Tag Archive | "economist"

Terror as Life Moves in Cycles


Many investment markets are moved by terror because life moves in cycles. Everything is built on a simple ternary principle of… creation…  stability and transformation. Some call it birth, life and death.  Let’s think about how this can create terror and what it can mean to our wealth… health and happiness.

First, a reminder…  there are only four days left to order Christmas Roses from Ecuador.

ecuador roses

Order fresh Ecuador Christmas roses here.

Consider  the following socio-economic cycle. The industrial complex we call the USA, Western Europe and Japan… brought along by the Marshall and North Korean War were in the creative stage from the 1940s through 1970s.

After World War II the United States and Canada were the only major industrial bases that had not been destroyed. They had expanded rapidly during the war and by 1947 had retooled to produce consumer goods, stimulated by a boom in consumer spending.

Exports had been a small factor in the American economy. The rebuilding of the Marshall Plan changed that as Europeans rebuilt with manufactured goods and raw materials from the United States.

Japan was pulled along as well, when in 1950 the Korean War turned Japan into the main staging area for the United Nations.  The Korean War brought Japan even more money than the Marshall Plan sent to any country in Europe.

In the 1970s this entire socio economic union began shifting into the maintenance phase.

The chart below from an Economist article “Chinese Takeovers, Being Eaten by the Dragon” shows the Foreign Direct Investment as a percent of the global economy.  For example in 1914 Britain was the largest empire ever controlling 1/4th of all nations in the world and 45% of the world’s FDI.

The Economist article explains when it says:  Control of the world’s stock of foreign direct investment (FDI), which includes takeovers and companies’ greenfield investments, tends to reflect a country’s economic muscle. Britain owned 45% of the world’s FDI in 1914; America’s share peaked at 50% in 1967. Today China, including Hong Kong and Macau, has a share of just 6%.

We should not be surprised that the USA is losing market share of FDI and losing it faster than previous empires.  This shift appears by almost any measure as part of our universal pattern and in perfect harmony.

So we should not be upset as these areas now move onto transformation.

Yet markets fear change and the simultaneous shift of the US, Western Europe and Japan economies to this new (and what can be a very positive) phase create terror in investment markets.

Terror creates errors.  Errors create distortions. Distortions create opportunity.

The video below shares some thoughts about how to embrace change and gain opportunity from these cycles.

In this 13-minute video, there is a discussion on how life naturally moves in cycles and how we can stay in balance and benefit from these natural cycles of change. You may expand the video to full-screen by clicking the double-arrow to the bottom right of the video screen.

Gary

We have added a new date for Super Thinking + Spanish.  Learn Spanish in four days this January 13 to 16.

spanish-course

Sunrise at our house outside Mt. Dora.

We are limiting the numbers keeping this one small so we can conduct it at our house as this will be the first seminar in which we add our teacher training.  See details here.

Funky Micro Business Ideas Over the Moon


See Funky Micro Business Idea below:  Over the Moon.

micro-business-idea

First… yesterday’s message was a micro business idea about good health shoes. I linked that article to the shoe website but got the link wrong. This was my fault for working too late and not doing the full job!

Here is the correct link to Walk the Walk Shoes.

Next.  Before we look at the over the moon micro business idea let’s remember a problem about this era’s change… that opportunity for most in big business is dead.

An excerpt from the New York Times article “American Dream Is Elusive for New Generation” by Louis Uchitelle reminds us of this fact when it says:
GRAFTON, Mass. — After breakfast, his parents left for their jobs, and Scott Nicholson, alone in the house in this comfortable suburb west of Boston, went to his laptop in the living room. He had placed it on a small table that his mother had used for a vase of flowers until her unemployed son found himself reluctantly stuck at home.

The daily routine seldom varied. Mr. Nicholson, 24, a graduate of Colgate University, winner of a dean’s award for academic excellence, spent his mornings searching corporate Web sites for suitable job openings. When he found one, he mailed off a résumé and cover letter — four or five a week, week after week.

Over the last five months, only one job materialized. After several interviews, the Hanover Insurance Group in nearby Worcester offered to hire him as an associate claims adjuster, at $40,000 a year. But even before the formal offer, Mr. Nicholson had decided not to take the job. Rather than waste early years in dead-end work, he reasoned, he would hold out for a corporate position that would draw on his college training and put him, as he sees it, on the bottom rungs of a career ladder.

“The conversation I’m going to have with my parents now that I’ve turned down this job is more of a concern to me than turning down the job,” he said.
He was braced for the conversation with his father in particular. While Scott Nicholson viewed the Hanover job as likely to stunt his career, David Nicholson, 57, accustomed to better times and easier mobility, viewed it as an opportunity. Once in the door, the father has insisted to his son, opportunities will present themselves — as they did in the father’s rise over 35 years to general manager of a manufacturing company.

“You maneuvered and you did not worry what the maneuvering would lead to,” the father said. “You knew it would lead to something good.”

Complicating the generational divide, Scott’s grandfather, William S. Nicholson, a World War II veteran and a retired stock broker, has watched what he described as America’s once mighty economic engine losing its pre-eminence in a global economy. The grandfather has encouraged his unemployed grandson to go abroad — to “Go West,” so to speak.

“I view what is happening to Scott with dismay,” said the grandfather, who has concluded, in part from reading The Economist, that Europe has surpassed America in offering opportunity for an ambitious young man. “We hate to think that Scott will have to leave,” the grandfather said, “but he will.”
The grandfather’s injunction startled the grandson. But as the weeks pass, Scott Nicholson, handsome as a Marine officer in a recruiting poster, has gradually realized that his career will not roll out in the Greater Boston area — or anywhere in America — with the easy inevitability that his father and grandfather recall, and that Scott thought would be his lot, too, when he finished college in 2008.

In this era, cradle to grave corporate opportunity has been dramatically diminished and all types of corporate career employment severely reduced. Technology reduces the need for a lot of middle management and technology has also created a global economy that makes other nations more competitive.

Examples of this fact we see here in North Carolina include Thomasville the furniture manufacture and Cannon Mills the largest maker of towels in the USA. Faced with rising labor costs Thomasville moved most of its operation to China. Many US jobs were lost.

Cannon stuck to their cradle to the grave with the US approach and went bust.

The end result?  In both examples US jobs were lost.

When we embrace change,  the technology that has destroyed the old era can make our lives even better because this technology enhances profits in micro businesses.

Micro businesses can be better than a job! With a micro you are the boss and can choose how to have self fulfillment…  and your business can be fun and can be unusual… funky… even off the wall.

This is why we created our Hall of Funky Micro Business ideas.

Here is a new funky business idea we can add to the hall.

Create  a funky tour business.

How odd can your tours be?

Very odd indeed… such as shown by this excerpt from a June 25, 2010 article in National Geographic entitled Mooning Over Solar Eclipses.

Tse2008_200_mo1
Photo (Composed of 55 Calibrated Images): Miloslav Druckmuller, Peter Aniol, Vojtech Rusin.

As day plunges into night, the faithful gaze skyward, murmuring in awe. They wear Mylar glasses, hoist cameras, join hands. They are “eclipse chasers,” and their numbers have been growing since the 1970s. Total solar eclipses occur every 18 months or so and are visible for just a few minutes from any one spot. As knowledge about them has trumped superstition, legions of fans have been flocking to the narrow strips on Earth where the moon can best be seen obscuring the sun.

This year Melita Thorpe, owner of an astronomy-themed travel agency, saw a hundred slots fill up by spring for a $6,000 July freighter trip to the South Pacific; dozens more devotees signed up for a sunset viewing of the same eclipse in Patagonia. Her biggest crowd in the agency’s 26 years: the 700 people she ferried to view a 1991 eclipse off the coast of Mazatlán, Mexico.

I have used this as an example only to show how esoteric one’s micro business ideas can be.  We do not encourage looking at eclipses. In Ecuador’s shamanic wisdom (and in India’s as well) being in an eclipse is really bad for one’s energy.

If paying $6,000 to look at the moon is not odd enough, how about paying $200,000 to fly over the moon?

Well maybe not over the moon… but into outer space at least.
micro-business-idea
Richard Branson and Virgin Galactic created a tour business to take people into outer space.
According to the company’s website 340 customers (the company calls them Virgin Galactic astronauts) have purchased tickets that cost $200,000 and deposits start from $20,000.
The Hobby Space website (see link below) has an article entitled “Space Tourism Personal Spaceflight for you” that says:

In April of 2001, Dennis Tito became the first traveler to pay for a trip to space with money out of his own pocket. He decided to do it and then just did it. That’s what tourism is all about. Since then four other “personal spaceflight participants” have traveled to the ISS. The trips were arranged by the company Space Adventures which has also set up the trip for Richard Garriott in the fall of 2008.

In October of 2004, Burt Rutan’s SpaceShipOne won the X PRIZE and thereby started a new race to develop the first vehicle that will provide suboribtal space rides to paying customers. Suborbital generally refers to an up-and-down ( i.e. mostly vertical) flight that reaches an altitude of around 100km or more but does not go into orbit around the earth.

Market studies by NASA and many other organizations have shown that there are sizable markets for space tourism, both suborbital and orbital, and that the markets will grow rapidly as the cost of sending a person into space drops from current levels.

Adventure tourism, such as trips to Antarctica or Mount Everest, has long been a profitable business. This can involve packages with prices as high as $100k range and even higher. (my bold)

What can be funkier than that… $100,000 to nearly reach space on a mountain top… or $200,000 to get in a space ship and do it.

Embrace change. If you have a micro business idea… no matter how odd… you may be able to gain fun… fulfillment and financial security creating your own micro tour business.

Gary

How We Can Serve You

2014 – 2015 Schedule

Schedule 2014-2015  Seminars and Courses

Mt. Dora Photo

Delegates enjoy taking breaks at our winter courses in Mount Dora.

jefferson Landing

We conduct our summer camps at Jefferson Landing in West Jefferson North Carolina.

Join us in balmy Central Florida in the winter and the Cool Blue Ridge in summer.

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 are the courses we will conduct in 2014 and early 2015.

November 14-15-16, 2014, Friday, Saturday Sunday.   Super Thinking Writer’s Camp, Mt. Dora, Fl. (Normally $799 or $999 for a couple)

November 20-21-22, 2014  Thursday, Friday, Saturday Puerto Aventuras, Mexico. (Normally $699 or $899 for a couple)

November 24-25-26, 2014 Monday, Tuesday, Wednesday.  Super Thinking + Spanish course  Manta Ecuador . (Normally $699 or $899 for a couple)

January  16-17-18,  2015,  Friday, Saturday, Sunday.   Super.  Thinking + Spanish,  Mt. Dora, Florida (Normally $699 or $899 for a couple)

January 22-23-24, 2015, Thursday, Friday, Saturday Puerto Aventuras, Mexico. (Normally $699 or $899 for a couple)

February 13-14-15, 2015  Friday, Saturday, Sunday.  Super Thinking Writer’s Camp, Mt. Dora, Fl. (Normally $799 or $999 for a couple)

February 26-27,28,  2015, Thursday, Friday, Saturday Puerto Aventuras, Mexico. (Normally $699 or $899 for a couple)

Enroll in the Writer’s Camp.  You receive a full scholarship to attend a Super Thinking + Spanish course FREE. You save $699 to $899.

Hemingway’s Secret to Better Writing Saves You Up to $899

Our Writer’s Camps specialize in how to write to sell through self publishing.  This course goes way beyond logic and looks at how to think, write, earn with greater wisdom.

We help you learn ways to go the extra mile.

Was Ernest Hemingway’s secret to better writing in English or Spanish?  

hemingway

‪Hemingway with Friends at La Florida (“Floridita”), Havana, Cuba.‬

To get a Nobel Prize in literature… you have to be willing to go the extra mile (1).   In Hemingway’s case perhaps he went further… 104.91 miles to be exact from Key West to Havana.   There may have been many reasons why Hemingway liked Cuba but he already had access to them in Key West.  Why go the extra 104.91 miles to Cuba?

Hemmingway speaking spanish

See Ernest Hemingway speaking Spanish below.

Perhaps Ernest Hemingway knew that speaking a second language makes you smarter.  Perhaps he realized that he could think and write better in English when one learns Spanish.   In 1939 he moved to Cuba and wrote “For Whom the Bell Tolls” which  became a Book-of-the-Month Club choice.  The book sold half a million copies almost instantly, was nominated for a Pulitzer Prize, and cemented Hemingway’s reputation as one of the great writers in the English language… at a time when he was speaking two languages.

You too can be be smarter, write better and incidentally… and save up to $899 in the process.

You might ask… “What the heck does Spanish have to do with writing and self publishing?”

Well… to start, being smarter means you write better and the fact is, you do gain greater intellect with Super Thinking.   Super Thinking tactics integrate brain waves so absorption, retention and recollection of  information improve… a lot.   Most important of all, Super Thinking helps you synthesize what you learn so you can connect dots and use the knowledge you gain to achieve your goals.

In short, Super Thinking makes you smarter.. a lot!

Super Thinking 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 master, Dr. Georgi Lozanov.  Merri was among those few who learned how and is licensed to teach the Lozanov system.  She has organized a practical course on how to learn faster and better.  With her modified system, you discover how to think more powerfully in just three days…and experience the wonders of superlearning.

When I figured this out, my first thought was… “Why not help readers learn writing  AND Spanish?”  There and then was a two for one deal.

Enroll for our summer Writer’s Camp and you gain a full scholarship to one of our Super Thinking + Spanish course or vice versa.  You save $699 (single) to $899 (couple).

Still you ask… “Why Spanish for writing and self publishing?”

Spanish is the second most spoken romantic language.  Chances are a huge Spanish speaking population lives near you.  Speaking Spanish can be helpful in innumerable ways just from this fact.

There is more.  Learning a second language makes you smarter and healthier.

super thinking

Image from Telegraph article “Why learn a foreign language? Benefits of bilingualism”. (2)

The Telegraph article (linked below) entitled “Why learn a foreign language? Benefits of bilingualism says (bolds are mine):  Learning a foreign language is more than just a boost to your CV or handy for travelling. It will make you smarter, more decisive and even better at English, says Anne Merritt.

Physiological studies have found that speaking two or more languages is a great asset to the cognitive process. The brains of bilingual people operate differently than single language speakers, and these differences offer several mental benefits.

You can read the entire article at the link below but to sum it up it shows seven ways that learning a second language improves your intellect and health:

* You build multitasking skills

* You stave off Alzheimer’s and dementia

* Your memory improves

* You become more perceptive

* You become smarter

* Your decision-making skills improve

* You improve your English

A better command of English… used by a smarter, more perceptive person who can remember details and multi task, creates a better writer.

With this. I rest Hemingway’s case.

Learn the power of Super Thinking.  Gain the seven benefits of being bilingual.  Attend our Super Thinking + Spanish course and Writer’s Camp. Save up to $899.

We have three Writer’s Camps and two Spanish courses scheduled for the year ahead. Enroll within the next two weeks for any one of the Writer’s Camps and you gain a full scholarship to the Spanish course of your choice.  You save $699 (single) to $899 (couple).

Pick & choose the best schedule for you.

November 14-15-16, 2014, Friday, Saturday Sunday.   Super Thinking Writer’s Camp, Mt. Dora, Fl. (Normally $799 or $999 for a couple)

November 20-21-22, 2014  Thursday, Friday, Saturday Puerto Aventuras, Mexico. (Normally $699 or $899 for a couple)

November 24-25-26, 2014 Monday, Tuesday, Wednesday.  Super Thinking + Spanish course  Manta Ecuador . (Normally $699 or $899 for a couple)

January  16-17-18,  2015,  Friday, Saturday, Sunday.   Super.  Thinking + Spanish,  Mt. Dora, Florida (Normally $699 or $899 for a couple)

January 22-23-24, 2015, Thursday, Friday, Saturday Puerto Aventuras, Mexico. (Normally $699 or $899 for a couple)

February 13-14-15, 2015  Friday, Saturday, Sunday.  Super Thinking Writer’s Camp, Mt. Dora, Fl. (Normally $799 or $999 for a couple)

February 26-27, 28, 2015, Thursday, Friday, Saturday Puerto Aventuras, Mexico. (Normally $699 or $899 for a couple)

Enroll in the Writer’s Camp.  You receive a full scholarship to attend a Super Thinking + Spanish course FREE. You save $699 to $899.

Gary

Enroll in the Writer’s Camp.  You receive a full scholarship to attend a Super Thinking + Spanish course FREE. You save $699 to $899.

Single $799/ Couple $999

(1) See Ernest Hemingway speaking Spanish.

(2) Why learn a foreign language? Benefits of bilingualism

Travel, accommodations and food are not included.

See the Hobby Space website here.

See the VirginGalactic website here.

Read  American Dream Is Elusive for New Generation

Smalltown USA – 4th Front Expands


Last week’s message looked at the benefits of being in Smalltown USA due to a war on four fronts.

The third front appears to be expanding in part at least to the concerns we commented on last week… excessive police force.

Excerpts from a Los Angeles Times article entitled “Mexico protests shooting death of teen at Texas border” by Tracy Wilkinson and Richard A. Serrano confirms this when it says:

The second border death in two weeks roils U.S.-Mexican relations. U.S. officials say a Border Patrol agent was attacked while trying to arrest suspected illegal immigrants and opened fire.

Alejandro Bringas / Reuters

Reporting from Mexico City and Washington — For the second time in less than two weeks, the death of a Mexican national at the hands of U.S. border agents is outraging Mexicans and testing relations between the two countries.

The Mexican government Wednesday vigorously protested the shooting this week of a 15-year-old boy at Mexico’s border with Texas. The boy, Sergio Hernandez Guereca, died of a wound to the face. U.S. officials say he died after a Border Patrol agent opened fire Monday night on a group of Mexicans throwing rocks at the agent, who was attempting to arrest suspected illegal immigrant

Mexican President Felipe Calderon said Tuesday that his government “will use all resources available to protect the rights of Mexican migrants.”

The government “reiterates its rejection to the disproportionate use of force on the part on U.S. authorities on the border with Mexico,” the president added in a statement.

It’s about the Money!

I have no strong opinion on increased regulation on the border.  This is a complex issue.  I do not live there so I am not one to judge.

However I do see that there are economic consequences that affect me… and just about everyone in the world.  The US is spending more and more on security, defense and regulation and less and less on education, health advances and infrastructure.   We have hundreds of miles of fence on the border but our bridges are falling down… our roads have potholes.  Even cutting back in these vital areas… the nation’s spending far overshadows its income. This deficit and the huge debt accumulated so far will affect the US dollar… cause inflation and social disorder.  Which by the way, may create increased stress which will lead to increased drug use… which will lead to… I think you get the picture.

In short, the money will affect all of our ifestyles.

There has always been a movement of people.

One of life’s great ironies, is that the immigration problem in the US is creating immigration concerns in other countries when  Americans leave the US.

A reader commented on this when she wrote:  “Gary, I’ve received your email newsletter for about six months now.  I have been interested in real estate in Ecuador for about a year.  I’ve been to Ecuador twice in the past year, and am going again July 1.  On the one hand I understand your enthusiasm for Ecuador, but on the other I wonder how pushing Ecuador real estate will impact the local population?  Obviously if you are a property holder, it’s a good thing; but if you’re not, but hope to be, outside money could push many locals out of the market.  Is this creating any kind of animosity toward outsiders?  I’d appreciate your insight on this.  I am an economist with a focus on international finance, so I enjoy all aspects of your writings.  Regards.”

My reply was that this movement of people has been a never ending story since the beginning of time..everywhere, neighborhood to neighborhood, city to city, county to county and country to country.

So far the majority of Ecuadorians love us….as much or more as our neighbors here in North Carolina’s Blue Ridge mountains.

Most Ecuadorians cannot afford property because the locals were pushed out of the market by the Spanish about 500 years ago…just as American natives in the US were pushed out by the English, Germans, Irish, Scots, Italians, Chinese and others who arrived here.

Our arrival in Ecuador creates jobs, hope and a chance that many more Ecuadorians will be able to own their own land.

However the problem goes beyond just a few investors arriving from the US, Canada, Span, Italy and many from Colombia and Peru.   This is a time of transition for Ecuador with the final phase of the colonial hierarchal system nearing its end.  Whether the locals in Ecuador like it or not…just as people in many other countries do not like it, we all live in a global economy.   Many Americans did not like selling so much property to the Japanese in the 1980s.  The Floridians gripe when the Snowbirds come south. Yet they sell. they take the Snowbirds’ money and if they are too fed up, the Floridians move to North Carolina… where the North Carolinians gripe about the inflow of Floridians.

I am a full blooded American…born and raised in the USA…as you can get yet for most of my life have been an immigrant. First I was a long nose foreign devil in Hong Kong.  Then a Yank in England… then a Snowbird in Florida… then a gringo in Ecuador and a Floridiot in North Carolina.

I wear an all American wardrobe beginning with my American Converse tennis shoes (made in China), my American Wrangler jeans (made in Mexico), my American Fruit of the Loom underwear (made in El Salvador) and my American Van Heusen shirt (made in Bangladesh).

So even if I had stayed in my hometown, unless I had planned on running around shoeless and naked, I would have encroached on people in other countries…pushed up property prices for factories… created jobs… helped feed families… but also created pollution in third world nations.

My first book “Passport to International Profit” was published in the early 1970s and included a chapter on “border blindness.”  This chapter looked at how political borders are illusions that support hidden agendas for the few who encourage them. 

It said: Borders are transcended by almost all human emotions. Get a pretty Italian and handsome Irishman together and they will fall in love. Put a Mexican with a cheaper tomato next to a hungry Canadian and the Canadian will get out his loonies and buy the tomato. Put an Englishman and Frenchman in a sinking ship and they will both bail water.

The market place of humanity tramples borders. The deepest nature of our existence supports free trade and free movement of all to anywhere in the world.

I have never argued for or against globalization and or people crossing borders… legally or illegally.   I do believe though that right or wrong… human nature being what it is… globalization will continue to expand.  Also the poor will continue to move to places where they can work and earn.

I also believe that excessive expenditures to try and stop the tide of these forces can put a currency, economy and even an entire country at risk.

Modern communications and transportation have made globalization even more likely.   For example in Ecuador broadband has changed the way we can live in Cotacachi. 

We are, at the deepest level of our being, all citizens of the world.  It is logical and correct that we trade with those who serve us best…whether they bring products to us (like the tomatoes, shirts, shoes, pants and even underwear) or we go to the product (real estate abroad).

I have found that if one treats people with fairness and respect, these courtesies will be returned.  This was as true when we moved from Hong Kong to England to Florida to Ecuador to Ashe County, North Carolina…where Floridians are called “Floridiots” by many Blue Ridge locals.  Also, I’d like to note that on our real estate tours for over 6 months, we see properties being sold from month to month…AND the interesting thing is that these properties are being bought by Ecuadorians themselves!

How would I like to see this globalization evolve?

I can sum this up by quoting some dialogue from my novel the “65th Octave”.

In this book, the hero and heroine, Robin MacAllen and Talking Panther, stumble across a group of Controllers who try to gain control of the world’s economy. These Controllers accumulate huge amounts of shares and dump them after creating terror in the marketplace. With their extensive cash hoards, they buy up the market for pennies on the dollar. Released well before the September attack on freedom, I worried the premise was far fetched. Now the plot hardly seems dramatic enough!

Here is one of Talking Panther’s dialogues.

“In the beginning, we were one. We were in the middle and this was good. All knew the other and all were in harmony with nature. Then some of us wandered and left the middle. Some went west. Others east. We lost touch.

“In the east and the west as they settled, they forgot that there was a middle. For their sons, the east and the west became the middle. Those in the west saw the sunrise and called it the beginning as those in the east saw the same sun setting and called it the end. The difference was confusing and the confusion made the difference an issue.

“In the beginning we were one. We were united by all that was common.  Then as we moved we became united by all that was different. Spread apart the view was beyond the vision of the eagle and it became easier to look at the horizon than beyond.

“Few could see that we are still part of a whole.

“This was the beginning of ignorance and its son fear. Fear made each feel less and made each want to be more. Fear blinded the truth that all are equal and that we really are all one.”

My preference is that we all got along… we are all honest… we get rid of most rules and regulations and live by a few simple ideals based on self respect and respect for others.  I however am not expecting this to happen anytime soon.

I expect the border situation to deteriorate. I expect more rules… more regulations and a reduced lifestyle for most.  The recent events on the border reinforces this belief.

My solutions are to look for good value investments in commodities, shares and real estate… diversified globally.  Plus to work hard at keeping a micro business that is fun, fulfilling and makes a positive contribution to society and the world.

Why Micro a Business?

Small is now more beautiful than ever before.

Every other year Jyske Bank has a wonderful summer investment seminar and I have had the privilege to speak at these seminars for many years.  Merri and I have been invited again for this summer’s learning and festivities.   We look forward to Jyske’s August 17, 2010 seminar.

The seminar always begins at the Copenhagen headquarters in a grand old building in the center of town where the bankers speak a little and feed us a lot of beautiful, fresh food in the company dining room.

I am always impressed that the bankers themselves wait on tables and serve us.

The building’s history gives us a bit of architectural awe and since Jyske are not normal bankers they really do work hard to entertain. Normally there are 70 to 100 delegates from all over the world. I have met Australians, Ecuadorians, Swiss, Germans, Danes, Swedes, Taiwanese, Canadians, French, Austrians,  Ukrainains. Bulgarians, Ghanans, Spanish, British and  South Africans to name a few and we all have a genuinely fun time as well as learn a lot.

I was especially impressed with a speaker at one Jyske, Ian Pierson, the head futurist for British Telecom. He is really a bright guy, but I was a bit astounded when he said “British Telecom is working on the premise that we won’t pay for telephone calls in a decade”.

I am less amazed now.

Ian was author of the book “Business 2010″ as well and  one comment he made was, “In the future a company’s value will be its ideas, less its size and experience”.

Let me clarify that small can still be  profitable.

Merri and I continually pride ourselves for having one the the smallest but most profitable web based businesses.

How rich can you become by starting small?

We have probably more cash in the bank than we’ll ever spend. We have our 252 acre farm with two houses and five cabins in the Blue Ridge… owned free and clear.

We have our Florida home with a 12 acre orange grove… our Ecuador beach apartment… Ecuador beach condos… a Cotacachi house and apartments there plus our hotel.

ecuador-passion

Our Ecuador beach condo balcony.

Plus we have the hotel.

Cotacachi-dining

 All of this is owned free and clear..  paid for and supported by our small micro web business.

We have no debt in Ecuador… or anywhere… period.

Yet we are one of the tiniest businesses around.  Merri and I work from home offices deep in the woods of the Blue Ridge, or tucked into our Florida grove and in hidden deep in Ecuador. Our hotel has staff yes. So too does our farm… but our web business has just Merri, me, one part time and our webmaster.

The point? You do not have to have a huge operation to earn and live very well.

And we try to stay that way! Small (but profitable). This keeps life simple… easier to enjoy.

Plus small businesses tend to attract less rules, regulations and government interference.

Your own business greatly increases your chance of becoming financially independent even when your business remains small.

Join Merri and me in Copenhagen for another big value.  The strong US dollar makes this the year to enjoy Europe. The rising US dollar  for Jyske’s August seminar in Copenhagen dropped the fee from about $2,050 to $1,700, a 15% discount.

See details about Jyske’s bi annual Copenhagen seminar here Global Wealth Management Seminar.

Gary

How We Can Serve You

2014 – 2015 Schedule

Schedule 2014-2015  Seminars and Courses

Mt. Dora Photo

Delegates enjoy taking breaks at our winter courses in Mount Dora.

jefferson Landing

We conduct our summer camps at Jefferson Landing in West Jefferson North Carolina.

Join us in balmy Central Florida in the winter and the Cool Blue Ridge in summer.

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 are the courses we will conduct in 2014 and early 2015.

November 14-15-16, 2014, Friday, Saturday Sunday.   Super Thinking Writer’s Camp, Mt. Dora, Fl. (Normally $799 or $999 for a couple)

November 20-21-22, 2014  Thursday, Friday, Saturday Puerto Aventuras, Mexico. (Normally $699 or $899 for a couple)

November 24-25-26, 2014 Monday, Tuesday, Wednesday.  Super Thinking + Spanish course  Manta Ecuador . (Normally $699 or $899 for a couple)

January  16-17-18,  2015,  Friday, Saturday, Sunday.   Super.  Thinking + Spanish,  Mt. Dora, Florida (Normally $699 or $899 for a couple)

January 22-23-24, 2015, Thursday, Friday, Saturday Puerto Aventuras, Mexico. (Normally $699 or $899 for a couple)

February 13-14-15, 2015  Friday, Saturday, Sunday.  Super Thinking Writer’s Camp, Mt. Dora, Fl. (Normally $799 or $999 for a couple)

February 26-27,28,  2015, Thursday, Friday, Saturday Puerto Aventuras, Mexico. (Normally $699 or $899 for a couple)

Enroll in the Writer’s Camp.  You receive a full scholarship to attend a Super Thinking + Spanish course FREE. You save $699 to $899.

Hemingway’s Secret to Better Writing Saves You Up to $899

Our Writer’s Camps specialize in how to write to sell through self publishing.  This course goes way beyond logic and looks at how to think, write, earn with greater wisdom.

We help you learn ways to go the extra mile.

Was Ernest Hemingway’s secret to better writing in English or Spanish?  

hemingway

‪Hemingway with Friends at La Florida (“Floridita”), Havana, Cuba.‬

To get a Nobel Prize in literature… you have to be willing to go the extra mile (1).   In Hemingway’s case perhaps he went further… 104.91 miles to be exact from Key West to Havana.   There may have been many reasons why Hemingway liked Cuba but he already had access to them in Key West.  Why go the extra 104.91 miles to Cuba?

Hemmingway speaking spanish

See Ernest Hemingway speaking Spanish below.

Perhaps Ernest Hemingway knew that speaking a second language makes you smarter.  Perhaps he realized that he could think and write better in English when one learns Spanish.   In 1939 he moved to Cuba and wrote “For Whom the Bell Tolls” which  became a Book-of-the-Month Club choice.  The book sold half a million copies almost instantly, was nominated for a Pulitzer Prize, and cemented Hemingway’s reputation as one of the great writers in the English language… at a time when he was speaking two languages.

You too can be be smarter, write better and incidentally… and save up to $899 in the process.

You might ask… “What the heck does Spanish have to do with writing and self publishing?”

Well… to start, being smarter means you write better and the fact is, you do gain greater intellect with Super Thinking.   Super Thinking tactics integrate brain waves so absorption, retention and recollection of  information improve… a lot.   Most important of all, Super Thinking helps you synthesize what you learn so you can connect dots and use the knowledge you gain to achieve your goals.

In short, Super Thinking makes you smarter.. a lot!

Super Thinking 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 master, Dr. Georgi Lozanov.  Merri was among those few who learned how and is licensed to teach the Lozanov system.  She has organized a practical course on how to learn faster and better.  With her modified system, you discover how to think more powerfully in just three days…and experience the wonders of superlearning.

When I figured this out, my first thought was… “Why not help readers learn writing  AND Spanish?”  There and then was a two for one deal.

Enroll for our summer Writer’s Camp and you gain a full scholarship to one of our Super Thinking + Spanish course or vice versa.  You save $699 (single) to $899 (couple).

Still you ask… “Why Spanish for writing and self publishing?”

Spanish is the second most spoken romantic language.  Chances are a huge Spanish speaking population lives near you.  Speaking Spanish can be helpful in innumerable ways just from this fact.

There is more.  Learning a second language makes you smarter and healthier.

super thinking

Image from Telegraph article “Why learn a foreign language? Benefits of bilingualism”. (2)

The Telegraph article (linked below) entitled “Why learn a foreign language? Benefits of bilingualism says (bolds are mine):  Learning a foreign language is more than just a boost to your CV or handy for travelling. It will make you smarter, more decisive and even better at English, says Anne Merritt.

Physiological studies have found that speaking two or more languages is a great asset to the cognitive process. The brains of bilingual people operate differently than single language speakers, and these differences offer several mental benefits.

You can read the entire article at the link below but to sum it up it shows seven ways that learning a second language improves your intellect and health:

* You build multitasking skills

* You stave off Alzheimer’s and dementia

* Your memory improves

* You become more perceptive

* You become smarter

* Your decision-making skills improve

* You improve your English

A better command of English… used by a smarter, more perceptive person who can remember details and multi task, creates a better writer.

With this. I rest Hemingway’s case.

Learn the power of Super Thinking.  Gain the seven benefits of being bilingual.  Attend our Super Thinking + Spanish course and Writer’s Camp. Save up to $899.

We have three Writer’s Camps and two Spanish courses scheduled for the year ahead. Enroll within the next two weeks for any one of the Writer’s Camps and you gain a full scholarship to the Spanish course of your choice.  You save $699 (single) to $899 (couple).

Pick & choose the best schedule for you.

November 14-15-16, 2014, Friday, Saturday Sunday.   Super Thinking Writer’s Camp, Mt. Dora, Fl. (Normally $799 or $999 for a couple)

November 20-21-22, 2014  Thursday, Friday, Saturday Puerto Aventuras, Mexico. (Normally $699 or $899 for a couple)

November 24-25-26, 2014 Monday, Tuesday, Wednesday.  Super Thinking + Spanish course  Manta Ecuador . (Normally $699 or $899 for a couple)

January  16-17-18,  2015,  Friday, Saturday, Sunday.   Super.  Thinking + Spanish,  Mt. Dora, Florida (Normally $699 or $899 for a couple)

January 22-23-24, 2015, Thursday, Friday, Saturday Puerto Aventuras, Mexico. (Normally $699 or $899 for a couple)

February 13-14-15, 2015  Friday, Saturday, Sunday.  Super Thinking Writer’s Camp, Mt. Dora, Fl. (Normally $799 or $999 for a couple)

February 26-27, 28, 2015, Thursday, Friday, Saturday Puerto Aventuras, Mexico. (Normally $699 or $899 for a couple)

Enroll in the Writer’s Camp.  You receive a full scholarship to attend a Super Thinking + Spanish course FREE. You save $699 to $899.

Gary

Enroll in the Writer’s Camp.  You receive a full scholarship to attend a Super Thinking + Spanish course FREE. You save $699 to $899.

Single $799/ Couple $999

(1) See Ernest Hemingway speaking Spanish.

(2) Why learn a foreign language? Benefits of bilingualism

Travel, accommodations and food are not included.

Mexico protests shooting death of teen at Texas border

Ecuador Stock Market


See below why I am not buying into the Ecuador stock market… or any stock market at all.

First, let me be clear… there is not much of an Ecuador  stock market… never has been and probably won’t be for quite a while.

Merri and I do own a few Ecuador shares… in Cemento, an Ecuador cement company,  but these were purchased years ago when Ecuador had a stock market beginning to boom. Then the economy and sucre collapsed and all the Ecuador banking shares (including the ones we held) rushed to zero.

The Ecuador cement shares were all that was left… along with a lesson learned.

Yet there are two other reasons why you’ll not see many Ecuador equities in my portfolio.

In fact, you won’t see many stocks in our portfolio at all.  A review of my recent total asset allocation shows that I hold only 3% in equities.

An excerpt from our recent Multi Currency Update shows that I do not hold many shares at all and why I am not buying more now.

Last week my account adviser at Jyske Global Asset Management sent me this note.

Gary, The USD on the move!  The main focus this week has been on the FX market. We have had a long period of a declining US Dollar against most other currencies. The market participants have been waiting for an excuse to take profits. The market got its excuse last week, where we for the first time saw better than expected US unemployment figures. The non-farm payrolls where better than expected and the unemployment rate dropped to 10%. When the numbers hit the market the EUR/USD was trading above 1.5000 and during this week the USD strengthened approximately 5%, currently trading at 1.4350.

The correction of the EUR/USD also indicates that the psychology in the market could have changed. During 2009 improving economic figures led to a risk-on scenario where investors began  to diversify in to  more speculative markets and at the same time exiting the USD safe-haven. The change in psychology has resulted in a focus on possibly increasing interest rates as the economies worldwide begin to improve. The US economy shows signs of improvement and investors are thus beginning to focus on being long USD assets.

The FED however announced no change in the FED funds after their meeting on Wednesday. Bernanke told the market on the following press conference that the interest rate would remain unchanged until the economy is back on track and we see a significant drop in the unemployment rate. We therefore believe that the current strength in USD is temporary and we do expect the EUR/USD to turn around and once again go toward our target of 1.5500.

The main focus in Europe during the week has been on the down grading of the sovereign debt of Greece to BBB+, by both FITCH and S&P. Both rating agencies, still have Greece on a negative watch. The 10 year government bond of Greece now pays a historical 250 bps more than a 10 year German government bond.

Norway once again increased their interest rate with 25 bps, from 1.5% to 1.75%. Norway has seen an increase in the private consumption and a hot real estate market. The Central bank of Norway thus chose to increase the interest rate, even though the industrial production in Norway still suffers.

That note from my adviser cemented my thinking that the greenback’s upswing creates a good time to further reduce US dollar positions. I am reducing my euro positions as well.

The global economy continues to upswing and eventually interest rates will be heading up…. bit equities are at risk due to the chances of another economic slowdown and massive government economic stimulation that has supported high risk speculation.

So last week I added more emerging currencies with higher interest rates by liquidating my Jyske Invest Danish Bond Fund and Jyske Invest Euro Bond Fund.

I used the proceeds to purchase higher interest rate bonds away from the euro and mostly into the dollar zone but not the US dollar itself.

I purchased:

NOK 4% Rabo Bank 29.05.2013 (AAA)     101,25   3,60% p.a.
CAD 4,95% KFW October 2014  (AAA)      109,60  2,80% p.a.
EUR 7,25% Bombardier 15.11.2016 (BB+) 102,25  6,70% p.a.
AUD 6,00% EIB 14.08.2013 (AAA)            101,60   5,50% p.a.
NZD 6,50% EIB 10.09.2014 (AAA)            104,50   5,39% p.a
MXN 8% Bonos 19.12.2013 (A+)               103,60   6,97% p.a.
BRL 11,25% EIB 14.02.2013 (AAA)           104,75   9,41% p.a.

I also sold my Hungarian government bonds and bought the Polish bond below with the proceeds.

PLN 6,50% EIB 12.08.2014   (AAA)            107,00   4,77% p.a.

I see any period of US dollar strength as an opportunity to exit the greenback and accumulate other currencies.

Learn how to get my regular portfolio updates.

The personal reasons why I do not invest much in shares is based on three cornerstones in Merri’s and my lifestyle and investing philosophy.

Cornerstone #1:   Know Thyself.

Cornerstone #2: Be True to Thyself.

Cornerstone #3: Turn Your Passion into Profit.

Merri and I love our business. We earn more than enough from it and…  we gain enormous fulfillment from serving others.

Plus we love buying and fixing up real estate. If you have been sharing this site from long you have read our escapades buying real estate in North Carolina, Ecuador and now again in Florida.

We love fixing up real estate in Ecuador and…

Ecuador-house-for-sale

on our North Carolina farm…

golden-mean

and…

ecuador-future

at the lakefront in Florida.

On the dark side, we hate accounting. We cannot read balance sheets… nor do we trust them much… so we tend to avoid equities… which historically overall are the best investments of all…. if… you ignore the three cornerstones.

We only have two shares… Bank of Florida and Jyske Bank…. because we know (and like) the people and the concepts involved.  Plus we understand the financial business.  Otherwise the most we do in shares… even though we have helped others make many millions in the stock market… is buy ETFS or mutual funds.

When we invest in shares there are three factors we continually look for…

Investing Factor #1: Contrasts.

Investing Factor #2: Trends.

Investing Factor #3: Value.

We are always looking for contrasts in value that will eventually create trends.

This is why we began buying real estate in Florida and are not investing in many equities now.  A recent New York Times article “New Slip in Housing Prices Undercuts Fragile Optimism” by David Streitfeld explains why.  Here is an excerpt:

Just as the economy is finally beginning to strengthen, the real estate market is showing new signs of deterioration.  Prices slipped in many cities in October, new figures show, despite low mortgage rates and a generous tax credit meant to spur sales. Now rates are starting to rise, making it harder for many buyers to afford a house, and the tax credit seems to be losing its capacity to lure them into the market.

The renewed worries about housing come against a backdrop of improvement in the broader economy.  Surveys suggest consumers are growing more confident. That better mood probably helped improve holiday retail sales. The number of people joining the ranks of the jobless is dwindling, while the hiring of temporary workers is up, a traditional harbinger of recovery.

Still, economic growth for the third quarter was more modest than originally reported; it was revised down to an annual rate of 2.2 percent from 2.8 percent. Many economists are fretting that housing could drag down the tenuous recovery.

The figures released Tuesday showed that the Standard & Poor’s/Case-Shiller home price index, a widely watched measure of housing markets in 20 metropolitan areas, rose 0.4 percent in October from the previous month on a seasonally adjusted basis.
It was the fifth consecutive month that prices were up, but the rate of increase has dropped sharply from the impressive gains of the summer. Prices in nine of the 20 cities were flat or down.

“I’m worried. Everyone’s worried,” said Karl E. Case, the Wellesley College economist who helped design the housing index that provided fresh cause for alarm on Tuesday. “If prices sink 15 percent from here, which is a possibility, and the 2008 and 2009 loans go bad, then we’re back where we were before — in a nightmare.”

One might think why invest in real estate… not stocks… when real estate seems down.

Due to the last economic downturn… many governments… led by the US… spent trillions flooding the market with easy money… for big banks.

These big banks in turn borrowed the money and poured that money into stock markets.  This made the banks look profitable and pushed stock markets up… at the expense of currencies around the world.

Government spending rarely works efficiently as evidenced by the multi billions spent of security that missed a Nigerian, whose father’s warning to the US Embassy validated a risk… that the CIA had already picked up… even though he was on a risk list… and after buying a ticket for cash…. and arriving without luggage… he was allowed to walk onto a plane headed for the US with a bomb in his underwear.

This post 9-11 security may not have been such a great government investment.

Just imagine that the economic spending from the governments of the world have created the same situation… making the public feel better when  the reality is… the risk is the same… or actually worse… because of the government’s heavy handed involvement.

If the economy once again stalls…  the stock markets… many of which are thinly traded… will collapse like a house of cards. All that government money (actually your money and mine) will be gone.

Repayment of the loss will most likely be made via inflation.  Stock portfolios will be wiped out.

This concerns me.  Jyske Global Asset Managers are concerned as well.  Their low risk managed account for US investors has only 17.5% in equities and they are only in seven investments… of which five are major Blue Chips.

Electricite De France France’s electric company.

Siemens AG a global powerhouse in electronics and electrical engineering, operating in the industry, energy and healthcare sectors.

Bayer AG, a global enterprise with companies in almost every country.

G4S Plc the world’s leading international security solutions group, operating in over 100 nations.

Novartis AG Reg.  the largest producer of insulin.

Only a very small portion of the portfolio is in other equities, iShares II BRIC and Jyske Invest IT Equities.

If we see a double dip recession, then real estate will remain depressed perhaps for a bit.  However there is real utility in real estate and the very inflation that could ruin so many investors will benefit those who hold real estate (and can hold on) plus those who hold commodities and have their own business.

There is no doubt still some good individual shares but overall shares offered good value early last year… not now so investors should beware.

Gary

We hope you will join us for seminars and tours in 2010.

If you plan to join us at six or more seminars and tours in Ecuador, Florida or  North Carolina in 2010 you can save as an International Club member

See details about each of our seminar and tours below… then see our December special that allows you to attend as many of these courses you like at a huge savings.

For International Investing and Business.

For Super Thinking + Spanish

For Ecuador Shamanic Tour

For Ecuador Export

For North Andes, Imbabura & Cotacachi

For Manta & Mid Coast

For Quito & Mindo

For Salinas & South Coast

For Cuenca

You gain discounts by attending multiple seminars and tours.

Here are our multi tour adventure discounts.

Two Pack… 2 seminar courses & tours $998 Couple  $1,349 Save $149 on couple

Three Pack… 3 seminar courses & tours   $1399 Couple  $1,899 Save $98 single or $348 on a couple or more

Four Pack… 4 seminar courses & tours   $1,699 Couple $2,299 Save $98 single or $697 on a couple or more

Five Pack… 5 seminar courses & tours  $1,999 Couple $2,699 Save $496 single or $1,046 on a couple or more

Six Pack… 6 seminars courses & tours  $2,199 Couple $3,099 Save $795 single or $1,395 on a couple or more

But our 2009 International Club membership which allows you and a guest to attend as many of the 56 courses and tours we’ll sponsor and conduct in 2010  (fees would be $40,947 for all these courses individually) is only $2,999.

The International club fee rises to $3,500 in January 2010. Enroll in the International Club now at the original fee of $2,999. Save $501.

International Club 2010

Attend our 56 investment, business, Spanish, real estate and export, courses and tours in 2010 with one small enrollment fee.

International Club 2010 Membership Enroll here

Here are the 56 courses and tours you can attend free. Plus there is even one more savings you will see below.

Jan.   8-11     Ecuador Export Tour
Jan. 13-14     Imbabura Real Estate Tour
Jan. 15-18     Coastal Real Estate Tour
Jan. 19-20    Quito-Mindo Real Estate Tour
Jan. 21-23    Cuenca Real Estate Tour

Join us in February or March.

Feb. 11-14   Quantum Wealth Florida -International Investing & Internet Business, Mt. Dora, Fl.

Feb. 15-16   Travel to and visit Quito
Feb  17         Travel to Manta
Feb. 18-19   Coastal Real Estate Tour
Feb. 20        Travel to Cotacachi
Feb. 21-22   Imbabura Real Estate Tour
Feb. 23-24  Quito-Mindo Real Estate Tour
Feb. 26-27  Cuenca Real Estate Tour

Mar. 11-14     Super Thinking + Spanish Course, Mt. Dora, Fl.
Mar. 15-16    Travel to Quito and Andes
Mar. 17-18     Imbabura Real Estate Tour
Mar. 19-20    Cotacachi Shamanic tour
Mar. 22-23    Coastal Real Estate Tour
Mar. 25-26    Cuenca Real Estate Tour
Mar. 28-29   South Coast Real Estate Tour

Apr. 12-15   Ecuador Export Tour ($499 or couple $749)
Apr. 17-18   Imbabura Real Estate Tour ($499 or couple $749)
Apr. 20-21  Coastal Real Estate Tour ($499 or couple $749)
Apr. 23-24  Quito-Mindo Real Estate Tour ($499 or couple $749)
Apr. 26-27  Cuenca Real Estate Tour ($499 or couple $749)

May  13-14     Ecuador Shamanic Minga  ($499 or couple $749)
May  16-17    Imbabura Real Estate Tour  ($499 or couple $749)
May  19-20    Coastal Real Estate Tour ($499 or couple $749)
May  22-23    Quito-Mindo Real Estate Tour  ($499 or couple $749)
May  25-26    Cuenca Real Estate Tour  ($499 or couple $749)
May  28-29    South Coast real Estate Tour ($499 or couple $749)

June 24         Quantum Wealth North Carolina
June 25-27    International Investing and Business North Carolina  ( $749 or couple $999)
June 28-29   Travel to Ecuador and Andes
June 30-Jy 1 Imbabura Real Estate Tour  ($499 or couple $749)
July 3-4          Coastal Real Estate Tour   ($499 or couple $749)
July 6-7          Quito-Mindo Real Estate Tour    ($499 or couple $749)
July 9-10        Cuenca Real Estate Tour   ($499 or couple $749)

Sept.   3-6      Ecuador Export Tour  ($499 or couple $749)
Sept.   8-9      Imbabura Real Estate Tour  ($499 or couple $749)
Sept. 11-12     Coastal Real Estate Tour   ($499 or couple $749)
Sept. 14-15     Cuenca Real Estate Tour    ($499 or couple $749)
Sept. 17-18     Ecuador Shamanic Minga  ($499 or couple $749)
Sept 20-21      South Coast Real Estate tour ($499 or couple $749)

Oct.    7          Quantum Wealth North Carolina
Oct.   8-10     International Investing & Business North Carolina ($749 or couple $999)
Oct.   11-12    Travel to Quito and Andes
Oct.  13-14     Imbabura Real Estate Tour ($499 or couple $749)
Oct.  16-17     Coastal Real Estate Tour ($499 or couple $749)
Oct.  19-20    Quito-Mindo Real Estate Tour ($499 or couple $749)
Oct. 22-23     Cuenca Real Estate Tour ($499 or couple $749)

Nov.    4-7        Super Thinking + Spanish Course Florida ($749 or couple $999)
Nov.    8-9       Travel to Quito and Andes
Nov. 10-11       Imbabura Real Estate Tour ($499 or couple $749)
Nov. 13-14      Coastal Real Estate Tour ($499 or couple $749)
Nov. 16-17      Quito-Mindo Real Estate  ($499 or couple $749)
Nov. 19-20     Cuenca Real Estate Tour ($499 or couple $749)
Nov  22-23      South Coast Real Estate Tour (($499 or couple $749)

Dec.   3-5       Ecuador Shamanic Mingo  ($499 or couple $749)
Dec.   7-8       Imbabura Real Estate Tour ($499 or couple $749)
Dec.  10-11    Coastal Real Estate Tour ($499 or couple $749)
Dec. 13-14     Quito-Mindo Real Estate Tour ($499 or couple $749)
Dec. 16-17      Cuenca Real Estate Tour ($499 or couple $749)

If you join the International Club, the entrance fee for 2010 is $2,999 (until January 2010).  Your attendance fees at all courses will be waived. You and your guest can attend courses worth $40,947.

You can calculate the savings as our schedule of all 2010 courses is shown below.

Arrival dates are always one or two days earlier. Please double check with us before booking flights.

I invite you to be a member of the International Club which allows you and your guest of your choice to attend all of these courses which are valued at $40,947!

International Club 2010 Membership Enroll here

You may well wonder why I would make such an offer and ask why the cost is so low? Let me answer this question frankly and from the heart.

First, it helps us do a better job for you. We feel greatly enriched when we can really help our clients improve their lives. We have learned through years of experience the best way to do this is to meet with you regularly. We can best help you learn how to improve your health and wealth through continual expansion of knowledge.

Second, we gain enormous fulfillment from the many friendships we form through the years. Our friends have enriched our lives tremendously. Let me explain this in more detail.

As a member, you will be part of our international family that meets intensively over the next year to examine ways we can make our lives better. Our goal is beyond just having money. Our goal is to have quantum wealth… good health… wealth and fulfillment through service.

Though I give all course delegates my very best, I cannot help but to do a better job for those who come again and again. As we meet often; your particular wants, needs and desires become clear, and it is easier for me to point you in the right direction.

Another phenomenon is that repeat delegates help each other! They get to know one another, help each other learn, share their insights, make contacts and gain more wealth.

Out associates in Ecuador, are experienced business people who live or work and conduct our real estate and export courses.  They can also act as your local backup for the business.

Lifestyle for Two. There is more! I have learned at my courses that many repeat delegates were couples.

We want couples! As a member of the program, you are entitled to bring another person to every single course or tour. The cost for that extra person will be ZERO!  You can bring whomever you wish. Bring your spouse, a friend, son or daughter, partner, accountant, adviser. You can bring the same person each time or a different person, whomever you choose to accompany you. (Accommodations and air fares relating to the courses are not included for members, delegates or their guests.)

Won’t you join us in this exciting club and share Merri’s and my lifestyle for the next year? We look forward to seeing you at as many courses as possible and sharing this wonderful world of abundance and well being with you!

Gary

International Club 2010 Membership  Enroll here

Read the entire article New Slip in Housing Prices Undercuts Fragile Optimism

International Business & Investing Expanded


There is expanded international business and opportunity because wage earners and retirees in most of the Western world are being set up. This can create great international business and investing opportunity for you.

ecuador-real-estate

In a moment see why this Ecuador property offers such good value.

Whether this “set up” is on purpose, or not, is a subject of lively contention… but the intention doesn’t really matter much.   The results… created innocently or intentionally will be the same.  Disaster for the middle class.  However opportunities in international business, investing and lifestyles mean that you do not have to share in the loss.

We can begin to understand this fact with three simple thoughts.

The first thought is that the US is currently experiencing deflation. You can see from this graph from the Bureau of Labor Statistics.

small-business-statistics

The December 2008 message Multi Currency Inflation at this site, asked the question… will there be inflation or deflation.

Now we know.

The second thought is that the deflationary forces are creating inflationary fundamentals like we have never seen before. The inflation stage is set. This is a formula that means disaster for most… but this does not have to apply to you.

One reader just wrote:  I’m thinking a ‘creative way’ to fix a problem and work through one’s passion will not handle the whole situation.  I hope I’m wrong and you have an even better idea. Medicine and doctors.  Savings stripped.  Destruction of people’s lives and stability.  All done with intention.

The dollar is  going down the toilet, and the best option I see the Fed and Government taking (for themselves, not for us) is to have a debit system.  The debit system would pay people, and would pay others from the people’s account.  People would no longer research to save taxes.  Their accounts would automatically be debited with whatever the government deems able to be taken.  The funds would filter through the Central Bank to be certain the funds are going only where the government it should go.

There is no more representative republic.  There is no more self determinism.  There are no more freedoms as you can be controlled through your debit card.  If government decides you are an ‘unworthy person’ they can easily take all of your nest egg.  If Congress can so thoroughly devastate us overnight one time, they can do it again.  I have a real hard time thinking about a creative way to generate income.  I trust not a congressman.  I certainly do not trust the current administration.  I don’t think they’re through with us.  Best Wishes to you Gary.

Many readers share thoughts like this. I know that so many of you are suffering. Yet I must say: economics will get worse. Fortunately they will then get better.

This leads us to the third thought… which is “the common person who will bear the brunt of the upcoming inflation.”

Yet you do not have to suffer.

A USA Today article “Wages could hit steepest plunge in 18 years
 by Dennis Cauchon and Paul Overberg” explains the problem. Here is an excerpt:  A bad economy and low inflation are starting to drag down wages for millions of everyday workers and freeze benefits for millions of retirees.
Average weekly wages have fallen 1.4% this year for private-sector workers through September, after adjusting for inflation, to $616.11, a USA TODAY analysis of Bureau of Labor Statistics data found. If that trend holds, it will mark the biggest annual decline in real wages since 1991.
“Wages are usually the last thing to deteriorate in a recession,” says economist Heidi Shierholz of the liberal Economic Policy Institute. “But it’s happening now, and wages are probably going to be held down for a long time.”

Yet falling income for wage earners and retirees is meeting huge potential inflation according to the October 16, 2009  New York Times article  “$1.4 Trillion Deficit Complicates Stimulus Plans” by Jackie Calmes.

Here is an excerpt: The Obama administration said Friday that the federal budget deficit for the fiscal year that just ended was $1.4 trillion, nearly a trillion dollars greater than the year before and the largest shortfall relative to the size of the economy since 1945.  The shortfall for the fiscal year 2009, which ended Sept. 30, translates to 10 percent of the economy.  Economists generally agree that annual deficits should not exceed 3 percent of the G.D.P., and that is the level President Obama had vowed to reach by the end of his first term in 2013.  At 10 percent of the gross domestic product, the 2009 deficit is the highest since the end of World War II, when it was 21.5 percent. At the same time, many Americans are demanding further help, confronting forecasts that job losses will not peak until mid-2010.  Representative John A. Boehner of Ohio, the Republican minority leader in the House, rejected that position. “It is irresponsible for Democrats to continue spending taxpayers’ money we don’t have to fund an agenda that would destroy the jobs we need to get our economy moving again,” Mr. Boehner said.

The problem looks even worse according to another October 16 2009 USA Today article entitled “Obama team makes it official: Budget deficit hits record. By a lot.” Excerpts say: The Obama administration has released new deficit numbers, and they are not pretty.  The deficit for Fiscal Year 2009, which ended Sept. 30, came in at a record $1.42 trillion, more than triple the record set just last year.  In addition, future deficits are currently projected to total $9.1 trillion in the coming decade.

Yet while the wage earner suffers… others are becoming rich according to an October 17, 2009 New York Tines article entitled
“Bailout Helps Fuel a New Era of Wall Street Wealth” by Graham Bowley.

Excerpts say:  Even as the economy continues to struggle, much of Wall Street is minting money, many Americans wonder how this can possibly be. How can some banks be prospering so soon after a financial collapse, even as legions of people worry about losing their jobs and their homes?
It may come as a surprise that one of the most powerful forces driving the resurgence on Wall Street is not the banks but Washington. Many of the steps that policy makers took last year to stabilize the financial system — reducing interest rates to near zero, bolstering big banks with taxpayer money, guaranteeing billions of dollars of financial institutions’ debts — helped set the stage for this new era of Wall Street wealth.  A year after the crisis struck, many of the industry’s behemoths — those institutions deemed too big to fail — are, in fact, getting bigger, not smaller.  Now, the industry has new tools at its disposal, courtesy of the government.  With interest rates so low, banks can borrow money cheaply and put those funds to work in lucrative ways, whether using the money to make loans to companies at higher rates, or to speculate in the markets. Fixed-income trading — an area that includes bonds and currencies — has been particularly profitable
.

Here is why you do not have to suffer and can profit like the big banks.

Messages at this site have repeatedly shown that four ways to beat inflation are to invest in equities, real estate, your own business and commodities.

Commodities are riskiest in the deflationary times.

Equities have skyrocketed this year… as have bonds treated like equities.

This is as an excerpt from a recent  update in our Multi Currency course shows that 61% of my liquid portfolio is in bonds!

Here is the excerpt:

As of October, my current liquid asset allocation is:

Equities

Jyske Invest  Turkey Equity Fund          TRY-EUR        1%

Jyske Invest  European Equity                EUR-                2%

Jyske Bank Share                                       DKK                 2%

Bank of Florida                                          US$                  1%

Total Equity Position                                               6%

Emerging Bonds

Jyske Invest Emerg Bonds Fund          EMCS              8%

EuroInvest Bank Bond                             TRY               4%
Brazil Government Bond                         BRL               8%
Hungary Government Bond                    HUF              6%

EMCS (emerging market currency spread)

Emerging Bonds Total                                         26%

Bonds

Jyske Invest Danish Bond Fund                DKK            14%

Jyske Invest  European  Bond Fund          EUR           12%

Caisse D’Amort Dette Bond                        EUR             5%

Jyske Invest Swedish  Bond Fund              SEK             4%

Total Bonds                                                                 35%

Cash

US$                                                                                      15%

GBP                                                                                       8%

EUR                                                                                      7%

CAD                                                                                      2%

NZD                                                                                     2%

Total Cash                                                                 34%

Our multi currency subscribers have been able to  fight the dismal economy just like the big banks.

You can learn how to enroll in our multi currency course here.

US dollar denominated real estate also offers extra value now.  The dollar has fallen which reduces the price of real estate. This is why I am heavily invested in US and Ecuador property.

Take this acreage and farm house as an example.  This offers great value because it is an investment in real estate… a business and commodities (food)

ecuador-real-estate

Here is the farm house.  From the front porch there are…

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views of the acreage.

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including…

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animal pens…

ecuador-real-estate

crops…

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storage area…

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rental unit and…

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small local canteen the owner operates.  This is a…

ecuador-real-estate

great value at $79,000 asking.

Ecuador Living subscribers have been sent a full report on this property.  Learn more about Ecuador Living here.

You can see the property (until it sells) above on our Imbabura real estate tours shown below.

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

This is why we are providing a special three for one offer with our  course Tangled Web… How to Have an Internet Business

This course can help you create your own internet business.

Our emailed course “Tangled Webs We Weave – How to Have Your Own Web Based Business” is a continuing educational program.  You receive the first 28 lessons when you enroll and a new lesson every week or two.

This course teaches how to create a web based business and is developed from the ongoing experiences that we have from our successful and profitable internet business.

This course is well worth the enrollment fee of $299… but currently you also receive two additional courses FREE.

The other two courses are #1: International Business Made EZ, and #2: Self Fulfilled – How to be a Self Publisher.

These two courses have sold for $398 and thousands have paid this price. We add them to your course, at no added cost, as I believe they will help you develop a better business in these crucial times..

Even Better Get All three Courses Free

To make this offer even more compelling,  I am giving everyone who enrolls in all our seminars or tours for any one month, October, November or December, “Tangled Web… How to Have an Internet Business Course,”  “Self Fulfilled- How to be a Self Publisher” and “International Business Made EZ” free.

Inflation is coming and will hit wage earners and retirees hardest of all.  Yet you can succeed. We look forward to sharing ideas on how to succeed with real estate, multi currency bonds and equities and your own business.

Gary

Head south to Ecuador!

Here is the balance of our 2009 Ecuador real estate tour schedule…  plus Blaine Watson’s Beyond Logic and our last Ecuador Shaman Mingo of the year.

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

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

December 9-10 Imbabura Real Estate Tour

December 11-13 Ecuador Coastal Real Estate Tour

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

Our multi seminar-tour discounts have grown!

See the 2010 winter schedule below.

2 seminar courses & tours

3 seminar courses & tours   $1199 $1,749

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

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

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

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

ecuador-exports

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

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

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

We have been conducting Ecuador real estate tours for a decade longer than any others.   Our success has grown because we do not accept commissions on Ecuador estate shown on these tours.   Our goal is to help you know how to find the best deals on  Ecuador real estate.

The pictures below show some of the property we’ll view on the Ecuador real estate tours.

Delegates see two and three bedroom Andean condos like this.

ecuador-real-estate

with views like this…

ecuador-real-estate

In the $50,000 range.

Large square footage, fixer upper’s like this…

ecuador-real-estate

with large gardens and …

ecuador-real-estate

this view are offered at…

ecuador-real-estate

$30,000… asking.

We see luxury townhouses at $75,000

ecuador-real-estate

We view mansions…

ecuador real estate

inside and…

ecuador real estate

out.

ecuador-real-estate

Gated communities are visited.

ecuador-shots

Coastal land, houses and condos on the beach… near the beach and with views are seen.

ecuador-real-estate

We see beach front penthouses with these views.

ecuador-real-estate

Ultimate luxury…

ecuador-real-estate

Ecuador beach properties are…

ecuador-real-estate

seen.

Plus rustic houses with…

ecuador-real-estate

perfect beach position are found.  I am told that a delegate purchased this house on our last tour.

ecuador-real-estate

Here it that rustic house, on the right of Merri and me walking the beach with a friend and our hound.

ecuador-real-estate

These brand new beach view condos are $89,000 (some of these units for sale are mine and are offered at $79,000 for Ecuador Living subscribers).

ecuador-real-estate

We see luxury condos but also rustic beach B&B opportunities like the one below at $60,000… asking.

ecuador-real-estate

We’ll even see commercial Ecuador real estate opportunity like this hotel… and

ecuador-real-estate

even this Ecuador golf course on a lake that is for sale with…

two restaurants.

P1030417

with 144 seats and…

P1030525

rental units on…

ECUADOR-PROPERTY

this lake.

P1030427

We hope to serve you well with Ecuador real estate.

Gary

Read the entire articles:  Wages could hit steepest plunge in 18 years

$1.4 Trillion Deficit Complicates Stimulus Plans

Obama team makes it official: Budget deficit hits record. By a lot

Bailout Helps Fuel a New Era of Wall Street Wealth  by Graham Bowley

Small Business Tangled Idea


Here is a tangled small business idea that can untangle complications in your life and career.

Cotacachi-Otavalo

See how this woman may help make your life better… and you hers.

This tangled thought begins with two of the major themes at this site… “turn your passion into profit” and “embrace change”.

Yet momentum off us keeps us locked in a rut… until something like the recent economic crash breaks or ends our routine or job.

Such seeming problems can lead us to our real passions and desires.

otavalo-Ecuador

People like this can make a new business for you fun… and you theirs.

Excerpts from a recent USA Today article “For some, hard times are a gateway to new careers” by Rick Hampson explains how (the bolds are mine): To  cope with the recession, people like Sussy Deleon are coming up with creative ways to make a buck. Listen to Deleon, who was in real estate, describe her new business: selling pinatas handcrafted by artisans in Guatemala.

For millions of Americans, the recession has been a curse. For a relative few, it’s something more complicated: A catalyst for change. An opportunity to grow.  A kick in the butt.

In some cases, economic necessity has been the mother of re-invention. It has forced people to pursue careers they might never have considered if they hadn’t gotten — or quit before getting — the ax.  Their optimism is based on two convictions: That even in hard times, people still will spend on things like their dogs, their kids and their looks; and that things such as flexible hours, casual dress and a shorter commute are worth a few lost dollars.  Above all, they agree that if they hadn’t been pushed, they never would have made the leap.

Andrea Kay, author of Life’s a Bitch and Then You Change Careers, says many people hang onto jobs they don’t like, oblivious to the fact that their unhappiness — which they mistakenly think they can hide — hurts their performance and attitude.

It’s the same in every economic downturn, says David Kyvig, a Northern Illinois University historian who wrote Daily Life in the United States, 1920-1940: “When things are going well, we tend to stay with what’s working. When they don’t, we explore something new.”  In a surprising number of cases, we’re happier — “if, after the shock, anger and fear, someone is willing to see there’s an opportunity to do something different,” Kay says. “Then they ask, ‘Why did I wait so long?’ “

Research indicates that workers who change jobs generally are more satisfied in their new positions than their old ones, even though they often take cuts in salary and benefits, AARP economist Sara Rix says.

A new idea

Sussy Deleon got her idea for a recession-proof business at her son’s first birthday party.  The young guests couldn’t break the piñata to get at the goodies. The piñata, made in China, was cardboard, not wire-and-tissue paper like those in Deleon’s native Guatemala.  When the recession dried up her real estate sales practice in Providence, she decided to import piñatas handcrafted by Guatemalan artisans in designs ranging from animals to clowns to spaceships. Deleon, 39, sells them at her new shop, the Piñata Center, for $40 to $50.  “People still have some money to spend, and they’re going to spend it on their kids” — particularly on special occasions, she says.  After four months in business, Deleon’s begun to make enough to cover her costs.

A passion Caroline Blake knew what she didn’t like — her job — and what she did — animals. The result was a new career in pet care.  A year ago, Blake, 29, of Kenilworth, N.J, was a recruiter for an IT consulting firm that was laying people off. Fearing she was next, she quit. She bought a Fetch! Pet Care franchise for $10,000. Some friends were skeptical. “You’re leaving a good-paying job to walk dogs?” she says one asked.

Blake often works seven days a week, starting as early as 6:30 a.m., with a last walk at 11 p.m. She went three months this summer without a Sunday off.  She has integrated pet care into her lifestyle — while sunbathing around the pool or watching TV. She’ll even jog with a dog.
She charges $18 for a 30-minute visit and $55 a night to keep a dog overnight at her home. She also provides overnight sitters. She says she still makes a fine living, about 75% of what she earned as a consultant. “Smartest thing I’ve ever done,” she says. “Every day, a different dog.”

Trying something different Springs, 45, was laid off in April. In her next job she wanted security, and she wanted to make things with her hands. After considering more gender-typical jobs — nursing, teaching — she settled on a six-month welding program at Central Piedmont Community College, with $4,000 in tuition and fees covered by federal stimulus money.  She’s the only woman enrolled in the six-month program. Her first welding job should pay $28 to $32 an hour, about twice what she made as a driver.  “When you get knocked down, you brush yourself off and get up,” Springs says. “My daughter’s watching my response. Does she see me wallow in pity or try something different?”

This is why we are providing a special three for one offer with our  course Tangled Web… How to Have an Internet Business

This course can help you create your own internet business or how to market your prodcut or service over the internet.

Our emailed course “Tangled Webs We Weave – How to Have Your Own Web Based Business” is a continuing educational program.  You receive the first 28 lessons when you enroll and a new lesson every week or two.

This course teaches how to create a web based business and is developed from the ongoing experiences that we have from our successful and profitable internet business.

This course is well worth the enrollment fee of $299… but currently you also receive two additional courses FREE.

The other two courses are #1: International Business Made EZ, and #2: Self Fulfilled – How to be a Self Publisher.

These two courses have sold for $398 and thousands have paid this price. We add them to your course, at no added cost, as I believe they will help you develop a better business in these crucial times.

Cotacachi-Otavalo

Meet these Otavalo textiles producers  at our next Ecuador export tour Oct. 21-24 Ecuador Import Export Tour

Help these wonderful people expand their businesses as you begin yours.

Or come to our January 2010 Ecuador export tour.

May I add that we have done  a pretty good job helping readers start their own business already? Here are a few examples of small businesses that have been started with our help.

From Sandra, a restaurant owner:

“Dear Gary and Merri, yes I did it! Without you and your wonderful writing class I would not have been able to see my potential!! I THANK YOU BOTH! You told me to write about what I know and I did. Thank you for all the encouragement. Starting today, we are taking orders and I wanted you to be the first to know! So here goes…..I have some exciting news to share! I have just written my first book and very much appreciate your help. This book would make a great gift for any bride-to-be or even the parents of the bride (especially if they’re paying the bill)! Please check it out. I genuinely appreciate you helping me spread the word! Thank you!! Sandra”

Recently Sandra wrote again: Hi dear ones,  I just wanted to share an update with you.  Look what we are doing for Feed The Children and introducing our hCard Program to their schools!  Remember it was at your meeting, that Marvin and I met.  He is now our vice president!

Remember the book I wanted to write while attending your class in the mountains…….I did finish it and now it has been “purchased” as an online downloadable version. for a network marketing company.  Learn more about Feed the children and Sandra’s book form Sandra Burnett at sburn10@aol.com.

From Jerusha, an anthropologist:

“Hello Gary and Merri. I am the first in the class to publish! I published a calendar!

“I posted the lulu site on the forum because it looks like a good place to start for people. It is a lot of fun and very easy to do. Jerusha”

From Todd, a wedding photographer:

“Thanks, Gary and Merri name recognition is beginning. Here is my new photoletter that your program helped me develop. I’m getting more clear about my own marketing now, so I may be able to better advantage of it. I am planning now to send out an email once a week showcasing new photos and creating awareness for my products and services. By mid July, I will place my first greeting card order (with a printing company Merri recommended in Cotacachi). So, I will soon have an inexpensive product to offer along with the more expensive prints that I sell. So far, I’ve got 60 opt-on subscribers to my email list, and I am telling everyone I know about it, so it’s starting to grow nicely. My first goal is to have 1000 readers. I’ll see how quickly I can accomplish it. Take care, Todd” Learn more about Todd’s business at todd@toddsmithphotography.com

From Mickey, a real estate broker:

“I want to say thank you for the inspiration and encouragement that I received through your publishing program. I recently published a 28 page booklet” Naples is Priceless “. This FREE booklet is being distributed through the Chamber of Commerce, banks, hotels etc. With over 25 years as a Naples Realtor I can now let potential real estate buyers gain knowledge and inside tidbits about this beautiful area. Again, thank you for helping me develop my potential. Micky”

From Michelle who was on disability: “Hi Guys, I have been working my tail off applying the stuff that I learned from both your publishing seminar. Amazing how much meat I keep pulling out of those conferences! I want you to be the first ones to know that I just finished my first e-book: “A Practical Guide to Social Security Disability Benefits”. I am very excited!

“You have no idea how much I have learned and continue to learn from both of you and how my life has changed since I met you. Having learned from you the basic premise of diversification, how to follow your passion and tap into your personal knowledge base, I seem to have one opportunity after another present itself and I am making the best of it. The really exciting thing is that this has allowed me to build a foundation which I continue to use to launch my new endeavors. The possibilities are endless!

“Here’s an Update : “I get on average 368 – 522 visits per day! And I rank in the top 2 pages of Google search for tons of keywords below are just a few:  holistic living tips 1 and 2 out of 1,620,000 – definition healthy spirit 1 and 2 out of 1,840,000 – emotional healthy living 1 out of 2,060,000 – benefits of Healthy Living 6 and 7 out of 2,420,000 -holistic wealth 3 out of 1,810,000 – definition of healthy 7 out of 2,910,000 – healthy holistic living 2 and 3 out of 1,980,000 - holistic living Google 14 out of 2,300,000 – holistic health tips 10 out of 1,960,000

“ Gary you are right the internet is the Great Equalizer! See what I have published,  My best to you as always, Michelle”

Since sending that note Michelle’s site has grown to over 1,000 visits a day! Learn more about Michelle’s business from her at mtoole2@tampabay.rr.com

We hope to help you take advantage of the great economic shifts we are experiencing now create your own business which is why I am making a special offer below.

Gary

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

You can now get Tangled Web, How to Have an Internet Business  and my other two business courses described above free.

I am giving everyone who enrolls in all our seminars or tours for any one month, October, November or December 2009, the online courses “Tangled Web… How to Have an Internet Business Course,”  “Self Fulfilled- How to be a Self Publisher” and “International Business Made EZ” free.

Yet there is even more.

Join our Ecuador courses and tours October, November or December…. but you do not have to.

Head south. Experience Ecuador or…

Oct. 21-24 Ecuador Import Export Tour

Otavalo-art

Meet Ramiro on the export tour.

Otavalo-art

We like his style and…

Otavalo-art

have purchased…

Otavalo-art

many of his works ourselves.

Oct. 21-24 Ecuador Import Export Tour

Oct. 25-26 Imbabura Real Estate Tour

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

December 6-8 Beyond Logic Shamanic Tour

December 9-10 Imbabura Real Estate Tour

December 11-13 Ecuador Coastal Real Estate Tour

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

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

If you cannot attend a 2009 seminar or tour sign up for the three online courses for $299 now and I’ll give you full credit of this amount on any of our seminars or tours in January, February or March 2010.

Global Investment Advantage


The big advantage to global investments is that the sun always shines somewhere.

ecuador-opportunity

Follow the sun… and the opportunity… like this (a Galapagos Ecuador sunset actually).  There is opportunity here.  See why below.

Ecuador real estate offers great opportunity, but lets expand our investing view globally… then we’ll see more Ecuador real estate.

Recently, on the anniversary of the bankruptcy of Lehman Brothers, Ben Bernanke said that the US recession is probably over but the economy will remain weak for some time due to unemployment.

He said, “From a technical perspective, the recession is very likely over,”  He said the consensus is the economy is growing yet added that the economy would still feel “very weak” to Americans concerned about job security.   The stock market was not impressed and Wall Street fell  lower.

According to Jyske Global Asset Management, (JGAM) retail sales jumped 2.7% in August, the fastest rise in more than 3 years, but much of the spending came from the “cash for clunkers” boost and “back to school” month related sales. They question if Bernanke is correct.

JGAM also pointed out that the US dollar continued to slide hitting a 2009 low at 1.4748 to the euro while gold rise above $1,000 oz.

JGAM’s managed portfolios have performed very well.  Year–to-date they have risen between 8.7% and 28.7% depending on the risk profile and portfolio.

What can one do?

First, remember that the sun always shines somewhere as evidenced by a September 17, 2009 New York Times article entitled “Recovery Picks Up in China as U.S. Still Ails” by Keith Bradsher.

Here are some excerpts:  Investors’ interest in the real estate market is picking up as economic growth returns across the Chinese economy.

Just eight months ago, thousands of Chinese workers rioted outside factories closed by the global downturn.

Now many of those plants have reopened and are hiring again. Some executives are even struggling to find enough temporary staff to fill Christmas orders.

The image of laid-off workers here returning to jobs stands in sharp contrast to the United States, where even as the economy shows signs of improvement, the unemployment rate continues to march toward double digits.

In China, even the hardest-hit factories — those depending on exports to the United States and Europe — are starting to rehire workers. No one here is talking about a jobless recovery.

Even the real estate market is picking up. In this industrial town 90 miles northwest of Shanghai, prospective investors lined up one recent Saturday to buy apartments in the still-unfinished Rose Avenue complex. Many of them slept outside the sales office all night.

“The whole country’s economy is back on track,” said Shi Yingyi, a 34-year-old housewife who joined the throng. “I feel more confident now.”

The confidence stems from China’s three-pronged effort — a combination of stimulus, liberal bank lending and broad government support for exports.

The Chinese Central Bank said the country’s economy surged at an annualized rate of 14.9 percent in the second quarter. The United States’ economy shrank at an annual rate of 1 percent in that period.

“So often China and the U.S. are mixed together as being in the same situation, and that is totally wrong,” said Xu Xiaonian, an economist in Beijing with the China Europe International Business School.

But with more economic planning than the United States, China has been able to disburse its stimulus much faster, turning it into new rail lines and highways.

The state-controlled banking system here — which breezed through the global financial crisis with minimal losses as American financial institutions reeled — unleashed $1.2 trillion in extra lending to Chinese consumers and businesses in the first seven months of this year. That money is financing everything from a boom in car sales, up 82 percent in August from a year earlier, to frenzied factory construction.

To be sure, not all the laid off workers throughout China have been hired back.

“Some plants reduced worker numbers by 20 to 30 percent, now they hire back 10 percent,” said Stanley Lau, deputy chairman of the Federation of Hong Kong Industries, which represents export-oriented factories employing 10 million Chinese workers.

Global investors can kill two birds with one stone… invest in a faster growing economy and diversify out of the US dollar by investing in Chinese equities.

One way to invest in China is with the Jyske Invest China Equities Fund. This fund is available to non US residents and can be contained in portfolios of US residents managed by JGAM.

Jyske Invest recently wrote at its web site:

Market Comments, Q2 2009

Still signs that the economy will improve. For the second quarter, the fund generated a return of 38.01%, outperforming the benchmark by 0.21 percentage point. For the year to date, the fund posted a return of 40.71%, underperforming the benchmark by 1.38 percentage points.

Review

Over the past quarter the economic indicators continued the good trend. The PMI indicator, reflecting the general economic development, has now increased in six out of the latest seven months. When the PMI indicator is above 50, it is an indication that the economy is growing, which was the case in the past three months. The improvement of the economy has occurred earlier than expected.

Consumption indicators also show a positive trend. This is clearly reflected in the fund’s equities within consumption. Prices of several of the fund’s producers of sport equipment and cars such as China Dongxiang and Dongfeng Motor increased in particular.

There are clear indications of a turnaround in the real estate sector. The number of transactions increases sharply and the number of unsold apartments is on the decline. Our allocation to Chinese real estate companies has been high, which had a favourable impact on the relative return.

Outlook

We expect the favourable economic development to continue into the last six months of the year and that the government will continue to pursue a relaxed policy. The risk is that the policy is tightened again, which will adversely affect the equity market.
The market is no longer undervalued. Perhaps the valuation is fairer. A positive economic development and increasing earnings must drive equity prices higher now. The development in earnings estimates will be followed closely.

Jyske Invest adds that past performance is not a reliable indicator of future results. The value of and return on your investment may fall, and you may not get back the full amount invested.

The fund invests chiefly directly and indirectly in equities issued by companies which are based in China including Hong Kong or which pursue more than 50% of their activities (by sales or production) in China including Hong Kong.

Risk factors

The fund’s investments have a high risk profile and may see substantial fluctuations in the market value of the fund’s assets. The objective is to obtain a higher average return over time.

Performance of the fund for the last five years is below:

china-fund

Returns by year.

china-fund

Recent major investments.

china-fund

An ETF traded on the New York Stock Exchange that investors can use to invest in China is the SPDR S&P China Fund (symbol: GXC).  Any investors can buy this through Jyske or most stock brokers.

This fund aims to track the S&P Citigroup BMI China Index, a market capitalization weighted index that defines and measures the investable universe of publicly traded companies domiciled in China.  This is an easy way to hold the equivalent of a broad spread of Chinese shares.

Here is a chart from finance.yahoo.com showing the movement since inception of this ETF.

china-fund

For investors who want to invest in the Chinese yuan but not the Chinese stock market the WisdomTree Dreyfus Chinese Yuan Fund  Investment ETF  is listed on the New York Stock Exchange (symbol: CYB).

This ETF  seeks to earn current income reflecting money market rates in China, as well as provide exposure to the movement of the Chinese Yuan relative to the U.S. Dollar.

For more information US investors can contact Thomas Fischer at Jyske Global Asset Management at fischer@jgam.com

Non US investors contact Rene Mathys at Jyske Bank Private Bank at mathys@jbpb.dk

Investors in China and/or the yuan should exercise caution and recognize that there can be short term volatility.   There are huge amounts of borrowed dollars invested in China and any time there is a wave of fear or profit taking this thinly traded market and the yuan can drop rapidly.  For example in August 2009 18.4%, or nearly 500 billion yuan of the funds in the market were pulled as investors locked in profits on the Chinese stock market.

There had been months of gains, so the sudden pull back was not surprising as doubts about valuations and the sustainability of the economic recovery began to grow with rising prices.   Shanghai’s stock market declined 21.8% in one month.  There can be sudden and sharp pressure any time investors turn cautious.  However after the 21% drop in this market, autumn may be a better time to buy.

There is an Ecuador agricultural opportunity… in the Galapagos.

ecuador-opportunity

Here is an aerial view.

ecuador-opportunity

Stay tuned as I’ll introduce this in an upcoming message.

Gary

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

This is why we are providing a special three for one offer with our  course Tangled Web… How to Have an Internet Business

This course can help you create your own internet business.

Our emailed course “Tangled Webs We Weave – How to Have Your Own Web Based Business” is a continuing educational program.  You receive the first 28 lessons when you enroll and a new lesson every week or two.

This course teaches how to create a web based business and is developed from the ongoing experiences that we have from our successful and profitable internet business.

This course is well worth the enrollment fee of $299… but currently you also receive two additional courses FREE.

The other two courses are #1: International Business Made EZ, and #2: Self Fulfilled – How to be a Self Publisher.

These two courses have sold for $398 and thousands have paid this price. We add them to your course, at no added cost, as I believe they will help you develop a better business in these crucial times..

Even Better Get All three Courses Free

To make this offer even more compelling,  I am giving everyone who enrolls in our Ecuador International Business & Investing seminar in November all three courses, “Tangled Web… How to Have an Internet Business Course,”  “Self Fulfilled- How to be a Self Publisher” and “International Business Made EZ” free.

Head south to Ecuador!

ecuador-hotel

Oct. 21-24 Ecuador Import Export Tour

Oct. 25-26 Imbabura Real Estate Tour

ecuador-hotel

In Cotacachi the weather is always Spring like.  Here is the village plaza near our hotel Meson de las Flores.

Join us with Peter Laub of Jyske Global Asset Management in Ecuador. Learn more about global investing, how to have an international business at the seminar.

Nov. 6-8 IBEZ Ecuador Seminar

ecuador-hotel

Let our friendly staff at Meson de las Flores serve you.

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

ecuador-hotel

This shorts weather photo was taken from our beach penthouse in February.

December 6-8 Beyond Logic Shamanic Tour

December 9-10 Imbabura Real Estate Tour

December 11-13 Ecuador Coastal Real Estate Tour

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

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

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

Read the entire article “Recovery Picks Up in China as U.S. Still Ails” here

How to Make Money in the Multi Currency Era


The US and Ecuador property market offers a rare opportunity to make money in this multi currency era. Here is an excerpt from a recent multi currency update.

Two economic forces have come together to create extra special profits.

I know because the same  combination occurred in London during the late 1970s and allowed me to increase an investment eleven times in two years by buying property then.

Earlier in 1970 I had lived in London, England for a year, then moved to Hong Kong. During that time I also maintained a home outside of San Francisco, California.

This was a time of great inflation. My homes in California and in Hong Kong appreciated greatly. In the mid 1970s, when I moved from Hong Kong back to London, I noticed that London real estate was priced about the same as it had been in 1970. This puzzled me. Why had London property prices remained flat despite inflation?

On investigation, I learned that there had been a huge real estate crash in 1970 which continued to dampen real estate prices six years later despite the rampant global inflation. I felt this was a great distortion as European property prices had risen, but London prices had not. Yet London offered the best utility as the center of the English speaking world. This, to my way of thinking, created a huge distortion.

It’s late 1976. Britain faced  a sterling crisis. In less than two years the pound has fallen from $2.40 to $1.60. Investors had no faith in the British economy, or the government that ran it. The government’s budget was a mess.  Investors  were ditching the pound.

The plummeting pound pushed the economy to breaking point. Prime Minister Callaghan, in desperation borrowed as much as possible, £2.3 billion from the IMF.

At that time, the British pound collapsed to its lowest level ever (a pound per dollar for a short time) so the distortion widened. This meant in US dollar terms London property had dropped almost 50% while property in other major cities of the western world had increased in price by three or four times.

london-house

The house I bought was right next door and very similar to this house in Bedford Park, London W4.

This house in West London was 34,000 pounds, 9,000 pounds down (then $9,000).   I took a mortgage for 25,000 pounds ($25,000).  I lived in the house and three years later the pound had recovered to 2.2 dollars per pound plus London real estate had caught up with property in other major western centers. I sold the house for 115,000 pounds or $253,000 a profit of $244,000 on a $9,000 investment.

Now it’s the US dollar that is very low.

You will have seen articles something like the the September 7, 2009 Bloomberg article “Weak Dollar? Currency, at 10-Year Low, May Fall More” by Bo Nielsen.

An excerpt says: Anyone who says the dollar is weak after it fetched a record-low $1.3681 against the euro and the fewest pence against the pound in 25 years is expressing a euphemism.

The currency may decline at least another 10 percent by the end of 2008, say Jay Bryson, an economist at Wachovia Corp., and Kenneth Rogoff, the former chief economist at the International Monetary Fund. The dollar has only fallen 3.4 percent in the past two years to a 10-year low, according to a Federal Reserve index that weighs trade with 38 countries including China, Mexico, Canada and countries in Europe. It tumbled 30 percent in the three years ended 1988.

“Dollar weakness will be broad-based and could last for years,” said Bryson, a global economist at Charlotte, North Carolina-based Wachovia who previously analyzed currencies at the Federal Reserve.

Investors are dumping dollars, lured by higher returns elsewhere. The U.S. will grow more slowly than Europe for the first time since 2001 and Japan for the first time in 16 years, the IMF forecasts. The difference in yield between 10-year German bonds and Treasuries has shrunk to the smallest since 2004.

Those who read this site regularly or subscribe to our multi currency course know that I reported my personal portfolio and recommended getting out of the US dollar in February 2009. See that recommendation here.

I showed that my portfolio was 86% out of the greenback.

My liquid portfolio currency allocation was reported as Brazilian real  4%,
 Denmark kroner  33%
,  euro 31%
, British pound 10%
, Turkey lira 8%
, US$ 14%.

I also mentioned in February that I was going to start buying Florida real estate.

So Merri and I began looking and in our research found that there appears to be a hole in the market for Central Florida property selling in the million to $750,000 range.  There seems to be no buyers at all. We have been watching prices tumble hundreds of thousands.

We are viewing one property next week that started at $800K+. It just dropped $100,000 last week from $395,000 and is now down to $295,000.

This is about a 25% drop in that house’s price in six months. That’s pretty good!

Now look at what this means in depreciated dollar terms.

dollar-chart

Here is a chart of the euro to US dollar from yahoo.finance.com from February 2009 to September 10, 2009 when this was written.

In February a US dollar bought .80 euro so that house at $395,ooo cost 319,200 euro.  Now a US dollar buys about .68 euro so this house at $295,000 costs about 200,000 euro.

That is a drop in that house price of 37% in six months in terms of euro. That’s even better!

Here is the magic in this hidden, built-in profit.  For most of the market, the profit is hidden.  Most investors are not comparing currencies and real estate prices.  Yet these distortions will filter through. Eventually European investors…. or those like me who are holding currencies other than dollars will see this distortion and cash in.

I, and now you, just have an advantage because we are always looking at both markets… currency and real estate.

Ecuador Real Estate Cheaper as Well

This also creates better value on Ecuador real estate. Take for example one penthouse property I am selling at $139,000.

This is a perfect property for those who want peace… quiet…and instant access to miles of empty, warm Pacific beach.

ecuador beach rentals

This two room, top floor penthouse is at Palmazul and includes use of the the swimming pool, tennis courts… and spa.   You can dine here, one floor below.

ecuador beach rentals

The units are fully equipped… kitchen…

Ecuador beach rentals

with full size fridge.

Living room…

Ecuador beach rentals with a view…

Ecuador beach rentals leading…

Ecuador beach rentals to large private balconies…

Ecuador beach rentals with these views…

ecuador beach rentals

and sunsets to kill for.

ecuador beach rentals

Long walks on the beach… you can amble at low tide for ten miles and not see a soul.

ecuador-seminars

Luxury bathrooms with bathtub…

Ecuador beach rentals

and a king size bed with view and caressed by the ocean breeze.

Ecuador beach rentals

This unit would have cost 111,000 euro in February. Now the price has dropped to 94,500 euro… just from the dollar’s fall.

The US and Ecuador property markets offers a rare opportunity to make extra profit now because of hidden added value from the US dollar’s fall. History suggests that real estate is a real asset so its price rises as the currency its counted in falls.

These corrections take time because most property owners do not calculate their property in multi currency terms.  Those of us who watch this can gain extra profit now.

The article above is an excerpt from a recent Multi Currency update. Learn more about multi currency investing. Subscribe to our multi currency course.

Gary

The greatest asset of all is the ability to earn globally in many currencies.

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

Our emailed course “Tangled Webs We Weave – How to Have Your Own Web Based Business” is a continuing educational program.  You receive the first 28 lessons when you enroll and a new lesson every week or two.

This course teaches how to create a web based business and is developed from the ongoing experiences that we have from our successful and profitable internet business.

This course is well worth the enrollment fee of $299… but currently you also receive two additional courses FREE.

The other two courses are #1: International Business Made EZ, and #2: Self Fulfilled – How to be a Self Publisher.

These two courses have sold for $398 and thousands have paid this price. We add them to your course at no added cost as I believe they will help you develop a better business in these crucial times.

Even Better Get All three Courses Free

To make this offer even more compelling,  I am giving everyone who enrolls in our North Carolina or Ecuador International Business & Investing seminar in October or November all three courses, “Tangled Web… How to Have an Internet Business Course,”  “Self Fulfilled- How to be a Self Publisher” and “International Business Made EZ” free.

Join us with Jyske Bank and my webmaster David Cross in West Jefferson North Carolina. Learn more about global investing, how to have an international business at the seminar.

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

Or head south to Ecuador!

October 16-18 Ecuador Southern coastal tour

Oct. 21-24 Ecuador Import Export Tour

Oct. 25-26 Imbabura Real Estate Tour

Join us with Peter Laub of Jyske Global Asset Management in Ecuador. Learn more about global investing, how to have an international business at the seminar.

Nov. 6-8 IBEZ Ecuador Seminar

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

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

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

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

Read the entire articles:

Weak Dollar? Currency, at 10-Year Low, May Fall More

Dollar Is Near Lowest in Almost Year as Borrowing Costs Plunge

Retire in Ecuador – Beat Inflation


A good reason to retire in Ecuador or away from your home is to beat inflation.

Yesterday’s message looked at reason why inflation is not a problem now… but it will be… probably in a serious way.

See below three ways to beat inflation.

First… live or retire in Ecuador or any country where the cost of living is low.

These nice houses in Cotacachi were offered at $49,000.  That beats inflation when you retire in Ecuador.

retire in ecuador

Costs are low. This fixer upper in Cotacachi has an asking price of $30,000 with…

retire in ecuador

a huge yard filled with mature fruit trees and…

retire in ecuador

this view.

Second, invest in land or commodities.

A long time friend Steve Rosberg whom I first met when he was my banker in Ecuador recently sent me this note as he operates a timber plantation and real estate development in Argentina.

Gary, During our visit to New York two weeks ago, a friend and former colleague from my banker days pointed out that Latin America had been the perfect training ground to succeed in the current investment environment. I agree 100%.

In case there was any doubt, California’s  issuance of IOU’s to settle short term debt was the final confirmation, and was rapidly followed up by other corollary events, such as banks stating that these could not be accepted as deposits. This would be obvious to anybody thinking about it, but apparently, most people weren’t.

Those IOUs are a different ‘currency.’ They are a currency which you will see more of in the future, as the issuer (the CA government) is still running deficit budgets, and no new voluntary lenders are rushing in to fund them.

Decidedly a  scenario familiar to those of us who have been through a number of LatAm crises. If an Argentine president tried to pass those IOU’s off, nobody would be foolish enough to take them in the first place, and the international press would ridicule the plan as another example of LatAm fiscal impropriety.

Meanwhile, the debate seems to rage between “Are we going deeper into recession? Are we going into high inflation? Are we going into stagflation?”

The answer is yes, absolutely!

How do we position our portfolios to make the best of this without taking on more downside risk?

This is the crux of why we have developed our business as we have:

- to have growth even if there is recession (the trees keep growing, the vineyard too),
– to have value even if there is high inflation (timberland, vineyard, hotel, all real, appreciating assets that will both protect the real value of your initial investment from inflation’s erosion and generate cash flows that will also increase in this scenario),
– to have current revenue originating in the sustainable production of real assets,
– to do so in environmentally responsible ways, and
– to enjoy what we are investing in.

In short, what you want now for the long run.

We continue to believe that debt free assets producing real commodities and generating solid returns are the antidote to portfolios stricken by the poor performance of supposedly safe, “mainstream” assets, and will continue to be so going forward.

Yes, we’re from Argentina, that means we’ve been preparing for these markets for decades. Our customers didn’t lose money last year-they made it.

Visit our website and write back for more information, it’s always our pleasure to be in touch with you.

With best wishes, Steve Rosberg  www.ushay.com

Third, invest in commodity based equities.

The excerpt below is from our Multi Currency course and shows why global inflation is a problem.

A recent article in the Economist showed that the US deficit could be three trillion dollars in 2010.   Half of this would come from borrowed funds.  Normally this would cause the US dllar to fall versus other currencies.

A free fall in purchasing power of all currencies is also more likely than in previous recessions (1970s and 1980s), because then, the US overspent but other major governments, especially Germany and Japan, were still conservative and fiscally prudent.

This is no longer true. West Germany unhinged fiscal common sense when it absorbed Eastern Germany.

Excerpts from a May 14, 2009 article in the Financial Times entitled “Germany set to suffer record deficit” by Bertrand Benoit says:

The German government will record its biggest post-war budget deficit this year as the economic crisis sends tax revenues plummeting, Peer Steinbrück, finance minister, said on Thursday.

Mr Steinbrück admitted the federal deficit would exceed €50bn in 2009 and rise to €90bn next year, more than twice the previous record of €40bn set in 1996 as Germany was absorbing the huge cost of its unification. In contrast, the federal deficit last year was only €11.9bn..

Germany and Japan have both been hit especially hard by this recession because their economies have been so dependent on exports and global trade.

Germany has a huge amount of short-time working and its exports have fallen dramatically.  Like almost everywhere, government income is dropping as spending is on the rise.

If the German economy were to continue to shrink at its current pace, it will be a 20% smaller by the end of 2009.

This means Germany remains in default (as does France, Italy and Spain) of the three per cent limit in the EU stability pact.

All eurozone countries, but especially those with larger deficits, such as Italy and Spain, face a similar problem…  rising costs… aging populations… growing pension and health costs while faced with reduced income.

Asia Troubled As Well

This year, Japan suffered its first annual trade deficit in nearly three decades and business has slowed dramatically there. Global demand for Japanese products plummeted in 2008 and exports were down 16% in the year to March 2009 compared to 2008.

Hong Kong’s economy gives a glimpse into China’s economic soul and here business also contracted at the fastest rate since the Asian financial crisis.

The first three months of 2009 had the biggest drop in more than half a century.

The Hong Kong government predicted that GDP would contract by up to 6.5 per cent in 2009.  Total exports dropped 22.7 per cent in the first three months of 2009 compared with the previous year – the biggest drop since 1954. Overall investment fell by 12.6 per cent and private consumption by 5.5 per cent. The unemployment rate also rose to a 38-month high of 5.2 per cent in the first quarter.

Huge Economic Problems

Huge economic problems create huge investment opportunity and one of the greatest problems facing the world is that education has not evolved as fast as democracy.  Too many poorly educated voters expect their government to do more than they can… or should.  The voter’s desires and expectations are ill informed and generally incorrect… yet their vote is as powerful as an educated one.

This forces politicians to act (spend) more than they have.  This tends to create inflation.   This rather predictable fact has become increasingly global so choosing a strong currency becomes increasingly hard.  Most currencies are at risk to inflation.

This is why stocks, commodities, real estate and your own business makes so much sense now.   There is a caveat.  Always invest in good value in these things.

This is why my attention was really captured when I read about the ALTIS Global Resources Fund.

This is a fund that invests in commodity backed equities and is advised by value guru Michael Keppler.

If you are a new reader learn about Keppler Asset management here.

This creates a powerful combination for opportunity.  The figures below support this.

Michael Keppler recent sent me this note:

Gary, Attached please find the latest Fact Sheet and Performance Review (as of April 30, 2009) for the ALTIS Fund Global Resources, a global sector fund we advise, which was featured in an e-fund journal report of May 4, 2009 as one of the “top 10 natural resource equity funds” based on its 5-year Sharpe Ratio calculated by Lipper.

This fund seeks long-term growth of capital by investing primarily in equity securities issued by companies located anywhere in the world with business operations in the energy, natural resources and precious metals sectors.

You can learn more about this share and read this entire multi currency report as a subscriber to our multi currency course.

Economic fundamentals suggest that the price for ending the current recession will be inflation.

Three ways to fight inflation are retire in Ecuador or some other country with a low cost of living or to invest in real estate, commodities or commodity based investments.

Gary

Join us at our North Carolina farm this July or October for our International business & investing seminars below. Learn more about how to fight inflation and retire in Ecuador.

July 24-26 IBEZ North Carolina

Oct. 9-11 IBEZ North Carolina

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

July 24-26 IBEZ North Carolina

Oct. 9-11 IBEZ North Carolina

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

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

Oct. 21-24 Ecuador Import Export Tour

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

Clean Green Income


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

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

Clean up your wealth with disinfectants.

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

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

First let me introduce you to a new idea.

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

The delegates at this seminar…

multi-currency-debt

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Good bye colds, flu and the rest.

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

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

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

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

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

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

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

Mark Lord

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

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

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

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

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

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

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

Cotacachi Organic Cleaner

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

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

Cotacachi-Organic-Cleaner

Rosita Molena

Cotacachi-Organic-Cleaner

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

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

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

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

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

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

There is a way.

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

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

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

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

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

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

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

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

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

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

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

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

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

Gary

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

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