Tag Archive | "condos"

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.

Learn 3 Day Spanish in Ecuador or Mexico

Learn how to speak Spanish in just three days in Cuenca, Ecuador or Playa del Carmen, Mexico.

Super Thinking tactics help us absorb… retain and recall information better and faster.  We prove this in our Super Thinking + Spanish course which teaches how to communicate in Spanish in just three days.

Learn Spanish in Cuenca, Ecuador.  September 7 to 12, 2015.   Enjoy half day Spanish courses and tour Cuenca each afternoon.

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Rock Brown teaches Spanish in Cuenca Ecuador.

Cuenca is Ecuador’s most popular city, a UNESCO World Heritage Trust site because of its many beautiful colonial buildings.  Cuenca has wonderful architecture, tourist attractions, restaurants, hotels and night activity.

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Ecuador Living Club members can enjoy discounts at Cuenca hotels as well.

Learn Spanish in Playa del Carmen, Mexico.

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Super Spanish teachers Shawn and Suzanne Bandick and their children teach Super Spanish in Mexico.

Join the Bandicks November 27, 28 and 29th, 2015 in Playa del Carmen, in the heart of the Riviera Maya on the Mexican Caribbean.  Plan a holiday and include a Spanish course. What better way to practice?  The closest airport is Cancun (CUN), 45 minutes away from Playa del Carmen.

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Playa del Carmen

There are plenty of extra things to do before or after the course.  Playa del Carmen is a very short walk to the beach, stroll the famous 5th ave., go diving and enjoy a multitude of restaurants and cafes.  More beaches are nearby and the Tulum ruins are only 30 minutes south.   Chichen Itza one of the New Wonders of the World and the ruins of Coba are a few hours away.

This course really works!

An M.D. who attended wrote:   We want to thank you plus all the others for making the class such a fun and rewarding experience.   I took Spanish as an undergraduate and lasted two days before dropping the class due to my own anxieties.  Over the years I have tried to learn French, Italian, and Spanish yet again using a variety of methods such as Rosetta Stone, Berlitz etc. and was never successful.  I finally feel like I can be successful at learning to converse at Spanish–in fact already feel successful!  Thanks so much for teaching an old dog some new tricks.  We’re both looking forward to continuing the learning process, having fun doing so, and taking more classes.

See a ten minute video of Gary Scott and Pronunciation coach Don Childs showing how to get started creating Spanish sentences right now.

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Click here for FREE Super Spanish video.

Super Spanish in Ecuador –  September 7 to 12, 2015 –  Single $275 /  Couple $499

Super Spanish Mexico – November 27, 28 and 29th –  Single $275 / Couple $499

The Bandicks and John Fisher have created their own programs using a Super Spanish training from Merri and me.

Unlock the power of your untapped knowledge.

Super Thinking + Spanish course goes beyond just learning to speak Spanish.

There are numerous little known, but scientifically proven ways to enhance the speed, accuracy and efficiency of your decision making process for greater wealth, health and happiness. In just three days you can gain almost amazing learning skills.  Plus you become skilled in Spanish as a bonus.

In just three days?  Sound too good to be true?

This is not a gimmick nor a trick. At least three best selling books, Superlearning, the Mozart Effect and Superlearning 2000 have revealed insights about how we can learn and think more powerfully based on systems drawn from the Bulgarian, Dr. Georgi Lozanov.  In 1980 Superlearning sold over two million copies and showed how the Lozanov learning system blended long-tested sciences of yoga with contemporary physiology and psychology so people could learn faster and better.

The 3 Day Spanish system includes some of Dr. Lozanov’s original work that uses music to integrate brain waves so the process of absorbing, processing and recalling information is vastly accelerated.

Super Spanish in Canada

Shawn and Suzanne Bandick teach Super Spanish in Mexico and Canada.

Here is one more rave from Shawn and Suzanne’s Mexico course.
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The course integrates the use of musci with 17 lessons that teach you over 4,000 Spanish words.

Fluency in a language is considered to come when you know 1,200 words.  To prove that it is possible to gain this and much more, let me share just one of the 17 lessons.

Here are the thousands of Spanish words lesson #1:  All words in Spanish and English that end in ION are almost identical,  just pronounced differently. For example action is accion, education educacion, manipulation, manipulacion, etc.

Now you already literally know hundreds of Spanish nouns.  This is just one of seventeen Spanish lessons you gain. The next lesson teaches you how to pronounce each of these nouns. Then you learn in a third lesson almost as many verbs, almost as quickly.

You also learn how to avoid conjugating verbs by sticking with the infinitive (far easier than it sounds). This simple lesson leaves you sounding like a Spanish professor.

There are many other lessons. For example lesson five shows how to sound infinitely polite and yet get almost anything you want in Spanish. Lesson six gives you the valuable connectors and the seventh lesson triples your Spanish capacity with yesterday, now and tomorrow.

By the end of the three day course you will feel quite comfortable speaking Spanish without stress!

A delegate who learned Super Spanish outlined how this course can help you.   After three days, I can speak Spanish in complete sentences. In simple conversations, such as buying groceries or ordering a meal, I can make myself understood. I think that’s incredible!  Although I am far from the competence level of a native speaker, I feel I’ve taken a giant step forward in learning Spanish so that I can experience the people and culture of Ecuador.  The foregoing benefits would have more than justified the time and money I invested in Super Thinking Super Spanish. And learning Spanish was not the most important benefit I got from the course.  In recent years, I’ve rarely relaxed (No wonder I have had high blood pressure!) .   In class, the past three days, I’ve been introduced to the calming effects of Baroque music.  What a blessing! I’m inclined to make this a daily part of my life.   Rob Christi

The Super Spanish helps you start speaking and understanding Spanish right away.  This can help you speak Spanish faster and make your traditional Spanish course easier and more effective. 

A Livescience.com article helps explain why this course works and how delegates are creating Spanish sentences by the first lunch break and can communicate well in Spanish after just three days.   This article by Jeremy Hsu, LiveScience Senior Writer, is entitled “CIA Seeks Anyone, Anyone Who Can Speak 2 Languages”.

Four important points in the article are shown in excerpts below with my comments to show what has been wrong with traditional Spanish courses and why the Super Thinking tactic is perfect for this program.

This three day course gets you speaking and thinking Spanish all the time so you can use and/or think Spanish every day… and communicating even from the beginning.  In this way the education grows even when Spanish is not being spoken.

The Super Thinking course first integrates the brain.  Students learn better with relaxed concentration. Then the course teaches them 17 simple lessons so they know 4005 words in Spanish and can use them to create sentences. In this way, you can communicate in just three days.

Travel, accommodations and food are not included.

Super Spanish in Ecuador –  September 7 to 12, 2015 –  Single $275 /  Couple $499

Super Spanish Mexico – November 27, 28 and 29th –  Single $275 / Couple $499

Gary

Here are what delegates wrote about a Super Thinking + Spanish seminar. 

“Hi Gary & Merri, You two are the BEST!!! Your Seminar was fantastic! I am so excited. I had procrastinated fulfilling my continuing education for my Broker’s License and then just before my surgeries, I realized by expiration date isn’t Nov. 12th – it is Sept 12th. Well, as you can see prior to taking your course I had only completed 3 units of the required 45 units. I thought I would take your course and then complete my remaining 42 units over the next 2 weeks. However, I took one class exam on Saturday night, August 27th. I didn’t even take the cellophane off the required Course manuals until after I saw the two of you today less than 5 hours ago! I used your techniques and completed 39 units of continuing education today. I have now completed all 45 units. All of my test scores were in the 90.6-96% range. My course exam information is listed below. I just wanted to let you know how valuable your course was to me. Thanks again!” Suzy Kurinsky

Another wrote:  Thanks for the Spanish course.  This technique is truly a breakthrough in learning.  I believe I learned more Spanish in four days than I learned in four weeks in a previously attended Costa Rica language school.  The Costa Rica school taught a very limited number of memorized words and phrases. Ted.

Another delegate at a Super thinking plus Spanish seminar wrote:  The Super Thinking approach exposed us to a broad variety of works and the technique needed to expand the language.  Again, Thanks for the experience.

One attendee wrote: I just wanted to say thank you so much for everything during the seminar. You guys are indeed a shining example of having a business that truly serves others. And thanks for the extra time spent and good things taught to me personally. I have begun to implement them already and will continue to apply them. And you might be interested that waiting for my flight home I ended up sitting next to a woman from Quito and could understand some of what she said in a cell phone conversation. We talked a little and she said that I should visit Ecuador!  Thank you again for your real graciousness and acceptance! I will also write to Merri and thank her as well. And I wish that I could do something for you two!

Another wrote: Thank you!  We  always look forward to spending time and learning about so many fascinating things. Like Minded people and Vivaldi! What could be better?

Another sent this note: Thank you for the wonderful workshop on Super Learning + Spanish!  I really enjoyed the workshop.

Since I returned home, I have purchased some of the CDs of Baroque music and thought about which specific pieces will work best in different parts of my classes.  I am also reading Perfect Health by Deepak Chopra.  I found your discussion of this book to be very helpful in showing how to balance one’s life.  I have adjusted my daily schedule, and I can already notice a difference in my productivity.

Thank you for sending the file of the 4005 Spanish words.  This will be very helpful in my daily review of Spanish.

Another emailed this: Every day I’m becoming more proficient in Spanish.  As I get ready to do something, I think about how I would say it in Spanish.  Thank you again for a Super Workshop!  With love and blessings,

Another: It certainly was an interesting and intriguing four days for me.  I enjoyed the Spanish but even more so, all the tentacles that extended during those four days that went into so many different directions.

I grew up in a very SQUARE box with loving  and intelligent parents but my world remained within this box, unable to see beyond those walls, as I was never encouraged to “think outside the box”..  Mike has been opening doors and leading me outside this box but because of my upbringing I have not completely embraced or understood what was beyond those doors he opened for me.  As I have gotten older I have become more open to the world outside those doors yet those old tapes continue to play and I have not been able to completely release myself and experience all that can be.

Another shared this: Listening to the two of you during our time together has suddenly got me to thinking, and although some of the ideas still seem foreign to me,  I am at a point in my life now where I can say, “anything is possible” and I am now willing to embrace and allow myself to experience the world of possibility and let it take me in directions I may have in the past resisted.  I really don’t know where all this is going to lead me but I am now willing to explore, develop and grow.

I found all the information you offered on healing, realigning the body, nutrition, etc. so fascinating, have you ever thought about doing a course on just that?  With the aging population and the health care issues I think it would be not only an interesting course but one that would be very beneficial to so many.  I, personally, would love to learn more about what you talked about and plan on purchasing the book, “Body Renewal, the Lost Art of Self Healing” for my Kindle.

Thank you again for a wonderful four days!!

Another:  We had fun at Disney World on Monday and sat beside several Personnes Espaniol.  We could understand them however I couldn’t make sentences quickly, but could say one or two word phrases that were understood.  We arrived home at 3am yesterday – the airlines were very late in Denver due to a crew incident.

I found myself making up sentences all day yesterday as I was running errands.  John knows more vocabulary than I at this point as he has studied Spanish previously.  Today I will begin to review the lessons and construct sentences to send to you and the group – as you suggested below.  Es en BUENO sugestion!!!  I also received the email Merri sent with the 4005 words and started to scroll through those yesterday.

Another: Thank YOU for everything you have done to create and bring this wonderful experience to all of us.  It takes a well sychronized team of people to put on an effective, change producing seminar!  I have given many seminars and enjoyed the experience immensely.  The outcome is even better!  Estoy une infantil de Super Thinking and Spanish, y es possible aprender en tiempo.

John and I both thank all of you for the wonderful experience – we are working now to clear up things so we can leave for the Galapagos and Ecuador November 25th – December 20th.  Nosotros tiene muchos appreciacion!  Gracias y Abrazos,

Another:
  Muchas gracias para la informacion!  I had a wonderful time at the Super Learning + Spanish weekend!… excelente!

I was impressed with your depth of knowledge on numerous subjects and your ability to speak about them with exceptional recall.  Con mucho apriciar,  P.S. Yo estoy enteresado en Espanol #2.

One delegate even explained how after our course they ended up as the accidental translator: Gary,  I have sent a couple of messages, and  a story of Mike being able to translate yesterday for a Spanish person  who couldn’t understand what a man was trying to tell him!

We loved the seminar, and are excited to put the super learning to practice, and especially the great company of like-minded people (especially G & M!)  Muchas Gracias!  Tiene an excellante dias.

One delegate communicated entirely in Spanish…. after just our Super Thinking + Spanish seminar: Buenas dias nuestra maestra perfectamente, Merri!   Muchas gracias por la lista espanol.

Claro, David y yo aprendemous mucho espanol el fine de semana pasada. Gary y usted nos hacen espanol muy facil aprender. Es importante continuar a practicar espanol cada dia. Gracias tambien!  Buenas suerte…hasta la vista! Con mucho amor,

Comments from another delegate: I wanted you to know that the Spanish course has proven incredibly helpful. Dealing with internet service providers and shopping for appliances, etc., normally would have required me hiring a translator to follow me around. While it may not be pretty or 100% grammatically correct, I am understood. Thank you!  Saludos!

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Delegates during a relaxation session.

Another a dentist said: I was so delighted with my experience at the Spanish training.  I felt more confident of ability to pronounce Spanish than I ever was of French or German.  Funny… I did not think I remembered any French or German but when I cannot remember the Spanish words the German and French popped up.  Practicing my pronunciation made my trip home go faster. I never enjoyed pronouncing either of the other two, but this was fun. It is hard to fall asleep at the wheel when you are moving your mouth to speak Spanish. It does work your mouth in a different way.  I realized that you have to say each syllable slowly and correctly(until you get it perfectly) and when you do it is impressive.

It was amazing to see us all writing such advanced sentences after a few days and so much more enjoyable than having to go through the alphabet to build the words to build the sentences.

Super Spanish in Ecuador –  September 7 to 12, 2015 –  Single $275 /  Couple $499

Super Spanish Mexico – November 27, 28 and 29th –  Single $275 / Couple $499

 

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

Join an Ecuador farm real estate tour.

You can set the date for your own tour.

This for those who would like to look at Ecuador farm property.

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Imagine having a multi dimensional opportunity like this.

There are opportunities to own an Ecuador farm with a combination of beach front and agriculture.

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Delegates visiting Ecuador farm on beachfront with multi dimensional opportunity.

See three case studies of Ecuador farms… large, medium and small that offer a sustainable, healthy lifestyle and income protected from inflation.

Merri and I have always focused on turning our passions into profit and we all love living on farm land!

Learn to tap root values and create multi dimensional opportunity on a farm is part of the new way of creating a better lifestyle.

Merri and I live on a farm in North Carolina… a orange grove in Florida and  our first Ecuador property purchased many years ago was also agricultural land… over 900 acres… formerly in sugar cane, citrus, pineapples and avocados… the top soil deep and rich.

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Here is a photo of Merri feeding one of our horses.  We still have this hacienda, Rosaspamba, (the place of the roses).

Plus we have added more agricultural land to our portfolio… and are looking to add more.  We love earning from our crops as well as writing seminars and tours.

You can live a wonderful pure lifestyle like this on an Ecuador farm.

Economic history since before WWI suggests that we’ll see the final crunch of this 15 year bear in 2011 and perhaps 2012.  Then the light at the end of the tunnel will appear… slowly at first but picking up a head of steam aiming for the next bubble of something like 2030.

Already the price of farm land globally has been soaring and often in North America is out of reach for individuals.

This is why in the last several years I have been writing about and adding agricultural real estate to one’s portfolio.

There are few places with as much agricultural potential and diversity as Ecuador. It is not surprising that many readers want to own and live on Ecuador farmland.

Ecuador agriculture can offer a better lifestyle and opportunity at an affordable price. 

Sometimes we forget the importance of life’s basics…such as food.  Until those basics cost more than we can afford.

Why Ecuador agriculture is special is explained in a Wall Street Journal article that began: “Prices of farm goods are climbing – in part because of demand for crop-based fuels – pushing up food prices around the world and creating a new source of inflationary pressure. The rise in food prices is already causing distress among consumers in some parts of the world — especially relatively poor nations like India and China. If the trend gathers momentum, it could contribute to slower global growth by forcing consumers to spend less on other items or spurring central banks to fight inflation by raising interest rates.”

This is one of the wonderful benefits of Ecuador agriculture, the extreme supply of excellent but low cost food.

Ecuador is a Garden of Eden and here is a fact you probably did not know. The inhabitants of this region developed more than half the agricultural products that the world eats today. Among these are more than many varieties of corn and potato. These foods also include squash, beans, peppers, peanuts, popcorn, yucca and quinoa.

They even learned to use freezing night temperatures and warm days to freeze dry potatoes and create potato flour.

At the market, three blocks from our hotel where we shop.  Open air restaurants in the front of the market offer excellent meals, vegetarian, or chicken, steak, fish or pork for about $1.

There are numbers of  fresh picked vegetables offered by happy friendly people.

And every type of fruit you can imagine, from pineapple to coconut, papaya, mango, apples, pears, bananas, berries and numerous other tropical fruits all at bargains prices by Western standards and ripe all year round.

Many exotic spices at a 1/20th the cost in the US or Canada. This makes life especially wonderful and inexpensive.

This is why I am pleased that Jean Marie Butterlin is conducting Ecuador real estate tours.  He wrote:  We live now as well in Bahia Ecuador on $2,000 a month as we did in Europe on $10,000 a month.

When you are planning to retire and live the good life, you should look at both parts of the equation, expenses and what you can earn.I have been able to lower my expenses considerably by living in Bahia.  We live in front of the Malecon enjoying the sun 320 days per year.

But the key to retirement is really in the INCOME part of the equation.   How can you generate income without working too hard?

The answer is to have an “outside the box”  plan.  If you do what everybody else does, chances are you’ll earn what everyone else does.

A lot of younger clients on our real estate tours ask  “How can  I generate a little income in Ecuador”?  They say they would move down immediately if they could. This started me thinking  about how to show a few select clients a chance to be part of that world of retirees in Ecuador who work only at what they like.

I have put together a special plan for those seeking to move and earn in Ecuador now!

Here is the plan and here are the facts:

* Every economist is currently saying that agriculture will be the next place to invest because :

  • God is not making more arable land.
  • The world is running out of food.  China has been buying and leasing arable land all over Africa and in South America for example.  A lot of the smart money is going into arable all over the continent.

* Ecuador has some of the cheapest yet best agricultural land in all of South America.  The climate is best for growing as well with 365 days a year of direct sunlight.  In many parts of Ecuador, farmers can get 3 and even 4 harvests per year, depending on the water available on the property.

* However, most Ecuadorian farmers have not yet learned how to produce and manage a farm. They are lacking higher education and management skills as well as equipment.  Some Ecuador farmers still plow with oxen.

*  Many Ecuadorian farmers do not know how to sell and do not treat the farm as a real business.

There is a great opportunity that lies in this combination of cheap, arable land, the geographical place of Ecuador on the equator and lack of good agronomical skills.

This is a tour for those who want to learn about Ecuador farms. and have $50,000 or more to invest in their home and income opportunity.

This tour will be conducted over three long, jam packed days to provide you a low cost efficient way to inspect Ecuador agricultural property that is legitimately for sale at a reasonable price.

Day 1 – 9 am to 6 pm: Detailed presentations by agri engineers and specialists of several type of agri businesses. These presentations  include costs, types of soils for each type of crop, risk analysis, potential profits, timing, where to find the buyers of crops,  introduction to buyers  looking for specific crops.

On the tour we look “outside the box” at crops that can for example produce “biofuel”. We’ll look at land where one company in Manta will buy every available crop at market price.   We know the owners of that company and you will be introduced to them.

Day 2: Visits farms for sale.  Here is one farm we will inspect.  This agri property has 203 hectares (507 acres) divided into:

28 hectares (70 cares) of balsa trees.  In 5 years these will fetch $30,000 a hectare.

30 hectares (75 acres) of African palm trees in production (the nuts fetch $250 per ton).

Ecuador-agricultural-land

– 140 hectares (350 acres) of pasture sufficient for 200 head of cattle or other crops that can produce an excellent return.

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– 3 small

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and one large river along the property with water availability.

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– Close to the main road

Ecuador-agricultural-land

– $6600/hectare ($2,640 an acre) asking including a small casita for caretakers.

Day 3: The tour inspects residential real estate… condos and houses for close to farms in nearby coastal cities including Bahia.

We will have inspected and investigated all properties prior paying special attention to three special issues:

* water on site
* access roads
* good port close

We will only show land that has water in Manabi province near Manta the second largest port in Ecuador.

We will have investigated electricity, pricing and title plus will have speakers during breakfast and dinners who will discuss these  issues and the legal matters pertaining to agri businesses in Ecuador.

These experts will be available for consulting during the tour and later… covering technical matters on which crops are best suited for each soil and what times of the year are best for planting and harvest.  The tour pays special attention to reviewing the marketing aspect of each crop and where to find buyers.

We use our contacts with local people were born in the area… who know the land owners… who know what the “market” price should be and we do not show farmland where the seller is asking an unrealistic price or if there are any doubts about ownership or clear title.

We also provide administration, accounting and legal consultants who will answer questions about owning and running a company in Ecuador, a civil code country and very different from the US and Canada which run on common law.

You can set the date for your own tour.

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

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

Ecuador has many Agricultural Advantages and we have been recommending the idea of investing in Ecuador agriculture for years.

This creates opportunity as well.

Ecuador’s geographical location gives it a distinct advantage in agricultural production. Its exports include asparagus, bananas, broccoli, cocoa, coffee, flowers, hearts of palm, lentils, papaya, passion fruit, pineapple, plantain, mango, red beans, and tomatoes. Ecuador has mainly an agricultural economy, though oil is its largest source of revenue, and industry has expanded. Agriculture employs 32 percent of the workforce. 6.4 million acres is used in agriculture. Permanent pasture covers 17 percent of the total area and forests nearly 43 percent. In the highlands subsistence agriculture and the production of staples for the urban areas are predominant (corn, wheat, barley, potatoes, pulses, and various vegetables). In the coastal lowlands tropical crops are grown to export. Ecuador is the largest exporter of bananas in the world and among the largest exporters of shrimp and roses.

Merri and I have been recommending Ecuador for over 15 years…we have been recommending investing in agricultural property for even longer. Agricultural property in Ecuador makes excellent sense for those who like both ideas.  We are very pleased that Jean Marie has created this excellent tour.  We are happy to share this opportunity with you.

Gary

Included in the price is the tour… the guides and are all local transportation.  Airfare to Ecuador… domestic airfare from Quito to Manta, lodging and meals are NOT included.

You can set the date for your own tour.

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

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

Who Will Benefit From This Tour

Attendees on this tour will range from those who want their own sustainable farm or a full agricultural business.

Three Ecuador Farm Case Studies

Here are three case studies for three Ecuador farms… small… medium and large. (These farms are no longer on the market).

Case Study #1:  A good case study for those looking for a way of life and an income supplement is this  six acre organic tomato farm offered at $85,000 that delegates on on a real estate tour visited.   This shows a perfect little Ecuador retirement operation, so where should we start?

I think it is with the guinea pigs…

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The farm has many of them in these cages.

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Clover on the farm feeds them.  Their manure helps organically fertilize the corn.

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The corn husks are mixed with manure to be used as fertilizer and the corn feeds the…

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pigeons…

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chickens and…

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pigs.

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All of these animals create more organic fertilizer that this farmer uses to grow tomatoes.

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Here is the Ecuador organic farmer with our driver Jorge, Alberto Verdezoto and Peggy Carper.

Tomatoes grow quickly here it seems.  These newly planted organic tomatoes will be ready in three weeks. I find this hard to believe but this is what the farmer said.  Though my Spanish has been known to miss on occasion.

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These will look like…

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this and…

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provide

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income that…

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would provide a nice retirement income… $25,000 a year we are told.

Other benefits include farm fresh eggs.

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Trout are in the ponds next to the pigeon coops.

ecuador-retirement

You can set the date for your own tour.

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

Case Study #2:   This second case study shows a Coffee finca offered for $175,000 for someone who wishes to farm for a good income.

26 acre Inca Mountain Ecuador coffee finca  1 ¾ hour drive from Cotacachi.

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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.

ecuador-farms

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

florida condos

florida condos

florida condos

florida condos

Florida condo

florida condos

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

Advertisement

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.

2015 Schedule

2015 Schedule

Schedule 2015  Seminars and Courses

We conduct our Investment seminar at Jefferson Landing in Jefferson North Carolina.

Join Merri and me for all the courses and seminars that we’ll conduct to help you gain positive solutions to your economic, financial and lifestyle concerns.

Here is the courses we currently have scheduled in 2015. 

Turn $250 into $51,888… in Four Years or Less.

One (of eleven) sessions at our October 17-18, 2015 Value Investment Seminar is about silver and gold and how conditions that created fortunes in 1986 are much the same now.

Turn $250 into $51,888… in Four Years or Less.   If someone offers you this, I would normally say “Run from them as fast as you can!”

Yet in 1986.  This is exactly what I wrote in a report that told how to borrow to buy silver.

I have to admit.  I was wrong.  Readers who followed the report made more than that amount in less than four years.

Here is a photo of that ad in 1986.

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Conditions for silver’s recovery are similar to 1986 now.

The offer in 1986 was for a report called the Silver Dip that showed how to borrow 12,000 British pounds (US$18,600) and use the loan to buy 3835 ounces of silver at around US$4.85 an ounce.

This chart from Kitco (1) tells the story.

Kitco Silver Chart

Silver had crashed in 1986, I mean really crashed, from $48 per ounce.   As prices decreased from early 1983 into 1986, total supply had fallen to  449.7 million ounces in 1986.  Mine production was restricted by the low prices at this time, with silver reaching a low for this period of $4.85 in May 1986. Secondary recovery also was constricted by these low prices.

Then silver’s price skyrocketed to over $11 an ounce within a year. The $12,000 was now worth $42,185.

The loan was in pounds and in May 1986 the dollar pound rate was 1.55 dollars per pound.  So the 12,000 pound loan purchased $18,600 of silver.  The pound then crashed to  1.40 dollars per silver.  The loan could be paid off  for  $13,285 immediately creating a $5,314 profit.  So the profit grew to $47,499 in just a year.

British 12,000 pounds gets US$22,800.  Then the pound crashed again to $1.50 and could be paid off at $15,700 for another $7,660 profit or a total profit of $55,099 in only three years.  Of course there was interest on the 12,000 pound loan, but this was less than 10% or $3,600 for the three years.  In other words, there was $51,599 profit in three years.  That’s remarkably close to the promise.

Yet there is a really big question.  Would we have made this profit, had we taken the loan and invested in the silver?

There was plenty of potential  for loss as well as profit.  After rising from $4.85 to $11 per ounce, the silver price crashed again, clear back to below $5.00 an ounce and the investment was again worth about $12,000.  The British pound fluctuated dramatically against the US dollar so there was plenty of room for loss as well as profit in the currency shifts.

gold chart

Silver & gold charts from stockcharts.com

This historical chart of silver shows why conditions may be set for a spike in the price of silver.   Note in the chart above that the huge profit in 1986 came from the second spike in a head and shoulders pattern.   The bubble peaked in the late 1970s, but traders and commodity conditions sucked speculators back in for what is called a “Dead Cat Bounce”.  This type of price recovery comes for no reason other than the price has fallen so much.

The dead cat bounce created huge and quick profits in 1986.  We have the same scenario for silver prices now.

silver price 5 years

The price of silver reached a speculation driven historic high (over $50 an ounce) about four years ago and has since plummeted to prices that are almost back to 1987 levels.

If history repeats itself, expect silver prices to rise sharply in the next one to three years.  Then there is a great risk that the price will crash again.  Investors can again expect to double, triple, even quadruple their speculation in as little as a year.

But then investors must take that profit!  The profits in silver will be quick and history suggests that these profits will not last long.

This is why the “Silver Dip 2015” will be one of the seven portfolios, the most speculative, we will study at our October 17-18 Investment Seminar in Jefferson, North Carolina..

This is also why I am releasing a new “Silver Dip 2015” report.

This report is exclusively available to subscribers of our Purposeful Investment Course and our Value Investing Seminar delegates.

This silver speculation is so time sensitive with such fast profit (but also loss) potential that I will not offer it to readers who have not received the education in Pi or at the seminar.  We will cover when and who should and should not speculate and how to limit losses and take profits.

silver chart

The same conditions are in place for gold and the Silver Dip looks at both speculations in silver and gold.

There is also another, much safer, once every 30 year opportunity that I have described in 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 good value investments.  The mathematics behind the idea of this investment strategy are currently extraordinary.  Currency diversification has always been important for safety, but right now a multi- currency opportunity is brewing and has more profit potential than we have seen in over three decades.

Our Investing Seminars started 32 years ago when one of the best set of three currency and equity conditions ever existed.  Over these decades, our semi annual seminars have updated what’s going on in global investment markets and what to do.  Yet in all those years, few times have conditions offered as much long term opportunity as in 1982.   The Dow alone rose from 1,000 to 14,000 in that period.

Then the cycle ended.  Warren Buffet 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!

Now three of the great economic conditions have returned.

Conditions have come together just as we saw at our first seminars in the 1980s.  The US dollar, the US stock market and the price of oil are acting almost exactly as they did in the early 1980s.  Knowing these conditions and why they have merged and what to do about them can help you create a fortune.

Learn how to gain this potential (we’ll review three ways to accomplish this at the seminar) in the Keppler Good Value Country Strategy with ETFs (Country Index Exchange Traded Funds).  For example there are currently ten good value developed markets, Australia, Austria, France, Germany, Hong Kong, Italy, Japan, Norway, Singapore and the United Kingdom.  You can easily create a diversified portfolio in each or all of these ten countries with Country Index ETFs.

We review Country Index ETFs at the seminar and look at specific portfolios you can create to tap into these three economic conditions.

Seven Portfolios

We’ll review seven portfolios at the seminar, starting with a Primary Portfolio which consists of equal amounts of country ETFs in each of Keppler’s good value ranked markets, with a weighting of 70% in developed markets and 30% in emerging markets.  This is, an easy to start, very slow trading, safe and secure, worry and stress free portfolio that still has excellent profit potential.

The second and third and fourth portfolios are the Primary Portfolio with trailing stops.  One portfolio uses a 25% trailing stop,  one 20% trailing stop and one uses the smart stop system created by Dr. Richard Smith.  This system  uses algorithms that provide alerts when to sell and when to reenter shares.

The fifth is a derivative of the Primary Portfolio that replaces ETFs with and or includes income producing equities.

The sixth is a Disaster Portfolio to protect wealth if events around the world become really unglued.  The seventh portfolio is the higher risk, leveraged portfolio that includes some speculation in currencies and commodities.

The goal of this study is not to recommend any one portfolio or approach but to help subscribers to understand the characteristics of each so they can better determine how to invest themselves based on their financial means, needs, experience and skills.

Gain the importance of experience & mathematics.  Invest better than a hedge fund manager.

As a run up to my 50th year of speaking and writing about savings and investments around the world I decided to ask my friends who are mathematical and legal geniuses to share a weekend with us to cut through the fog of rapid change and learn how to beat the systems that can seem so bewildering.

Gary Scott

1966

gary scott

2015

Hedge Funds were the fashionable place to invest in the 1990s, but since then their performance has been falling.

However some hedge fund managers succeeded for one simple reason.  A Telegraph article “How can we avoid the next financial crisis?  Urgently listen to those who foresaw this one” explains why  a few managers succeeded, when it said:  It’s no coincidence that the biggest winners of the downturn – John Paulson, Paolo Pellegrini and Jeffrey Greene – were approaching 50 years of age. They retained vivid memories of past real-estate problems.  Youth was a detriment to pulling off the greatest trade ever and to preparing for the downturn.  

The successful hedge fund investors succeeded where most failed because of their experience.

I’ll provide the 50 years of experience at the seminar.  I have been through the rise of gold to over 800 an ounce (in the 1970s) and silver to $48.  I experienced the stock market’s bear that began in 1968, the Black Monday crash in 1987 when the Dow had its biggest one day drop ever and the dotcom bubble as well as the collapse in 2008.  I worked my way though the first dollar devaluation in 1971, the Plaza Accord arranged dollar collapse and two major downturns in the Japanese yen, plus invested through the 1970s, 1980s and late 2000 recessions.

We’ll share how these experiences which prepares us for our investments now.

Michael Keppler provides the Math.

The idea of using math to find good value equity investments led me to ask mathematical analyst, Michael Keppler, to join us in the Blue Ridge for the seminar.

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Michael is a brilliant mathematician.  We have tracked his analysis for over 20 years.   He continually researches international major stock markets and compares their value based on current book to price, cash flow to price, earnings to price, average dividend yield, return on equity and cash flow return.  He compares each stock market’s history.  From this, he develops his Good Value Stock Market Strategy.  His analysis is rational, mathematical and does not cause worry about short term ups and downs.

Red Lining Your Investments

According to Keppler’s analyses, an equally-weighted combination of good value markets offers the highest expectation of long-term risk-adjusted performance.  His mathematical predictions have been eerily accurate as the red line below shows.

Each quarter Michael shares with me (and other professional investors) his “Total Return Predictions”.

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Click on chart to enlarge.

This chart shows the entire real-time forecasting history of Keppler for the KAM Equally-Weighted World Index, he started in 1993.  Keppler continually shows what his mathematical formulas predict for markets four years ahead.  These numbers are based on mathematical relationships between price and value over the previous 15 years moving forward in monthly increments.  In this way Keppler uses numbers to continually adjust to the ever-changing market norm.

Keppler’s chart includes two remarkable episodes.  The first in the period when global equity markets peaked and crashed over a five-year period from 1997  to 2001.  Keppler’s Equally-Weighted World Index predictions stayed above the upper forecast band and accurately predicted the recovery and how much global markets would rise.

The second remarkable period started in October 2008, when again Keppler’s forecasts accurately showed where markets would reach as they fell below the lower forecast band.

Imagine the extra profit professional investors have today when they invested in these depressed good value markets before they again rose.

Keppler’s projections now indicate that global markets are expected to rise from between 2.1%  and 13.0 % in the next three to five years.

Learn about Keppler’s projections and about Asset Allocation from Michael Keppler in person at our Value Investing Seminar October 17 & 18 in Jefferson, North Carolina.  

jefferson Landing

Our October seminar will be at the Jefferson Landing Country Club.

Enjoy the autumn leaf change and learn how to survive and prosper with value investments.

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Jefferson leaf change view.

Learn amazing tax benefits as well.  I have invited my tax preparer, Conrad Oertwig, to join us.  

Seven of tax secrets that Conrad will share include:

* How Dutch-treat entertainment allows you to deduct your own meals.

* How to entertain for business and help the charity of your choice because a charity sporting event produces double the deduction of a business meal.

* How one magic word can allow you to deduct your daily transportation costs between your home and another work location.

* How to earn an extra $11,425  by using antiques as office equipment.

* How to gain $12,976 by using two vehicles for business.

* How to reduce tax by having a second office in the home.

* How to travel by cruise ship and deduct up to $680 a day.

Plucking common sense from the tax law is time consuming and difficult work.  For more than 25 years, Conrad has gained great satisfaction by helping his clients extract tax dollars from the tax law.   He has over 400 tax savings tips and will share some of  the most important lessons at the seminar.

To help you get an early start on tax savings, I will send you Conrad’s report “7 Secrets to Paying Less Tax… for the One-Owner Business” when you enroll in the seminar.  I’ll also send you “The Silver Dip 2015” as soon as it is released.

Join Michael Keppler, Conrad Oertwig, Merri, and me, plus video presentations by Leslie Share, Eric Roseman, Thomas Fischer and Richard Smith.   The “Value Investing Seminar” looks at how to protect purchasing power and pensions with value investing.  The course teaches how to add safety and create profits by spotting multi currency and global equity cycles through good value mathematics.

Get “7 Secrets to Paying Less Tax & The Silver Dip 2015”.  Join us Saturday, Sunday, October 17-18, 2015, Jefferson, North Carolina.  Enroll here $499. Couple $799.

Hear from other speakers via video.  The seminar will include online presentations including:

One way to protect our wealth and freedom is to have a good attorney who understands how to use appropriate planning so you can also be protected rather than hurt by the tax laws.

Leslie Share:  How to use and benefit from US tax law living overseas and for wealth preservation.

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Leslie has been our friend and adviser of more than 30 years, and I have asked him to speak to the seminar online at the October Value Investing seminar.  Leslie is an attorney in Coral Gables, Florida who specializes in general, corporate and international taxation, estate and gift tax planning, internal revenue service matters at the agent and appeals level plus most important, he specializes in wealth preservation.

He has the highest possible Peer Review Rating by Martindale-Hubbell, Florida Super Lawyers and The Best Lawyers in America.

Leslie is the type of attorney who can help gain asset and wealth protection if you live in the US or abroad.

The best way for boomers to protect their wealth is with good value income producing shares.  Not everyone can wait for their assets to grow.  Many need investments that create income now.

Eric Roseman: How to select good value income producing shares.

erci roseman

Eric Roseman

I have worked with Eric for decades and use his ability to select good value income producing shares.  Understanding the intrinsic value of any equity is an elusive concept, but one of the best ways to assess value is by looking at the income it generates.  Eric is a master at sniffing out the shares that provide a good income now as well as potential appreciation later.  Learn from his strategic ideas for current market conditions.

Thomas Fischer:  The impact of  multi currency leverage leverage on portfolios.

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Thomas Fischer has been a friend and investment adviser for nearly two decades.  As a former currency trader in Germany and London, he has a keen sense of currency fundamentals and how and when to use leverage.

Richard Smith: How to overcome the behavior gap with Trailing Stops.

dr richard smith

Dr. Richard Smith, founder and CEO of TradeStops.  Richard earned a PhD in Math and Systems Science, and even he had to learn the hard way that it takes more than intelligence to win in the game of investing.  He has spent the last 10 years researching and developing algorithms and services that give individual investors the tools they need to remain in their personal investing comfort zone, and to succeed!  With his background in mathematical theories of uncertainty combined with his own investing and trading experience, Dr. Smith understands risk management and how to use it as a self-directed investor to master the market.

Finally at the seminar I’ll review the 50 Golden Rules of Investing.  Learn how to protect against shady investment advice, unreasonable and hidden fees.  Learn how to protect yourself from your own emotions.  Learn when it is best to buy shares and determine which type of share is best for you.  Find out how to avoid the loss fear syndrome and stop getting caught by great sounding stories that can rob your wealth.

Share my 50 years of experience. Gain advice that is sterling as we head towards my golden anniversary of writing about saving, finance and investing.  Our value investing seminars are filled with valuable information but we have fun and take time to relax and socialize as well.

We look forward to joining us this October.

Gary

Saturday, Sunday, October 17-18, 2015, Jefferson, North Carolina.

Join Michael Keppler, Conrad Oertwig, Merri and me.  Enroll here $499. Couple $799.

 

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.

ecuador-beach-condos

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.

ecuador-beach-condos

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.

ecuador-beach-condos

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

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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.

SALINAS-CONDOS

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…

SALINAS-CONDOS

some…

SALINAS-CONDOS

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

2015 Schedule

2015 Schedule

Schedule 2015  Seminars and Courses

We conduct our Investment seminar at Jefferson Landing in Jefferson North Carolina.

Join Merri and me for all the courses and seminars that we’ll conduct to help you gain positive solutions to your economic, financial and lifestyle concerns.

Here is the courses we currently have scheduled in 2015. 

Turn $250 into $51,888… in Four Years or Less.

One (of eleven) sessions at our October 17-18, 2015 Value Investment Seminar is about silver and gold and how conditions that created fortunes in 1986 are much the same now.

Turn $250 into $51,888… in Four Years or Less.   If someone offers you this, I would normally say “Run from them as fast as you can!”

Yet in 1986.  This is exactly what I wrote in a report that told how to borrow to buy silver.

I have to admit.  I was wrong.  Readers who followed the report made more than that amount in less than four years.

Here is a photo of that ad in 1986.

Screen Shot 2015-08-01 at 9.53.29 AM

Screen Shot 2015-08-01 at 9.53.41 AM

Conditions for silver’s recovery are similar to 1986 now.

The offer in 1986 was for a report called the Silver Dip that showed how to borrow 12,000 British pounds (US$18,600) and use the loan to buy 3835 ounces of silver at around US$4.85 an ounce.

This chart from Kitco (1) tells the story.

Kitco Silver Chart

Silver had crashed in 1986, I mean really crashed, from $48 per ounce.   As prices decreased from early 1983 into 1986, total supply had fallen to  449.7 million ounces in 1986.  Mine production was restricted by the low prices at this time, with silver reaching a low for this period of $4.85 in May 1986. Secondary recovery also was constricted by these low prices.

Then silver’s price skyrocketed to over $11 an ounce within a year. The $12,000 was now worth $42,185.

The loan was in pounds and in May 1986 the dollar pound rate was 1.55 dollars per pound.  So the 12,000 pound loan purchased $18,600 of silver.  The pound then crashed to  1.40 dollars per silver.  The loan could be paid off  for  $13,285 immediately creating a $5,314 profit.  So the profit grew to $47,499 in just a year.

British 12,000 pounds gets US$22,800.  Then the pound crashed again to $1.50 and could be paid off at $15,700 for another $7,660 profit or a total profit of $55,099 in only three years.  Of course there was interest on the 12,000 pound loan, but this was less than 10% or $3,600 for the three years.  In other words, there was $51,599 profit in three years.  That’s remarkably close to the promise.

Yet there is a really big question.  Would we have made this profit, had we taken the loan and invested in the silver?

There was plenty of potential  for loss as well as profit.  After rising from $4.85 to $11 per ounce, the silver price crashed again, clear back to below $5.00 an ounce and the investment was again worth about $12,000.  The British pound fluctuated dramatically against the US dollar so there was plenty of room for loss as well as profit in the currency shifts.

gold chart

Silver & gold charts from stockcharts.com

This historical chart of silver shows why conditions may be set for a spike in the price of silver.   Note in the chart above that the huge profit in 1986 came from the second spike in a head and shoulders pattern.   The bubble peaked in the late 1970s, but traders and commodity conditions sucked speculators back in for what is called a “Dead Cat Bounce”.  This type of price recovery comes for no reason other than the price has fallen so much.

The dead cat bounce created huge and quick profits in 1986.  We have the same scenario for silver prices now.

silver price 5 years

The price of silver reached a speculation driven historic high (over $50 an ounce) about four years ago and has since plummeted to prices that are almost back to 1987 levels.

If history repeats itself, expect silver prices to rise sharply in the next one to three years.  Then there is a great risk that the price will crash again.  Investors can again expect to double, triple, even quadruple their speculation in as little as a year.

But then investors must take that profit!  The profits in silver will be quick and history suggests that these profits will not last long.

This is why the “Silver Dip 2015” will be one of the seven portfolios, the most speculative, we will study at our October 17-18 Investment Seminar in Jefferson, North Carolina..

This is also why I am releasing a new “Silver Dip 2015” report.

This report is exclusively available to subscribers of our Purposeful Investment Course and our Value Investing Seminar delegates.

This silver speculation is so time sensitive with such fast profit (but also loss) potential that I will not offer it to readers who have not received the education in Pi or at the seminar.  We will cover when and who should and should not speculate and how to limit losses and take profits.

silver chart

The same conditions are in place for gold and the Silver Dip looks at both speculations in silver and gold.

There is also another, much safer, once every 30 year opportunity that I have described in 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 good value investments.  The mathematics behind the idea of this investment strategy are currently extraordinary.  Currency diversification has always been important for safety, but right now a multi- currency opportunity is brewing and has more profit potential than we have seen in over three decades.

Our Investing Seminars started 32 years ago when one of the best set of three currency and equity conditions ever existed.  Over these decades, our semi annual seminars have updated what’s going on in global investment markets and what to do.  Yet in all those years, few times have conditions offered as much long term opportunity as in 1982.   The Dow alone rose from 1,000 to 14,000 in that period.

Then the cycle ended.  Warren Buffet 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!

Now three of the great economic conditions have returned.

Conditions have come together just as we saw at our first seminars in the 1980s.  The US dollar, the US stock market and the price of oil are acting almost exactly as they did in the early 1980s.  Knowing these conditions and why they have merged and what to do about them can help you create a fortune.

Learn how to gain this potential (we’ll review three ways to accomplish this at the seminar) in the Keppler Good Value Country Strategy with ETFs (Country Index Exchange Traded Funds).  For example there are currently ten good value developed markets, Australia, Austria, France, Germany, Hong Kong, Italy, Japan, Norway, Singapore and the United Kingdom.  You can easily create a diversified portfolio in each or all of these ten countries with Country Index ETFs.

We review Country Index ETFs at the seminar and look at specific portfolios you can create to tap into these three economic conditions.

Seven Portfolios

We’ll review seven portfolios at the seminar, starting with a Primary Portfolio which consists of equal amounts of country ETFs in each of Keppler’s good value ranked markets, with a weighting of 70% in developed markets and 30% in emerging markets.  This is, an easy to start, very slow trading, safe and secure, worry and stress free portfolio that still has excellent profit potential.

The second and third and fourth portfolios are the Primary Portfolio with trailing stops.  One portfolio uses a 25% trailing stop,  one 20% trailing stop and one uses the smart stop system created by Dr. Richard Smith.  This system  uses algorithms that provide alerts when to sell and when to reenter shares.

The fifth is a derivative of the Primary Portfolio that replaces ETFs with and or includes income producing equities.

The sixth is a Disaster Portfolio to protect wealth if events around the world become really unglued.  The seventh portfolio is the higher risk, leveraged portfolio that includes some speculation in currencies and commodities.

The goal of this study is not to recommend any one portfolio or approach but to help subscribers to understand the characteristics of each so they can better determine how to invest themselves based on their financial means, needs, experience and skills.

Gain the importance of experience & mathematics.  Invest better than a hedge fund manager.

As a run up to my 50th year of speaking and writing about savings and investments around the world I decided to ask my friends who are mathematical and legal geniuses to share a weekend with us to cut through the fog of rapid change and learn how to beat the systems that can seem so bewildering.

Gary Scott

1966

gary scott

2015

Hedge Funds were the fashionable place to invest in the 1990s, but since then their performance has been falling.

However some hedge fund managers succeeded for one simple reason.  A Telegraph article “How can we avoid the next financial crisis?  Urgently listen to those who foresaw this one” explains why  a few managers succeeded, when it said:  It’s no coincidence that the biggest winners of the downturn – John Paulson, Paolo Pellegrini and Jeffrey Greene – were approaching 50 years of age. They retained vivid memories of past real-estate problems.  Youth was a detriment to pulling off the greatest trade ever and to preparing for the downturn.  

The successful hedge fund investors succeeded where most failed because of their experience.

I’ll provide the 50 years of experience at the seminar.  I have been through the rise of gold to over 800 an ounce (in the 1970s) and silver to $48.  I experienced the stock market’s bear that began in 1968, the Black Monday crash in 1987 when the Dow had its biggest one day drop ever and the dotcom bubble as well as the collapse in 2008.  I worked my way though the first dollar devaluation in 1971, the Plaza Accord arranged dollar collapse and two major downturns in the Japanese yen, plus invested through the 1970s, 1980s and late 2000 recessions.

We’ll share how these experiences which prepares us for our investments now.

Michael Keppler provides the Math.

The idea of using math to find good value equity investments led me to ask mathematical analyst, Michael Keppler, to join us in the Blue Ridge for the seminar.

Fwd: keppler

Michael is a brilliant mathematician.  We have tracked his analysis for over 20 years.   He continually researches international major stock markets and compares their value based on current book to price, cash flow to price, earnings to price, average dividend yield, return on equity and cash flow return.  He compares each stock market’s history.  From this, he develops his Good Value Stock Market Strategy.  His analysis is rational, mathematical and does not cause worry about short term ups and downs.

Red Lining Your Investments

According to Keppler’s analyses, an equally-weighted combination of good value markets offers the highest expectation of long-term risk-adjusted performance.  His mathematical predictions have been eerily accurate as the red line below shows.

Each quarter Michael shares with me (and other professional investors) his “Total Return Predictions”.

Screen Shot 2015-07-16 at 7.23.02 PM

Click on chart to enlarge.

This chart shows the entire real-time forecasting history of Keppler for the KAM Equally-Weighted World Index, he started in 1993.  Keppler continually shows what his mathematical formulas predict for markets four years ahead.  These numbers are based on mathematical relationships between price and value over the previous 15 years moving forward in monthly increments.  In this way Keppler uses numbers to continually adjust to the ever-changing market norm.

Keppler’s chart includes two remarkable episodes.  The first in the period when global equity markets peaked and crashed over a five-year period from 1997  to 2001.  Keppler’s Equally-Weighted World Index predictions stayed above the upper forecast band and accurately predicted the recovery and how much global markets would rise.

The second remarkable period started in October 2008, when again Keppler’s forecasts accurately showed where markets would reach as they fell below the lower forecast band.

Imagine the extra profit professional investors have today when they invested in these depressed good value markets before they again rose.

Keppler’s projections now indicate that global markets are expected to rise from between 2.1%  and 13.0 % in the next three to five years.

Learn about Keppler’s projections and about Asset Allocation from Michael Keppler in person at our Value Investing Seminar October 17 & 18 in Jefferson, North Carolina.  

jefferson Landing

Our October seminar will be at the Jefferson Landing Country Club.

Enjoy the autumn leaf change and learn how to survive and prosper with value investments.

garyascott- leaf - change

Jefferson leaf change view.

Learn amazing tax benefits as well.  I have invited my tax preparer, Conrad Oertwig, to join us.  

Seven of tax secrets that Conrad will share include:

* How Dutch-treat entertainment allows you to deduct your own meals.

* How to entertain for business and help the charity of your choice because a charity sporting event produces double the deduction of a business meal.

* How one magic word can allow you to deduct your daily transportation costs between your home and another work location.

* How to earn an extra $11,425  by using antiques as office equipment.

* How to gain $12,976 by using two vehicles for business.

* How to reduce tax by having a second office in the home.

* How to travel by cruise ship and deduct up to $680 a day.

Plucking common sense from the tax law is time consuming and difficult work.  For more than 25 years, Conrad has gained great satisfaction by helping his clients extract tax dollars from the tax law.   He has over 400 tax savings tips and will share some of  the most important lessons at the seminar.

To help you get an early start on tax savings, I will send you Conrad’s report “7 Secrets to Paying Less Tax… for the One-Owner Business” when you enroll in the seminar.  I’ll also send you “The Silver Dip 2015” as soon as it is released.

Join Michael Keppler, Conrad Oertwig, Merri, and me, plus video presentations by Leslie Share, Eric Roseman, Thomas Fischer and Richard Smith.   The “Value Investing Seminar” looks at how to protect purchasing power and pensions with value investing.  The course teaches how to add safety and create profits by spotting multi currency and global equity cycles through good value mathematics.

Get “7 Secrets to Paying Less Tax & The Silver Dip 2015”.  Join us Saturday, Sunday, October 17-18, 2015, Jefferson, North Carolina.  Enroll here $499. Couple $799.

Hear from other speakers via video.  The seminar will include online presentations including:

One way to protect our wealth and freedom is to have a good attorney who understands how to use appropriate planning so you can also be protected rather than hurt by the tax laws.

Leslie Share:  How to use and benefit from US tax law living overseas and for wealth preservation.

les-share

Leslie has been our friend and adviser of more than 30 years, and I have asked him to speak to the seminar online at the October Value Investing seminar.  Leslie is an attorney in Coral Gables, Florida who specializes in general, corporate and international taxation, estate and gift tax planning, internal revenue service matters at the agent and appeals level plus most important, he specializes in wealth preservation.

He has the highest possible Peer Review Rating by Martindale-Hubbell, Florida Super Lawyers and The Best Lawyers in America.

Leslie is the type of attorney who can help gain asset and wealth protection if you live in the US or abroad.

The best way for boomers to protect their wealth is with good value income producing shares.  Not everyone can wait for their assets to grow.  Many need investments that create income now.

Eric Roseman: How to select good value income producing shares.

erci roseman

Eric Roseman

I have worked with Eric for decades and use his ability to select good value income producing shares.  Understanding the intrinsic value of any equity is an elusive concept, but one of the best ways to assess value is by looking at the income it generates.  Eric is a master at sniffing out the shares that provide a good income now as well as potential appreciation later.  Learn from his strategic ideas for current market conditions.

Thomas Fischer:  The impact of  multi currency leverage leverage on portfolios.

thomas-fischer

Thomas Fischer has been a friend and investment adviser for nearly two decades.  As a former currency trader in Germany and London, he has a keen sense of currency fundamentals and how and when to use leverage.

Richard Smith: How to overcome the behavior gap with Trailing Stops.

dr richard smith

Dr. Richard Smith, founder and CEO of TradeStops.  Richard earned a PhD in Math and Systems Science, and even he had to learn the hard way that it takes more than intelligence to win in the game of investing.  He has spent the last 10 years researching and developing algorithms and services that give individual investors the tools they need to remain in their personal investing comfort zone, and to succeed!  With his background in mathematical theories of uncertainty combined with his own investing and trading experience, Dr. Smith understands risk management and how to use it as a self-directed investor to master the market.

Finally at the seminar I’ll review the 50 Golden Rules of Investing.  Learn how to protect against shady investment advice, unreasonable and hidden fees.  Learn how to protect yourself from your own emotions.  Learn when it is best to buy shares and determine which type of share is best for you.  Find out how to avoid the loss fear syndrome and stop getting caught by great sounding stories that can rob your wealth.

Share my 50 years of experience. Gain advice that is sterling as we head towards my golden anniversary of writing about saving, finance and investing.  Our value investing seminars are filled with valuable information but we have fun and take time to relax and socialize as well.

We look forward to joining us this October.

Gary

Saturday, Sunday, October 17-18, 2015, Jefferson, North Carolina.

Join Michael Keppler, Conrad Oertwig, Merri and me.  Enroll here $499. Couple $799.

 

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

2015 Schedule

2015 Schedule

Schedule 2015  Seminars and Courses

We conduct our Investment seminar at Jefferson Landing in Jefferson North Carolina.

Join Merri and me for all the courses and seminars that we’ll conduct to help you gain positive solutions to your economic, financial and lifestyle concerns.

Here is the courses we currently have scheduled in 2015. 

Turn $250 into $51,888… in Four Years or Less.

One (of eleven) sessions at our October 17-18, 2015 Value Investment Seminar is about silver and gold and how conditions that created fortunes in 1986 are much the same now.

Turn $250 into $51,888… in Four Years or Less.   If someone offers you this, I would normally say “Run from them as fast as you can!”

Yet in 1986.  This is exactly what I wrote in a report that told how to borrow to buy silver.

I have to admit.  I was wrong.  Readers who followed the report made more than that amount in less than four years.

Here is a photo of that ad in 1986.

Screen Shot 2015-08-01 at 9.53.29 AM

Screen Shot 2015-08-01 at 9.53.41 AM

Conditions for silver’s recovery are similar to 1986 now.

The offer in 1986 was for a report called the Silver Dip that showed how to borrow 12,000 British pounds (US$18,600) and use the loan to buy 3835 ounces of silver at around US$4.85 an ounce.

This chart from Kitco (1) tells the story.

Kitco Silver Chart

Silver had crashed in 1986, I mean really crashed, from $48 per ounce.   As prices decreased from early 1983 into 1986, total supply had fallen to  449.7 million ounces in 1986.  Mine production was restricted by the low prices at this time, with silver reaching a low for this period of $4.85 in May 1986. Secondary recovery also was constricted by these low prices.

Then silver’s price skyrocketed to over $11 an ounce within a year. The $12,000 was now worth $42,185.

The loan was in pounds and in May 1986 the dollar pound rate was 1.55 dollars per pound.  So the 12,000 pound loan purchased $18,600 of silver.  The pound then crashed to  1.40 dollars per silver.  The loan could be paid off  for  $13,285 immediately creating a $5,314 profit.  So the profit grew to $47,499 in just a year.

British 12,000 pounds gets US$22,800.  Then the pound crashed again to $1.50 and could be paid off at $15,700 for another $7,660 profit or a total profit of $55,099 in only three years.  Of course there was interest on the 12,000 pound loan, but this was less than 10% or $3,600 for the three years.  In other words, there was $51,599 profit in three years.  That’s remarkably close to the promise.

Yet there is a really big question.  Would we have made this profit, had we taken the loan and invested in the silver?

There was plenty of potential  for loss as well as profit.  After rising from $4.85 to $11 per ounce, the silver price crashed again, clear back to below $5.00 an ounce and the investment was again worth about $12,000.  The British pound fluctuated dramatically against the US dollar so there was plenty of room for loss as well as profit in the currency shifts.

gold chart

Silver & gold charts from stockcharts.com

This historical chart of silver shows why conditions may be set for a spike in the price of silver.   Note in the chart above that the huge profit in 1986 came from the second spike in a head and shoulders pattern.   The bubble peaked in the late 1970s, but traders and commodity conditions sucked speculators back in for what is called a “Dead Cat Bounce”.  This type of price recovery comes for no reason other than the price has fallen so much.

The dead cat bounce created huge and quick profits in 1986.  We have the same scenario for silver prices now.

silver price 5 years

The price of silver reached a speculation driven historic high (over $50 an ounce) about four years ago and has since plummeted to prices that are almost back to 1987 levels.

If history repeats itself, expect silver prices to rise sharply in the next one to three years.  Then there is a great risk that the price will crash again.  Investors can again expect to double, triple, even quadruple their speculation in as little as a year.

But then investors must take that profit!  The profits in silver will be quick and history suggests that these profits will not last long.

This is why the “Silver Dip 2015” will be one of the seven portfolios, the most speculative, we will study at our October 17-18 Investment Seminar in Jefferson, North Carolina..

This is also why I am releasing a new “Silver Dip 2015” report.

This report is exclusively available to subscribers of our Purposeful Investment Course and our Value Investing Seminar delegates.

This silver speculation is so time sensitive with such fast profit (but also loss) potential that I will not offer it to readers who have not received the education in Pi or at the seminar.  We will cover when and who should and should not speculate and how to limit losses and take profits.

silver chart

The same conditions are in place for gold and the Silver Dip looks at both speculations in silver and gold.

There is also another, much safer, once every 30 year opportunity that I have described in 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 good value investments.  The mathematics behind the idea of this investment strategy are currently extraordinary.  Currency diversification has always been important for safety, but right now a multi- currency opportunity is brewing and has more profit potential than we have seen in over three decades.

Our Investing Seminars started 32 years ago when one of the best set of three currency and equity conditions ever existed.  Over these decades, our semi annual seminars have updated what’s going on in global investment markets and what to do.  Yet in all those years, few times have conditions offered as much long term opportunity as in 1982.   The Dow alone rose from 1,000 to 14,000 in that period.

Then the cycle ended.  Warren Buffet 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!

Now three of the great economic conditions have returned.

Conditions have come together just as we saw at our first seminars in the 1980s.  The US dollar, the US stock market and the price of oil are acting almost exactly as they did in the early 1980s.  Knowing these conditions and why they have merged and what to do about them can help you create a fortune.

Learn how to gain this potential (we’ll review three ways to accomplish this at the seminar) in the Keppler Good Value Country Strategy with ETFs (Country Index Exchange Traded Funds).  For example there are currently ten good value developed markets, Australia, Austria, France, Germany, Hong Kong, Italy, Japan, Norway, Singapore and the United Kingdom.  You can easily create a diversified portfolio in each or all of these ten countries with Country Index ETFs.

We review Country Index ETFs at the seminar and look at specific portfolios you can create to tap into these three economic conditions.

Seven Portfolios

We’ll review seven portfolios at the seminar, starting with a Primary Portfolio which consists of equal amounts of country ETFs in each of Keppler’s good value ranked markets, with a weighting of 70% in developed markets and 30% in emerging markets.  This is, an easy to start, very slow trading, safe and secure, worry and stress free portfolio that still has excellent profit potential.

The second and third and fourth portfolios are the Primary Portfolio with trailing stops.  One portfolio uses a 25% trailing stop,  one 20% trailing stop and one uses the smart stop system created by Dr. Richard Smith.  This system  uses algorithms that provide alerts when to sell and when to reenter shares.

The fifth is a derivative of the Primary Portfolio that replaces ETFs with and or includes income producing equities.

The sixth is a Disaster Portfolio to protect wealth if events around the world become really unglued.  The seventh portfolio is the higher risk, leveraged portfolio that includes some speculation in currencies and commodities.

The goal of this study is not to recommend any one portfolio or approach but to help subscribers to understand the characteristics of each so they can better determine how to invest themselves based on their financial means, needs, experience and skills.

Gain the importance of experience & mathematics.  Invest better than a hedge fund manager.

As a run up to my 50th year of speaking and writing about savings and investments around the world I decided to ask my friends who are mathematical and legal geniuses to share a weekend with us to cut through the fog of rapid change and learn how to beat the systems that can seem so bewildering.

Gary Scott

1966

gary scott

2015

Hedge Funds were the fashionable place to invest in the 1990s, but since then their performance has been falling.

However some hedge fund managers succeeded for one simple reason.  A Telegraph article “How can we avoid the next financial crisis?  Urgently listen to those who foresaw this one” explains why  a few managers succeeded, when it said:  It’s no coincidence that the biggest winners of the downturn – John Paulson, Paolo Pellegrini and Jeffrey Greene – were approaching 50 years of age. They retained vivid memories of past real-estate problems.  Youth was a detriment to pulling off the greatest trade ever and to preparing for the downturn.  

The successful hedge fund investors succeeded where most failed because of their experience.

I’ll provide the 50 years of experience at the seminar.  I have been through the rise of gold to over 800 an ounce (in the 1970s) and silver to $48.  I experienced the stock market’s bear that began in 1968, the Black Monday crash in 1987 when the Dow had its biggest one day drop ever and the dotcom bubble as well as the collapse in 2008.  I worked my way though the first dollar devaluation in 1971, the Plaza Accord arranged dollar collapse and two major downturns in the Japanese yen, plus invested through the 1970s, 1980s and late 2000 recessions.

We’ll share how these experiences which prepares us for our investments now.

Michael Keppler provides the Math.

The idea of using math to find good value equity investments led me to ask mathematical analyst, Michael Keppler, to join us in the Blue Ridge for the seminar.

Fwd: keppler

Michael is a brilliant mathematician.  We have tracked his analysis for over 20 years.   He continually researches international major stock markets and compares their value based on current book to price, cash flow to price, earnings to price, average dividend yield, return on equity and cash flow return.  He compares each stock market’s history.  From this, he develops his Good Value Stock Market Strategy.  His analysis is rational, mathematical and does not cause worry about short term ups and downs.

Red Lining Your Investments

According to Keppler’s analyses, an equally-weighted combination of good value markets offers the highest expectation of long-term risk-adjusted performance.  His mathematical predictions have been eerily accurate as the red line below shows.

Each quarter Michael shares with me (and other professional investors) his “Total Return Predictions”.

Screen Shot 2015-07-16 at 7.23.02 PM

Click on chart to enlarge.

This chart shows the entire real-time forecasting history of Keppler for the KAM Equally-Weighted World Index, he started in 1993.  Keppler continually shows what his mathematical formulas predict for markets four years ahead.  These numbers are based on mathematical relationships between price and value over the previous 15 years moving forward in monthly increments.  In this way Keppler uses numbers to continually adjust to the ever-changing market norm.

Keppler’s chart includes two remarkable episodes.  The first in the period when global equity markets peaked and crashed over a five-year period from 1997  to 2001.  Keppler’s Equally-Weighted World Index predictions stayed above the upper forecast band and accurately predicted the recovery and how much global markets would rise.

The second remarkable period started in October 2008, when again Keppler’s forecasts accurately showed where markets would reach as they fell below the lower forecast band.

Imagine the extra profit professional investors have today when they invested in these depressed good value markets before they again rose.

Keppler’s projections now indicate that global markets are expected to rise from between 2.1%  and 13.0 % in the next three to five years.

Learn about Keppler’s projections and about Asset Allocation from Michael Keppler in person at our Value Investing Seminar October 17 & 18 in Jefferson, North Carolina.  

jefferson Landing

Our October seminar will be at the Jefferson Landing Country Club.

Enjoy the autumn leaf change and learn how to survive and prosper with value investments.

garyascott- leaf - change

Jefferson leaf change view.

Learn amazing tax benefits as well.  I have invited my tax preparer, Conrad Oertwig, to join us.  

Seven of tax secrets that Conrad will share include:

* How Dutch-treat entertainment allows you to deduct your own meals.

* How to entertain for business and help the charity of your choice because a charity sporting event produces double the deduction of a business meal.

* How one magic word can allow you to deduct your daily transportation costs between your home and another work location.

* How to earn an extra $11,425  by using antiques as office equipment.

* How to gain $12,976 by using two vehicles for business.

* How to reduce tax by having a second office in the home.

* How to travel by cruise ship and deduct up to $680 a day.

Plucking common sense from the tax law is time consuming and difficult work.  For more than 25 years, Conrad has gained great satisfaction by helping his clients extract tax dollars from the tax law.   He has over 400 tax savings tips and will share some of  the most important lessons at the seminar.

To help you get an early start on tax savings, I will send you Conrad’s report “7 Secrets to Paying Less Tax… for the One-Owner Business” when you enroll in the seminar.  I’ll also send you “The Silver Dip 2015” as soon as it is released.

Join Michael Keppler, Conrad Oertwig, Merri, and me, plus video presentations by Leslie Share, Eric Roseman, Thomas Fischer and Richard Smith.   The “Value Investing Seminar” looks at how to protect purchasing power and pensions with value investing.  The course teaches how to add safety and create profits by spotting multi currency and global equity cycles through good value mathematics.

Get “7 Secrets to Paying Less Tax & The Silver Dip 2015”.  Join us Saturday, Sunday, October 17-18, 2015, Jefferson, North Carolina.  Enroll here $499. Couple $799.

Hear from other speakers via video.  The seminar will include online presentations including:

One way to protect our wealth and freedom is to have a good attorney who understands how to use appropriate planning so you can also be protected rather than hurt by the tax laws.

Leslie Share:  How to use and benefit from US tax law living overseas and for wealth preservation.

les-share

Leslie has been our friend and adviser of more than 30 years, and I have asked him to speak to the seminar online at the October Value Investing seminar.  Leslie is an attorney in Coral Gables, Florida who specializes in general, corporate and international taxation, estate and gift tax planning, internal revenue service matters at the agent and appeals level plus most important, he specializes in wealth preservation.

He has the highest possible Peer Review Rating by Martindale-Hubbell, Florida Super Lawyers and The Best Lawyers in America.

Leslie is the type of attorney who can help gain asset and wealth protection if you live in the US or abroad.

The best way for boomers to protect their wealth is with good value income producing shares.  Not everyone can wait for their assets to grow.  Many need investments that create income now.

Eric Roseman: How to select good value income producing shares.

erci roseman

Eric Roseman

I have worked with Eric for decades and use his ability to select good value income producing shares.  Understanding the intrinsic value of any equity is an elusive concept, but one of the best ways to assess value is by looking at the income it generates.  Eric is a master at sniffing out the shares that provide a good income now as well as potential appreciation later.  Learn from his strategic ideas for current market conditions.

Thomas Fischer:  The impact of  multi currency leverage leverage on portfolios.

thomas-fischer

Thomas Fischer has been a friend and investment adviser for nearly two decades.  As a former currency trader in Germany and London, he has a keen sense of currency fundamentals and how and when to use leverage.

Richard Smith: How to overcome the behavior gap with Trailing Stops.

dr richard smith

Dr. Richard Smith, founder and CEO of TradeStops.  Richard earned a PhD in Math and Systems Science, and even he had to learn the hard way that it takes more than intelligence to win in the game of investing.  He has spent the last 10 years researching and developing algorithms and services that give individual investors the tools they need to remain in their personal investing comfort zone, and to succeed!  With his background in mathematical theories of uncertainty combined with his own investing and trading experience, Dr. Smith understands risk management and how to use it as a self-directed investor to master the market.

Finally at the seminar I’ll review the 50 Golden Rules of Investing.  Learn how to protect against shady investment advice, unreasonable and hidden fees.  Learn how to protect yourself from your own emotions.  Learn when it is best to buy shares and determine which type of share is best for you.  Find out how to avoid the loss fear syndrome and stop getting caught by great sounding stories that can rob your wealth.

Share my 50 years of experience. Gain advice that is sterling as we head towards my golden anniversary of writing about saving, finance and investing.  Our value investing seminars are filled with valuable information but we have fun and take time to relax and socialize as well.

We look forward to joining us this October.

Gary

Saturday, Sunday, October 17-18, 2015, Jefferson, North Carolina.

Join Michael Keppler, Conrad Oertwig, Merri and me.  Enroll here $499. Couple $799.

 

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

What R U Going to Do?

If you live in Ecuador or anywhere abroad you’ll want to remain busy.   See how to gain opportunity in Ecuador exports.
In World’s Eyes, Much Damage Is Already Done

Beat Inflation in Bahia


Low prices and increased construction can help you beat inflation in Bahia.

Inflation is pushing  a comfortable beachfront lifestyle out of the reach of many North Americans.  This is not so in Bahia, Ecuador where there is great expansion.

The first new building completed since Bahia’s earthquake in Bahia de Caraquez Ecuador is complete.

bahia-ecuador-condos

Bahia is a special town with a rich sophisticated culture, that came as the coastal population developed a tradition of sending their children to study abroad. This created a great cultural diversity that was enhanced by the residents of Quito who used Bahia as their beach resort.

This caused Bahia property to become some of the most valuable on Ecuador’s coast. Then an earthquake struck and devastated the town and the Bahia  economy.  Prices tumbled to a tenth their former prices.

The population took this as a sign and remodeled this city into one in union with nature’s forces.

In 1999 Bahia was named the first Ecological City of Ecuador due to its innovative recycling program with garbage pick up every day.  Street sweepers still sweep the street daily with brooms.

Bahia has rebuilt slowly but solidly so today its rich culture, the hospital and many clinics and several private and public schools and colleges make it an ideal place.

Now Bahia is ready to expand and is growing rapidly.  The local airport is likely to expand and Manta’s airport is just over an hour away makes Bahia convenient for reaching any part of Ecuador and Quito’s International Airport.

Yet many never leave since all the good things in life are here.   Bahia has a farmers market every day with fresh fruit and seafood including shrimp for $1.50 per pound or langostinos and lump crab meat for $4 per pound.

Bahia is also a safe place to be.  Bahia has one of the lowest crime rates of all of Ecuador.  Bahia is our shopping town in Ecuador and is one reason why Merri and I chose our beach apartment on the beach of San Clemente… a small fishing village near Bahia.

So it is not surprising that jean Marie Butterlin who originally joined us in Cotacachi also moved to Bahia.

Here Jean Marie reports on his new Bahia home.

bahia-ecuador-condos

First New Construction Project in Bahia in 12 Years

Jean Marie Butterlin

Bahia is becoming more and more popular and getting a lot more attention ; A year ago on our coastal tour we had about 65 apartments for sale in Bahia (we showed to our delegates about the 10 best we had) ; in March we had only 5 left to show that were suitable for expats.
After the earthquake hit in the late 90’s, all new constructions stopped and no condos were built since then.

The apartments available for sale in the resale market are usually 13 to 17 years old and need some refurbishings ; they were built for wealthy Ecuadorian families that came from Quito for their vacations about 3 times a year ; they are usually pretty big (4 bedrooms and about 180 m2/1,900 sq.ft) and sell for about $65 to $68/sq.ft. when located in premium beach areas.
I have been looking for more than 3 years to buy a condo in Bahia and never could find the right size, right price, or right ocean view.

I had almost found a condo in November, that was on the market for just 5 days but when I made the offer, it had sold one hour before. Before making the offer, I took a bit of time to get a quote for the remodeling to American or European standards i.e. new kitchen, wooden floors, new bathrooms ; this amounted to about $15/sq.ft for a total cost of $80/sq.ft but I lost the deal….

Then one day Pascale and I saw a big sign just in front of the Hotel La Piedra on an empty lot facing the ocean and the bay showing a picture of a new construction building. Later that evening I met by pure luck the owner, while waiting at the Manta Airport for my flight to Quito. Coincidence ?

This new construction building told me that what I had felt for over 2 years about Bahia and its development was about to come to fruition; but as of today it is still the only new building in town and I feel that the condos will increase in value quite quickly.

That was last December and here is why I bought an apartment in that new project :

1) The price at $81/sq.ft for a new construction was just $1/sq.ft higher than what I would pay for a used remodeled apartment. That was a no-brainer to me !

2) The location : the view on both the ocean and the bay are just what I was looking for.

3) The finishings are much better than what I expected to get in Bahia with huge terraces on all sides, hard wood floors, American kitchen with hardwood cabinets.

4) Right size : Most apartments had the size I was looking for (2 or 3 bedrooms and about 1,200 sq.ft)

5) I got a free membership to the Tennis club ($1,500)

6) It has amenities that no other building in Bahia delivers i.e. desalinization water system, own generator, 2 pools and jacuzzi on the top floor, nice lobby like a luxury hotel, with outside glass elevator facing the ocean ; 24/7 security, magnetic cards system, underground garage, bodega, etc…

7) It is an income generating apartment : the Hotel La Piedra will rent out your apartment, when empty and do all the cleaning etc… you can also rent it yourself during the High Season (30 to 40 days/year) and could make about 6% on your money during that time.

When I bought  last December, I got pre-construction price ; when I came back in February construction had not started yet and when I saw that prices in the used market were starting to rise, I bought a second smaller apartment just for investment because I knew prices would go up by 10% one week later, when construction was set to start. Now the price I got on that second new condo was lower than a similar used/remodeled apartment. (I took advantage of that little price distortion.)

We had a few delegates, who bought in that project at pre-construction prices in the last few months and they have already locked in a 10% profit ; right now construction is well under way, and the building should be finished by December.There are only a few units left ; however, the builder is giving EL premium subscribers and delegates on our next coastal tour a $4,000 custom furniture allowance. There is also a 4% discount available for a 50% cash upfront payment.See the project at :  www.oceanbaytowers.com

Jean Marie

Inflation is here… but is not so bad in Ecuador… where a great lifestyle in the mountains or on the seas is still affordable.

Gary

Learn many ways to beat inflation though… an international micro business…. global investing…. fixer upper real estate… commodities and more at our upcoming International Investing & Business Seminar.

Ecuador Real Estate and Values of Space in Ecuador

Ecuador real estate gains added value because technology changes utility in many ways beyond green. This is why Ecuador real estate offers such opportunity for wealth and beauty now.

Yesterday’s message looked at Ecuador real estate and the kitchen of one Barro Viejo property our last Ecuador real estate tour viewed. Low cost air fares, broadband and almost free communications alter the values of distance and make it possible to live in year round, balmy weather and sun in a dream home that is no longer affordable up north. An example is this property we viewed on our last Ecuador real estate tour.

Few of us can afford such a property with phenomenal views nestled in the hills.

Yet here prices are still afordable and such properties have features only the super rich can now afford…such as arches.

From the first entrance of this “House of the Sun” there are arches everywhere.

The arch has altered the value of space for milenniums. In addition to being one of the oldest structural innovations that has advanced mankind, what can an arch do or mean?

First, arches can create charm. Too bad most people up north can no longer afford this feature. I wonder what this does to the northern soul?

Next they mean an invitation to the softness of Mother Nature. As Barro Viejo puts it, “Man is the only creature that chooses to live in a square”.

Arches add frameworks for visions beyond….

And added attractions to look through space from colorful, comfortable thick walled, breathing, adobe walled rooms.

Arches also grace doors.

And the solid all hard wood doors of Ecuador are another feature that most northerners now miss.

Arches open the way into warmth.

Arches even enhance the out of doors.

Plus add romance and even mystery. Where does this room lead?

Technology makes the space in Ecuador even more attainable than nearby, because prices here are still so low. Ecuador is a new utility that provides modern, but warm and wonderful buildings with arches and more for less.

Plus people are having fun as they discover this truth. Here is what several who have been here in the last months have shared.

“Hi Merri, I have been meaning to share a great compliment with you. Everyone in the group I brought said that they thought La Mirage was beautiful but they were really happy that they stayed with you guys. You and I know that energy is the key and you and Gary have created the place to be. Love and miss you and hope this brought a positive smile to your face today. Please share this with Gary. When are you coming back to NC? Sandi”

“Hi Merri and Gary, Just wanted to say thanks for a wonderful 12 days. Lisa and I had a great time. Lisa’s mother got her flowers today and she says they are spectacular. I have asked the flower supplier about importing them here to Atl for central distribution. Lee is going to help us design our new house here in Atl and we are also investigating importing the wooden miniblinds we saw in one of the houses for sale in Cotacacchi. Thanks again for a great experience.
Cheers, Charlie and Lisa”

“Dear Gary, My wife and I safely arrived to New York. Thank you very much for your hospitality and kindness. We had a great time spending the Saturday afternoon with you and with your lovely wife. Now it is very cold in New York and we are embracing for a wintery mess. I think a lot about the Ecuadorian sun and the great weather. I am sending you a couple of pictures what I made in Cotacachi. Please show them to Merri too. Thank you very much again.
Yours truly, Szab”

“Dear Merri, I apologize for my delay in writing, but I want to thank you for a wonderful conference and for all of your help in getting everything lined out for me prior to arrival in Ecuador. I feel I received some excellent information in both Florida and Ecuador, and I look forward to returning in the not too distant future.

Cotacachi is a nice little town, and you all have a great little place there. It was a pleasure meeting you and I hope to see you again soon.
Sincerely, Laura”

“Hi Merri, I wanted to write to say ¨thank you¨ for the seminar. I mentioned to Gary that I think I learned more in this one week than I have in my last year of business school. This was the first seminar that I have ever attended, and I don´t expect it to be my last. In fact, I emailed Gary about the condos in Cotacachi, and I am very interested in purchasing one and becoming a member of your community should the land become available. Thanks again for a great seminar; take care. Scott”

“Thanks Merri for the info. Tell Gary he was right on about closing his position in China.. Good Call.”

“Hi folks, Thank you very much for a superb couple of weeks. I really enjoyed the workshops and my introduction to Ecuador. You are both doing a wonderful job there and it was a pleasure to be part of it for that brief moment. I hope to see you again soon. regards, Steve Margison”

Don’t miss our next message that shows how changes in space can create well suited opportunity for you.

Until then, may all your space be warm wonderful and fulfilled!

Gary

Join Steve, our man in Ecuador, April 20 – 25, Friday to Wednesday for the Ecuador Spring Import-Export Course.

Or come to our June program including our next real estate & Shamanic Mingo Tour.

June 6 – 10, 2007 Weds. – Sun. Ecuador Spanish + Super Thinking in Ecuador.

June 13 –15, 2007 Weds. – Fri. Ecuador Real Estate Tour.

June 19 – 21, 2007 Tues. Thurs. Ecuador Shaman Mingo.

Attend all Ecuador courses and tours. Save up to $398!

We have created www.EcuadorLiving.com and have launched our Ecuador internet research service to the public. We just finished the last of five courses in a row and Steve, our man in Ecuador, will soon begin traveling this part of Ecuador to sniff out special opportunities that we will share with our EcuadorLiving.com subscribers. Go to Ecaudor Living