the Dominican Republic and…oh, it makes my head spin just thinking about it!

Needless to say, just by the sheer act of plotting, planning and finally buying, I’ve learned a lot…earned my 10,000 hours over the last 25 + years of international traveling.

However, all the rules have now changed…it’s often hard to know which way to jump…some people book for instance a conference and tell me to confirm quickly so they can buy “that cheap ticket” that is 6 months out!  Whoa, I reply…that’s pretty risky…sometimes you can now buy a ticket at a week out for the same price or better than a month out.

Airlines are constantly shifting and changing and hedging their bets…so let’s look at a few things that we can count on.

#1. The internet makes it a lot easier than we’ve had it before.  There is plenty of data and solid information that we can gather from 100s of sources instantly.

#2.  The internet also makes it a lot harder than we’ve ever had it before BECAUSE THERE ARE SO MANY CHOICES!  We have more information so it is essential that we use this information wisely.

Here are a few ground rules that I am currently using that are working now.

1.    Don’t buy months out.

2.    Sit down with those who are traveling and have a general chat on days/possibilities/flexibilities that might be possible.  Right now, for instance, I am buying for Ecuador.  Gary and I will get a month’s calendar, list our IDEAL flight days and then see which ways we COULD be flexible.

3.    For the past year, it is cheaper (yes, cheaper) in most cases to fly from an outlying airport than direct.  I know a lot of people for instance who drive from let’s say Birmingham, Ala to Atlanta and then fly direct from Atlanta to everywhere.  Don’t do this.  CHECK YOUR POSSIBILITIES.

For example, Gary and I fly mainly from NC to Portland, NC to Quito, NC to London and NC to Copenhagen.  Well, we can fly from Charlotte, Greensboro (Triad) or from a nearby TRI Cities TN tiny airport.  I check out each of these easily and quickly to get a handle on the whole picture.  I don’t just assume that one is cheaper or more expensive, etc.

For instance for years, Charlotte has been very expensive to fly into our area than all the others, and suddenly last fall, it all shifted…now it’s the cheapest.  Well, it could be the aggressiveness of USAir after its near collapse that has caused them to price the lowest since it is their hub and therefore Delta, etc. have followed suit.

When flying from Florida, I look at Tampa (our favorite), Orlando, Miami, Ft. Lauderdale, etc.  Takes only a second and sometimes you can really find an el cheapo winner!

4.    Decide whether you are a frequent flyer who needs to accumulate miles or if you are just an occasional flyer.  We for instance are frequent flyers and use Atlanta as our hub to go to our common destinations…Portland, London, Quito, Copenhagen are our patterns.  Sometimes we fly from NC and sometimes from FL (according to the season)…but ALL of these flights are non-stop from Atlanta via Delta.  So, instead of looking at all airlines/all flights, I really just watch Delta.  We accumulate a lot of miles, use them for free tickets for our children and/or for upgrades.  My advice for frequent flyers is pick an airline and stick with it!  This gets the most bang for your buck…although sometimes I pay more for this, in the long run it works out well and suits us.

If you are lucky enough to be an infrequent flyer, then just look for the best deal!

5.    Frequent flyers can gain a lot from loyalty…although not everything as recently we found out on an emergency trip to Portland!  But usually, we can get what WE determine is important. (not that this might be your choice in the line of fire.)

What is important to us is not just the price but the Duration of the Flight…very, very important you might say!  I’ll pay a bit more to fly a total of 7 hours instead of a lot less to fly the same route with a totally of 11 hours or maybe 23 hours!

Another thing that is important to us is that we can upgrade.  We have logged so many miles and usually have to get off an airplane and go straight to work that over the years we have decided that if we can go first or business class (more or that later) we should.  We feel better if we are not cramped in and let’s face it (although we don’t drink alcohol and don’t eat on planes) there are some good perks.  Very important to us is that there is simply more oxygen up front than there is in the back…so we arrive in better shape than if we were tucked in on the last row.

Other things important to us is that we have a place where we can be quiet and not listen to a dozen cell phone conversations and 7 different TV stations.  We aren’t used to this type of confusion and noise and so we want to have the use of special rooms that airlines provide (Delta’s Crown Rooms) that allow quiet areas.  Often we travel with our service dog, and she too is allowed in these rooms.  We just rest and wait there.  IT DOES MAKE A DIFFERENCE.

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Merri even makes sure that we have seats so we see the sunset at night and sunrise in the morning.

But on the other hand, we don’t want to pay for this privilege which can cost big change.

How do we achieve this?  Well, each airline has its own gimmicks, but Delta allows a cardholder of AMEX Sky Miles Reserve (which can cost anywhere from $295 up) to have free access with his/her companions to all Sky Mile Crown rooms at no cost.  You can now have a simple Gold AMEX Sky Miles card (sometimes without a fee) that allows more or less the same privileges.  We find excellent light food (that is fresh) and peace and quiet there.  We also find their quiet desk of agents that will do just about anything to make life pleasant (changing flights/redoing tickets/finding lost luggage, etc.). They will even wake you if you fall asleep in your comfy chair.  That same card allows us to have a free Concierge booking service (that means they will REALLY try everything to help you) as well as double miles for most of our travel…and (and this is a big one) the right to Pay with Miles.

And what is Pay with Miles?  Well, let’s discuss that under Award Ticketing later in this series.

Merri

Click here for Part Two on Buying Tickets to Ecuador

Join an upcoming Ecuador seminar or North Carolina Super Spanish course.

ecuador-air tickets

There are many reasons to buy a ticket to Ecuador… like the wonderful people.  This is a dancer entertaining delegates at one of our recent Ecuador tours.

Learn About Ecuador & Speak Spanish in Three Days

Learn Spanish in Three Days ONLINE

The Learn Spanish in three day course is now available online.

Read below to see why we are offering our Super Spanish course online for the first time .

Speaking Spanish is a huge benefit on its own.  You can become one of the rare North Americans who can get along in Spanish speaking countries.  You can be one of the special people who can communicate with 10 million non-English speakers in the USA.  Spanish is the second most used language in the USA.  There are more Spanish speakers than speakers of Chinese, French, German, Italian, Hawaiian, and the Native American languages combined.  According to the Census Bureau, Spanish is the primary language of nearly 50 million people in the US.  This is the largest Spanish-speaking community outside of Mexico. Only half of these speakers also speak English “very well,” and 19% do not speak Spanish at all.

You can tap into all this potential when you speak Spanish.  Yet there are more benefits.

An article in England’s leading newspaper, the Telegraph, entitled “Why learn a foreign language? Benefits of bilingualism” (1) sum up the biggest benefit of learning a second language and increased intelligence.  The article says: “Learning a foreign language is more than just a boost to your CV or handy for traveling.  It will make you smarter, more decisive and even better at English.  Physiological studies have found that speaking two or more languages is a great asset to the cognitive process.  The brains of bilingual people operate differently than single language speakers, and these differences offer several mental benefits.”

The article then explains studies that show seven cognitive advantages gained from learning a foreign language.

#1:  You become smarter
#2:  You build multitasking skills
#3:  You stave off Alzheimer’s and dementia
#4:  Your memory improves
#5:  You become more perceptive
#6:  Your decision-making skills improve
#7:  You improve your English

Does it sound impossible to learn Spanish in three days?  Yes, it is impossible when you try to learn Spanish in the old, traditional way.

Though you may choose to take more time using this course to learn Spanish, thousands of our readers have learned at our Spanish courses.

There is a scientific method of learning… proven and described in numerous best selling books that create educational jumps by making education natural, easy and fun.   This course works because it is education without stress!

This method was created and refined by the Bulgarian educational master, Georgi Lozanov, who transformed the entire Soviet educational system to such a degree that this third world country beat the USA into space.

Merri was lucky to be one of a handful of students outside of Bulgaria who were allowed to be taught this system in the early 70s.  She practiced this unique and remarkable form of education for  four decades. It was a delight!

Merri and I began integrating these techniques with other shamanic and educational tactics we had gained in our global travels and then applied them to teach Spanish in three days.

The course has been proven again and again by the thousands who have used this system.  You can read a few of the many raves we have received from delegates who have learned from the Super Thinking Spanish course we created.

Here are a few quotes from delegates of the course.

One delegate from St. Louis wrote:  Hi Gary,  Just ended forty-five years in dentistry last week, and I’m on to a new career.  What is my new career?  Still formulating, but the eye -opening,mind expanding Super-Spanish course last weekend in St. Louis surely shows me the opportunity exists to expand my horizons.

Besides having a lot of nice people to learn our new language; the methods Merri and you developed proved to be just what you said they would be.  We all and I in particular relaxed our way to new learning.  I feel so very comfortable with the basis of my new language skills that I know I will be spitting out great Spanish sentences by the time I reach Ecuador in October.  Last year I spent six weeks in Ecuador and now I plan on conversing with the people.

Today’s excerpt of your newsletter really hit home. You do what you say you will. There are no surprises or hidden sales tricks. The only tricks are beneficial to our learning.  Thank you for a wonderful experience that I was quite unable to grasp how you would pull it off.  You did, however, and I look forward to other courses that you offer, and I have absolutely no doubt they also will work beneficially.  Best regards, Denis Molloy.

Another wrote about the Super Spanish course:   Buenos Dias, here is a testimonial for Super Thinking-Super Spanish.  Please feel free to use all or part in promotions for the course.  In addition, you may give my email address to any prospect “on the fence” about enrolling.  Yesterday, in Cotacachi, Ecuador, I finished Super Spanish.  I had high expectations for the course and they were exceeded.

After three days, I can speak Spanish in complete sentences. In simple conversations, such as buying groceries or ordering a meal, I can make myself understood. I think that’s incredible!

Although I am far from the competence level of a native speaker, I feel I’ve taken a giant step forward in learning Spanish so that I can experience the people and culture of Ecuador.  The foregoing benefits would have more than justified the time and money I invested in Super Spanish.  And learning some Spanish was not the most important benefit I got from the course.

Prior to leaving the USA, I had felt for some time that the pace of life there was unhealthy for me (and for most people) and I did nothing about it.

I’ve thought about the pace issue during the course.  One of the key elements Merri Scott designed into Super Spanish is placing the student in the optimal state for learning.  In class, the past three days, I’ve been re-introduced to guided journeys and introduced to the calming effects of Baroque music (www.sundaybaroque.org).  What a blessing! I’m inclined to make one or both a daily part of my life.   Rob Christi.  Cotacachi, Ecuador

Another attendee from a course wrote:   “I took this incredible class a few weeks ago, and I would like to tell anyone that is interested, that it is an amazing three days of learning with lots of laughs included. You leave everyday wanting to learn more and are so excited to do so.

“Other Spanish classes and tutoring made us feel like it would take forever to get to the point where we could put it into practice, but this method gave us a more fluent use for everyday life almost immediately AND the confidence to use it.  It is a fantastic way to show people how much they know and give confidence to learn and use Spanish creating a momentum.

“They made learning Spanish easy and fun in a very relaxed, comfortable atmosphere.  I would definitely recommend this course.  Even if you know some Spanish, this helps make it easier because of the less stress that no verb conjugations gives you.  This gives you more confidence in yourself to try and speak it more.

 “The stress free atmosphere and tons of interaction and participation were very conducive to learning.  The relaxation techniques alone are worth the price.  The fact that I can now feel more comfortable conversing in Spanish with my new friends and neighbors is priceless.  Muchas, muchas gracias.”

“I loved the relaxed environment.  I picked up quite a lot of new vocabulary.  I found this course very informative about how the language works, how I can make sentences and understand others better!  Muchas Gracias!  I had a call from Telcel (the local phone company) after our second class and I was able to speak and understand them for the first time. Despacio (meaning slowly) … a great word!  Everyone should take this course before they pick up bad habits.”

“I liked how simply the course was organized and the positive attitude about learning.  Thank you so much for helping me to learn Spanish!”

“I liked the laid back yet professional approach.  I highly recommend this new, relaxing method of learning Spanish,  I feel a lot more confident in the delivery of my words and sentences. It was taught in an excellent and very professional way.

“It was a very enjoyable class.”

How The Course Works

The first tactic is to use Baroque music in the learning process.  At least three best selling books, “Superlearning”, the “Mozart Effect” and “Superlearning 2000” have revealed insights about how to learn and think more powerfully based on systems drawn from the Bulgarian educational master, Dr. Georgi Lozanov.  Merri Scott was among just a few who learned directly from Lozanov.

The second tactic uses 17 unique lessons to provide Spanish fluency in a short time.   Let me prove to you how this tactic works by teaching you hundreds of Spanish words in less than 30 seconds.

Here is the proof.

“Most words in English that end in ION are almost identical, just pronounced differently.  For example action is accion, education-educacion, manipulation- manipulacion, etc.”

There you have it.  How long did it take you to read the sentence?  You now know hundreds of Spanish words that you will never forget.

See examples of the words you already know below.

How long would have taken you to memorize all those words?  How soon would you have forgotten them?

This is just one of seventeen Spanish lessons in the course.

The next lesson teaches how to pronounce each of the nouns.

Then, the third lesson teaches almost as many verbs, almost as quickly.

The fourth lesson shows how to avoid conjugating verbs by sticking with the infinitive (far easier than it sounds).  This simple lesson leaves a person sounding like a Spanish professor without ever conjugating a verb.

Lesson five shows how to sound infinitely polite and yet get almost anything desired in Spanish.

Lesson six gives valuable connectors and the seventh lesson triples the Spanish capacity with three words for “yesterday,” “now” and “tomorrow”.

By the end of three days you feel comfortable speaking Spanish.

Plus the system is Impro-Dynamic.  This means your Spanish keeps getting better even though you do not seem to be studying… practicing… or speaking Spanish.

I was amazed by this as I traveled back and forth from the USA to Ecuador.  The longer I was away from Ecuador… the better my Spanish became.  My second language was automatically improving The self improving feature comes because you learn to create Spanish sentences rather than remember them.  The portion of the brain that creates is more powerful than the portion that recalls.  When your mind creates something… it owns it!  You do not have to remember .

During the course you learn 4005 Spanish words that you already know .  

You then learn how to create Spanish sentences from these words.

Throughout the course you learn how to pronounce the sentences you create.

When the course ends… the mind keeps working… and creating… so next time you begin to speak Spanish you’ll be surprised .  You improve even though you have not actively worked on your lingual skill.

Due to the difficulty of getting groups together to learn this valuable technique, we are testing an online beta program for subscribers to use the Super Spanish course at home.   This is a beta test and is available only this week, June 5 to 11, at the highly reduced price of $79.

I’ll be in touch personally via email with each person who signs up for this course to see how it works or what is required to make it better.  Once this test is complete, we plan to offer the program on a larger scale and at a much higher price.

The course has our, full satisfaction or money back, guarantee.  Try Super Spanish for 60 days.  If not fully satisfied, simply let us know for a full refund.

Learn Spanish online $79

Here are more testimonials from previous Super Spanish Courses.

Maggie wrote: It didn’t really seem possible that we would be speaking and understanding Spanish in only 3 days but the course made it happen in a very supportive learning environment.  I would highly recommend this course for anyone wishing to learn “practical Spanish”.  The teaching methods, use of relaxation, the use of native Spanish speakers for pronunciation and the teachers themselves who were approachable and helpful and always positive made this a very valuable class.

This course improved my self confidence in my ability to learn and retain a language.  It was presented with genuine enthusiasm, great energy and the style of learning is very effective. Gracias!  It was a great experience.

Nadine wrote: “Just spent the last 3 days in the most wonderful learning environment learning Spanish.  What an amazing learning experience!!  First day out of class and I could not stop thinking in Spanish WOW!!  I am amazed by how much I learned, retained and how much more is showing up now that I am out of class.  And the best part is THERE WAS NO STUDYING!! Indeed this is Super Thinking!!!  I would highly recommend this to anyone that has ever had a desire to learn another language or learn anything in record time.

And a few days after that ….  As I went through my day, just hanging out with my son, I could see myself starting to think in Spanish.  At first I thought it was amusing but as it continued and increased I thought “My goodness this is really remarkable amazing” It was really an effortless unfolding.  I wasn’t at any point “trying” to think in Spanish, just words I knew would fly across the screen in my mind.  And then this afternoon, my son cuddled up on the couch to watch some cartoons on his ipad and was watching Peppa Pig in Spanish…hmm coincidence?  I think not, I’m radiating Spanish so much that my son is being influenced!  Thanks a million again.  This weekend the best learning experience of my life!!

If you have ever had a desire to learn Spanish this is the way to do it!  By the end of the first day I had more confidence and more practical ability than I had from any previous courses I had taken.  It was fun and relaxed and full of laughter.  You will leave this class excited to use what you have learned.  Rather than leaving overwhelmed with how much you have yet to learn and master, you are equipped with the knowledge and know how to go out and communicate as well as the excitement to do it!”

Gary noted:  “The whole approach is positive and conducive to learning at a level that benefits ALL participants.  It is not intimidating and does not set up a pass/fail atmosphere.  The presenters are terrific and the results unbelievable.  It was relaxed, informal, friendly and effective.”

Twila said:  “This class provided a very refreshing and relaxed way of learning.  The atmosphere felt very safe to say the words you were practicing.  I learned a lot in a way that will make it easy to apply.  Starting with conversation is way more fun.  How quickly you can learn!  It was a great group, great instructors and great stories.

The atmosphere in the classroom was so relaxed that learning Spanish felt like a breeze and not like a painful task.  The relaxation exercises are really conducive to language learning.  We learned A LOT in a short time and it was fun and the environment was non-threatening.”

Brigitte sent this:  “Buenos Dias, Suzanne. su clase de espanol es excelente! Muchas Gracias!  
I have already done what you suggested and went into the program listening to the music and going over the lessons.  I know: Repetition……reinforcement…..thinking in the new language….it’s all part of it.  I loved your course and will certainly recommend it to friends.  Who knows….I might feel the urge and have the opportunity to repeat it at your beautiful place in Puerto Aventuras…..Quien sabe? Hasta otro dia y saludos a su familia.”

Marie wrote:  “I would highly recommend this course.  The amount covered in 3 days is amazing!  All with no stress.  The correlation lessons and pronunciation practice has greatly reduced my anxiety to go out and use my Spanish.  I really enjoyed the whole process and thank you for the take away tools.”

Learn Spanish online $79

Gary

Here is the English translation of a few of the many Spanish words you now know and will never forget.  How long would it have taken you to memorize them?  How soon would you forget?

“Most words in English that end in ION are almost identical, just pronounced differently.  For example, action is accion, education-educacion, manipulation- manipulacion, etc.”

Some more of these words:  Combination, Attrition, Education, Vacation, Petition, Lotion, Motion, Construction, Abduction, Pronunciation, Concentration and a ton of others!

Learn Spanish online $79

(1) www.telegraph.co.uk Benefits-of-bilingualism.html

 

 

 

 

 

 

 

 

 

Got Miles?


Ecuador travel costs can really be low if you have got miles!

Merri and I both took our first international flight in 1968. Since then, we have both travelled more than a million miles and have learned a lot about getting the best air deals.

Merri is the grand master at finding low cost..comfortable deals. For example you’ll see below she recently brought our son from London England to Charlotte North Carolina  for $17.85…including tax…round trip!

Merri writes:

Got Miles?

By Merri Scott

ecuador-air-travel

In the past, buying airline tickets and trying to use miles for airline awards has been a tricky,  mind blowing, frustrating experience.

Today, I find it easy and sometimes even fun!

Gary and I crossed the Atlantic every three weeks year in and year out, and hosted seminars all over the US and the globe…so I’ve been at this business for more years than I care to remember!

Back in the 80s in London, we had a way out Greek travel agent…he once sold us a huge packet of tickets for a string of one day conferences all over the US…Gary loved the price!

But, when I looked at the schedule, well, every other day, we had to return to Detroit…it was LA back to Detroit, then San Francisco back to Detroit, Cincinnati back to Detroit, Chicago, back to Detroit…it was cheap, yes but so horrible that on the last segment as we returned one more time to Detroit, we burst out laughing.

From that day forward, I pay attention before I buy.

Each flight is important and I look at the total number of hours for a trip not just the price.

The Internet has revolutionized ticketing.  It is kind of fun on www.kayak.com because they instantly show the number of hours for the duration of each flight.  I look at this before I even look at the price. Very important.

But today, I was searching and researching.  I saw for  a friend a flight to Quito from an airport only 40 minutes away from her usual departure point and saved her $400.  You can do a lot of fiddling with the help of websites.

For instance, the calendar pops up on Kayak and lets you see which is the cheapest fare for which day…sometimes all of us can be flexible and when we can…well today for Atlanta to Quito it varied over $300 from day to day…very interesting, quick and easy to spot.

“But Miles, how about miles?” Gary asked.  “How easy are they to redeem in this market?”

Miles are far, far easier than in the past. It used to be a weary chore with a representative on the phone for hours asking “What about this date, what about that date, how does Thursday look instead of Friday?”  Today, it’s down right easy…and all spelled out on most sites with a calendar….you can spot the best deals quick and easy.

First of all, we don’t ever use miles for ourselves
.  We try to make our trips tax deductible events so we use our miles for our kids.  Also if miles are used for ourselves, it messes up our elite rank.  We’re not much for being elitists, but believe me our travel weary bodies dearly love to be upgraded, spread out, relaxed and able to breathe better in business or first class!

For instance, miles on Delta.  It is wonderfully simple…just hit the key on the search for reservations.  (Always if it is possible on your upcoming trip, check the flexibility box for dates…this can help in lowering the number of miles needed.)

I know an awful lot of people with a great accumulation of Delta miles…us included.  When good ol’ Pan Am went out, Gary and I had over 250,000 miles each.  We gnashed our teeth for a few weeks, only to be surprised that Delta sent a notice that they would gladly honor our miles.  Ah, we swooned and have been loyal for years.

One trouble with all these miles, often there is a black out date or some sort of restriction.

You can beat these problems with one simple step. Just do this, (if it is Delta miles) upgrade yourself (or use the card if you already have it) to a Gold and/or Platinum Delta Miles Amex card.  You’ll get a double bonus, earn a bunch of miles as well as get bonus miles for each segment PLUS (and this is a big one) have an automatic key on your delta.com account site. This key is PAY WITH MILES.

You are allowed to pay with miles, money and/or any combination.

Two weeks ago, I bought our darling grandson and his mother a last minute expensive ticket to a holiday event…$20 for the two of them.  How? Well, I signed on to Gary’s delta.com account.  (He’s a platinum and I’m only a gold!)  Those little precious 3 words “Pay With Miles” popped up.

I didn’t need permission on the phone, I could instantly and easily scroll down,  choose the number of miles and presto…$20 bucks.  “Quick, buy those tickets”, I thought.

Our son came from London for the month in August…and at the last minute…so I perused all the flights/deals and then went to Gary’s account…and those same 3 little words gave me a round trip ticket from London to Charlotte for $17.85…inlcuding tax!

If you use just award tickets, you might be surprised to see an awfully high surcharge as a tax…but these little “pay for miles” don’t have those huge add ons…plus no black outs…just scroll down, click, buy and you got it.

I like this a lot.

For Amercian Airlines, I don’t see any of these options, but I do see a clear cut easy way of judging the amount needed for an award ticket by the days of the month (outbound and return) clearly shown on the calendar.  You can see availability and the number of miles required.

I also like this a lot.

Click on the lowest mile day and just buy.

Got Miles?  Use them.  Head out of the winter weather for the Land of the Sun, Ecuador!

Merri

Got miles?  Use them to join Merri and me for a course or tour in Ecuador this winter.

Join us in Cotacachi.

Jan. 16-21 Ecuador Spanish Course

Jan. 22-23 Imbabura Real Estate Tour

Jan. 24-27 Coastal Real Estate Tour

Enjoy our chef ad we help at times) for great fresh Ecuador seafood!

Cotacachi-fish

Feb. 9-11 Beyond Logic

Feb. 13-15 International Business & Investing Made EZ

Feb. 16-17 Imbabura Real Estate Tour

Or join us on the coast.

Ecuador beach

See Ecuador’s incredible scenery.

Cotacachi-fish

March 8-9 Imbabura Real Estate Tour

March 10-15 Ecuador Export Expedition

March 16-19 Coastal Real Estate Tour

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

Here is our Ecuador tour schedule for the balance of 2009.

Date                    Course                      Couples Fee

May 21-26  Ecuador Spanish Course         ($999)
May 27-28  Imbabura Real Estate Tour      ($749)

June 12-15  Shamanic Mingo Tour             ($999)
June 16-17  Imbabura Real Estate Tour      ($749)
June 18-21  Coastal Real Estate Tour         ($749)

July 2-7       Ecuador Import Export Expedition ($1,499)
July 8-9       Imbabura Real Estate Tour     ($749)
July 10-13   Coastal Real Estate Tour        ($749)

Sept. 17-22  Ecuador Spanish Course        ($999)
Sept. 23-24  Imbabura Real Estate Tour     ($749)
Sept. 25-28  Coastal Real Estate Tour        ($749)

Oct. 21-26   Ecuador Import Export Expedition ($1,499)

Nov. 6-8       International Investing and Business Made EZ Ecuador ($999)
Nov. 9-10     Imbabura Real Estate Tour          ($749)
Nov. 11-14   Coastal Real Estate Tour            ($749)

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

Better still join us all year in Ecuador! See our entire schedule of 27 courses, tours, mingos and expeditions we’ll conduct in 2009 and how to attend as many of them as you like FREE.

The course fee includes meeting at Quito airport (day before the
course)…transportation (by group bus) to Cotacachi and back to Quito.
Course fee does not include air are. accommodations, food or individual transportation.

Cotacachi Travel Fares


We are very lucky that a current global airfare war has pushed Ecuador airfares down to ridiculous levels.  This makes it very inexpensive getting to our winter 2009 conferences and tours….plus gets all of us out of the winter doldrums!

Cotacachi travel fares can be reduced if you understand how to get to Quito and then how to travel to Cotacachi from Quito.

First airfares to Quito.  We often get requests about how to find the lowest air fares to Ecuador and Cotacachi from Africa, Canada,Europe, and the US.  See some incredible rates from all these destinations

We use www.Kayak.com to check fares and regularly find really low Ecuador air fares as you’ll see below.

For example, the round trip Ecuador airfare, Los Angeles to Quito Ecuador, is $480 including taxes. Lacsa is a Costa Rican airline and that Ecuador air fare is available today.  There are 40 flight Ecuador air fare combinations at that price right now.

Here are other US and Canadian fares form kayak.com.  All are round trip and include all taxes and coordinate with our January classes!

Toronto – Quito Ecuador – $660.  American Airlines

Vancouver BC – Quito Ecuador – $799.  Alaskan Air/Continental

Chicago – Quito Ecuador – $662.  United/Copa

New York – Quito Ecuador – $481. Lacsa

Houston – Quito Ecuador – $774. Lacsa

Dallas – Quito Ecuador – $670. Delta

Miami – Quito Ecuador – $496. LAN

Atlanta – Quito Ecuador – $653. American Airlines

One trick is to look for low fares to gateway airports such as Houston, New York, Atlanta and Miami…then look for a low fare from the gateway.  If you are looking for fares from Europe, Africa or UK, look for the cheap fares in the Sunday newspapers and then double check Kayak.

This does not always work though.  As we saw above, it is less expensive to fly to Quito via Dallas than Houston right now.

Sometimes the Ecuador air fare savings, especially from Africa and Europe can be enormous.

Take Johannesburg, South Africa to Quito as an example.  American Airlines offers the lowest direct fare of about $1800…however, if you take Egypt Air to London then you can save an extra $450 each.

If you know a cheap fare from Johan Airport to Amsterdam, Madrid, or London then go for that…and then continue on direct to Quito.  Fiddling around like this can save thousands!

Or get this one…go non stop on Egypt Air to Madrid…then Madrid AA to Quito. This approach brings the fare down to $925 per person round trip from Africa to Ecuador!  If you can find a cheap flight to Madrid from anywhere in Africa or Europe, then you may be able to save big time!

Keep in mind, there are always more than one way to skin a cat.  Think Creatively!!!

Check local European newpapers for air fare bargains to Madrid, Amsterdam and London from wherever you are.  Then check the fares from these three gateways to Quito.  Compile the fares and as above you can sometimes save in the above cases over  $1,500.

We are not travel agents of course, but we help Ecuador Living subscribers and our course and tour delegates find low cost air fares to Ecuador. We provide subscribers and delegates with an email code so we can sort their request amidst the hundreds of emails that arrive here each day.

As an Ecuador Living subscriber, you can also learn how to travel to Cotacachi from Quito at Cotacachi by Train, Plane and Automobile

And don’t forget we can arrange to meet your flight in Quito!

You can subscribe to Ecuador Living Service here.

Until next message, may every fare in your life be fair!

Gary

Join us at a course in Cotacachi or on Ecuador’s coast this winter.

Jan. 16-21 Ecuador Spanish Course

Jan. 22-23 Imbabura Real Estate Tour

See condos like this in Cotacachi for $46,500.

Ecuador-real-estate-advertising

Jan. 24-27 Coastal Real Estate Tour

See Manta condos like this one. Delegates are inspecting the 1,000+ square foot patio.

Manta-Condo

The patio has this view.

manta-condo tags

Feb. 9-11 Beyond Logic-Shamanic Mingo

Feb. 13-15 International Business & Investing Made EZ

Feb. 16-17 Imbabura Real Estate Tour

Here is a long shot of Cotacachi.

Cotacachi-condos

March 8-9 Imbabura Real Estate Tour

March 10-15 Ecuador Export Expedition

March 16-19 Coastal Real Estate Tour

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

Here is our Ecuador tour schedule for the balance of 2009.

Date                    Course                      Couples Fee

May 21-26  Ecuador Spanish Course         ($999)
May 27-28  Imbabura Real Estate Tour      ($749)

June 12-15  Shamanic Mingo Tour             ($999)
June 16-17  Imbabura Real Estate Tour      ($749)
June 18-21  Coastal Real Estate Tour         ($749)

July 2-7       Ecuador Import Export Expedition ($1,499)
July 8-9       Imbabura Real Estate Tour     ($749)
July 10-13   Coastal Real Estate Tour        ($749)

Sept. 17-22  Ecuador Spanish Course        ($999)
Sept. 23-24  Imbabura Real Estate Tour     ($749)
Sept. 25-28  Coastal Real Estate Tour        ($749)

Oct. 21-26   Ecuador Import Export Expedition ($1,499)

Nov. 6-8       International Investing and Business Made EZ Ecuador ($999)
Nov. 9-10     Imbabura Real Estate Tour          ($749)
Nov. 11-14   Coastal Real Estate Tour            ($749)

All Cotacachi Tours and Courses are condcuted at our colonial inn, meson de las Flores were we enjoy Breakfast “al fresco”.

Cotacachi hotel El Meson de las Flores

All Coastal tours are conducted on the beach from our coastal home at Hotel Palmazul.

manta real estate in Ecuador tags

You should normally plan to arrive in Quito two days before the course.  We will pick you up at the airport, help you to your hotel in Quito and bring the group to Cotacachi by coach.

For coastal tours we travel as a group from Quito to Manta by air, then tour the coast for two and a half days returning to Quito on the evening of the third day.

Here I am with Merri and Ma at Palmazul’s beach.

Ecuador real estate for sale

Here I am hiking with Ma above Cotacachi.

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

Cotacachi Cathedral at night.

Cotacachi hotel El Meson de las Flores

Shamanic ceremony on mingo tour.

2008-04-13 Ecuador shamans

Enjoying the surf at Palmazul.

Ecuador real estate for sale

Cotacachi plaza.

Cotacachi hotel El Meson de las Flores

Palmazul beach.

Ecuador real estate for sale

Merri, me and Ma above Cotacachi

Gary Scott

Sunset at Palmazul.

Ecuador real estate for sale

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

Better still join us all year in Ecuador! See our entire schedule of 26 courses, tours, mingos and expeditions we’ll conduct in 2009.

The course fee includes meeting at Quito airport (day before the course)…transportation (by group bus) to Cotacachi and back to Quito. Course fee does not include air are. accommodations, food or individual transportation.

Cotacachi Crime Concerns


Numerous readers have sent Cotacachi crime concerns which we share here.

You are a salesman.  A salesman will tell you anything.  You know it is dangerous to live down there. Gayle

I often get notes like this …usually from people who have never been to Ecuador.  Galyle has one point correct for sure.  I have been a salesmen going on 41 years and always considered it a privilege to sell things I truly love and live myself…like Cotacachi Ecuador.

Really the village does not need selling. Cotacachi sells itself. All I have to do is tell the truth…so I sometimes get comments like this.

I visited Cotacachi and your hotel Meson de las Flores. It was exactly as you described it. I felt safe the entire time I was there. Thank you!  Monica

We’ll review more comments on Cotacachi crime in a moment…but one thing that is not a crime in Cotacachi or Ecuador is the great quality and cost of food. I just returned from Oregon and spent some time on the coast. Dungeness crab was $28 a pound…smoked salmon $19 a pound.  That seems like a crime to me!

The wonderful lakes around Cotacachi means we have great fish.  This is Lake San Pablo.

Cotacachi-fish

Here is a high Andean lake above Cotacachi.

Cotacachi-fish

and the trout they catch there.

Cotacachi-fish

Back to crime…let’s read what some people who live in Ecuador say about crime.

Hello Gary, Here’s a New York Times article you may have seen about an Ecuadorian man who was beaten and stabbed to death in New York. He was basically killed for sport…a hate crime.

Personally, I’ve been a crime victim a few times in Ecuador. During my six years there, I lived and traveled among the general population in a large city. I used the public transit system, the local markets, the bus stations… In this situation, you’re bound to be unlucky sooner or later.

But even in the worst of areas, I never worried for my safety. All I lost was money–or replaceable items–and I never carried any more than was necessary. I didn’t (and still don’t) worry that I’ll be killed or beaten for fun, or because I’m the wrong color or nationality.

My personal experience has been that Ecuadorians are basically non-violent people. They steal out of need. What little I lost likely went to feed a family… Best regards,  Lee

I agree with Lee. When you talk to people who have lived in Cotacachi or most parts of Ecuador…they’ll agree…petty theft is a problem from which you must protect…but hate crimes basically do not exist and violent crimes are rare.  Another reader who was a visitor to Ecuador wrote this note.

Hey Gary, first time in Ecuador, flew down from Quito to Guayaquil, heard how dangerous it was everywhere, been walking the streets day and night.  I wear a $15,000 gold watch. Today, I rented car, drove to Montanita.  Tomorrow, I am driving north, along the beach coast, then back to Guayaquil for a few days then over to Peru.   I´m from Mobile.   We have several shootings, stabbings, hit and runs a week, along with other crime. The bottom line is that most crime comes from just being at the wrong place at the wrong time. One of my next trips is Caracas, murder capital of the world…and yes, I am alone and over 60.  I will be in the Dominican Republic for Christmas and New Years, surfing with my kids. Bobby.   The only thing I suggest is it is better to burn out, than rust out.

I urge more caution than Bobby takes but could not agree more with his philosophy of enjoying life and embracing the incredible riches we have in today’s society instead of wasting away worrying about what bad could happen. Life is too short!

Back to fish. Merri and I love to accompany our chef, Santiago, to the Thursday fish market in Ibarra. I can buy about 20 pounds of crab for the same price as one pound in Oregon and it is really fresh!  One of our favorite jobs is helping the chef!

Cotacachi-fish

We also love watching the fishermen at work when we are on Ecuador’s sea.  Here is our last Coastal real estate tour watching the fishing on the Chone Estuary at Bahia.

Bahia-fishermen

There is a big modern town behind these Ecuador fishermen…

Bahia-fishermen

but they are pretty low tech!

Bahia-fishermen

Just canoes and poles…no gas surcharge here.

Bahia-fishermen

The fishermen who fish outside our hotel in San Clemente are even more low tech…no boat!

San Clemente-fishermen

We took our last group for a sea food meal in Manta.

Manta-fish-meal

Where this most expensive dish on the menu…a full lobster meal was $12.

Manta-fish-meal

My grilled fish was $6. That was no crime!

Which brings us back to Cotacachi crime. 

This reader who lives regularly in Cotacachi wrote:

Gary,  As you now I have traveled to Ecuador and the Cotacachi area many times over the last several years; nine times I think. I have always felt safe even during the evening walking about Cotacachi and have never felt threatened there or in Quito or the coastal areas. I always try to be aware of my surroundings and the level of cautions I may consider appropriate as I would anywhere in the world I am traveling, for example, in Quito I usually put my wallet in my front pocket. However, reading the accounts of crime in the area lately, and I appreciate your alert, I felt a little concerned as a North American. In the interest of thoroughness on this topic my alarm is that the message is we are being targeted. This may be obvious. As anywhere the perceived affluent are vulnerable. In this culture we stand out and In this sense we present opportunity and perhaps in the perpetrators mind fair game. I would only say that a common sense realistic awareness of taking precautions in unfamiliar areas in an unfamiliar culture is important. I think that you and Merri provide a real service with up to date information for safe travel and areas to live and lodge in Ecuador. Your tours also provide an excellent environment for safe guided travel.

Since I have had so little trouble with any sort of crime in Ecuador what I tend to recall are the simple unexpected kindnesses which I have encountered.  One time while  shopping at the Otavalo indigenous market unknowingly I dropped a small package only to turn around to see a little indigenous child running up to me tugging at my sleeve with a smile and handing it to me. Another time at the bank in Cotacachi I was  trying to cash a $100 bill – can be difficult as many know due to the fear of counterfeiting from Columbia. There at the bank after waiting in line for an hour only to be refused change due to that I did not have an account or permanent address they said; I left in exasperation. Unknown to me a young woman was observing  and having empathy for my plight had withdrawn an extra 5 twenty dollar bills from her account and rushing down the street to find me offered them to me in exchange for the 100 dollar bill. “De Nada” she said.

These are a few of the experiences of innocent kindness in Ecuador and of the Ecuadorian people that I choose to remember over my fears of crime. Thanks for keeping us aware and informed in our travels and adjustment to new and unfamiliar areas and culture.  Jim

Here is another note from a gringo who is resident in Ecuador.

Gary, I would like to add the following on crime in general in Ecuador. I have spent the past 9 years living in the Mariscal neighborhood of Quito, 6 months each year.  Many consider this a likely neighborhood to encounter crime in Ecuador since there is much tourism, thus many opportunities to rob people who actually have money or valuables on them.  I walk the streets until about 10 PM.

Ecuadorians are gentle peoples: They are not Cali, Caracas or Miami.  The indigenous peoples who inhabit the provinces north of Quito are among the most stable, economically affluent, and culturally integral of any class of people in Ecuador.  Crime is minimal as it is in most small towns in the USA.

Crime in Ecuador tends to be petty thievery, taking a backpack or purse from a cafe, stealing “things” which are left in the open unguarded.  Ecuadorians are not  a “gun culture” as exists in the United States.  It is beyond their imagination that a person would rob and kill another for a pair of tennis shoes.  It is further beyond their imagination that a young person would mass kill his classmates at school, and that the state would continue to allow unlimited access to hand guns and semi automatic weapons.The crime of Ecuador is based more on poverty, although there exists a cultural flaw in many people committing petty theft even when they do not need an item. These events are rarely associated with violence to people.

I’m a street smart kid (63) who grew up in Chicago’s south side and I know that Miami, Los Angeles, New York, Chicago, Washington DC, New Orleans, and just about every major and “medium size ” US city is far more dangerous that most any city or neighborhood of the largest cities of Ecuador.  Only 2 cities of Ecuador have any significant crime, Guayaquil and Quito, and then only selective neighborhoods.   Almost all the people I know who have been robbed (6 or 7) in Quito have been men walking home drunk late at night oblivious to using their normal street senses.

Gary, if you do a follow up, feel free to include my comments.

I agree that the Mariscal neighborhood of Quito is one of the riskier areas due to tourism…and that it is not the nature of Ecuadorians to be violent.  We love the people here…the great scenery…the wonderful food…the low prices…the colors like these ice cream vendors in Bahia serving our last coastal real estate tour.

Bahia-Ecuador-workers

Plus we love the warm weather.

This is the final point. I was in a West Jefferson barber shop today and read the local paper.  This is as small town USA as you can get. Nine people were on the front page…all arrested for dealing drugs…cocaine…heroine…meths.  Then Merri saw a real live mountain lion run across our field. Then we visited our neighbor who showed us photos of five bears roaming the neighborhood.  I feel totally safe here and would not hesitate for a moment to invite people to come up (just watch the ice on the road).

So I can live in complete safety here…even though there is crime…in this.

snow

Or go to Cotacachi and San Clemente where the crime may be about the same…more or less…but in this.

Ecuador beach

and this

cotacachi-sun

at about a fourth or fifth the price.

So here is the salesman speaking. “Visit us in Ecuador. You will be glad you did!”

Here is a comment from a delegate at our last course:

Hi Merri:  I just wanted to drop you a note and let you know how much myself and all of our “extended family” enjoyed the course that you, Gary, and all of your competent staff put on earlier this month.  I am really just getting my feet back on the ground and I think that we are finally there.

Gary was awesome as we expected and gave me as really a beginning investor many insights and new ideas to think about.  I am speaking for myself, Charles, Jose as well as Rebecca and Betty who joined us after the Galapagos Islands.  You showed me that you are an expert planner and really went  out of your way to accommodate  us especially when we had people coming in at different times.

Francisco stood out as well.  Of course, “our man” Steve the excellent tour guide and all around helpful person.  Last and not least was Ray who also handled so much on the fly and did it well.
Ray really helped with the leaving process.  Also I will keep in touch with him about the possible medical conference I may put on at La Mirage 2010 in August if it comes together…..lots of work and much to work on to make it happen.  We really enjoyed your hotel and the hospitality.  It was  memorable. Thanks so much and we hope to keep in touch and continue with Gary’s newsletters!  Merry Christmas and Happy Holidays.
Sincerely, Jim

Merri and I hope to serve you in Ecuador this sunny winter.

Gary

Jan. 16-21 Ecuador Spanish Course

Jan. 22-23 Imbabura Real Estate Tour

Jan. 24-27 Coastal Real Estate Tour

Feb. 9-11 Beyond Logic-Shamanic Mingo

Feb. 13-15 International Business & Investing Made EZ

Feb. 16-17 Imbabura Real Estate Tour

March 8-9 Imbabura Real Estate Tour

March 10-15 Ecuador Export Expedition

March 16-19 Coastal Real Estate Tour

Better still join us all year in Ecuador! See our entire schedule of 26 courses, tours, mingos and expeditions we’ll conduct in 2009.

The course fee includes meeting at Quito airport (day before the course)…transportation (by group bus) to Cotacachi and back to Quito. Course fee does not include air are. accommodations, food or individual transportation.