Tag Archive | "condos"

Remarkable Quito Condo for Sale


See details on this condo in Quito Ecuador for sale.  Remarkable Quito location and outstanding view.  Remarkable price for a Quito condo.

quito condo for sale

Click on image of view from this Quito condo to enlarge.

For price of this Quito condo for sale, full details and pictures click here.  QUITO CONDO

Gary

New Salinas Beach View Project


Here is information sent to us by Amy Pinoargote about a New Salinas Ecuador coastal project.

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Satellite image Salinas

Gary, We have a good project that just came on the market in Salinas, the Costa de Oro section, where Gerardo and I were partners in Spondylus 2 a few years ago.  We still live in that complex and since we built the project, several other 6 to 8 story buildings have gone up, several luxury (by Ecuadorian standards) single family homes have gone up and a townhouse complex just off beach is well under construction.  It is looking like the fastest developing area in Salinas.

Some of the key reasons for this growth are that the area is residential, so it does not have the noise level that the Malecón does.  The project is located about 1/2 a mile from the mall, about 1 mile from the Supermaxi plaza, about 1 mile from La Libertad and a few miles from the Salinas Malecón, so it is still convenient to everything, even if one does not have a car.

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Satellite image of project start

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My brother-in-law just broke ground on a 50,000 square foot (5000m2) plot, which has the front tip of the property fronting the beach.   The vast majority of the land in the plot is not beachfront, but the lot does have frontage and a direct access point to the beach.  A few of the units will have ocean views.  The project is just a few lots down the beach from where I live.  We are not partners this time around; we are handling the sales and marketing.  The project is called Spondylus Costa de Oro and will have 8 buildings, with 6 units per building.  Each building will have ground level parking under roof, and then on floors 1, 2 and 3, two condos per floor.

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Start of project.

Several units have been reserved.  Right now the pricing is $105,000 per unit, buyer takes their pick of any available unit at that price.

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The price applies to Ecuadorian and foreign buyers alike.  There is a standard payment plan for cash buyers.  For Ecuadorian buyers the developer will accept financing with several different banks, but mortgages are pretty much available only to Ecuadorians.

From what we are seeing, the greater Salinas area is getting virtually impossible to find anything with direct beach access or within a block or two of the beach for around $100,000 so this is a well priced project.

Amy Pinoargote

To get plans, pricing, renderings and locations email me at gpinoargote@yahoo.com

We DO NOT investigate properties when they are advertised so be sure to complete your due diligence. Always use an independent Ecuador attorney who represents you (not the seller) when you buy real estate in Ecuador. We also recommend that you rent, become familiar with Ecuador before you buy.

 

Manta Coastal Condo for Sale


Here is an advertisement for a Manta condo for sale.

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Front view of NEREA building in with ocean view Manta, Ecuador.

(click on photos to enlarge)

GREAT OPPORTUNITY IN MANTA, ECUADOR

New 1Bedroom / 1 Bathroom Condo. “NEREA” is voted best new building in Manta: location, quality of design and construction.

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Front view with unit on 3rd floor.

This 3rd floor unit is 2 blocks away from the Pacific Ocean- watch the beautiful sunset from your balcony!

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Kitchen with built in hood, gas stove, and oven. Beautiful cabinets and tiles.

Unit comes with a beautiful kitchen with built in hood, gas stove and oven. There are 2A/C units (12000 BTU- Electrolux): one in the Bedroom, other in living room.

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Kitchen bar. Doors to bathroom and bedroom.

Bedroom contains two beautiful large wooden closets.

Bathroom has shower sliding doors and beautiful sink.

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Bathroom

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Living room with balcony.

Ceramic tiles line the bathroom walls, kitchen, as well as throughout the unit. Stunning light fixtures included. Electric water heater is provided as well as underground parking and separate storage room.

Included also is a shared washing machine and dryer for 1 BR unit owners only.

Security guard on site 24 hours for your protection. Relax in the beautiful outside pool area or venture to the boardwalk (“Malecon”) and downtown Manta. Low HOA fees!

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Swimming pool with whirlpool and sauna.

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NEREA building lobby.

Total square footage including parking and storage :86.43 m2 (930 Sq ft. ).

This makes a great rental opportunity as the unit will be sold only with a registered Manta realty company.

Asking price $79 K, including company. Payment can be arranged to US bank.

Act quickly, this one won’t last long!!

Please contact Peter Luebbert for more information: pluebbert@gmail.com

We DO NOT investigate properties when they are advertised so be sure to complete your due diligence.  Always use an independent Ecuador attorney who represents you (not the seller) when you buy real estate in Ecuador. We also recommend that you rent, become familiar with Ecuador before you buy.

christmas roses

One day left to order Ecuador Thanksgiving roses

Learn about Ecuador beach real estate and small Ecuador farms for income on an Ecuador farm and real estate tour.

Gary

Ecuador Agricultural Real Estate Tour

For current Ecuador Agricultural Real Estate information send me a note at gary@garyascott.com

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Ecuador coffee farm entrance.

The original owner spent two years searching for the perfect location to duplicate the exact terrain, altitude and growing conditions of the most successful coffee farms of Boquete, Panama and Columbia.

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Terrain and coffee plants.

After walking with an altimeter in hand and talking to reclusive indigenous farmers, this region was discovered with all the perfect conditions to cultivate exceptional Arabica coffee trees.

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Owners house with roof terrace.

This is a micro climate, blessed with abundant rainfall, in clean mountain air, bounded by a clear trout filled year around rushing river, protected from extremes of wind and large temperature fluctuations,  perfect for growing coffee.

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Open drying patio.

It has 11 hectares planted (manageable for a single owner), with approximately 50,000 Arabica, varietal Caturra (self pollinating) coffee trees which  are perfectly distributed over a hillside interspersed with a variety of fruit trees for shade.

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Oranges grown to protect coffee trees.

No problem selling this crop for top dollar due to its proven high quality.  The coffee sales last year grossed $70,000 so after $25,000 expenses, $45,000 was the net income.

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Coffee beans.

As well, an experimental 1 hectare of Geisha varietal.  Geisha is considered to be one of the finest coffees in the world and garnered the highest auction record in coffee history, fetching $170 per pound in 2010.  The first harvest of this varietal is expected in about 2 years.

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Coffee plants grown in greenhouse on farm.

This Andean  location provides an ideal environment for coffee growing without damaging the unique habitat of many species of birds.   Arabica coffee trees are a major source of oxygen production.  Each hectare produces 86 pounds of oxygen per day which is 50% of rain forest habitat.  Ecuador is a biologically diverse country with an abundance of birds, amphibians, reptiles and butterflies.  Inca Mountain Coffee Farm is ecologically in harmony with its environment.

The Arabica coffee trees are 6 years old, providing remarkable yields, allowing for continuous flowering and two annual harvests (major harvest Feb-Jun and minor harvest Oct-Nov).

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Covered drying patio.

In the yearly Golden Cup competition, coffee from this farm was a finalist in 2011.

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Seasonal worker harvesting coffee.

Owner’s house – 900 sq/ft, 2 bed, 1 bath, with lots of marble, built in cabinets in both bedrooms and upper roof porch

Caretaker’s house – divided into multiple rooms with bathroom

Land line phone installed and operational

110 and 220 volt electric lines

Equipment:  2 coffee bean pulpers with 2 water tanks, 2 weed whackers, misc. tools, scale for weighing coffee bags

1 large uncovered drying patio and 1 covered drying patio

2 full time highly experienced workers – monthly payroll is $650 (plus more during harvest for seasonal workers)

Average yearly expenses:  $25,000 (all payroll, fertilizer, harvesting expenses, utilities, taxes)

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This clean mountain river that runs year around with trout.  Also, access to mountain water for farm irrigation, though it is rarely needed.

Farm is fenced along road.

You can set the date for your own tour.

The Ecuador farm tour fee is $799 for single or  $999 couple.

Case Study #3:   This third case study shows an American who has created a   large Ecuador agri operation. This is the farming operation set up by Young Living Essential oils.

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After creating a marketing system for the oils and farming in the USA, Gary and his wife…

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moved to Ecuador… began a large farming operation as well as…

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there own processing and a health spa.

Ecuador is a perfect place for many types of agriculture… large and small.  Find your farm in the safe and efficient way on an Ecuador Agricultural Tour.

For efficiency and logistics this tour is strictly limited to 15 people… 4 persons per four wheel drive vehicle.

You can set the date for your own tour.

The Ecuador farm tour fee is $799 for single or  $999 couple.

 

Florida Waterfront Condos


For more details contact Anne Busse Gandt at anne@cc-properties.com

Here are excerpts from a slide show about this development showing one of the six models starting at $200,000.

Click on photos to enlarge

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Florida condo

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For more details contact Anne Busse Gandt at anne@cc-properties.com

Manta Ecuador Good Value Condo


Here is a Manta Ecuador Good Value Condo.

Owning real estate abroad is one way to diversify for safety and  to preserve purchasing power.

manta-condo

Ecuador real estate is in the second phase of a growth curve.   When Merri and I arrived over 15 years ago and began researching and buying real estate the prices were so low and value so high it was almost unbelievable.  We saw fully developed beach lots for $2,500…  12 acres on the beach for $18,000… coastal condos for under $20,000.  We bought wonderful land at below $100 an acre… then.

In this second phase, prices have risen but there are still bargains of extreme value like this condo in Manta.

manta-condo

This is a spacious apartment with a large terrace overlooking  Manta.  This unit is 30 meters ( 33 yards) from Playa Murcielago in the best part of section Umiña.   This is a  jewel with 4 bedrooms and 4 baths, (1 with Jacuzzi).  One of the bedrooms even has a private porch on the side.

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There is a separate laundry room.

The total living area is 280 m2 (appx. 3,000 square feet) plus a two car garage and storage, with a total over 300 m2.

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There are two  entrances to the apartment.

Most rooms have A/C.

The condo has five apartments total. The entrance has electric gates and 24 hour live security plus the apartment is very well maintained.

The asking price of  $175,000  works out at $ 580 per m2 or less than $55 per square foot.

For more details contact Jean Marie Butterlin at jean@ateamecuador.com

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ecuador-lilies

This is the last day to order Ecuador Lilies for Easter.

Learn about Agricultural real estate tours on the coast.

We DO NOT investigate properties when they are advertised so be sure to complete your due diligence and always use an independent Ecuador attorney who represents you (not the seller) when you buy real estate in Ecuador. We also recommend that you rent before you buy and become familiar with Ecuador.

Learn more about Ecuador real estate.

2017 Schedule

Who Gets the 36 Cents?

 

I wonder.   Who does the government owe 36 cents?

According to Treasurydirect.com, as of October 31, 2017 the cost of interest on  the total US public debt of $20,467,375,664,755.32 (20 trillion+) was $24,411,569,716.36 (24 billion+).

The 36 cents isn’t much of a problem.  The other 20 trillion is.

This is good news and bad… the rock and the hard spot.  The bad news is that the rock (US federal debt) is getting bigger….harder to miss.  The Congressional Budget Office (CBO) projected in 2010 (the debt then was a bit over 14 trillion) that, under law at that time, debt held by the public would exceed $16 trillion by 2020, reaching nearly 70 percent of GDP.

They sure goofed on that.  Here we are… not quite into 2018 and debt has shot past 20 trillion.

How could the CBO be so wrong? 

The CBO screwed up because they could never imagine that the Fed would push interest rates so low… and keep them there.  The interest rates are so low that the government can borrow and borrow and still afford the interest.

For example, US Federal government interest this year will amount to around $483 billion on the 20 trillion of debt.  Yet in 2008 on debt of only $9,229,172,659,218.31 (9 trillion +) the interest that year was $451,154,049,950.63 (451 billion +).

Interest payments in 2017 are 7% higher than they were in 2008.  Yet the debt is over 100% higher.  

Very low interest rates have helped the government borrow.  Low interest has also helped the US stocks reach all time high prices.

Here is the very hard spot.  The downside is that low interest has reduced earnings of investors.  Low interest has ruined the lifestyles of many who have retired.

Here is what happened and why the problem may exist for quite a bit longer.

If investors can increase the interest rate to 6% from the lousy 1% (or so) they earn now, they gain 1,263% more over 30 years.  Anyone living off interest, who is drawing down their portfolio over 20 years, makes 57% more annual income every year.

But if investors get 6% interest instead of 1%, the government has to also pay more on it debt.

The government will resist raising rates because it will ruin their budget, cause a collapse of the stock markets and destroy the US dollar.  

Rising interest rates, that we would like to see as investors, will create an almost unimaginable debt crisis.  If government interest goes to 6% it is like the $20+ trillion national debt  rising to 100 trillion!  Unless there are some huge tax increases, a 5% increase in interest rates would increase the national debt by five times.

A tax increase?  The current tax act being proposed reduces, not increases, revenue.

This is not a theoretical problem for the future. This is not something that our children and grandchildren will have to deal with.  This is a problem in the here and now.

Interest rates create a massive problem on two sides of the same coin.  Raise rates the massive national debts ruins the purchasing power of currencies.  Keep interest rates low and capitalism does not work for investors.  Politicians simply borrow more (on our behalf) but for their benefit.

Learn how to have more freedom and time, less stress, better health care, extra income, greater safety and profit in your savings despite America’s deficits, debt and currency risk.

Fortunately there are secrets that will allow a few to live much better, free of debt and worry despite the decline in the dollar’s purchasing power.   My wife, Merri and I, have traveled, lived, worked and invested around the world for nearly 50 years to gain this information.

Let me share the basics of this data and how we can be of help through 2018.

The first fact behind this secret is that things are really good in the western world.  Despite many problems, we are surrounded by more abundance and greater opportunity than almost anyone has ever enjoyed, anywhere, ever.   To enjoy a fair share of this wealth, all we have to do is understand human nature and learn how to invest in the new economy, as it changes and becomes new, again and again.

Merri and I have made seven huge transitions in the 50 years.  Each has allowed us to always stay ahead of losses that the majority of Americans suffer.  We are in another transition right now and want to share why and what to do so you can stay ahead and live a richer, independent life through 2018 and beyond.

A falling US dollar is one of the greatest risks we have to our independence, safety, health, and wealth, but also brings a window of huge profit as I explain below.   Though the greenback has been strong for a number of years, its strength is in serious jeopardy.  The growing federal deficits increase the national debt and this with rising interest rates propels a growing debt service.

When the Dow Jones Industrial Average recently passed 20,000, another milestone of “20” took place that has a much darker meaning to your and my spending power.  The U.S. national debt passed the $20 trillion mark.

The problem is that the Dow will come back down.  National debt will not fall.

The double shock of money fleeing Wall Street and US debt skyrocketing, will destroy the purchasing power of the greenback.

Go to the store even now.  Statistics say inflation is low, but buy some bread or, heaven forbid, some fresh vegetables like peppers or fruit.   Look at the cost of your prescription or hospital bills.  Do something simple like have your car serviced at an auto dealer.  Look at the dollars you spend and you’ll see what I mean.

The loss of the dollar’s purchasing power erodes our independence, our freedom and our savings and wealth as well. 

At the same time, low interest rates by big banks and higher health care costs soak up the ever diminishing income and savings we have left.  According to a Gallup poll, the most unpopular three institutions in America are big corporations & Wall Street banks, HMOs and Congress.

Yet there is little we can do because these institutions are in control.

Over the last 50 years the average income for 90 percent of the American population fell.  Our health system is restricted by a Kafka-esque maze of legislation and insurance regulations that delay, frustrate, and thwart attempts by patients and doctors from proper medical care.  Big banks and corporations restrict our freedom of choice.  The business customer relationships are no longer transactions between free equals.

Banks can trap us in indebtedness at every age from student loans to mortgages to health care costs.  They pay almost nothing on our savings.  They hide unexpected fees and payments in complex and unreadable documents.  Banks and big corporations routinely conceal vital information in small print and then cheat.  Weak regulations and lax enforcement leave consumers with few ways to fight back.  Many of these businesses ranging from cable TV to phone and internet service to health insurance have virtual monopolies that along with deceptive marketing destroys any form of free market.

These same companies control the credit-scoring agencies so if  we don’t pay unfair fees, our credit scores will plunge and we could lose the ability to borrow money, rent an apartment, even to get a job.  Many consumers are forced to accept “arbitration clauses” in lieu of  legal rights.  The alternative is to lose banking, power, and communication services.

Big business has also usurped our privacy.  Internet companies sell our personal data.  Personal information is pulled from WiFi and iPhones track and store our movements.  The government can access this information, sometimes without subpoenas.  There’s a lot that we don’t know, often withheld under the guise of “National Security.”

The glow on Western democratic capitalism has dimmed… or so it seems.  The US, leading the way, is still a superpower with economic, innovation and military might, but the institutions that should serve the people have become flawed or broken.

America’s infrastructure is in shambles.  The nation’s bridges are crumbling, many water systems are filled with toxins, yet instead of spending more to fix this, we build more prisons.  The 2.2 million people currently in  jail is a 500 percent increase over the past thirty years.  60% of the inmates belong to ethnic groups.  Not just non-white ethnic groups are suffering.  Annual death rates are falling for every group except for middle-aged white Americans.  Death rates are rising among this group driven by an epidemic of suicides and afflictions stemming from substance abuse, alcoholic liver disease and overdoses of heroin and prescription opioids.

America’s middle class is shrinking.  Nearly  half of America’s income goes to upper-income households now.  In 1970 only 29 percent went to this group.  How can we regain our freedom, our happiness and our well being in such a world?

What can we do?

Gain a better, freer life is to combine better health, higher income and greater savings for a happier, more resilient lifestyle. 

Merri and I will celebrate our 50th year of global living, working, investing and researching to find and share ideas on how to have simpler, low stress, healthier, more affluent lifestyles.  Our courses, reports and email messages look at ways to gain:

#1:  Global micro business income.

#2:  Low cost, natural health.

#3:  Safer, more profitable, investments that take little time or cost to buy and hold… so you can focus on earning more instead

Many readers use our services for just one of these three benefits.  They focus only on health or on earning more or on better, easier investing.

27 years ago Merri and I created the International Club as a way for readers to join us and be immersed in all three of these benefits.   The International Club is a year long learning program aimed at helping members earn worry free income, have better affordable good health and gain extra safety and profits with value investments.

Join us for all of 2018 NOW.

The three disciplines, earning, health and investing, work best when coordinated together.  Regretfully the attacks on our freedom are realities of life.  There is little we can do to change this big picture.  However we can change how we care for our health, how we earn and how we save so that we are among the few who live better despite the dollar’s fall.

We start with better lower cost health care.

Club membership begins by sharing ways to be free of the “Secret Hospital Charge Master”.   Just as governments hide truth behind “National Security”, big health care businesses hide medical truths behind “Charge masters”.  Most hospital charge masters are secret because big business does not want us to know how much hospital costs have risen.  Motivations beyond our good health, like corporate greed, want to keep us in the dark about health care cost.

Despite rising health care costs, a report from the Centers for Disease Control & Prevention shows that hospitals are the last place we want to be for good health.  One report shows that hospital-acquired infections alone kills 57% more Americans every year than all car accidents and falls put together.

Often, what patients catch in the hospital can be worse than what sent them there.  Governments and health care agencies agree  – antibiotic resistance is a “nightmare.”  An antibiotic-resistant bacteria may be spreading in more hospitals than patients know.  About one in every 25 hospitalized patients gets an infection and a 2013 report from the Journal of Patient Safety showed that medical errors are the third-leading cause of death in the country.

Along with the risk of hospital acquired illness and medical errors, the second huge threat to our well being… is health care costs, especially at hospitals.  This is why charge masters are so often secret.  There are few risks to our wealth that are greater than a hospital stay.

I have created three natural health reports are about:

#1: Nutrition

#2: Purification

#3: Exercise

Each report is available for $19.95.  However you’ll receive this free as club member and save $59.85.

Club members also receive seven workshops and courses on how earn everywhere with at home micro businesses.  We call this 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”
  • “Self Fulfilled – How to Write to Sell”
  • 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”
  • The course “Event-Full – How to Earn Conducting Seminars and Tours”

This program is offered at $299, but is available to you as a club member free.  You save $299 more.

Next, club members participate in an intensive program called the Purposeful investing Course (Pi).  The purpose of Pi is finding value investments that increase safety and profit.  Learn Slow, Worry Free, Good Value Investing.

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

There are seven layers of tactics in the Pi strategy.

Pi Tactic #1: Determine purpose and good value.

Pi Tactic #2: Diversify 70% to 80% of portfolio equally in good value developed markets.

Pi Tactic #3: Invest 20% to 30% equally in good value emerging markets.

Pi Tactic  #4:  Use trending algorithms to buy sell or hold these markets.

Pi Tactic  #5:  Add spice speculating with ideal conditions.

Pi Tactic  #6: Add spice speculating with leverage.

Pi Tactic  #7:  Add spice speculating with forex potential.

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 the next year 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.

The Pi subscription is normally $299 per annum but as a club member you receive Pi at no charge and save an additional $299.

Profit from the US dollar’s fall.

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!

Club members receive a report about opportunity in 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 become a club member you receive the report, “Three Currency Patterns For 50% Profits or More” FREE.

Plus get the $39.99 report, “The Silver Dip 2017” 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.

The report “Silver Dip 2017” sells for $39.95 but club members receive it free as well.

The $39.95 new “Live Anywhere – Earn Everywhere Report” is also free.

There is an incredible new economy that’s opening for those who know what to do.  There are great new opportunities and many of them offer enormous income potential but also work well in disaster scenarios.

There are are specific places where you can reduce your living expenses and easily increase your income.  Scientific research has shown that being in such places actually make you smarter and healthier.  Top this off with the fact that they provide tax benefits as well and you have to ask, “Where are these places?”.

Learn about these specific places.  More important learn what makes them special.  Discover seven freedom producing steps that you can use to find other similar places of opportunity.

The report includes a tax and career plan broken into four age groups, before you finish school, from age 25 to 50 – age 50-to 65 and what to do when you reach the age where tradition wants you to re-tire.  (Another clue-you do not need to retire and probably should not!)

The report is very specific because it describes what Merri and I, our children and even my sister and thousands of our readers have done and are doing, right now.

Live Anywhere – Earn Everywhere focuses on a system that takes advantage of living in Smalltown USA, but earning locally and globally.

This report is available online for $39.99 but International Club members receive it free.

Save $418.78… “plus more” when you become a club member.

Join the International Club and receive:

#1: The $299 Personal investing Course (Pi).   Free.

#2: The $299 “Live Well and Free Anywhere Program”. Free.

#3: The $29.95 report “Three Currency Patterns For 50% Profits or More”. Free.

#4: The $39.99 report “Silver Dip 2017”. Free

#5: The three $19.99 reports “Shamanic Natural Health”.  All three free.

#6: The $39.99 “Live Anywhere – Earn Everywhere” report. Free.

#7: A subscription to the Purposeful investing course… Plus more.

These reports, courses and programs would cost $767.78 so the 2018 membership saves $418.78, “plus more”.

What’s the “plus more”?

Join the International Club for $349 and receive all the above online now, plus any online reports, online course updates or online programs we create throughout 2017 all at no additional fee. The club membership entitled you to everything.

The International Club membership is $499, but we want to encourage our first 100 members for 2018 to join quickly so we are currently accepting discounted membership at $349. 

Join the International Club for $349 and receive all the above online now, plus all reports, course updates and Pi lessons through the rest of 2017 and all of 2018 at no additional fee.

Click here to become a member at the discounted rate of $349

Gary 

More Ecuador Beach Condos


I have spotted an interesting Ecuador expat real estate trend that is putting more very nice Ecuador beach condos on the market.

Merri and I have made fortunes over the years by spotting value in real estate.  A recent message at this site shows how Ecuador beach condos are often a tenth the price of Miami even though Miami condos are often half the price of condos in Columbia and Brazil!

Ecuador coastal condos offer extreme value.

There are a growing group of our readers… and I suspect expats overall who followed us to Ecuador early on.  They bought a condo… moved in… have grown t0 know the area and want to expand.    They love Ecuador and have decided to have a their own house.

This appears to be the case around San Clemente where a number of the Vistazul  condo owners are now reselling their units and building larger homes.

One reader sent this note.  Hi Gary, Shirley and I would like to have our condo # 501 for sale on your real estate listing service.  We wish to build a larger home for ourselves with 3 bedrooms. Thank you , Kind Regards Larry

This shift to growth means that two condos in the Vistazul condo project are for sale.  I have suggested that the owners share the ad below.

Gary

San Clemente Ecuador Beach Condo Unit 401 for Sale

Located by the sleepy fishing village of San Clemente, Vistazul is considered by many to be one of the most beautiful developments on Ecuador’s Pacific Coast.  Currently it consists of 38 identical condos like those shown below.

ecuador-beach-condos

Vistazul residents enjoy the use of spa and swimming pool at the Palmazul Hotel across the road, walking along the beach each morning as the local fishermen bring in their catch, and viewing spectacular displays of color each evening as the golden sun slowly sinks below the blue Pacific.

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View, view, view.  Although all the units at Vistazul occupy the same grounds and have the same floor plans, for many it’s the views of the ocean and sunsets that bring color to the palette.

Units in blocks 3, 4 and 5 at the back of the Vistazul development have the best views simply because they are located highest up the hill leading back from the ocean.  And of the units in these three blocks, none has a better view of the ocean and sunsets than unit 401 which looks down directly through the center of the beautifully landscaped Vistazul complex with no other units close by to interfere with the view.  Consequently, if it’s view that you want, this unit has one of the best views in the entire development.

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Below are pictures of the front of unit 401 during construction, what the back of all the units look like, (again during construction), and the kitchen of unit 401 showing the granite countertops and bar before any appliances were installed.  Note that 401 is an end unit which has extra side windows both downstairs and on the upstairs master bedroom, opening up these rooms and letting in more light.

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All the current 38 Vistazul units have the same floor plan with 1,290 square feet of living area on the first and second floors plus an additional 645 square feet of roof terrace.  The roof terrace has a 3 foot railing around it and many residents cover their terrace with an inexpensive ‘ramada’ (thatched roof which keeps off the sun under so they can sit, eat, or sleep outdoors).

ecuador-beach-condos

Included in the $98,000 asking price are the following items:

•    Refrigerator with ice maker, washing machine, and bottled water dispenser;
•    Three air conditioners (one downstairs, one in each upstairs bedroom);
•    Two room dehumidifiers on rollers that can be moved from room to room;
•    Queen size bed in master bedroom;
•    Three large ceiling fans downstairs plus a ceiling fan in each upstairs bedroom;
•    Attractive light fixtures throughout the unit;
•    Patio table with four chairs used for eating plus two bar stools for the granite bar;
•    Dishes, cooking and eating utensils; sheets and full set of bedding items; brooms, mops, laundry cart, and other cleaning items; bathroom items and mirrors; etc.

ecuador-beach-condos

This is the only unit in Vistazul where the owner has installed solar film on all the East-West windows.  Solar film blocks 97% of UV rays and solar heat from pouring in through the windows before noon and after 3 pm, thereby reducing your air conditioning needs and electric bill.  It also makes all the colors brighter when you look out your windows.  (The blues are bluer, the greens, greener; etc.)  In addition, the owner has installed drapes on all the windows to block out the early morning and mid-afternoon sun.

If you want to either rent or live in the unit yourself, the only ‘necessity’ you probably would want to buy would be a downstairs living room set (couch, chairs, and coffee table), television, and arrange for Direct TV service.  The unit receives four or five bars on the Vistazul Internet.  Currently a number of owners have bought their units to rent and are enjoying a high return.  Vistazul has an Administrator who will rent and manage your unit if you so desire.

For more information please contact Roger at rosenwalds@hotmail.com.  Thank you for your interest.

San Clemente Ecuador Beach Condo Unit 501 for Sale

ecuador-beach-condo

View from Vistazul unit 501

Unit 501 shares the same features as the unit above, plus the owners, Larry and Shirley Humphrey, added the following improvements.

1)      Built a nice patio and garage for motorcycle and storage plus added storage under stairs.

ecuador-beach-condo

2)      Changed all the wood windows doors etc. to aluminum

3)      Changed all the wooden railings to aluminum

4)      Changed the front steps from wood to cement steps with non slip ceramic tile on them

ecuador-beach-condo

Unit 501.

5)      Installed privacy screens on the terrace.

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6)      Installed an oven in the kitchen.

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Kitchen in unit 501.

7)      Installed two air conditioners 18000 BTU in master bedroom and a 12000 BTU in the living area.

Price $110,000.

For more information please contact Larry Humphrey at larry@sanclementeecuador.com

Vistazul is where Merri and I purchased our condos and continue to maintain a penthouse at the Palmazul boutique hotel which is the Vistazul clubhouse as well.

Learn Spanish in three days on Ecuador’s coast

Gary

Ecuador Coastal Condo Value


Here is an Ecuador coastal value.

SALINAS-CONDOS

Ecuador coastal condo.

This site regularly reminds investors that the three most important investing fundamentals are:

#1: To fulfill your purpose.

#2: To invest in what you know.

#3: To find value.

This is why we encourage investors to look at Ecuador coastal real estate. Despite rising prices and inflation, Ecuador coastal real estate still offers one of the best beach values of anywhere.  The Ecuador coastal condos below are priced so well, I asked twice… to be sure I was not making a mistake.

SALINAS-CONDOS

This Ecuador coastal condo is large.  Actually it is two five bedroom condos each over 2,500 square feet.

Before we take a look at this condo here is a short reminder that Easter is near and fresh Ecuador lilies are available.

ecuador-lilies

See details on Ecuador Lilies for Easter here.

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This Ecuador coastal condo below is for sale… has great views and offers stunning value.

How to See Value

The March 1, 2012 Bloomberg Business news article entitled “Foreign Buyers Heat Up Miami’s Condo Market”  by Roben Farzad shows why Ecuador beach property represents such a bargain when it says:  In 2008 and 2009, with prices and the economy tanking, Miami’s new high-rises ended up with so many condos in foreclosure—and unoccupied—that a fishing boat captain said the city looked like a luxury war zone. Today the canyons of downtown, South Beach, and route A1A are hot again as international buyers rush to acquire pied-à-terre in what has long been considered the gateway to Latin America. Across the city, home sales jumped by a record 46 percent last year, the Miami Association of Realtors reports. And median monthly rents are up by 30 percent from 2009, to $1.97 per square foot, according to Condo Vultures, a Miami real estate consulting firm.

At least two dozen condo projects have been announced in the past 10 months, says Peter Zalewski, a principal at Condo Vultures.

Latin Americans, Europeans, and Asians, who Zalewski says represent as much as 80 percent of new buyers in the area, are willing to plunk down deposits of more than three-quarters of the price.

Zalewski predicts that Miami’s downtown condo market will reach full occupancy early next year, compared with 8 percent vacancy now—even as 4,500 new condos become available across South Florida. “The speculator seeking riches has always been the common thread in South Florida’s boom-bust cycles,” he says. “The only change today is the extent of foreign investors with strong currencies flooding in.”

That article included this review of new beach condo prices in Latin America.

condo-prices

Based on these figures… the Ecuador coastal condo below is less than 1/6h Miami prices… about 1/9th Bogota prices… 1/15th Sao Paulo and 1/19th Rio prices.

SALINAS-CONDOS

This Ecuador coastal condo has great patios and is offered at about $72 per square foot.

Jean Marie Butterlin head of the Ecuador Ateam on the coast sent this note about an Ecuador coastal condo near Salinas.

Here is a nice deal!

SALINAS-CONDOS

This is a house in a private residential community in Capaes, near Salinas.

SALINAS-CONDOS

The house comprises two 2500 Square foot condos.

SALINAS-CONDOS

Each condo has 5 beds, 5 baths, covered garage, large kitchen – full (fridge, stove, micro, etc), large laundry room with W/D, a large full suite for guard and help.

SALINAS-CONDOS

Here are…

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some…

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interior views.

SALINAS-CONDOS

Price $180,000 per unit.

For more information contact Jean Marie at jean@ateamecuador.com

Learn Spanish in Three Days!

Gary

Read Business Week article Foreign Buyers Heat Up Miami’s Condo Market

 

Ocean Front Condos Canoa, Ecuador


See this paid advertisement for Ecuador ocean front condos below:

Ocean Front Condos For Sale On A Secluded Beach in Canoa, Manabi, Ecuador

ocean-front-condos-canoa

View looking south to Bahia de Caraquez.

Playa Azul is a small complex of 14 condominiums for the discriminating buyer who is looking for a beautiful condo on a nice secluded beach.  Our commitment is to provide people with the opportunity to sit by a beautiful infinity pool that will appear to flow right into the Pacific Ocean. Peace & quiet is what our condo projects are all about.

ocean-front-condos-canoa

View from second floor Condo

Playa Azul will feature 14 – 1000 Sq. Ft. 2 bedroom 2 bath condos overlooking the Pacific Ocean. The complex will feature the same beautiful infinity pool that is being built at Playa Dorada.

ocean-front-condos-canoa

Beautiful infinity pool and condos that I am building now at Playa Dorada that will also be built at Playa Azul.

We have just purchased one of the finest pieces of ocean front property on the Pacific Coast Highway between Bahia and Canoa.

We will have over 3000 Sq. Meters with 200 foot of ocean front to build 14 units all facing the ocean.

Your living room, dining room, kitchen and master bedroom will all have an ocean view. Even the master bedroom shower will have a window that opens to the ocean.

ocean-front-condos-canoa

Entrance to Playa Azul.

My first project Playa Dorada and Playa Azul are located just 15 minutes North of Bahia and just 5 minutes South of the popular tourist town of Canoa.

We also have just received great news. We are getting a golf course in Bahia (another welcome addition to the growing infrastructural of our area).

In the last 2 years we have seen ocean front property go from $25 per meter to $65 per meter and the demand is greater than ever.

So we can not stress enough the importance of getting your spot on the beach before the prices are in line with Costa Rica and Panama. 



With ocean front prices rising so fast, it will be impossible to offer these condos again at this price. If you are serious about having a ocean front getaway or a beautiful retirement condo Now is the TIME!!!

We are located 1  1/2 hours North of Manta Airport that will soon be getting International flights from the U.S. Also just 10 minutes from here is the San Vicente Airport that is under renovation and will be getting regular scheduled flights from Quito. They have extended the runway and are almost complete with the Arrival Departure building renovation. 
We are also getting a new Shopping Mall in Bahia that will be a very welcome addition to all who live here. Bahia’s growth had always been held back by the lack of a bridge across the Chone Estuary.

But now with the new longest bridge in Ecuador complete and the coastal highway now connecting Bahia with the North coast, we are now in one of the hottest real estate markets of Ecuador. Also what makes our projects so inviting is the beautiful wide secluded beaches along with our small complexes of Condos.

ocean-front-condos-canoa

Looking North to Canoa

This gives everyone a peaceful place to relax without 100 or more owners sharing 1 pool.

We are featuring handcrafted solid hardwood doors, windows, cabinets and closets built by one of the best carpenters on the coast of Ecuador. We are also featuring quality tiled floors and porcelain counter tops.

At $95 per sq. ft., you will be assured your investment is solid.

We sold out Playa Dorada in 60 days and anticipate Playa Azul selling just as fast when everyone can see the quality, location, and security we have created at Playa Dorada. 
Everyone who bought a condo in our Playa Dorada project has already earned $20,000 equity in just 8 months.

Beginning in December of this year we will have Playa Dorada 2 Bdrm 2 bath Condos ready to rent. This will give you the chance to see our project and reserve your spot in the future for a Playa Azul Condominiums just a 10 minute walk north from Playa Dorada. We can pick you up at the Manta Airport and provide you with a real estate tour so you will know the market and be confident that your investment at Playa Azul is the right choice.

These condos can also be managed as vacation rentals if one chooses. We will have a web site that will feature open booking dates and the ability for people to reserve with Visa or Master card. The path between Ecuador’s capital, Quito , and the coastal city of Manta is nearing completion with a new 4 lane concrete highway.

Here at our property the new four lane concrete highway with a bike lane from Canoa to San Vicente is nearly done.

The bridge that will link Bahia De Caraquez and San Vicente is completed, and upgrades to Ecuador’s electrical systems are being done, along with a new fiber optic cable that will be activated soon. We have hi speed internet and direct TV that has all the U.S. channels.

There are also over 240 channels from around the world with a one time installation fee of $220 and no monthly payments.

The weather here from May to Jan. averages about 72 degrees with a slight overcast. Jan. to April runs 80 to 90.

After living in the Caribbean with hot humid weather year round, I find the weather here on the coast to be one of Ecuador’s best features. 
So now it’s time to ask yourself.

You can have the Pacific Ocean at your door step with miles of quiet beaches and a beautiful infinity pool.

Here is some general info about myself and the area. I’m a custom home builder from Gold Beach, Oregon and moved here over 3 years ago to escape the poor economy.

I have since married and work with my Ecuadorian wife, Elsa, making Playa Dorada and Playa Azul a little piece of paradise. I have always built high quality custom beach homes and will never cut corners to pad my wallet. It is more important for us to offer a good price and have new found friends and neighbors.

I do not use realtors and I pass that savings on to my buyers, we have an excellent lawyer here in San Vicente that gives us all a very fair price on closing costs and you can trust that what I have to offer is what you will receive.

See the newest condos being built in Canoa by Brent Carlson  click here.

For more details contact me (Brent Carlson) at bcarlson22@ymail.com

See how to learn about Ecuador in the USA and more as you save

2017 Schedule

Who Gets the 36 Cents?

 

I wonder.   Who does the government owe 36 cents?

According to Treasurydirect.com, as of October 31, 2017 the cost of interest on  the total US public debt of $20,467,375,664,755.32 (20 trillion+) was $24,411,569,716.36 (24 billion+).

The 36 cents isn’t much of a problem.  The other 20 trillion is.

This is good news and bad… the rock and the hard spot.  The bad news is that the rock (US federal debt) is getting bigger….harder to miss.  The Congressional Budget Office (CBO) projected in 2010 (the debt then was a bit over 14 trillion) that, under law at that time, debt held by the public would exceed $16 trillion by 2020, reaching nearly 70 percent of GDP.

They sure goofed on that.  Here we are… not quite into 2018 and debt has shot past 20 trillion.

How could the CBO be so wrong? 

The CBO screwed up because they could never imagine that the Fed would push interest rates so low… and keep them there.  The interest rates are so low that the government can borrow and borrow and still afford the interest.

For example, US Federal government interest this year will amount to around $483 billion on the 20 trillion of debt.  Yet in 2008 on debt of only $9,229,172,659,218.31 (9 trillion +) the interest that year was $451,154,049,950.63 (451 billion +).

Interest payments in 2017 are 7% higher than they were in 2008.  Yet the debt is over 100% higher.  

Very low interest rates have helped the government borrow.  Low interest has also helped the US stocks reach all time high prices.

Here is the very hard spot.  The downside is that low interest has reduced earnings of investors.  Low interest has ruined the lifestyles of many who have retired.

Here is what happened and why the problem may exist for quite a bit longer.

If investors can increase the interest rate to 6% from the lousy 1% (or so) they earn now, they gain 1,263% more over 30 years.  Anyone living off interest, who is drawing down their portfolio over 20 years, makes 57% more annual income every year.

But if investors get 6% interest instead of 1%, the government has to also pay more on it debt.

The government will resist raising rates because it will ruin their budget, cause a collapse of the stock markets and destroy the US dollar.  

Rising interest rates, that we would like to see as investors, will create an almost unimaginable debt crisis.  If government interest goes to 6% it is like the $20+ trillion national debt  rising to 100 trillion!  Unless there are some huge tax increases, a 5% increase in interest rates would increase the national debt by five times.

A tax increase?  The current tax act being proposed reduces, not increases, revenue.

This is not a theoretical problem for the future. This is not something that our children and grandchildren will have to deal with.  This is a problem in the here and now.

Interest rates create a massive problem on two sides of the same coin.  Raise rates the massive national debts ruins the purchasing power of currencies.  Keep interest rates low and capitalism does not work for investors.  Politicians simply borrow more (on our behalf) but for their benefit.

Learn how to have more freedom and time, less stress, better health care, extra income, greater safety and profit in your savings despite America’s deficits, debt and currency risk.

Fortunately there are secrets that will allow a few to live much better, free of debt and worry despite the decline in the dollar’s purchasing power.   My wife, Merri and I, have traveled, lived, worked and invested around the world for nearly 50 years to gain this information.

Let me share the basics of this data and how we can be of help through 2018.

The first fact behind this secret is that things are really good in the western world.  Despite many problems, we are surrounded by more abundance and greater opportunity than almost anyone has ever enjoyed, anywhere, ever.   To enjoy a fair share of this wealth, all we have to do is understand human nature and learn how to invest in the new economy, as it changes and becomes new, again and again.

Merri and I have made seven huge transitions in the 50 years.  Each has allowed us to always stay ahead of losses that the majority of Americans suffer.  We are in another transition right now and want to share why and what to do so you can stay ahead and live a richer, independent life through 2018 and beyond.

A falling US dollar is one of the greatest risks we have to our independence, safety, health, and wealth, but also brings a window of huge profit as I explain below.   Though the greenback has been strong for a number of years, its strength is in serious jeopardy.  The growing federal deficits increase the national debt and this with rising interest rates propels a growing debt service.

When the Dow Jones Industrial Average recently passed 20,000, another milestone of “20” took place that has a much darker meaning to your and my spending power.  The U.S. national debt passed the $20 trillion mark.

The problem is that the Dow will come back down.  National debt will not fall.

The double shock of money fleeing Wall Street and US debt skyrocketing, will destroy the purchasing power of the greenback.

Go to the store even now.  Statistics say inflation is low, but buy some bread or, heaven forbid, some fresh vegetables like peppers or fruit.   Look at the cost of your prescription or hospital bills.  Do something simple like have your car serviced at an auto dealer.  Look at the dollars you spend and you’ll see what I mean.

The loss of the dollar’s purchasing power erodes our independence, our freedom and our savings and wealth as well. 

At the same time, low interest rates by big banks and higher health care costs soak up the ever diminishing income and savings we have left.  According to a Gallup poll, the most unpopular three institutions in America are big corporations & Wall Street banks, HMOs and Congress.

Yet there is little we can do because these institutions are in control.

Over the last 50 years the average income for 90 percent of the American population fell.  Our health system is restricted by a Kafka-esque maze of legislation and insurance regulations that delay, frustrate, and thwart attempts by patients and doctors from proper medical care.  Big banks and corporations restrict our freedom of choice.  The business customer relationships are no longer transactions between free equals.

Banks can trap us in indebtedness at every age from student loans to mortgages to health care costs.  They pay almost nothing on our savings.  They hide unexpected fees and payments in complex and unreadable documents.  Banks and big corporations routinely conceal vital information in small print and then cheat.  Weak regulations and lax enforcement leave consumers with few ways to fight back.  Many of these businesses ranging from cable TV to phone and internet service to health insurance have virtual monopolies that along with deceptive marketing destroys any form of free market.

These same companies control the credit-scoring agencies so if  we don’t pay unfair fees, our credit scores will plunge and we could lose the ability to borrow money, rent an apartment, even to get a job.  Many consumers are forced to accept “arbitration clauses” in lieu of  legal rights.  The alternative is to lose banking, power, and communication services.

Big business has also usurped our privacy.  Internet companies sell our personal data.  Personal information is pulled from WiFi and iPhones track and store our movements.  The government can access this information, sometimes without subpoenas.  There’s a lot that we don’t know, often withheld under the guise of “National Security.”

The glow on Western democratic capitalism has dimmed… or so it seems.  The US, leading the way, is still a superpower with economic, innovation and military might, but the institutions that should serve the people have become flawed or broken.

America’s infrastructure is in shambles.  The nation’s bridges are crumbling, many water systems are filled with toxins, yet instead of spending more to fix this, we build more prisons.  The 2.2 million people currently in  jail is a 500 percent increase over the past thirty years.  60% of the inmates belong to ethnic groups.  Not just non-white ethnic groups are suffering.  Annual death rates are falling for every group except for middle-aged white Americans.  Death rates are rising among this group driven by an epidemic of suicides and afflictions stemming from substance abuse, alcoholic liver disease and overdoses of heroin and prescription opioids.

America’s middle class is shrinking.  Nearly  half of America’s income goes to upper-income households now.  In 1970 only 29 percent went to this group.  How can we regain our freedom, our happiness and our well being in such a world?

What can we do?

Gain a better, freer life is to combine better health, higher income and greater savings for a happier, more resilient lifestyle. 

Merri and I will celebrate our 50th year of global living, working, investing and researching to find and share ideas on how to have simpler, low stress, healthier, more affluent lifestyles.  Our courses, reports and email messages look at ways to gain:

#1:  Global micro business income.

#2:  Low cost, natural health.

#3:  Safer, more profitable, investments that take little time or cost to buy and hold… so you can focus on earning more instead

Many readers use our services for just one of these three benefits.  They focus only on health or on earning more or on better, easier investing.

27 years ago Merri and I created the International Club as a way for readers to join us and be immersed in all three of these benefits.   The International Club is a year long learning program aimed at helping members earn worry free income, have better affordable good health and gain extra safety and profits with value investments.

Join us for all of 2018 NOW.

The three disciplines, earning, health and investing, work best when coordinated together.  Regretfully the attacks on our freedom are realities of life.  There is little we can do to change this big picture.  However we can change how we care for our health, how we earn and how we save so that we are among the few who live better despite the dollar’s fall.

We start with better lower cost health care.

Club membership begins by sharing ways to be free of the “Secret Hospital Charge Master”.   Just as governments hide truth behind “National Security”, big health care businesses hide medical truths behind “Charge masters”.  Most hospital charge masters are secret because big business does not want us to know how much hospital costs have risen.  Motivations beyond our good health, like corporate greed, want to keep us in the dark about health care cost.

Despite rising health care costs, a report from the Centers for Disease Control & Prevention shows that hospitals are the last place we want to be for good health.  One report shows that hospital-acquired infections alone kills 57% more Americans every year than all car accidents and falls put together.

Often, what patients catch in the hospital can be worse than what sent them there.  Governments and health care agencies agree  – antibiotic resistance is a “nightmare.”  An antibiotic-resistant bacteria may be spreading in more hospitals than patients know.  About one in every 25 hospitalized patients gets an infection and a 2013 report from the Journal of Patient Safety showed that medical errors are the third-leading cause of death in the country.

Along with the risk of hospital acquired illness and medical errors, the second huge threat to our well being… is health care costs, especially at hospitals.  This is why charge masters are so often secret.  There are few risks to our wealth that are greater than a hospital stay.

I have created three natural health reports are about:

#1: Nutrition

#2: Purification

#3: Exercise

Each report is available for $19.95.  However you’ll receive this free as club member and save $59.85.

Club members also receive seven workshops and courses on how earn everywhere with at home micro businesses.  We call this 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”
  • “Self Fulfilled – How to Write to Sell”
  • 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”
  • The course “Event-Full – How to Earn Conducting Seminars and Tours”

This program is offered at $299, but is available to you as a club member free.  You save $299 more.

Next, club members participate in an intensive program called the Purposeful investing Course (Pi).  The purpose of Pi is finding value investments that increase safety and profit.  Learn Slow, Worry Free, Good Value Investing.

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

There are seven layers of tactics in the Pi strategy.

Pi Tactic #1: Determine purpose and good value.

Pi Tactic #2: Diversify 70% to 80% of portfolio equally in good value developed markets.

Pi Tactic #3: Invest 20% to 30% equally in good value emerging markets.

Pi Tactic  #4:  Use trending algorithms to buy sell or hold these markets.

Pi Tactic  #5:  Add spice speculating with ideal conditions.

Pi Tactic  #6: Add spice speculating with leverage.

Pi Tactic  #7:  Add spice speculating with forex potential.

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 the next year 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.

The Pi subscription is normally $299 per annum but as a club member you receive Pi at no charge and save an additional $299.

Profit from the US dollar’s fall.

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!

Club members receive a report about opportunity in 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 become a club member you receive the report, “Three Currency Patterns For 50% Profits or More” FREE.

Plus get the $39.99 report, “The Silver Dip 2017” 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.

The report “Silver Dip 2017” sells for $39.95 but club members receive it free as well.

The $39.95 new “Live Anywhere – Earn Everywhere Report” is also free.

There is an incredible new economy that’s opening for those who know what to do.  There are great new opportunities and many of them offer enormous income potential but also work well in disaster scenarios.

There are are specific places where you can reduce your living expenses and easily increase your income.  Scientific research has shown that being in such places actually make you smarter and healthier.  Top this off with the fact that they provide tax benefits as well and you have to ask, “Where are these places?”.

Learn about these specific places.  More important learn what makes them special.  Discover seven freedom producing steps that you can use to find other similar places of opportunity.

The report includes a tax and career plan broken into four age groups, before you finish school, from age 25 to 50 – age 50-to 65 and what to do when you reach the age where tradition wants you to re-tire.  (Another clue-you do not need to retire and probably should not!)

The report is very specific because it describes what Merri and I, our children and even my sister and thousands of our readers have done and are doing, right now.

Live Anywhere – Earn Everywhere focuses on a system that takes advantage of living in Smalltown USA, but earning locally and globally.

This report is available online for $39.99 but International Club members receive it free.

Save $418.78… “plus more” when you become a club member.

Join the International Club and receive:

#1: The $299 Personal investing Course (Pi).   Free.

#2: The $299 “Live Well and Free Anywhere Program”. Free.

#3: The $29.95 report “Three Currency Patterns For 50% Profits or More”. Free.

#4: The $39.99 report “Silver Dip 2017”. Free

#5: The three $19.99 reports “Shamanic Natural Health”.  All three free.

#6: The $39.99 “Live Anywhere – Earn Everywhere” report. Free.

#7: A subscription to the Purposeful investing course… Plus more.

These reports, courses and programs would cost $767.78 so the 2018 membership saves $418.78, “plus more”.

What’s the “plus more”?

Join the International Club for $349 and receive all the above online now, plus any online reports, online course updates or online programs we create throughout 2017 all at no additional fee. The club membership entitled you to everything.

The International Club membership is $499, but we want to encourage our first 100 members for 2018 to join quickly so we are currently accepting discounted membership at $349. 

Join the International Club for $349 and receive all the above online now, plus all reports, course updates and Pi lessons through the rest of 2017 and all of 2018 at no additional fee.

Click here to become a member at the discounted rate of $349

Gary 

Learn how to place Ecuador rental advertising

Learn how to place Ecuador real estate for sale ads

We DO NOT investigate properties when they are advertised so be sure to complete your due diligence and always use an independent Ecuador attorney who represents you (not the seller) when you buy real estate in Ecuador. Also we want to be sure that you check the claims of the developer/seller and make sure that you are satisfied. We also recommend that you rent before you buy and become familiar with Ecuador.

Bahia Beach Condos


Here are four Bahia beach condos for sale.

These four condos are left in the nicest building on the Ecuadorian coast in Bahia de Caraquez and there is a very special deal for EL subscribers and Ecuador real estate tour clients.

bahia-condos

The head of Ateam Ecuador, Jean Marie Butterlin, lives in Bahia and sent this note.

There are four condos left in the first apartment building to be built in Bahia for 15 years. They are scheduled to be finished in December  2011.  Our tour clients  who bought early at pre-construction prices are already enjoying a 20% rise in the value of their property from a year ago.  There are five of our delegates who have already purchased units here.

Many Ecuadorians also have units which is a good sign that the price is right as the locals know best the market price.  I always like to go to the restaurants where I see a lot of locals.  The same is true when buying real estate. I look where the affluent locals are buying property.

Here is a picture of the building taken on Oct 10th.

bahia-condos  

Here is the view from the unit I purchased on the 5th floor.

bahia-condos  

The building is situated on the Malecon at the very end of the Bahia peninsula, with views on the ocean, the bay, the bridge and the city.  There are only 4 units left ranging from a 2 bedroom 967 sq.ft 2nd floor priced at $80,522  to a 5 bedroom 4th floor 2,690 sq.ft  priced at $256,120.

The 2d floor apartment is priced at $83.26 per square foot.

This is 2.5 times cheaper than any new construction building that I know being sold right now in South America on a sea front/malecon.   On the Columbian coast, for example, prices are running at well over $200/sq.ft and in Brazil around $650 to $800/sq.ft.

The owner/contractor of the building is giving EL subscribers and our tour clients a special $10,000 discount for these units that will be finished at the end of this year.  (The prices above include the special discount provided to our clients.)

An additional 4% discount is also available if a 90% down payment is made at time of purchase.

Amenities range from :

–       own potable water with a state of the art desalinisation plant

–       own power generator

–       2 pools and jacuzzi on the roof

–       outside glass elevator facing the ocean.

–       hotel type entrance with a concierge

–       24h/7 security guard

–       Coffee shop in building (rent will pay part of the HOA)

–       Pre-wired A/C

–       High end hard wood kitchen cabinets and vanities

Jean Marie

Ecuador Living Club members can obtain the $10,000 discount and full details at their password protected site by clicking here.

See how to get an Ecuador Living Club password here.

See how to learn about Ecuador in the USA and more as you save

2017 Schedule

Who Gets the 36 Cents?

 

I wonder.   Who does the government owe 36 cents?

According to Treasurydirect.com, as of October 31, 2017 the cost of interest on  the total US public debt of $20,467,375,664,755.32 (20 trillion+) was $24,411,569,716.36 (24 billion+).

The 36 cents isn’t much of a problem.  The other 20 trillion is.

This is good news and bad… the rock and the hard spot.  The bad news is that the rock (US federal debt) is getting bigger….harder to miss.  The Congressional Budget Office (CBO) projected in 2010 (the debt then was a bit over 14 trillion) that, under law at that time, debt held by the public would exceed $16 trillion by 2020, reaching nearly 70 percent of GDP.

They sure goofed on that.  Here we are… not quite into 2018 and debt has shot past 20 trillion.

How could the CBO be so wrong? 

The CBO screwed up because they could never imagine that the Fed would push interest rates so low… and keep them there.  The interest rates are so low that the government can borrow and borrow and still afford the interest.

For example, US Federal government interest this year will amount to around $483 billion on the 20 trillion of debt.  Yet in 2008 on debt of only $9,229,172,659,218.31 (9 trillion +) the interest that year was $451,154,049,950.63 (451 billion +).

Interest payments in 2017 are 7% higher than they were in 2008.  Yet the debt is over 100% higher.  

Very low interest rates have helped the government borrow.  Low interest has also helped the US stocks reach all time high prices.

Here is the very hard spot.  The downside is that low interest has reduced earnings of investors.  Low interest has ruined the lifestyles of many who have retired.

Here is what happened and why the problem may exist for quite a bit longer.

If investors can increase the interest rate to 6% from the lousy 1% (or so) they earn now, they gain 1,263% more over 30 years.  Anyone living off interest, who is drawing down their portfolio over 20 years, makes 57% more annual income every year.

But if investors get 6% interest instead of 1%, the government has to also pay more on it debt.

The government will resist raising rates because it will ruin their budget, cause a collapse of the stock markets and destroy the US dollar.  

Rising interest rates, that we would like to see as investors, will create an almost unimaginable debt crisis.  If government interest goes to 6% it is like the $20+ trillion national debt  rising to 100 trillion!  Unless there are some huge tax increases, a 5% increase in interest rates would increase the national debt by five times.

A tax increase?  The current tax act being proposed reduces, not increases, revenue.

This is not a theoretical problem for the future. This is not something that our children and grandchildren will have to deal with.  This is a problem in the here and now.

Interest rates create a massive problem on two sides of the same coin.  Raise rates the massive national debts ruins the purchasing power of currencies.  Keep interest rates low and capitalism does not work for investors.  Politicians simply borrow more (on our behalf) but for their benefit.

Learn how to have more freedom and time, less stress, better health care, extra income, greater safety and profit in your savings despite America’s deficits, debt and currency risk.

Fortunately there are secrets that will allow a few to live much better, free of debt and worry despite the decline in the dollar’s purchasing power.   My wife, Merri and I, have traveled, lived, worked and invested around the world for nearly 50 years to gain this information.

Let me share the basics of this data and how we can be of help through 2018.

The first fact behind this secret is that things are really good in the western world.  Despite many problems, we are surrounded by more abundance and greater opportunity than almost anyone has ever enjoyed, anywhere, ever.   To enjoy a fair share of this wealth, all we have to do is understand human nature and learn how to invest in the new economy, as it changes and becomes new, again and again.

Merri and I have made seven huge transitions in the 50 years.  Each has allowed us to always stay ahead of losses that the majority of Americans suffer.  We are in another transition right now and want to share why and what to do so you can stay ahead and live a richer, independent life through 2018 and beyond.

A falling US dollar is one of the greatest risks we have to our independence, safety, health, and wealth, but also brings a window of huge profit as I explain below.   Though the greenback has been strong for a number of years, its strength is in serious jeopardy.  The growing federal deficits increase the national debt and this with rising interest rates propels a growing debt service.

When the Dow Jones Industrial Average recently passed 20,000, another milestone of “20” took place that has a much darker meaning to your and my spending power.  The U.S. national debt passed the $20 trillion mark.

The problem is that the Dow will come back down.  National debt will not fall.

The double shock of money fleeing Wall Street and US debt skyrocketing, will destroy the purchasing power of the greenback.

Go to the store even now.  Statistics say inflation is low, but buy some bread or, heaven forbid, some fresh vegetables like peppers or fruit.   Look at the cost of your prescription or hospital bills.  Do something simple like have your car serviced at an auto dealer.  Look at the dollars you spend and you’ll see what I mean.

The loss of the dollar’s purchasing power erodes our independence, our freedom and our savings and wealth as well. 

At the same time, low interest rates by big banks and higher health care costs soak up the ever diminishing income and savings we have left.  According to a Gallup poll, the most unpopular three institutions in America are big corporations & Wall Street banks, HMOs and Congress.

Yet there is little we can do because these institutions are in control.

Over the last 50 years the average income for 90 percent of the American population fell.  Our health system is restricted by a Kafka-esque maze of legislation and insurance regulations that delay, frustrate, and thwart attempts by patients and doctors from proper medical care.  Big banks and corporations restrict our freedom of choice.  The business customer relationships are no longer transactions between free equals.

Banks can trap us in indebtedness at every age from student loans to mortgages to health care costs.  They pay almost nothing on our savings.  They hide unexpected fees and payments in complex and unreadable documents.  Banks and big corporations routinely conceal vital information in small print and then cheat.  Weak regulations and lax enforcement leave consumers with few ways to fight back.  Many of these businesses ranging from cable TV to phone and internet service to health insurance have virtual monopolies that along with deceptive marketing destroys any form of free market.

These same companies control the credit-scoring agencies so if  we don’t pay unfair fees, our credit scores will plunge and we could lose the ability to borrow money, rent an apartment, even to get a job.  Many consumers are forced to accept “arbitration clauses” in lieu of  legal rights.  The alternative is to lose banking, power, and communication services.

Big business has also usurped our privacy.  Internet companies sell our personal data.  Personal information is pulled from WiFi and iPhones track and store our movements.  The government can access this information, sometimes without subpoenas.  There’s a lot that we don’t know, often withheld under the guise of “National Security.”

The glow on Western democratic capitalism has dimmed… or so it seems.  The US, leading the way, is still a superpower with economic, innovation and military might, but the institutions that should serve the people have become flawed or broken.

America’s infrastructure is in shambles.  The nation’s bridges are crumbling, many water systems are filled with toxins, yet instead of spending more to fix this, we build more prisons.  The 2.2 million people currently in  jail is a 500 percent increase over the past thirty years.  60% of the inmates belong to ethnic groups.  Not just non-white ethnic groups are suffering.  Annual death rates are falling for every group except for middle-aged white Americans.  Death rates are rising among this group driven by an epidemic of suicides and afflictions stemming from substance abuse, alcoholic liver disease and overdoses of heroin and prescription opioids.

America’s middle class is shrinking.  Nearly  half of America’s income goes to upper-income households now.  In 1970 only 29 percent went to this group.  How can we regain our freedom, our happiness and our well being in such a world?

What can we do?

Gain a better, freer life is to combine better health, higher income and greater savings for a happier, more resilient lifestyle. 

Merri and I will celebrate our 50th year of global living, working, investing and researching to find and share ideas on how to have simpler, low stress, healthier, more affluent lifestyles.  Our courses, reports and email messages look at ways to gain:

#1:  Global micro business income.

#2:  Low cost, natural health.

#3:  Safer, more profitable, investments that take little time or cost to buy and hold… so you can focus on earning more instead

Many readers use our services for just one of these three benefits.  They focus only on health or on earning more or on better, easier investing.

27 years ago Merri and I created the International Club as a way for readers to join us and be immersed in all three of these benefits.   The International Club is a year long learning program aimed at helping members earn worry free income, have better affordable good health and gain extra safety and profits with value investments.

Join us for all of 2018 NOW.

The three disciplines, earning, health and investing, work best when coordinated together.  Regretfully the attacks on our freedom are realities of life.  There is little we can do to change this big picture.  However we can change how we care for our health, how we earn and how we save so that we are among the few who live better despite the dollar’s fall.

We start with better lower cost health care.

Club membership begins by sharing ways to be free of the “Secret Hospital Charge Master”.   Just as governments hide truth behind “National Security”, big health care businesses hide medical truths behind “Charge masters”.  Most hospital charge masters are secret because big business does not want us to know how much hospital costs have risen.  Motivations beyond our good health, like corporate greed, want to keep us in the dark about health care cost.

Despite rising health care costs, a report from the Centers for Disease Control & Prevention shows that hospitals are the last place we want to be for good health.  One report shows that hospital-acquired infections alone kills 57% more Americans every year than all car accidents and falls put together.

Often, what patients catch in the hospital can be worse than what sent them there.  Governments and health care agencies agree  – antibiotic resistance is a “nightmare.”  An antibiotic-resistant bacteria may be spreading in more hospitals than patients know.  About one in every 25 hospitalized patients gets an infection and a 2013 report from the Journal of Patient Safety showed that medical errors are the third-leading cause of death in the country.

Along with the risk of hospital acquired illness and medical errors, the second huge threat to our well being… is health care costs, especially at hospitals.  This is why charge masters are so often secret.  There are few risks to our wealth that are greater than a hospital stay.

I have created three natural health reports are about:

#1: Nutrition

#2: Purification

#3: Exercise

Each report is available for $19.95.  However you’ll receive this free as club member and save $59.85.

Club members also receive seven workshops and courses on how earn everywhere with at home micro businesses.  We call this 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”
  • “Self Fulfilled – How to Write to Sell”
  • 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”
  • The course “Event-Full – How to Earn Conducting Seminars and Tours”

This program is offered at $299, but is available to you as a club member free.  You save $299 more.

Next, club members participate in an intensive program called the Purposeful investing Course (Pi).  The purpose of Pi is finding value investments that increase safety and profit.  Learn Slow, Worry Free, Good Value Investing.

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

There are seven layers of tactics in the Pi strategy.

Pi Tactic #1: Determine purpose and good value.

Pi Tactic #2: Diversify 70% to 80% of portfolio equally in good value developed markets.

Pi Tactic #3: Invest 20% to 30% equally in good value emerging markets.

Pi Tactic  #4:  Use trending algorithms to buy sell or hold these markets.

Pi Tactic  #5:  Add spice speculating with ideal conditions.

Pi Tactic  #6: Add spice speculating with leverage.

Pi Tactic  #7:  Add spice speculating with forex potential.

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 the next year 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.

The Pi subscription is normally $299 per annum but as a club member you receive Pi at no charge and save an additional $299.

Profit from the US dollar’s fall.

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!

Club members receive a report about opportunity in 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 become a club member you receive the report, “Three Currency Patterns For 50% Profits or More” FREE.

Plus get the $39.99 report, “The Silver Dip 2017” 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.

The report “Silver Dip 2017” sells for $39.95 but club members receive it free as well.

The $39.95 new “Live Anywhere – Earn Everywhere Report” is also free.

There is an incredible new economy that’s opening for those who know what to do.  There are great new opportunities and many of them offer enormous income potential but also work well in disaster scenarios.

There are are specific places where you can reduce your living expenses and easily increase your income.  Scientific research has shown that being in such places actually make you smarter and healthier.  Top this off with the fact that they provide tax benefits as well and you have to ask, “Where are these places?”.

Learn about these specific places.  More important learn what makes them special.  Discover seven freedom producing steps that you can use to find other similar places of opportunity.

The report includes a tax and career plan broken into four age groups, before you finish school, from age 25 to 50 – age 50-to 65 and what to do when you reach the age where tradition wants you to re-tire.  (Another clue-you do not need to retire and probably should not!)

The report is very specific because it describes what Merri and I, our children and even my sister and thousands of our readers have done and are doing, right now.

Live Anywhere – Earn Everywhere focuses on a system that takes advantage of living in Smalltown USA, but earning locally and globally.

This report is available online for $39.99 but International Club members receive it free.

Save $418.78… “plus more” when you become a club member.

Join the International Club and receive:

#1: The $299 Personal investing Course (Pi).   Free.

#2: The $299 “Live Well and Free Anywhere Program”. Free.

#3: The $29.95 report “Three Currency Patterns For 50% Profits or More”. Free.

#4: The $39.99 report “Silver Dip 2017”. Free

#5: The three $19.99 reports “Shamanic Natural Health”.  All three free.

#6: The $39.99 “Live Anywhere – Earn Everywhere” report. Free.

#7: A subscription to the Purposeful investing course… Plus more.

These reports, courses and programs would cost $767.78 so the 2018 membership saves $418.78, “plus more”.

What’s the “plus more”?

Join the International Club for $349 and receive all the above online now, plus any online reports, online course updates or online programs we create throughout 2017 all at no additional fee. The club membership entitled you to everything.

The International Club membership is $499, but we want to encourage our first 100 members for 2018 to join quickly so we are currently accepting discounted membership at $349. 

Join the International Club for $349 and receive all the above online now, plus all reports, course updates and Pi lessons through the rest of 2017 and all of 2018 at no additional fee.

Click here to become a member at the discounted rate of $349

Gary 

Learn how to place Ecuador rental advertising

Learn how to place Ecuador real estate for sale ads

We DO NOT investigate properties when they are advertised so be sure to complete your due diligence and always use an independent Ecuador attorney who represents you (not the seller) when you buy real estate in Ecuador. We also recommend that you rent before you buy and become familiar with Ecuador.

Pivotal Economy & Bahia Ecuador Condos


New construction update in Bahia  Ecuador as of August 2011.

bahia-condo-construction

A Bahia Ecuador dream for tougher times.

This last week has been pivotal in the global economy.  Congress is likely to raise the debt ceiling and reduce its expenditures… but this will not solve everyone’s economic woes.  If Congress agrees to this plan today, the plan is to reduce… not eliminate debt.  Can the plan be fulfilled?  Plus the reduction of spending (as much as it is needed) may slow down the economy. This is how economics should work.  But out of work voters usually fail to see the balance in such philosophy.

The problem cuts even deeper.  America has been seen as THE rock… the solid, concrete foundation of a sometimes shaky economic world.  This global perception may have been flawed… but in economics, perceptions count for a lot.  People will work… when they expect to be paid.  Investors will take risk when they expect there is a chance of profit.  Sellers will accept paper money if they expect it to have purchasing power later.

So belief in the American dollar brought global financial stability even if the belief itself was awry.

The Congressional mayhem of the last week has shone such a harsh spotlight on the US and the greenback… that even with a plan… the world will have changed… maybe for good…maybe not… but either way that change will bring pain to a lot of people.

The New York Times summed this up in a July 31, 2011 article entitled “In World’s Eyes, Much Damage Is Already Done” by David E. Sanger.  Here is an excerpt:  With the deal reached Sunday night, the United States has a good chance of escaping the debt limit showdown with its credit rating intact.

The United States government may not be so lucky with its reputation.

Even before negotiations went down to the wire on Sunday night, the bitterness, division and dysfunction that resounded around the world in recent weeks as the United States veered toward default did more than just fuel a perception that Washington is approaching Japan-like levels of political gridlock. Among foreign leaders and in global markets, the political histrionics have eroded America’s already diminishing aura as the world’s economic haven and the sole country with the power to lead the rest of the world out of financial crisis and recession.

The new head of the International Monetary Fund, Christine Lagarde, seemed to give voice to that concern when she noted on CNN that in the past there was always “a positive bias towards the United States of America, towards Treasury bills.” The events of the past few weeks, she said delicately, are “probably chipping into that very positive bias.”

“Even if the deal passes muster with the credit rating agencies, there is still a huge problem,” he said.

“The problem is that we need both a fiscal strategy and a growth strategy,” he said. “And what you hear around the world is that no one is convinced we do — that we have a pathway to making the debt sustainable and to dealing with everything from our infrastructure to our education system. It seems obvious to everyone that we haven’t done anything, but veer around to avoid catastrophe.”

This exposure of the economic and political cracks in the global economic system would be bad enough if it were just the USA that has lost its luster… but Japan and Europe have been caught in the same spotlight all at the same time.

This can create a panicky feel and panic leads to stampedes… never a good thing especially in an already weakened global banking system.

What can one do?  The answer to that has not changed… invest in multi currencies…  in good value equities… in real estate… commodities… have your own micro business and… live in places that you love with a lower cost… like Ecuador.

These options mean that you do not have to feel the pain of a global economic shift.  In fact on can live well… even better than before for less in many places like Bahia.

For example the first new condo construction for more than a decade began in Bahia last March (2011).  Here below are some notes from these new projects from Jean Marie Butterlin:

This project is on the Malecon and will contain 23 apartments facing the ocean, Chone Estuary, and the new bridge.

bahia-condo-construction

These 23 units are well on their way as this Bahia dream becomes reality.

June 2011 saw a second smaller nine apartment building started also on the Malecon. These units are closer to the center of Bahia and have bay and bridge views.

Last week another nine unit building was started near the second smaller building.

bahia-condo-construction

Nine new units sold out before construction began.

These new units are good because the real estate market in Bahia has become really tight. No new buildings were started  for 15 years.   Now these three buildings have all began in just 5 months.  The second smaller building sold out before it started.  There are only  two apartments left on the other nine project. These apartments are priced at $110 per square foot and are on the first and second floor.

The 23 unit building at the end of the peninsula has just four units left at prices ranging from $93 per square foot for a  first floor apartment to $112 per square foot for a 7th floor unit.  Two of the condos are 1,300 square feet. One unit is 2,700 sq.ft and one 1,680 sq.ft .

We have been told by reliable sources that this building will be completed in December and will be the most luxurious project on the entire coast from Salinas to Esmeraldas.  Jean Marie.

Bahia Terrace dining

View along the Bahia malecon looking toward the 23 units condo building.

Ecuador Living Club members can get contact information for the six remaining condos at the club password protected site. Click here.

One reason why Bahia Ecuador is so much in demand is explained by this note from Jean Marie Butterlin who lives in Bahia with his wife Pascale.

Ecuador, Longevity and Arte de Vivre

By Jean Marie Butterlin

How to add years to your life and life to your years in Ecuador.

One of the reasons Pascale and I love Ecuador is its closeness to the Latin culture, that is in our roots.

In our DNA, the Latins (French, Italian, Spaniards, South Americans)  is a gene I call the “Art de Vivre” or the Art of Living which flows through the Latin history.

I believe that the art of living is a factor that is linked to the great longevity enjoyed by the people of Ecuador. Bahia in particular is an area where one can enjoy this kind of living because of its slow pace… lost costs and sublime weather.

This art is difficult to define but I will try to give my version of it and how Pascale and I live it ourselves in our daily lives here in Bahia.

The artist of a joyful life takes time to enjoy the most important things in life. The artist avoids rushing. The artist has rituals… like dining instead of eating in a hurried way.

Before breakfast, we enjoy sipping our expressos or capuccinos on our terrasse, enjoying the sun getting up, 15 minutes of pure pleasure!

Bahia Terrace dining

Bahia Coffee shack on the Bahia Malecon... perfect place for a cool drink or a cafe con leche.

Breakfast is never hurried and lasts at least 30 to 45 minutes. This is our main meal of the day.

We bake our own bread using ancient whole, organic grains like spelt, quinoa or amaranth. (no allergens, glutens, pesticides ).

Lunch is a special treat.  We usually cook for a couple of hours after having gone to the mercado choosing fresh produce and fruits.  No TV is running, just some nice music, again on the terrasse overlooking the bay of Bahia.

We spend at least one hour for lunch if not more and we talk and exchange and about life.

Having the time to prepare exquisite food and to savor it is all part of the Arte de Vivre.   A nice Cabernet in a Waterford or Baccarat glass adds to the pleasure.

The Romans called it “Carpe Diem”, enjoy the day or the moment.  Ecuadorians call it “Disfrute la vida”  an epicurian way of life with a Latin touch.

All Latin countries have some of these habits and rituals from Rome to Madrid, Buenos Aires and Santiago.

We enjoy especially eating all our meals on our outside terrasses, either in Spain or in Bahia.   In Spain even though we have 312 days of sun where we have our second home, we can only eat outside 3 times a day during 5 months in the year.   In Bahia we enjoy eating on our terrasses 3 times a day 365 days a year!

Bahia Terrace dining

Gary and Merri Scott dining with friends from America and Norway on the La Piedra terrace.

This was a big plus in our decision to make Bahia our home.

When eating out we mostly go to place that have open terraces with a view.  Fresh air and pleasant views  are as important as the food itself.

We dress when we eat at home or when going out.  In Bahia we live mostly in shorts and T-shirts yet for dinner at home or out, we avoid being too  casual.  I enjoy Pascale being dressed nicely for dinner as much as the dinner itself.   This is all part of the Arte de Vivre.  Jean Marie Butterlin.

As the global economy pivots…many will feel pain as their purchasing power wanes.  Inflation and higher unemployment do not mean that our lifestyles have to suffer.

Special places like Bahia Ecuador can make sure we can enjoy the Arte de Vivre.

Gary

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