Tag Archive | "fresh food"

Ecuador Car Rental Review


See below why our recent article about Ecuador car rentals aroused more than just comments about cars. That message evoked a strong reaction to change… a change that must take place…  a change where resistance is futile and in many places a gesture that degrades our chances for happiness, health and a life of ease.  See why below.

We Americans do love our cars.

I know.

I have kept my little Suzuki Samari going for 22 years now… and hopefully will be driving it for another 22 years…. or more.

Our friend, Richard Goebel, who manages our North Carolina farm has a Samari as well.  He just installed a Volkswagon diesel engine in his.

He has another engine… I hope destined for my Samari.

Then with our sunflower crop… we can make bio diesel.

international_business070621a_1.jpg

Four wheel drive from flowers. What fun!

Plus what a great way to beat rising gas prices and help the environment a bit.

However, I have strayed from the point.

I was not surprised that my suggestion in the Ecuador car rental article “get a driver rather than rent a car  in Ecuador” caused some panic.

You can read that article at car rentals in Ecuador

Beware those who try to separate Americans from their cars!  This caused one reader to worry so about the cost of cars that he wrote:

Hi Gary,  what about importing your own car, or buying one there?
From what you are writing, the living seems to be very inexpensive, that is until you want to travel on your own. Try that on $1000 month or a fixed income.
All that shines is not gold. Reading between your lines these past 3 months I have come to conclude that there are lots of “hidden” costs in living in this 3rd world country.

I have lived for decades in many similar countries, and even worse, however never have I encountered such car costs as you describe. These are by far the most expensive car rentals I have heard of.  Doesn’t make sense living there unless one wants to walk or take taxis everywhere. An independent person would be doomed to frustration.  No, thanks…this was the article that opened my eyes.

This reader jumped to some incorrect conclusions. The gist of the article was that people who visit Ecuador should hire a car and driver.

The car rental situation is quite different for a tourist than for someone who has moved to Ecuador, learned the system… knows the roads and is not trying to see the country in a limited  time period.

Many people who live in Ecuador have cars.  Cars are not that expensive…. especially new ones partly assembled in Ecuador.

Gas is really cheap ($1.50 a gallon) and mechanics very inexpensive.

We recently looked at buying a four wheel drive Land Rover Challenger in good shape for our hotel.  The asking price was $15,000.  But we wouldn’t drive it.

GoEcuador says: It is now possible to obtain a used car in good condition beginning at $4000.

I just posted an entire report about prices of used cars for our Ecuador Living subscribers. If you do not subscribe to Ecuador Living and want that report on Ecuador car prices, learn how to get that report here.

Plus that reader says he is independent because he has a car?

He forgets the fact that this means he is very dependent on cheap gas… something he may not have for long.

In Ecuador, the cost of hiring a driver can be less then renting a car and may even less than owning your own car. The availability of drivers with cars can eliminate the idea that we become dependent on others if we do not have a car.

One small piece of technology altered the automobile driver equation… the cell phone. In Ecuador most people have cell phones.   A number of drivers we and many others rely on have cell phones.  A car is always just minutes away from a call… no parking… no insurance… no maintenance… no getting gas.

Another reader wrote:

Thank you!  We would purchase a locally manufactured ‘middle of the road’ (pun) vehicle.  But I’m worried about drivers, accidents, tickets, gringo-problems with the locals and the police as well as the various other road condition, speeders, etcetera other issues.  (We have both driven over 45 years in various countries with no tickets – I’m not worried about our driving.)  We plan to relocate to Ecuador – probably suburban/rural area (but near enough to a city with a bilingual school) so will need a car daily for commuting our daughter to school, shopping, and more.  How can it be affordable to take taxis all the time instead of owning a vehicle ourselves?  Please let me know how others do it.   Do you and Merri drive in Ecuador? Thanks.

These notes conjure several important points about change from living in Ecuador or anywhere abroad…  points that go way beyond cars.

These readers, like so many readers who contact me, projected the old American commuter ideal onto an imagined lifestyle into Ecuador.

Why?

This mental error is understandable.   We Americans are car junkies.

I am living proof.

Like many Americans I obtained my driving license on my 16th birthday.  Shortly after I found a job and bought my own car… a 58 Chevy Bel Air just like this.

ecuador-car-rentals

That was a great car and I just about lived in it.  We boomers in high school were judged by our cars!

I initially carried the burden of the car mentality with me when I left the USA.  I have driven in some crazy places during my time… jungles… war zones… deserts… swamps.  We’ve had our car robbed in Nice … had fender benders in Djakarta and on roundabouts in London and Rome.  Merri had her car bombed in the parking lot of the Picasso Museum in Barcelona…along with everyone else’s car there. (Long live the Basques!) Plus I have had a couple of cars stolen and some serious smashes in the US.  I live with the effects of a broken back, whiplashed neck and busted knee from driving an Austin Healey Frogeye (see below) into an 18 wheeler truck .

So I have experienced the good and the bad of cars.

When Merri and I bought our first hacienda in Ecuador, the seller threw in a really great, old Land Rover… gray… perfect leather seats but so old it had only three switches… one for the lights, one for the windshield wipers and one that apparently did nothing.   You could (and we did) start that vehicle with a hand crank.  The heating and air conditioning system was a flap in front that you could either open or shut.

We loved that car and I drove it exactly once… from our hacienda to Calacali… about a hour ride with only 15 minutes on a paved road.

The rest of the time we had our driver drive us.  This provided one more job in a country that needs employment plus gave Merri and me time to talk… look at the scenery and not worry about parking and all the rest of the hassle that comes with driving.

That is the only one time I have driven in Ecuador in all these decades.

Now let me add… I have always been a driver.

When I lived in Hong Kong I had a car… a great little Sprite Frogeye. Like this…

I loved that car in Hong Kong but hardly ever drove it.  I took the peak tram, the Star Ferry, taxis… the trolley and even jumped on the bus from time to time.

Why?

Have you ever tried to park in Hong Kong?

Ditto for London. I had a number of cars… first a little MG Midget like this.

In 1970, I drove that MG from London to Rome with my wife and two children… one still in diapers… a mistake… having not learned about the luxuries of Eurorail.

Then I had an Audi… a Peugeot… a BMW… and a Triumph Spitfire.

Yet I rode my bicycle many miles through London traffic from my home is Chiswick to my office on Artillery Row near Buckingham Palace.  I was often stopped by the police and even ticketed for riding my bike on a short cut through Kensington Gardens.   I also regularly used the Tube.

Why?

Have you ever tried to drive in London?

Plus riding the bike every day eliminated having to drive the car to a gym… a double savings.

Here is a point about change that goes beyond cars.

Americans are car addicted because of the nature of America.

Americans need and are highly dependent on cars because everything is spread out,  gas has been cheap, there is little public transportation and labor is expensive.

This set of conditions does not apply in all countries.  Cars are an asset in the USA but they can be liabilities elsewhere.

Why in a time when the environment is at risk through pollution… energy prices are rising… and roads are becoming more and more congested… would one want to stick to a lifestyle that revolves around one car per person if that is not the most effective lifestyle?

The one car per person mentality is old thought.

We really need to move onto the new.

Due to high labor costs, Americans have become hooked on DYI.   Yet when we move to a country with great, low cost labor… it makes sense to take advantage of these conditions.  Everyone gains.

When we can do good, why not create a bit of employment and save time, energy and money… why not sit back and enjoy the ride?

Hundreds of my readers have moved to Ecuador.  Almost none have chosen to buy a car because they really are not needed in many places there.

In Cotacachi we walk. Our friends who have moved to Cotacachi report  losing weight, feeling better and having more energy… in part because they walk more instead of driving.

Taxis are very inexpensive.  Most trips around town are a dollar and they come quickly to a cell phone call.  Though Merri and I do not use the buses, many of our friends do. The system works well.  If we need to take a trip away from the village, we have a number of drivers who have excellent vans and cars who charge between $55 and $70 to take us wherever we want to go.  A ride is  available at any time night or day… with one cell phone call.  Usually on a long furniture shopping trip to many places nearby, we might spend $10-$15….plus we have the advantage of the driver’s help, no problems parking, etc.

We have eliminated the cost of the car… gas… maintenance…. insurance…. parking… security.

Many US and Canadian readers write to us asking about cars…. big refrigerators… washing machines and dish washers.  These are all products that have evolved from North America’s spread out, low energy, high labor cost, nationally distributed, highly preserved food lifestyle.

In many countries you do not need these expenses and burdens.  You can walk daily to the market and get great fresh food.  This is fun!

Why have a huge fridge?  Merri and I love visiting the market. We searched for the tiniest fridge we could find.  We live just like we lived in London for all those years.  Every morning out on the streets looking for THE perfect vegetables, fruits, etc. and then enjoying a morning coffee and back home with everything for lunch!  What fun!

ecuador-car-rental

Here’s the kitchen of one of our condo rentals.  Do you see a fridge?  It is tiny and hidden away. We amble to the food markets instead. Cotacachi market is just three blocks away and we enjoy buying our food fresh from our neighbors.

ecuador-car-rentals

Ecuador Visit

The market provides these bicycle carts. For 50 cents or a dollar a happy man will ride all your groceries home for you….and put them away if you like!

The food market is fun and we love having a hot fig and cheese sandwich for breakfast. Not a combination most would ever dream of. They are delicious but missed if you are driving your car though miles of traffic to get to the American style super market!

Why pay a premium for imported dishwashers and washing machines when you can have cheerful, happy people do your cleaning and ironing for you?  You save time, energy and create employment to help the poor.

Which makes more sense?  Spend extra money for a very expensive  imported washing machine that takes up space in your home… and requires effort on your part or spend a LOT LESS money letting these two cheerful mothers, Rosita and…

ecuador-car-rental tags

and Rosita Elena…

ecuador-car-rental tags

do your laundry and deliver your sparkling, ironed clothes to you?  I love all natural clothes but they do require startch and ironing…and here’s our delightful answer.

You save space, money and help the Rositas support their families.

There is another important point here.

You help the environment. One washing machine that serves 20 families is better on the environment than 20 machines serving families.

Ditto for cars. Even in the USA, car sharing is growing as explained in the Washington Post in an article entitled “Car-Sharing Merges Into the Mainstream
Not Just for Tree-Huggers: Businesses and Universities Help Drive Growth of Flexcar, Zipcar.”

You can see how Car sharing is growing in Germany and car sharing is growing in Japan.

Car sharing is growing in these industrialized countries because labor is still dear.  In Ecuador you can car share with a driver!

Plus one more really important point.   With rising energy costs, why would any of us think that on a limited budget we can continue to have this wasteful high energy lifestyle?  Why would we even want our old wasteful high energy lifestyle?  Americans have been warned.  Four dollars a gallon gasoline can return.

In fact four bucks a gallon may be low.  In Europe gas can cost seven dollars a gallon.

This note is not about cars.

It is about change.

We’ll be seeing more and more change in our lifetimes… coming faster.

We can profit if we adapt to the change and take advantage of new circumstances by living in new ways based on the local conditions that surround us.

Those who try and stick to old ways in a new environment will lose opportunity and ease in life at best. They may even suffer… sometimes a lot.

Change means we may life differently than before.  Change means we may even choose to live in a country where we were not raised and born.  This change can enhance our lifestyle… improve our health…. relieve our stress… if we adapt and embrace that country for what it is and enjoy its unique attributes.

If we choose to leave one country… why try to reproduce what we decided we no longer enjoy? If you want a mini USA or another Canada in Ecuador… but on the cheap… I expect you’ll be very disappointed coming to Ecuador.

Ecuador is a great place to be… but it is Ecuador… not Canada… not the USA.

Think about the quote by Anatole France about change: All changes, even the most longed for, have their melancholy; for what we leave behind us is a part of ourselves; we must die to one life before we can enter another.

Through change we may lose the one car per person lifestyle… but gain stronger legs… healthier lungs and cleaner air.  We may not be able to jump in the Chevy, go to the levy and drop off the laundry, do the banking  and get a Big Mac on the way… but in the change we can eliminate our fear of the meter maid.

Plus that ride can still be provided by a wonderful knowing person… just one cell phone call and minutes away.

Do not get me wrong. I still have cars… three right now in fact… all in the US, a Honda minvan for long drives and our old Suzuki and a conservative Dodge pickup for use on the farm.  Conditions warrant each.

Yet I am thinking about creating bio diesel from the farm when change brings the day that gas is not so available or cheap.

We have no car in Ecuador and have never missed one for a second.

If change is bringing a time when the daily one person per car commute must pass… Ecuador is a great place to get started.  For car sharing with drivers, taxis, buses and yes walking… Ecuador is a good place to be. 

Gary

Join Merri me and Thomas Fischer of JGAM and our webmaster David Cross in North Carolina this October.

Learn more about global investing, how to have an international business and early retirement in Ecuador at the course.

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

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

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

See why we love Cotacachi Market here.

Ecuador visit

Ecuador Retirement Lifestyle Shift


Retirement in Ecuador can shift lifestyle towards simplicity.

In a moment, let’s look at the current way to earn more income with greater safety for retirement, in Ecuador or anywhere, for now or for future retirement.

First, let’s look at how many North Americans are learning to make whatever income they have go farther… with simplicity.

When you retire in Ecuador one great benefit is being surrounded by a culture that understands and lives simply.

There are many simply pleasures in Ecuador like…

retire in Ecuador

Don’t get me wrong.  You can enjoy  luxuries when you live or retire in Ecuador.

This excerpt from a recent article at Ecuador Living entitled “Retire in Ecuador Guide – Communications” shows how to eliminate long distance telephone charges in Ecuador:

When you retire in Ecuador enjoy new but different luxuries. Luxury differs in every culture and country. For example in Ecuador, tile roofs, hardwood and ceramic floor tiles  (luxuries in North America) are low cost, standard building supplies.

A regular maid, to do dishes and laundry, costs little.

Yet washing machines and dishwashers are expensive luxuries in Ecuador.

Cars cost a lot in Ecuador.  Cabs and drivers with their own cars are cheap because personal cars have a high duty.   Commercial vehicles can be imported into Ecuador without tax.

People who couldn’t afford housekeepers or gardeners in North America can do so when they live or retire in Ecuador.

Take time to understand the system and compare costs before setting your lifestyle. Hold off on the big fridge. This will cost a lot.  A maid buying fresh food in the market every day creates employment and costs less!

Read all of  Retire in Ecuador Guide – Communications

retire in Ecuador A simple Ecuador pleasure is the good humor man on the waterfront.

Excerpts from a recent USA TODAY article  for Boomers, recession is redefining retirement  by Christine Dugas, explains more:

Life changes are becoming a focus, along with retirement-expectation changes.

“People are stepping back and asking themselves truly, ‘How much is enough?’ ” says Sheryl Garrett, a financial planner in Kansas City, Mo. It’s more of a movement to simple living than just a temporary spending cutback. “People are taking ownership of what they can control.”

Many Boomers are so busy dealing with their daily lives, from monthly bills and vacation plans, to doctor appointments and children’s college hopes, that they seldom considered their futures. And they often believe that life sort of ends with retirement.

The financial crisis has forced them to look ahead. In reality, they will live much longer and be healthier than their parents’ generation. And retirement may be filled with much more than playing golf or cards.

Retirees get married, they move, and some even have children, says James Richardson, a financial planner in Raleigh, N.C.

“In many cases, people feel more productive if they continue to work during retirement,” he says. “That was true even before the financial crisis.”

“We have to look at retirement differently,” she says. “They always say that if you are going to work in retirement, do the things that you love to do. So I’m not going to complain. I love teaching.”

Baby Boomers such as Neilson may change retirement. “They may re-create themselves so that they can do something that is productive and still earn a paycheck,” Garrett says.

People are not living on an extraordinary gravy train, he says, and they can’t use their houses as ATMs any longer. And they can’t count on buying a new refrigerator just because they want one, as opposed to when they need one.

See more on this at Wild Health & Profit.

retire in Ecuador

A simple Ecuador pleasure is a just caught fresh from the sea….fish for a dollar.

If you are planning a simpler life, you may want to consider retiring in Ecuador.

Create Extra Investment Income the Simple Way

If you plan to retire in Ecuador or are saving for a later retirement, you’ll want to increase profit and safety.

This is possible even in the recession because for the first six months of 2009 JGAM’s low risk strategy has been their best performing strategy.  With a 100% loan their low risk portfolio has risen 11.4% or at a 23% per annum rate.

Here is an excerpt from our latest multi currency lesson:

JGAM believes that this low risk strategy will remain productive for the rest of 2009 for several reasons.

First they do not believe that the economic recession is over yet.  JGAM expects the turnaround to be L-shaped (not V-shaped). This means economic growth is not expected to return to normal levels in a foreseeable time.

This economic stall creates a lack of growth that will limit corporate earnings potential and keep inflation in check.

A slow economy, without inflation, favors bonds and leaves equities at risk.   JGAM does not expect inflation to be a real threat in the near future.

Short term rates are also likely to be kept artificially low by governments to help the banking industry.   Banks are making huge profits by paying low rates on client deposits and lending the funds at higher long term rates.

Here is an example of how leveraged bonds work. Two bonds available now are:

US$ 5% Korean Electric Power  (A rated ) due 17 – 01 – 2017 paying a yield of  5.05%

GBP 5% Rep. of Hungary due 06 – 05 – 2014 price paying a yield of 10%.

Assume an investment of $100,000 in each bond… from a $100,000 investment plus a $100,000 US dollar loan at 2.75%.

The average yield per annum is 7.52% or $15,050, less $2,750 loan costs.

That leaves a $12,300 return or 12.3% per annum instead of a 7.52% return on an unleveraged $100,000 investment.

Both managed and advisory clients with JGAM can invest in a leveraged low risk portfolio but managed portfolios can obtain the greatest advantage of the strategy.

The two benefits of a managed portfolio are JGAM’s active monitoring make international investing simple plus gives the ability to invest in a wide range of global securities that are not available for most advisory clients.

Americans who live in the US but have advisory accounts cannot buy most overseas bonds.  US advisory clients who live outside the US can buy these bonds.

You can get more information from Thomas Fischer at JGAM. His email address is fischer@jgam.com

Enroll in our Multi Currency Course here

Gary

Join Merri, Thomas Fischer of JGAM and me in North Carolina this July and enroll in our multi currency course free. Save $175.

Learn more about early retirement and Ecuador.

July 24-26 IBEZ North Carolina

Oct. 9-11 IBEZ North Carolina

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

July 24-26 IBEZ North Carolina

Oct. 9-11 IBEZ North Carolina

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

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

Oct. 21-24 Ecuador Import Export Tour

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

Read the entire USA TODAY article For Boomers, recession is redefining retirement at www.usatoday.com/money/perfi/retirement/2009-06-16-retirement-boomers-recession_N.htm

Vilcabamba Real Estate


Vilcabamba, Ecuador is one of the most popular destinations my readers wrote about.

Read about Vilcabamba real estate for sale and then see a link on Ecuador’s ticket tax.

I am always happy to accept advertisements for Vilcabamba real estate like the one below.  This is from one of the big attractions there as the community based around CLUB HACIENDA EL ATILLO, RESORT & SPA.

Vilcabamba has great beauty. This is a view from the Club Hacienda El Atillo gated community in Vilcabamba.   See dozens more pictures from CLUB HACIENDA EL ATILLO, RESORT & SPA here.

This photo was taken from the LA MOLIENDA DE EL ATILLO lodge which has three apartments that can be rented (two to four people) on a daily or monthly basis.

Here is a house in the community.

vilcabamba-ecuador

and plaza.

vilcabamba-plaza

Merri and I visited Vilcabamba a number of times over a decade ago because during our initial research the Ecuadorian consul told of Vilcabamba’s great beauty and he explained that the residents had longevity.

After our first two journeys to Ecuador, I became increasingly fascinated with the fact that some of the valleys including Vilcabamba have special qualities, which enhance longevity. Residents in these valleys had a history of reaching extreme ages.

Imagine sitting in your back yard as you view the mountains of Vilcabamba Ecuador.

vilcabamba-ecuador

So I was delighted a few months ago when Manuel Riofrio, the developer of Club Hacienda El Atillo Resort & Spa decided to place an advertisement for his project with us.

I have heard back from readers who really liked what they saw. Now Manuel has placed another ad… plus sent the many pictures of his project and the people living there… below.

There are plenty of ways to enjoy healthy exercise at the Club Hacienda El Atillo gated community in Vilcabamba.

vilcabamba-ecuador

Tennis courts at LA MOLIENDA DE EL ATILLO lodge.

Plus places to meet.

vilcabamba-ecuador

Get together…

vilcabamba-ecuador

Get good, fresh food.

vilcabamba-ecuador

and stay healthy.

vilcabamba-ecuador

Here is what Manuel originally wrote about Vilcabamba.

I am the developer of a project in Vilcabamba Loja Ecuador Which we feel is an excellent place for those who wish to enjoy the magic of this valley but also wish convenience. Our project is only two blocks from the center of the village.

We have great experience in this area as our family has owned the farm “EL ATILLO” for 200 years. We now wish to share this experience with those who wish to live in our longevity valley. We offer land parcels, houses and suites. we have developed 36 lots and 25 have been sold, ten to Americans, four Europeans and eleven to Ecuadorians.

Club Hacienda El Atillo is in an advanced state of construction, our condominiums are almost finished, our club area is 65% complete and we feel that the project is very special.

Here are some more photos taken at Club Hacienda El Atillo in Vilcabamba Ecuador.

Wonderful flowers.

vilcabamba-ecuador

Great landscaping.

vilcabamba-ecuador

Scenic views.

vilcabamba-ecuador

CLUB HACIENDA EL ATILLO, RESORT & SPA has 24/7 Security, Swimming Pool, Tennis Court, Library, Restaurant, Bar, Chapel, Spa., Gym, Equestrian Club, Gallery, Gardens, Cascades, Walking paths, sidewalks and Roadways,club house, Plaza, 360 degree panoramic and breath taking view of the Valley and more.

vilcabamba-ecuador

Plus now there is more you an learn about Club Hacienda El Atillo Resort & Spa in Vilcabamba, Ecuador.

Manuel recently wrote:

Club Hacienda “El Atillo” Resort & Spa. Vilcabamba, Ecuador can now be seen on a YOUTUBE.com  video.

See www.youtube.com/watch?v=lu3ewPgU_Nc

See it in high quality by clicking on lower right hand corner at YouTube.

There is also a  New York Times link that says more about Vilcabamba in a series on Vilcabamba: 1 of the 4 Long Live & Prosper Villages of the world:

See: http://online.wsj.com/article/SB122367266613424083.html?mod=yhoofront

vilcabamba-ecuador

We currently have 16 lots available from 3,000 to 12,000 square feet and 1 large lot of 50,000 square feet.

Our gated community, El Atillo, Club Hacienda, Resort and Spa, in Loja Province of Ecuador is a great place to live.

We offer one of the best options in Vilcabamba with:

* Very competitive prices.
* Proximity to Vicabamba’s Central Park.
* Beautiful views and wonderful landscaping.
* New Hacienda architecture.
* All the amenities and features of a 5 star club.

We can build houses or cabins for you in our New  Hacienda style.

vilcabamba-ecuador

Construction runs from $55 to $65  a square foot.

Lots sell for approximately $4.80 a square foot.

Our lodge also offers rental accommodations for your short or long staying…  $25 per day or $450 a month for suites and $650 a month for  apartments.

Club’s shares are $5000.

vilcabamba-ecuador

LOTS FOR SALE at El Atillo, Club Hacienda, Resort and Spa

vilcabamba-ecuador-ad

Approximate prices and square footage

Lot # Area (sq. ft +-)     Cost Land       No. Club Shares          Total

9/2       13,200             $57,900           4     $20,000          $77,900
9/3       13,000             $53,950           4     $20,000          $73,950
9/4       12,000             $52,300          4     $20,000          $72,300
9/5       14,000             $61.400          4     $20,000           $81,400
_____________________________________________________________

8/1       5,000              $23,600         2       $10.000            $33,605
8/2       6,200             $28,700         2        $10,000            $38,700
8/3       6,000            $27,900          2        $10.000            $37,900

_____________________________________________________________
______________________________________________________________

9/12     706,52        33.912,96         2        10.000                        43.912,96
9/14      816,43       39.188,64         2        10.000                        49.188,64
_______________________________________________________________

8/15     3,700             $17,300         2        $10,000              $27,300
8/16     2,800            $13.000         2        $10,000               $23,000
8/17     4,400            $20,300         2        $10,000               $30.300
8/18     2,800            $13,000         2        $10,000               $23,000
8/19     5,000            $23.750        2          $10,000               $33,723

Method of Payment

1st. option: 25% down payment 75% =12 monthly installments

2nd. option: 25% down payment, and 3 payments within 1 year

3rd. option: cash (12% discount)

You can get more information, prices, a full brochure and site plan of Club Hacienda El Atillo Resort & Spa in Vilcabamba Ecuador from Manuel Coriofrio by email  at elatilloclubhacienda@hotmail.com or manuelvivancoriofrio@hotmail.com

Or call his mobile phones at: 092.772546 or 099.444495

Until next message, may every nook and valley of yours have such beauty as well.

Gary

See an update on Ecuador’s Ticket Tax here.

Join us at an upcoming Ecuador or North Carolina conference or tour.

June 12-14 Shamanic Mingo Tour

June 16-17 Imbabura Real Estate Tour

June 18-21 Ecuador Coastal Real Estate Tour

July 4-8  Ecuador Export Tour

July 8-9 Imbabura Real Estate Tour

July 10-13 Ecuador Coastal Real Estate Tour

July 24-26 IBEZ North Carolina

Sept. 17-21 Ecuador Spanish Course

Sept. 23-24 Imbabura Real Estate Tour

Sept. 25-28 Ecuador Coastal Real Estate Tour

Oct. 9-11 IBEZ North Carolina

Oct. 21-24 Ecuador Import Export Expedition

Nov. 6-8 IBEZ Ecuador

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

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

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

Ecuador Sanctuary


Here is a shot taken from the front yard of our Ecuador sanctuary in the Andes.

andean-sanctuary

This land is part of a cloud forest and we are often truly above the clouds!

andean-sanctuary

Many valleys in Ecuador are famous for the longevity of the residents. Our search for such valleys led us to understand that we can use more than landscape to live better, richer and longer.

This article was written on May 2, 2009, on the 41st anniversary of starting my international business.  Yet I plan to keep writing and sharing information for 41 more years!

This was more than an idle boast.  The promise was made from a belief and understanding that  began to grow when we first arrived  in Ecuador and began searching for the longevity valleys there.

That longevity search an Ecuadorian  Taita Yatchak (Shaman of the highest learning) who told us there was an unoccupied valley with special healing powers.

He offered to take us there.  (More on why below).

Here is Merri and me with the Taita Yatchak after purifying in a sacred spring in preparation for the trip into the Ecuador longevity valley.

Ecuador-longevity

We invited friends and started our journey at 4:30 a.m.  hiking from 10,500 feet, to 14,000 feet. Here we are getting ready to go.

Ecuador-Longevity

After hours of climbing we descended 4,000 feet down a hidden, mud, animal trail for three hours into a virtually impenetrable cloud forest, ripped by thorns, cut by razor grass, soaked, and caked in mud.

Here we are ready to descend.

Ecuador-longevity

And here we are in the cloud forest during  the descent.

Ecuador-longevity

By the time we arrived in the valley, it was just minutes before dark. We were fatigued by the high altitude, bone weary from our packs, every muscle aching from fighting all day with the sucking mud (which had regularly pulled off our boots).

We stayed in a floorless, leaky thatch hut, sleeping on dirt, no heat except the cooking fire, no running water, no nothing. The next morning, to our surprise we all felt and looked  wonderful! Those who had been injured had no sign of the injuries. We explored the valley which is perpetually wrapped in mist and fog. We swam in small icy, deep blue lagoons and did ancient exercises while the Taita Yatchak talked with us. We were continually cold, wet, dirty and cramped-all 12 of us in this tiny hut with its earthen floor.

I cannot describe how we felt except to say none of us had ever had so much fun and had such a sense of well-being.

There is something about the valley I cannot yet explain. Even at times when we were really worried about some of the party who had gone into shock from fatigue, there was never a moment of regret.

We discovered a magical quality to this Sacred Valley and even over a decade and a half after our return have found powerful emotional and physical evolutions happening to all of us. Merri and I, along with the others, feel physically stronger, more alert, more positive, more active and yet more serene than ever before in our lives.

After this journey we purchased the 962 acre Hacienda Rosaspamba and lived and studied there for nearly a year with the Taita Yatchak and his apprentices.

Ecuador-longevity

Here is another shot at Rosaspamba of one of the yatchak’s apprentices.

Living in a healthy place like Rosaspamba can help longevity.  More important is the fact that one can have longevity anywhere.  We discovered this at our other sanctuary in the Blue Ridge Mountains where we also live.  The family cemetery on our farm has five headstones with people aged 86, 91, 95, 100 and 115 at death.

The 115 year old lived from 1794 to 1909. I  wonder what type of medical insurance she had… back here in these hills. Here is that cemetery.

Health-Savings-Longevity

Merri and I have studied global health secrets for decades and have lived with healing masters from China, Tibet, the Andes and India to learn that it is not only where you live.. but how you live that creates longevity.

ecuador-longevity

Mountain mists are important to longevity.  One Ecuador shaman taught us that the hydrogen ions in the mists bond with free radicals on the skin to cleanse the body from the outside in.

Longevity does not come from quadruple bypasses, pacemakers, chemo, radiation and all the modern drugs so many people use.

Up here in these mountains people in decades and centuries past labored, breathed clean air, drank pure water and ate fresh food. These were hardy mountain people who worked hard, had little, ate little and with that made the most. Life was simple and they kept it that way. Longevity was their reward.

Now is the time to be thinking about longevity.

Many of us work so hard to build financial security then lose it through lingering illness or even worse death, heart attacks – stress, diabetes -bad diet, cancer – over-aggression created by the effort.

ecuador-longevity

Good water is important to longevity. This is a mineral thermal springs near Cotacachi Ecuador that we visit for a soak on our Ecuador shamanic mingo tours.

Does this lifestyle make sense?

The answer, “No, it does not make sense” led Merri and me, many years ago, to sell our home in Old Naples, Florida, leave the stressful city and move here to our secluded Blue Ridge farm and Andean plantation.

We have learned that there are many simple secrets to longevity.  They are harder to use in busy cities.

Here are three secrets we gain from untold hours shared with clients and friends who are expert in all types of healing. These secrets come from years of experience with disciplines like acupuncture (when I first lived in Hong Kong) when they were still considered witchcraft in the Western world, and from our years of living with healers from India, Tibet and the Andes.

I share these as a layman, but one who has watched his weight melt from 220 to 150 pounds. They are shared by a 62 year old male with a pulse of 99 over 60 something and a resting heartbeat in the low 60s whose energy and stamina is high.

The secrets are not shared just to stop you from getting sick either. They are to help you have more stamina, vitality, energy, endurance as well as longevity so you can enjoy life more!

The first secret is not a secret at all, but a simple reality that most ignore.

Restrict your diet. Cut down your caloric intake. This is the only factor that I have studied that has been scientifically supported. Plus the residents in the three valleys where National Geographic documented extra longevity had caloric intakes ranging from 1,200 to 1,800 calories a day.

For example in Vilcabamba (one of Ecuador’s longevity valleys) over one person per thousand lived to be 100. In the U.S. the figure is one per 33,000! The average caloric intake in this valley (in the past) was about 1,200 calories a day.

Secret #2 is to have more than a routine.

Create ritual! Those who live extraordinarily long lives seem to share this common trait. Whatever they do they do in moderation, in a very similar way and with great gusto. For example, if they drink an ounce of whisky every day, at six o’ clock, they do not do this at five some days and eight others. They do not have a half ounce one day and two another. They tend to have one ounce at six p.m. every day. This instills discipline, keeps life simple (very important) and allows the body to get used to doing whatever it is it has to do. Take Chris Mortensen one of the oldest documented men in the 1990s who at 113 said of his weekly cigar, “If you take my weekly cigar away from I am going to die”. The anticipation and ritual of whatever pleasure he receives from this is far more life giving than the stress. The world’s oldest documented woman in the 1990s, Jeanne Clement, at age 122 drank cognac and ate a pound of chocolate a week (but never two).

Secret #3 is to remain independent, challenged, active and needed. One of the most important features that was found in every valley where people lived long lives was that old age was revered. Often people at age 100, even 110 are still active and working! Max Zimmer of Los Angeles came to the US from Austria in 1911 with only a two dollar bill. At age 103 he still had the same two-dollar bill and had built and still ran a multimillion-dollar business. One MD, who specializes in anti aging, points out that most centenarians seldom spend much time with doctors. When they finally get sick, they die quickly and with little expense. They depend on themselves to remain healthy not others. Having a good savings and investment plan for old age is also an important factor to remaining independent. Are any of these factors in your routine and plans? Most of us have to answer “no”.

This is why Merri and I moved to our farm in North Carolina and Ecuador and have worked at instilling these simple formulas (and many others) into our lives.

We live in a rapidly evolving, often frantic and polluted world. Escape from the crowds may help longevity a bit.  However escape from bad lifetsyle habits helps longevity even more.  Merri and I look forward to sharing the longevity habits we learn with you.

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 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 Writer’s Camps and 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 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)

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

Learn more about our trip into the Llanganatis Valley here

Ecuador & Longevity


Ecuador is known for the longevity of many of its residents.

National Geographic published a great article, “Every Day Over 100 is a Gift” that outlined how and why residents in some Ecuador valleys like Vilcabamba live much longer (up to 130 years) than in the West.

vilcabamba-ecuador-back-yard

View of Vilcabamba from Club Hacienda el Atillo , Resort and Spa.

Yesterday’s message Ecuador and global investing pointed out that May 2, 2009 was the 41st anniversary of my investing and working globally.  That message ended with my plans for sharing the next 41 years with you.

Don’t Believe it?

62? Plus 41?  103? Could this be true?  I have a great grandparent (from Wales) who lived to 106, so why not?

Expecting to live long (I mean really expecting) makes it is more likely that you will. One of the greatest health risks we have is buying into the social myth that we should retire at age 65.

Every ancient text of wisdom suggests that 50 years of age is the midpoint… the time when life becomes more spiritual, wiser and that we have 50 or  more years to go.  If you are Biblical try rereading the book of Leviticus.

I believe this.  Below you’ll see  someone who agrees!

How will you look when you are 97?

ecuador-longevity

This is a photo of Shigeaki Hinohara this year at age 97.  The photo was taken from an article at japantimes.co.jp entitled WORDS TO LIVE BY Author/physician Shigeaki Hinohara by Judit Kawaguchi.

Here is an excerpt from that article (the address for the entire article is at the end of this message).

At the age of 97 years and 4 months, Shigeaki Hinohara is one of the world’s longest-serving physicians and educators. Hinohara’s magic touch is legendary: Since 1941 he has been healing patients at St. Luke’s International Hospital in Tokyo and teaching at St. Luke’s College of Nursing.

Always willing to try new things, he has published around 150 books since his 75th birthday, including one “Living Long, Living Good” that has sold more than 1.2 million copies. As the founder of the New Elderly Movement, Hinohara encourages others to live a long and happy life, a quest in which no role model is better than the doctor himself.

Energy comes from feeling good, not from eating well or sleeping a lot. We all remember how as children, when we were having fun, we often forgot to eat or sleep. I believe that we can keep that attitude as adults, too. It’s best not to tire the body with too many rules such as lunchtime and bedtime.

All people who live long — regardless of nationality, race or gender — share one thing in common: None are overweight. For breakfast I drink coffee, a glass of milk and some orange juice with a tablespoon of olive oil in it. Olive oil is great for the arteries and keeps my skin healthy. Lunch is milk and a few cookies, or nothing when I am too busy to eat. I never get hungry because I focus on my work. Dinner is veggies, a bit of fish and rice, and, twice a week, 100 grams of lean meat.

Always plan ahead. My schedule book is already full until 2014, with lectures and my usual hospital work. In 2016 I’ll have some fun, though: I plan to attend the Tokyo Olympics!

There is no need to ever retire, but if one must, it should be a lot later than 65.

Share what you know.

When a doctor recommends you take a test or have some surgery, ask whether the doctor would suggest that his or her spouse or children go through such a procedure.

To stay healthy, always take the stairs and carry your own stuff.

My inspiration is Robert Browning’s poem “Abt Vogler.” My father used to read it to me. It encourages us to make big art, not small scribbles. It says to try to draw a circle so huge that there is no way we can finish it while we are alive. All we see is an arch; the rest is beyond our vision but it is there in the distance.

Pain is mysterious, and having fun is the best way to forget it.

Don’t be crazy about amassing material things. Remember: You don’t know when your number is up, and you can’t take it with you to the next place.

Science alone can’t cure or help people.

Life is filled with incidents. On March 31, 1970, when I was 59 years old, I boarded the Yodogo, a flight from Tokyo to Fukuoka. It was a beautiful sunny morning, and as Mount Fuji came into sight, the plane was hijacked by the Japanese Communist League-Red Army Faction. I spent the next four days handcuffed to my seat in 40-degree heat. As a doctor, I looked at it all as an experiment and was amazed at how the body slowed down in a crisis.

Find a role model and aim to achieve even more than they could ever do.

It’s wonderful to live long. Until one is 60 years old, it is easy to work for one’s family and to achieve one’s goals. But in our later years, we should strive to contribute to society. Since the age of 65, I have worked as a volunteer. I still put in 18 hours seven days a week and love every minute of it.

These are some great tips and Hinohara is proof of the pudding that we can improve our chances of longevity anywhere!

Gary

ecuador-longevity

Shamanic Mingo at Inkapirka.

Learn secrets of longevity on our Ecuador Shamanic Mingo Tour.

June 12-14 Shamanic Mingo Tour

June 16-17 Imbabura Real Estate Tour

June 18-21 Ecuador Coastal Real Estate Tour

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

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

There is such an important connection between good health, longevity and wealth that Merri and I incorporate longevity sessions into our courses, especially your shamanic mingo tour.

ecuador-longevity

Good food, like this fruit at the Cotacachi Ecuador farmers market is important to longevity.

Here is what some previous delegates have said about our tours.   These tours  change lives in more than just monetary ways as some of the delegates who have attended previous courses have written.

“For years and years I have searched for truly like- minded people to play with and work with… people who are deeply and honestly SPIRITUAL.”  J.M. Texas

ecuador-longevity

Longevity comes in safe places were even small children like this Andean girl are allowed freedom from crime day and night.

Here is another rave from a delegate:

“People who, among other things, are active and productive and creative and resourceful, whose word can be counted upon; People who realize that spirituality DOES NOT mean sitting in a cave contemplating your navel and weaving baskets, nor does it equate in the Western culture with living in abject poverty. People who realize that abundance is not a dirty word. People who understand that we are here to ENGAGE life, not to submit to circumstances out of fear and ignorance and apathy; People who don’t just use the most current “buzz words” so they can feel like they are part of the group, but who actually DO something… Builders. Thank you for showing up in my life.” E.W. Nevada

ecuador-longevity

Here is a sacred valley we will visit on our Ecuador shamanic tour and another rave”

“The life path altering effects from the weekend with you and Merri continue. Thank you again. I have begun to change my diet. Bless you! “ D.B. Connecticut

ecuador-longevity

Knowing who supplies your food is important to longevity… as are places of person to person commerce, like these markets we visit on our Ecuador Shaman tour.

Here is what another delegate said.

“You are indeed a spiritual pioneer, blending disciplines to create tools and resources for success in this new land of opportunity. Anyone who thinks this is just all about money is missing the real message: This is about life in its most profound implications.” W.P. Australia

ecuador-longevity

Having sources of fresh food, like this Cotacachi Ecuador corn field, nearby is good for longevity.

Here is another endorsement:

I want to thank you for the wonderful time. I traveled from California to hear you convey your knowledge in the way you do so well, and I wasn’t disappointed. The amount of information in the sessions was almost overwhelming, but it’s exactly what I went to hear. When I try to engage intelligent, educated people on these subjects here at home, I usually get a blank look or “That’s interesting, but why are you thinking about that? “The setting at the farm felt like we were all sitting in the den after dinner discussing things among friends. The relaxed atmosphere seemed to encourage people to participate, asking pointed questions and relating personal experiences. The international flavor and attitude of the group was very stimulating, particularly when we split up into discussion groups. Those groups, taking walks together, allowed us to get to know each other on a personal level. Anyway, what I’m trying to say is, that’s the most fun I’ve had for four days straight in along time! Thanks again.” B.R. California

ecuador-longevity

Longevity and living in harmony with nature go hand in hand.  Here is a humming bird in Cotacachi. Ecuador has one of the largest bird diversities in the world.

One more comment from a delegate:

“A special warm ‘thank you’ to Merri for the wonderful cooking and the ‘feel at home atmosphere!’ I like to give a few comments about the past weekend.. It was relaxing, inspiring, informative and a spiritually balanced atmosphere with all these different, same thinking, like people. The technical information I gathered was most not new to me, but I like to compliment you for putting it all in the right perspective and to make it very understandable to all. What was a tour opinion one of the most important gaining of these 3 days is the opening of the new world, this new circle of what you call “normal” people! (I call us ‘not normal’ as a matter of respect to the majority. ) But as we know, all is relative and depends at the point of view of each, His spiritual mind and his opinion about the senses of our being.”

ecuador-longevity

Having special places to go and relax… like La Mirage Spa in Cotacachi shown here… help longevity too.

Learn secrets of longevity on our Ecuador Shamanic Mingo Tour.

June 12-14 Shamanic Mingo Tour

June 16-17 Imbabura Real Estate Tour

June 18-21 Ecuador Coastal Real Estate Tour

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

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

ecuador-longevity

Merri and me with friends and Taita Yatchak in Sacred LLanganatis longevity valley.

You can read the entire longevity article, WORDS TO LIVE BY Author/physician Shigeaki Hinohara by Judit Kawaguchi at

http://search.japantimes.co.jp/cgi-bin/fl20090129jk.html

Ecuador Beach View & River Property


How would you like to live here… on this Ecuador beach view & river property?

Ecuador-beach-property-for-sale

How would you like to own your own 232 acre Ecuador beach view & river estate with three rivers and a iew of this beach… plus world class ocean views like this?  and…

Ecuador-beach-river-property

land like this.

Ecuador-beach-river-property

Many recent messages have pointed out that the area on Ecuador’s coast that has the greatest and fastest potential lies north of Manta to the town of Bahia de Caraquez.

However my feeling is that the greatest long term potential comes north of Bahia in areas such as San Vicente, Jamas  and Perdenales.

Manta airport is the key. This is where the growth traffic will come from an international point of view… and the gringo market is a big one… very important.

Here is the area for rapid growth now.
ecuador-coastal-property

Distance and the Chone Estuary makes it impractical for international tourism to go north of Bahia at this time.

However…

ecuador-beach-property

the areas north of Bahia are closer to Quito…  a major local market and… when the bridge across the Chone is finished (it has started…but completion dates are unknown)  the area north could boom.  The Chone barrier has kept some prices down.

This is why I was especially interested in an advertisement sent to me by Anne McCowan. She has 232 acres for sale divided in five parcels with spectacular ocean views.

She has to sell in a hurry and has dropped her price from $750,000 to $350,000…for… all five parcels… the entire 232 acres…

She wrote:

Dear Gary, I really want to sell all the property at once.  My partner is now having some health issues. I was offering to sell half the property in five parcels for $750,000 total.  To sell quickly I have dropped the asking price to $350,000 for the entire 232 acres.

Large building site overlooks ocean, shows power poles.

ecuador-beach-property-for-sale

Large building site.

ecuador-beach-property-for-sale

Our roads to crop land are very good.

ecuador-beach-property-for-sale

Another large building site.

ecuador-beach-property-for-sale

Here is Anne’s advertisement.

This land has building sites, crop land, roads, power, water cisterns and panoramic views of the ocean.

One site has a 250 degree, panoramic view of the ocean, resembling a hilltop in Malibu  with acreage on top but also with a nearby monkey colony.

One site has 2,000 fine aroma cocao plants and 2,000 plantain plants.

There is cropland all situated next to this huge river for easy irrigation.

This is all natural, virginal property.  The buyer will own all 232 acres.

Every time I get off the plane, I become physically and mentally rejuvenated within 2 days.

This is perhaps one of the healthiest and safest place left on the planet.

Four of the parcels have incredible views of the ocean and one has an acre of prime, flat crop land with a large river as its border.

Concrete pillars for a house are already in place so you can build your paradise home the way you want for about 5% what it would cost in the U.S.

One of the the best and most experienced (40 some years combined experience in the office ) real lawyers on the coast is familiar with the land so title work should be easy.

In this area there is surfing, snorkeling, hiking horse-back riding, mountain climbing, jungle excursions, Galapagos trips, fishing ( from swordfish to you name it. ) boating (there are several sailboats and yachts with Americans anchored and love taking people around by water), jet skis, walking along glorious beaches with spectacular sunrises and sunsets.

There is very low humidity on the coast. The temperature averages 70 degrees year around!

Imagine laying in your hot tub out on your balcony sipping fresh fruit drinks brought by your maid and having this awesome view absorbed by every cell in your body and soul!

The largest site is about the size of a football field with total unequaled views of the ocean in front and mountains in back. (where a family of monkeys live).

This site has 25 acres of excellent rolling hills below.

The second site is nearly 40 ares with the same views, but higher up. This site is  leveled and prepped and primed for building (for that matter, all sites are.)

The third site has the best view, smaller with 10 acres of hillside.

The fourth is the new site with a 250 degree awesome view of the ocean. This  is higher up the mountain so you can see the changes of the colors of the ocean. You could build a circular, huge home and have acreage for crops.  The last site is is flat crop land with the largest river on the property as its border. The concrete pillars for a small home are already in. This site comes with 1 acre, and fruit trees, but no ocean view unless you build a multi story house.

There are three rivers on the property, fresh water cisterns, new power lines and new, beautiful 30′ wide roads all in place.

The rivers are fresh water coming off the mountains going into the ocean. No tidal flow affects purity. No salinity.

Over 500 monkeys of varying species live on the property.

In some places we have measured the top soil to be four feet thick.

Always fresh food from every kind of fruit imaginable to fresh exotic sea fish and lobster right at your doorstep, fresh lobster, red snapper, wahoo, shrimp, Chilean sea bass, etc.     Shrimp are virtually everywhere from farm raised to caught straight out of the ocean for next to nothing

Labor is $5.00 per day for a machetero, maid, cook or whatever you need or desire. Some helpers double as maid/cook/housekeeper for the same price!

Hospitals are modern and only cost $15.00 plus the cost of medicine if needed.

The villagers are the most friendly I’ve met in my extensive travels, and will literally watch over and protect you once you’re accepted and become “one of the family.”

There is virtually no crime!

There is little fear of earthquakes, rising oceans, or tsunamis, as the property is well up the mountain overlooking 200 degree vistas of nothing but ocean.

The Arch de L’Amor National Historical Natural Monument is located adjacent to the property, on the beach.

There you have it…great farming… friendly village… good weather… incredible views and a reasonable price.

We are not involved in this sale in any way, but I believe she is trying to organize a guide to take any delegates at our March 17-18 real estate tour to see the property on March 19.

If you would like more information please contact the seller Anne McCowan at annem2@yahoo.com

Until next message, good living wherever you are.

Gary

Join us in Cotacachi or the coast for our March or June tour.

Enjoy the holidays festivities in March.

Ecuador-beach-river-property

March 8-9 Imbabura Real Estate Tour

March 10-15 Ecuador Import Export Expedition

March 16-19 Ecuador Coastal Real Estate Tour

On the import-export course we’ll look at hundreds of Ecuador crafts.

Ecuador-beach-river-property

We’ll visit properties for sale like this excellent hotel with huge gardens in central Otavalo.

Ecuador-beach-river-property

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

We’ll enjoy numerous shamanic ceremonies.

Ecuador-beach-river-property

On the real estate tours you’ll see property available nowhere else because sellers come to us first since we charge no commissions.  Here is one of the Vistaazul condo blocks.  totally purchased by our readers at a rock bottom price because they were sold without commission.

Ecuador-beach-river-property

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

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

We have great social times n our tours as well.  Delegates love sharing with one another. Here is one of our groups enjoying a coffee break in the courtyard of Meson de las Flores.

Ecuador-beach-river-property

Future 2009 Ecuador courses:

Get our web based course FREE if you join us in Ecuador this March or June.

This new course entitled “Tangled Webs We Weave – How to Have Your Own Internet Business” is available at $299.

This is a bargain. Merri and I have been traveling and doing international business for 41 years. We have had a web based business for over ten years. You can share everything we have learned for just $299.

However if you sign up for any three of our in person courses below, you can have The Tangled Web course free.

Enroll here $299

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

July 24-26 IBEZ North Carolina

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

Oct. 9-11 IBEZ North Carolina

Oct. 21-24 Ecuador Import Export Expedition

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

Cotacachi Sun


One huge benefit of Cotacachi is the sun. Even January to March which is the rainy season in Cotacachi, there is plenty of sun.  I watch it rise behind the Cathedral each day.  Here he comes!

cotacachi-sun

This year Cotacachi has been cloudy, but rained all day only one day.  Merri and I walk early every morning  and have only been wet one time since early January.  The weather varies through the day…starting in the higb 40s or low 50s and working up into the 70s.

This makes farming and gardening great.  The fields are volcanic rich.  We walk here daily. The planting was a couple of weeks ago.  Now the beans are coming up fast.

cotacachi-sun

There is a chance to have plenty of Cotacachi sun almost every day. This is really good for health because the sun produces Vitamin D.

Dr. Mercola recently posted an article at his site which says:

A meta-analysis of 18 randomized controlled trials has found that supplemental vitamin D significantly reduces mortality from all causes.

The analysis emphasizes the medical, ethical, and legal implications of promptly diagnosing and adequately treating vitamin D deficiency.

Not only are such deficiencies common, but vitamin D deficiency is implicated in most of the diseases of civilization. Vitamin D’s final metabolic product targets more than 200 human genes in a wide variety of tissues. One of the most important genes vitamin D up-regulates is for cathelicidin, a naturally occurring broad-spectrum antibiotic.

Since vitamin D deficiency is both endemic and is associated with numerous diseases, it is one of the most important medical problems in modern society. Treatment of vitamin D deficiency in otherwise healthy patients must be individualized due to the numerous factors affecting vitamin D levels. Steps should be taken to keep patients with chronic diseases associated with vitamin D deficiency, especially internal cancers, in the higher normal range of vitamin D blood levels.

Those who come and stay always report feeling better and losing inches.

Part of this is the sun…part the fresh food. The markets and shops are filled with really inexpensive fruit and vegetables of all types. Here is a typical display.

cotacachi-sun

This allows up to make the coffee breaks at Meson de las Flores healthy…with tropical fruit and…

cotacachi-sun

Wonderful treats like these fresh coconut balls dipped in chocolate.  Our staff chops the coconut and rolls it in the chocolate. No preservatives here…plus its served with gooseberries and strawberries…from the field fresh.

cotacachi-sun

Fresh fruit and juice are served at every breakfast… sunshine in food!

cotacachi-sun

Served in our sunny courtyard.

cotacachi-sun

With tropical fresh squeezed juice as well.

cotacachi-sun

Served by a staff with a sunny disposition. here…

cotacachi-sun they enjoying their meal in the kitchen after feeding everyone else.

The seafood come is also fresh and at a really low price. This is the Ibarra seafood market.

cotacachi-sun

All types.

cotacachi-sun

The good weather and beautiful terrain invites us to hike more also. Here I am with a group from our last course hiking at Lake Cuicocha.

cotacachi-sun

There is one other benefit. This is the geese at our North Carolina farm two days ago.

cotacachi-sun Our friend Richard Goebel who looks after the farm wrote: It’s been so cold ,windy and snowy today that the geese stayed really close to home.

When even the geese are cold, it’s a good time to be on the equator in the Cotacachi sun.

We hope we’ll see you in Cotacachi or on the coast to enjoy the sun!

Gary

Join us in Cotacachi or the coast during this holiday season.  Enjoy some of Ecuador’s parades, festivals and celebration.

cotacachi-sun Join us in Cotacachi this March or June.

March 8-9 Imbabura Real Estate Tour

March 10-15 Ecuador Import Export Expedition

March 16-19 Ecuador Coastal Real Estate Tour

cotacachi-sun

On the import export tour we view many markets and local crafts.

cotacachi-sun

Bob Shane will be at our March courses and will be available to provide health balancing.

We’ll hike into this sacred valley with a shaman (or you can ride in with 4 wheel drive)

galapagos-cruise-news

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

On the real estate tours you’ll see property available nowhere else because sellers come to us first since we charge no commissions.  Here is new construction we’ll see in Cotacachi, $47,000 asking.

cotacachi-sun

Here is a house we viewed on the last tour.  $25,000 asking.

cotacachi-sun

With this view.

cotacachi-sun


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

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

We work hard on our tours.  You’ll see houses like this with sea views asking… $39,000.

galapagos-cruise-news

Yet we have great social times as well. Delegates love sharing with one another. Here is one of our groups relaxing  at Palmazul on Ecuador’s coast.

galapagos-cruise-news

Future 2009 Ecuador courses:

Get our web based course FREE if you join us in Ecuador this March or June.

This new course entitled “Tangled Webs We Weave – How to Have Your Own Internet Business” is available at $299.

This is a bargain. Merri and I have been traveling and doing international business for 41 years. We have had a web based business for over ten years. You can share everything we have learned for just $299.

However if you sign up for any three of our in person courses below, you can have The Tangled Web course free.

Enroll here $299

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

July 24-26 IBEZ North Carolina

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

Ecuador-holiday

Oct. 9-11 IBEZ North Carolina

Ecuador-holiday

Oct. 21-24 Ecuador Import Export Expedition

Ecuador-holiday

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

Our Cotacachi courses are conducted at this Cotacachi Museum next to our hotel Meson de las Flores.

Ecuador-holiday


Ecuador Business News


Ecuador business opportunity is in the news.

There are numerous health benefits to be gained in Ecuador…

One of them is great exercise opportunities. We are currently conducting Blaine Watson’s Beyond Logic course.  The course sold out and a number of delegates arrived early so we took them for a hike…

Ecuador-business

To Lake Cuicocha…

Ecuador-business

Here we are.  Then we visited the Cotacachi food market to see…

Ecuador-business

another Ecuador health benefit. Fresh food!  Just picked beans…

Ecuador-business

of every sort.

Ecuador-business

Fresh berries…

Ecuador-business

are always in season.

Ecuador-business

Greens…

Ecuador-business

and much more.

Ecuador-business

All just picked and you can meet the farmer who grew them.

Some of the other Ecuador health benefits create business opportunity.

Ecuador herbal exports offer great potential but not without some work.

One MD who was recently here looking at the idea of exporting herbs recently sent this note.

I Just learned that the US Food and Drug Administration has recently cracked down on imports of herbs, minerals, etc. to the point that it is now all but impossible to import.   Other small herb companies I’ve talked with have stopped importing herbs at this point in time for these reasons.  The government is also arresting internet alternative nutritional sellers at an increasing rate.

This would at first seem like bad news.  However my experience has been that the greater the problem, the greater the opportunity.

These apparent problems  are an indication of the  really great need for health care in North America.   Another newsletter that often focuses on Ecuador,  NaturalNews.com, says:

Both the FTC and FDA are turning up the heat on nutrition-oriented companies and websites, resorting to arrests at gunpoint to enforce “nutritional illiteracy” across America by imprisoning those who accurately describe the health benefits of nutritional products they sell.

It was only days ago that the FTC attacked a church over its dietary supplements. NaturalNews covered the legal battle in a feature article and an exclusive audio interview with health freedom attorney Jim Turner.

Effectively, it is illegal in America to tell the truth about nutritional products that you sell. The statements made by Heuer on the Cocoon Nutrition website are technically factual and accurate. But they are not LEGAL to make in America because Free Speech is routinely oppressed by the FDA and FTC. Telling the truth in America is enough to get you locked up in federal prison; especially if you dare to inform people about natural cures that might take revenues away from the drug companies.

Both the FDA and FTC are now acting as the racket enforcement thugs of Big Pharma. And like any other mob, they use armed personnel to protect their revenue territories.

These are pretty strong words… but I do not doubt that they are true. Look how big pharma even takes on cities and states that try to reduce the cost of drugs for its citizens.

Last year the city of Duluth Minnesota created a program so its residents could import much less expensive Canadian drugs.  According to a February a February 26, 2008 Associated Press article, the Food and Drug Administration warned the city that a program to import prescription drugs from Canada and save money for city workers is  unsafe and most likely violates federal law.

The article stated: “In a letter to Duluth Mayor Don Ness, the FDA warned that any packages sent to employees would likely be detained by U.S. Custom and Border Protection.”

Yet the very same week an article in Senior medical news says:

Medicaid in Crisis as Bush Administration Tries to Shift Billions in Cost to States
Strained state budgets and economic downturn force program cuts

Feb. 21, 2008 – Medicaid is one of those government services that most of us think we will never need. Yet, millions of senior citizens and their families have grasped for it as the last hope for access to costly long-term care, as their savings disappear. It is also the last chance for many of the uninsured at the bottom of the economic ladder to receive medical attention. The program, however, is in crisis as the Bush administration tries to move billions of dollars of cost to the states.

The states, however, are already crumbling under the burden of ever-higher healthcare costs, a poor economy and their own budget woes. In Iowa the governor reducing costs, including capping rate increases for long-term care. California’s governor is cutting over $500 million from the Medicaid program and in Congress there is an attempt to stop or delay the new effort to move more costs to the states.

So as stated the greater the problem, the greater the opportunity.

US medical care costs are a huge problem and herbs from the Equatorial Amazon are one low cost solution.  Those who figure out how to overcome artificial obstacles thrown in the way of these natural solutions stand to profit.

This is why we started Tangled Webs  a course about how to create your own business…on the web…the internet so we can plunge deeper then just business and internet technology to truly understand the web.   This electronic virtual world is just a reflection and tool in a much bigger…deeper…real web…that will provide many solutions in the future.

Business… the world… the universe… existence… all of life…is a tangled web… that has been spun and continues to spin from almost imperceptible threads.

These threads, spun from our hidden unwinding, have brought us to the internet…as a reflection of who we have been…what we now are and who we will become.

Consequently a course on just the internet would be like a car without an engine. A course just about the internet and business would be a complete car but without a driver.   Plus we need to include the journey and destination as well!

Tangled Web weaves the history of Merri’s and my business … how it evolved … how it morphed from a print publishing business to internet only and how we use websites and email in business now.

We’ll look at how to create websites using the seven Ps…

Passion
Problem
Person
Profitably Priced Product
Prospecting Path
Promise
Presentation

Our webmaster examine all the technical aspects of how to run an internet business:

Search Engine Optimization
Pay Per Click
Landing Pages
Email Generators
List Controllers
Shopping Carts
Servers

Yet we’ll dig deeper, right to the essence of a successful internet business that successfully untangles the web because I suspect that this course has the possibility to go out of date faster than any I have ever written before. The Internet evolves so quickly and there are always new things being added. It’s enough to make your head spin.

But what you will learn here are the fundamentals that work in business on the Internet. We’ll cut through the fog and show you what works for us and how to build a solid business regardless of what changes come about in technology, search engines or what the new “Internet fad” may be.

We will also deal with evolution and fate… how they work in business and how they can help your web business grow from this starting point.

This course will end differently than foreseen. Each sentence shared has potential to spark new ideas.  Your questions, as the course unfolds, will undoubtedly alter the course of this course.

I can almost guarantee that your business will not evolve exactly as you imagined either.  Business plans are guesstimates that help improve a business as it grows…but rarely a real guide.  Experience refines and improves us as our act of doing a business teaches us.  We can never see what we do not know. Only doing reveals this.  Plus technology and fate mix into our progress as well.

Here are the lessons we have planned now.

#1: How My Internet Business Began

#2: Our Results – How We Boost sales

#3: Seven Ps PASSION – PERSON – PROBLEM – PROSPECTING PATH – PROMISE – PRESENTATION – PROFITABLE PRICE

#4: Turn Passion to Profit.

#5: How to Identify your prospects.

#6: How to identify problems.

#7: How to choose prospecting path. SEO – PPC – Strategic Alliance – Referals – Viral marketing.

#8: How to create ads.

#9: How to create landing pages.

#10: How to develop Presentation (marketing string).

#11: How to choose and test price.

#12: How & why to create daily messages.

#13: Multi product development…free reports…free ezines…paid subscriptions…seminars…tours ,,,personal services…clubs etc. How one product leads to another.  Advertising and especially the long tail.

#14: How to manage your business finances.

The first four lessons are complete and students are gaining from this course now.

Join us in Cotacachi and on Ecuador Coast in March and save from a special offer on this new course.

You can enroll in this special course for $299. However if you sign up for our three courses in March 2009, I will send it to you free. You save $299.

March 8-9 Imbabura Real Estate Tour

March 10-15 Ecuador Import Export Expedition

March 16-19 Ecuador Coastal Real Estate Tour

Bob Shane will be at our March courses and will be available to provide health balancing.

Get our web based course FREE if you join us in Ecuador this February or March.

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

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

Future 2009 courses

May 29-31  JGAM Global Asset Strategy Seminar

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

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

July 24-26 IBEZ North Carolina

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

Oct. 9-11     IBEZ North Carolina

Oct. 21-24 Ecuador Import Export Expedition

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

Cotacachi Real Estate Protection


Cotacachi real estate protection and more.

Recent messages have looked at the growth potential of Ecuador real estate.

We have been at this area in Cotacachi where this dirt road is being paved…seeing its rapid progress.

cotacachi-real-estate

We’ll see more of the progress below. First  let’s look more at the process of  how I search for Cotacachi real estate… or actually property anywhere.

The principle of the search is vital because many people who thought of retiring will not be able to do so.  Those on fixed incomes are always those who fare worst during economic upheavals.

The US dollar is at considerable risk due to high US debt.  So too is Social Security.

In addition corporate pension are not looking good.  In the late 1990s our messages voiced a lot of concern about how corporate pensions were dramatically
underfunded.

Then the stock market recovery in the mid 2000s eased this problem.  2002 was  a low point for America’s pension funds.  The top 500 corporations had a combined  pension deficit exceeding $200 billion.   Thanks to a boom in the global economy  which allowed catch up contributions and strong stock market gains, this combined deficit turned into a combined surplus of $60 billion by the end of 2007.

The 2008 market and economic crash destroyed this surplus. It is estimated that the combined pensions of these same 500 company pensions have lost almost $265 billion in 2008.  The estimates are that 200 of these 500 pension funds are now less than 80 percent funded. They have less than 80 cents for every dollar of benefits promised.

The puts corporations between a rock and  hard spot. because The Pension Protection Act of 2006, passed due to a string of big corporate bankruptcies and pension failures in the early 2000s forces companies to fund pensions on a regular schedule.

The funded ratio s important because the 2006 law forces companies to bring their plans up to 100 percent funding in seven years, starting in 2008. They have to be t 92 percent funded this year, 94 percent next year etc.  That’s the rock.

The hard spot.  There are tow. The pensions values are way down due to stock market collapse and profits are now low or non existent.

Companies are asking Congress to excuse them from having to replenish the required amounts now and this is likely to happen.  The business reality is you cannot extract blood from a turnip nor make a corporation to pay money it does not have into a pension.

Forcing pension funding on man corporations will simply push the firms into bankruptcy.

Some firms will be bankrupt anyway and the federal government will have to insure their plans through the Pension Benefit Guaranty Corporation.  This insurance is limited so people can lose benefits.  Yet even the limited benefits are more than America can afford. This puts added pressure on the greenback thus reducing purchasing power of the pensions even more.

Yet what is the choice?  If companies are required to put new money into pensions they will not have the cash to keep business going.

This is  a serious concern for some firms like NCR Corporation, I.B.M., Rockwell Collins, the ITT Corporation, Northrop Grumman and the Pactiv Corporation.  Their pension obligations are five or six times larger than their next biggest liability.

In short pensions are millstones dragging these corporations down.  How can these firms grow and prosper in today’s competitive atmosphere when a huge chunk of their income is sucked into pension obligations rather than growth?

The bottom line…pensions lose.  History suggests they always have. Logic says they always will.

So what does one do?

#1:  Most important… stay fit… body and mind. You’ll have to keep earning your keep and you cannot do this without energy.  Do not just rely on the expensive pharmaceutical solutions either. This is why our upcoming courses have a health element.  See Beyond Logic.

#2: Diversify currencies. Usually the way pensions are ruined is through currency destruction rather than non payment.. Social Security and the Pension Benefit Guaranty Corporation will make sure you get exactly the dollars promised.  the only problem us that the dollars will by less.  Maybe much less.

#3: Diversify in global shares. History shows this is always the best long term investment.

Here is an excerpt from yesterday’s multi currency lesson on why diversifying into global shares now makes sense.

“We have not seen anything like this since the end of the 40s: dividend yields of 5 percent and more, while 10-year US government bonds offer yields of only 2.5 percent!

Will investors be emotionally able to take advantage of the stock market crash of 2008, or will recent losses make them succumb to a bear market psychology? Are there lessons to be learned from historical parallels to today’s markets?

Book value growth is the most important component of long-term stock market returns. It comprises not only the annual earnings growth but also the change in value of a company’s net assets. If the valuation of a stock does not change, book value growth and stock price performance are identical. However, as a rule, stock prices fluctuate much more strongly than the underlying book values due to changes in valuation.


The irrational investor comes into play here, driving prices up during times of euphoria or, as is currently the case, driving prices down during times of pessimism.


As a result, the first decade of the new millennium threatens to provide a negative return — during the first nine years, the return was  – 1.7 percent per year!
This would make it the first decade with negative nominal total returns after the quasi zero return for US stocks in the 30s.

Low valuations and a lack of investment alternatives

Interestingly, these negative returns have yet to reflect poor fundamentals: Over the past nine years, the companies included in the MSCI USA Index had an average annual earnings growth of 4.4 percent, cash flow growth of 6.7 percent, and dividend growth of 6.6 percent.

The decline in stock prices since the end of 1999 is due to valuations falling 50 percent over the same period. Therefore, the problem of low total returns is rooted in the past:

In December 1999, investors were willing to pay 31 times earnings and 5.8 times book value for US stocks included in the MSCI USA Index.

Today’s price/earnings ratio is 13.5 and the price to book value ratio is
1.7. These are not yet bargain valuations in absolute terms. What makes stocks attractive today is the lack of investment alternatives.

In other words, it is mainly opportunity costs, in particular the low yields of fixed-income securities, that make stocks interesting investments today.
The current price/earnings ratio of the MSCI USA Index of 13.5 implies an earnings yield of 7.4 percent (100/13.5). Even if one assumes the depression scenario of the 30s, i.e. flat stock prices over 10 years, and assumes that corporate earnings will shrink 1.5 percent per year on average for the next 10 years, the earnings yield of the MSCI USA Index would still be 6.5 percent at the end of 2018 — 2.6 times higher than today’s 10-year US government bond yields. Such a drastic earnings decline would correspond to the average drop in earnings of the companies contained in the S&P 500 Index during the decade of the depression ending in 1939 — a scenario that is overly pessimistic in my view.

Favorable outlook for US stocks

A more realistic assumption would be for book value to grow in the order of 6 to 8 percent over  the next 10 years. Based on this expectation, the Dow Jones Industrials Index stands a good chance of exceeding, over the next 10 years, its previous high of 14,164.53 reached on October 9, 2007.

From the year-end 2008 level of 8,776.39, this would require an average annual price return of only 4.9 percent (which is below the historical average), with a dividend yield of  currently 3 percent per annum thrown into the bargain.
The risk of losing money with US stocks over the next 10 years is therefore minimal from today’s perspective, while it is a certainty that investors will not earn more than 2.5 percent per annum with US government bonds over the next 10 years.

You can read this entire lesson and Keppler’s entire conclusion as a multi currency portfolio course subscriber.

#4: Diversify in real estate. History shows this is always the second best investment.

#5: Diversify residences and lifestyles… globally if you can.This is why Merri and I live in North Carolina and Ecuador. Each place has some problems and risks…but we have options as events unfold.

Remember globalization is really the way humanity should evolve.  The concept of nations, borders, superior races, cultures and creeds are fictions of the global imagination and liabilities we have inherited from our past.   Modern technology means we should deal with whoever…anywhere in the world serves us best.

As the world has evolved we have progressed but bad times hinder this type of growth. This creates opportunity if we stay focused on reality. Invest in globalization. Sell that which hinders globalization short!

Match your living to your investing.  Go where you choose. I like Ecuador for its sweet people, great weather, natural beauty, fresh food and low cost living. North Carolina offers small town USA benefits were we can enjoy nature and if necessary even feed ourselves in the worst times.  This is why Merri and I are in Ecuador. We love the lifestyle and the real estate opportunity. 

We also love the progress here in Cotacachi.  Here is that paved road today.

cotacachi-real-estate

They have turned the road and a great deal of the cross street is cobbled now as well.

cotacachi-real-estate

This work is done by sweet, humble people who just get to work and get the job done.   There is no crew of four, with one working and three standing round, here.cotacachi-real-estate

Learn more about Ecuador as an Ecuador Living subscriber.

#6: Hold some commodities as insurance.
We’ll probably never need it…but it makes us feel better. I keep more than enough gold socked away and expect my children will inherit it. So far it has been my worst investment over the last 30 years until I add in the value of sleeping well at night instead of worrying…”am I guessing wrong”!

#7: Remember that every day of life is a gift!
We do not need big cars, loads of shopping and new things and expensive materialism to be happy.  Turn your passion into profit and do what you love.  The prospect of working, serving and being useful beyond this age that society has determined we can be and should retire should be fun and exciting.

I look forward to sharing this excitement with you.

Gary

Join us in Cotacachi this February.

Feb 9-11 Beyond Logic Keys to More Wealth & Better Health

Feb. 13-15 International Business & Investing Made EZ

Feb. 16-17 Imbabura Real Estate Tour

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

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

Cotacachi Tours


We have over two dozen Cotacachi & Ecuador tours and courses scheduled in 2009. Many have asked what they are like…so let’s take a tour of the tour…then I’ll share an investing tip.

Our November International Business & Investing course began yesterday…so we’ll follow this group. This is a typical schedule…beginning with a course, then followed with an Adean real estate tour and concluding with a real estate tour on the Ecuador coast.

We try to schedule three courses together like this so delegates can choose one two or all three tours…whatever works best for them and this allows us to provide substantial discounts on the second and third tour.

Most delegates arrive in Quito the night before. Alberto, Steve and a few of our staff drive up to meet everyone and deliver them to a hotel (usually Hotel Quito or Radisson – we negotiate a discount for everyone so the hotel that offers the best deal gets the business) where they spend the night.

Next morning they all meet and have a ride around Quito before heading north to Cotacachi.

Before the main group is arrives, the staff at our Inn goes into hyerdrive bringing in fresh food. Here is our manager Franklin with makings for fresh vegetable soup.

Cotacachi Ecuador Tour

Consuelo and her helper follow.

Cotacachi Ecuador Tour

They fill up the bodega. Here is our chef Santiago checking the inventory.

Cotacachi Ecuador Tour

while his assistant Alberto starts the soup.

Cotacachi Ecuador Tour

A few early arrivals are already in the courtyard waiting and talking. Here a couple are discussing economics with Peter Laub of Jyske Bank.

Cotacachi Ecuador Tour

Eduardo and his assistant, prepares juice and quinoa cake for everyone to enjoy.

Cotacachi Ecuador Tour

This time Eduardo has created a mango alfalfa drink..delicious.

Cotacachi Ecuador Tour

Finally the bus arrives.

Cotacachi Ecuador Tour

Delegates disembark and the courtyard comes alive.

Cotacachi Ecuador Tour

Many friendships are made. Guests dine, sit round the fireplace and discuss what they expect…what they want…what they think we’ll learn.

Tomorrow we begin next door in the Museum’s meeting room at nine.

Cotacachi tours

Our hotel, of course, is fully booked so we place delagtes at La Mirage, several hostels as well as condos near the hotel.

Subject matter in the course begins with global economics and were to invest now. We have several speakers who join me. In this case Peer Laub of Jyske Global Asset Management (JGAM).

We look at the long term economic fundamentals at work and how investors can react now.

This week JGAM pointed out:

The main attention this week was the US presidential election. Up to the election we saw markets in Asia acting with euphoria due to positive signs of improved conditions in the credit markets as well as the prospect of Obama winning office. Europe and Wall Street continued with the positive sentiment and Tuesday became the strongest presidential election day rally in history. After the election celebrations, markets woke up to the outlook of a severe economic contraction and the euphoria turned into panic selling, with declines up to -10% over two days. Bank of England (BoE) chocked the market Thursday with an aggressive cut of 150 basis points on the key interest rate. This move sparked a mid day rally for 45 minutes until the European Central Bank (ECB) disappointed the market with only a 50 basis point reduction. The EUR/USD has been very volatile over the week ranging from 1,2520 to 1,3120 now trading at 1,2797. We anticipate other central banks to follow the US and EU with reductions over the next few weeks. “

Then we looked at how this volatility and lowering interest rates would create opportunity in bond markets…my message was “a golden bond opportunity is coming.”

Today we will be lookng at this as the course continues.

Until next message good global investing.

Gary

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

Jan. 16-21 Ecuador Spanish Course
Jan. 22-23 Imbabura Real Estate Tour
Jan. 24-27 Coastal Real Estate Tour

We’ll visit the Otavalo markets.

Ecuador-Project

Feb. 13-15 International Business & Investing Made EZ
Feb. 16-17 Imbabura Real Estate Tour

Cotacachi-meeting

Courses are centered around this open air courtyard in our colonial inn El Meson de las Flores.

March 8-9 Imbabura Real Estate Tour
March 10-15 Ecuador Export Expedition
March 16-19 Coastal Real Estate Tour

You are also invited to tag along to the beach where we visit all types of Ecuador beach property for sale. Here is one f our previous tours enjoying a visit to Vistazul condos.

Ecuador-Project

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