Tag Archive | "India"

The Art of Speculation


After 50 years of global investing, my chief mantra is “There is always something we don’t know!”   

This fact rules the price of gold and precious metals which is why I look at owning them is never an investment but a speculation.  Precious metals are financial insurance against inflation for sure.  But isn’t all insurance a speculation ?  I have never had a fire in my house, yet fire insurance does make sense.

So let’s look at how to refine the process of buying, selling and owning precious metals a bit more.   For example see why the Kunlun mountains (below) can have an impact on the price of gold, that’s not even related to mining.

india

The Kunlun Mountains.

In February and March 2017, a significant economic event took place that can have an impact on the price of gold.

Updates in our Purposeful investing Course look at ideal speculative opportunities in precious metals.   One ideal condition we track is the gold platinum ratio when the price of platinum is lower than the price of gold.

Platinum dropping below gold is a historical distortion that rarely happens.

Unless there has been a most basic change in the relationship between these two precious metals, whenever platinum costs less than gold, we speculate on the simple fact that platinum’s price will rise faster than gold’s until this distortion has equalized.

Yet the facts that dictate the prices of precious metals are rarely simple.

For example, there is conjecture that the growth of electric cars will reduce the need for platinum in catalytic converters.  This could be since about half of platinum’s demand has been for this purpose.  Yet let’s keep in mind, it is estimated, that one-fifth of everything we use either contains platinum or requires platinum in its manufacture.  Plus the gold platinum relationship existed well before catalytic converters and platinum still sold for more than gold.

Another example is that the price of gold could drop.  Platinum’s price could rise faster than gold, but if gold is plunging, platinum could outperform gold but stagnate or drop as well.

The relationship between gold and platinum is simple, but there are many factors that have an impact on the price of gold.  European interest rates, US and global inflation, US interest rates, US dollar strength, US job market, US economic growth, US trade deficit, crude oil are a few.   The chart below shows the importance of gold to interest rates.  So the current rising trend of US interest rates could hinder a rise in the price of gold.

gold

Chart from Marketrealist.com (1).

An article at Marketrealist.com:  “Why real interest rates impact gold prices?” (1)  helps explain why US interest rates matter to the price of gold.

Gold is used as an investment alternative.  Investors think that it protects money’s purchasing power.  As an investment, it has to compete against other investments that are available in the market.  The interest rate is a big factor here because it determines the attractiveness of those investment alternatives.  As real interest rates rise—interest rates adjusted for inflation—other investments usually become more attractive.  This reduces the demand for gold and vice versa.  Gold usually has an inverse relationship with real interest rates.

Rising US interest rates are a downwards pressure for gold prices and gold-backed exchange-traded funds (ETFs).  Since gold and platinum (and silver) are related, US interest rates also have an impact on these precious metals.

What many investors miss is the fact that Chinese and Indian interest rates are also important factors that affect the price of gold.  Both Chinese and Indian cultures have a historical leaning towards trusting and owning gold.  They are becoming increasingly important factors as China and India become larger parts of the global economy. 

If one eliminates Switzerland (the biggest importer of gold with over 70 billion worth of gold imports), Asia is the largest importer of gold (90 + billion worth compared to Europe’s 30 + billion).  China and India are the two largest Asian importers by far.

Increasing yuan and rupee real interest rates will stimulate investors to build up savings in those currencies instead of gold.  This is a downward pressure on gold prices and gold-backed ETFs.

After more than a year of steady interest rates, in both February and March 2017, the People’s Bank of China raised yuan interest rates.

yuan

Indian interest rates continue to fall, but should also be watched.

indian interest

Indian Rupee interest rate – both charts from www.tradingeconomics.com (2)

Here is another interesting question.  If interest rates in these Asian countries impact gold’s price, what would be the impact of an Indian/Chinese conflict or war?  China and India have long had border tensions.  There was a Sino-Indian War in 1962 over disputed Himalayan borders.  At that time, the Chinese launched offensives in Ladakh and across a line (McMahon Line) regarded by India as the legal national border that disputed by China.  Disagreements have remained since that time.

The book “Why India Is Not a Great Power (Yet)” by Bharat Karnad, outlines a number of events that could lead to a Chinese Indian conflict. One of the causes could be these tensions that include border skirmishes. Tibetan protests and maritime disputes are others.

Karnad, a professor of National Security Studies at the Centre for Policy Research in New Delhi, suggest that India should be more aggressive to increase its position on the world stage.

His suggestions include nuclear land mines in the Himalayan passes, arming China’s neighbors like Vietnam with cruise missiles and atomic weapons, and actively assisting armed uprisings in Tibet.

Could any of these steps create a spike in the price of gold and consequently silver and platinum?

Screen Shot 2017-04-10 at 9.11.49 AM

Learn more about “Why India is not a great power (yet)?”

This image from India.org (3) shows a meeting between Chinese and Indian military at a conflicted border.  What happens if minor arguments as described in the article turn into something more serious?

Screen Shot 2017-04-10 at 9.20.36 AM

The distance of Tibet to the US east cost is about 8,500 miles.  What events, so many miles and times zones away, might be taking place that can have a serious impact on our wealth?

The answer is that we do not know and this is why ownership of precious metals is a speculative proposition.  Rising interest rates in China and India could cause prices to fall, but a skirmish or two or the planting of a few atomic mines and precious metal prices could skyrocket like they are nuclear powered.  Well, in a way they would be.

There is always something we do not know which is why when we speculate, especially in precious metals, we never risk more than we can afford to lose.  We leave plenty of time for the investments to mature.  Our recent Pi Update explains how to calculate profit and loss in precious metal speculations.

Gary

(1) Tradingeconomics.com:  Yuan interest rate

(2) Marketrealist.com:  What rising US real interest rates mean to gold investors

(3) Zeenews.india.com  China upset by reported hut demolition on India border

Silver Trends Down

Silver is falling. 

slv

Chart from finance.yahoo.com/chart/SLV?

Recently the silver ETF iShares Silver Trust (symbol SLV)  was priced 18.62% below the highest close of $19.60 from last August.   The mathematical system we track created a stop loss price of $16.18, showing that this precious metal moved into selling territory.  Now the share price is in the $15 per ounce range.

Gold has been in a buy position since April 2017 but both platinum and silver have stopped out and are in sell positions.  Let me explain why mathematics shows why we won’t be buying gold and are watching silver and platinum, plus are especially interested in Canadian shares.

We Use Math to Spot Value. 

Whether one likes to trade or invest and hold, math based financial information works better than the spin, rumor and conjecture of the daily economic news.   Mathematical based investing can put us on a solid path to everlasting wealth that is not easily diverted by the daily drama that seems to be unfolding in the modern world.

For example, our Purposeful investing Course teaches three mathematically based routines that have been proven to out perform the market over time .

The first routine in the course is the quarterly examination by Keppler Asset Management of 43 equity markets and analysis of their value.  This makes it possible to create a base portfolio of Country ETFs based on basic value.  This passive approach to investing in ETFs is simply to invest in Country ETFs of good value equity markets.

For example, the January 2017 Keppler analysis shows that the “Good Value Developed Market” Portfolio is twice the value of a US market index fund and a much better value than any of the other indices shown.  These are based on the cornerstones of value, price to book, price to earnings and dividend yield (except the European dividend yield).

The Good Value Developed Market Portfolio offers even better value than the Morgan Stanley Capital Index  Emerging Market Index.

keppler

History shows, that over the long run, math and value drive the price of markets.

Using math makes it simple, easy and inexpensive to diversify in the predictability of good value.

The second tool Pi provides is a way to actively monitor and shift the good value markets using trending and volatility algorithms.  These algorithms allow us to trade good value markets through downtrends and upticks to increase profits in a diversified even more.

These trending algorithms use the math that spotted the current condition of silver.

Use math to spot distortions that create ideal conditions for speculation.

Pi teaches the strategy of speculating in metals when speculative conditions are absolutely ideal.  The Silver Dip relies on a really simple theory… gold should rise about the same rate as other basic goods and the rise and fall of silver’s and platinum’s price should maintain a parity with gold.

Our math based study has created an ideal price for gold and though its trending up it has passed the good value level we use.  Gold is still okay, but not a bargain any more.  Value investors only seek bargains.

More importantly we use the price of gold and its relation to the price of silver and platinum to spot ideal times for speculation.

In 2015, Pi recommended speculating in silver because of a dip in the price of silver.   We sent Pi subscribers a report entitled Silver Dip 2015.   That tactic returned 62.48% profit in just nine months.

In 2017, Platinum speculation is even better.

“Silver Dip 2017” has been written and is available to Pi subscribers to show how to determine good value in precious metals and ways to use gold, silver, platinum or other precious metals to spice up returns in safe, diversified stock portfolios.

Here is some history of the Silver Dip strategy.   “The Silver Dip Report of 1986” was the first specific investment report I ever published.  Silver had crashed in 1986, I mean really crashed, from $48 per ounce to $4.85 an ounce.  After I wrote that 1986 report, silver’s price skyrocketed to over $11 an ounce within a year.  The 1986 Silver Dip described how to turn a $12,000 ($18,600) British pound loan (investors only had to put up $250 and no other collateral) into $42,185.

Circumstances relating to precious metals in 2015 were similar to those of 1986.  In May 1986, the dollar/pound rate was 1.55 dollars per pound.  The pound then crashed to 1.40 dollars per pound.  The loan could be paid off for $13,285 immediately creating an extra $5,314 profit or total profit of $47,499 in just a year.

Platinum conditions are ideal

Since 2014 the price of platinum has fallen below the price of gold and at the beginning of this year reached a historical low.  The distorted gold platinum spread suggests that platinum is a very good value.

The “Silver Dip 2017” explains how to speculate in platinum plus outlines the following:

  • How to use the Silver Dip strategy in platinum without adding a penny of cash if you already have investments.
  • How to invest as little as a thousand dollars in platinum if you do not have a current investment portfolio.
  • Why this is a speculation, not an investment and who should and should not speculate and how to limit losses and take profits.
  • Three reasons conditions are better for a Platinum Dip now.
  • Three different ways to invest and speculate in gold, silver or platinum in the US or abroad.
  • How to buy gold and silver or platinum with or without dollar leverage margin accounts.

The “Silver Dip 2017” also contains four matrices that calculate profits and losses so investors can determine cut off positions in advance to protect profits and/or losses.  The report also looks at how to switch time horizons for greater safety.

Rising interest rates make the US stock market highly dangerous in the short term. “The Silver Dip 2017” shows how to create a safe, diversified good value stock portfolio and use it to generate much higher returns with a little controlled speculation in platinum.

Learn how to get platinum loans for as low as 1.58%.  See why to beware of  certain brokers and trading platforms, how to choose a good bank or broker and how platinum profits are taxed.

The report includes a complex comparison of gold and silver with other costs of living from 1942 to today to help determine the real value of gold, silver and platinum.

Finally, learn why and how to use advisers to manage profits from the gold and silver dips.

Current circumstances could cause the price of platinum to rise rapidly at any time.  Do not delay reading this report.

The Silver Dip sold for $79 in 1986.  Due to savings created by online publishing (we eliminated the cost of paper and postage), we are able to offer this report for $39.95.

Order now by clicking here.  Silver Dip 2017  $39.95

Get the Silver Dip 2017 FREE when you subscribe to the Purposeful investing Course.  Act Now.

Subscribe to the first year of the Personal investing Course (Pi).  The annual fee is $299, but to introduce you to this online, course that is based on real time investing, I am knocking $102 off the subscription.  You also receive the $39.95 report “Silver Dip 2017” FREE.

You also receive FREE

  • The $29.95 report “Three Currency Patterns for 50% Profits or More”
  • The $49 report “How to Grab Sequential Value Profits”.

Triple Guarantee

Enroll in Pi.  Get the first monthly issue of Pi and the three reports right away. 

#1:  I guarantee you’ll learn ideas about investing that are unique and can reduce stress as they help you enhance your profits through slow, worry free purposeful investing.

If you are not totally happy, simply let me know.

#2:  I guarantee you can cancel your subscription within 60 days, and I’ll refund your subscription fee in full, no questions asked.

#3:  You can keep the three reports as my thanks for trying.

You have nothing to lose except the fear.  You gain the ultimate form of financial security as you reduce risk and increase profit potential.

Subscribe to a Pi annual subscription for $197 and receive all the above.

Gary

Rosaspamba Our 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.

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

Ecuador-longevity

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

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.

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.

The life here is healthy.

rosaspamba

There is fresh water.  Here is the yatchak at one of Rosaspamba’s water falls.

ecuador-hacienda

Another waterfall at Rosaspamba.

rosaspamba

At the hacienda you are always walking up or down.

rosaspamba

Accommodations are primitive and…

rosaspamba

The property is very isolated.

rosaspamba

Here we are building some extra huts.

rosaspamba

Hiking from the top to the bottom.

rosaspamba

This is a grove of pineapples in the lower property.

rosaspamba

The land is remote about and hour and a half from Quito.

rosaspamba

The road in is primitive.

 

 

Ecuador Asset Power


Ecuador Asset Power

Perhaps the greatest asset is real flexibility.  Years ago we lived in Ecuador with the Taita Yatchak. Here is a small house that his village built for us.  It was covered in passion flowers!

ecuador-assets

Once in awhile the yatchak would take off for a walk about and the villagers and his family would be amused when we asked “When will he return?”

“No one knows… especially not the Yatchak” they would rely.

I asked him about this once and his response was that when he was hiking around…   events… signs and intuition would lead him and show where to go.  He came back home when he received a sign that was a time to be back.   This of course would drive us Westerners who had appointments and scheduled meetings and clocks crazy!   There is nothing like bringing to meet the yatchak… and he is not around!

But the Andean belief is to let nature be our guide.

Beliefs in India are this way as well. I recall one sage saying that we are in perfect harmony when what nature delivers is exactly what we desire.  We become one with nature… always happy… always pleased.

One quote in the wonderful book “Autobiography of a Yogi” tells how during the British occupation if an enlightened Indian was brought to court and threatened with harsh punishment, he would speak the truth even when a small lie could have eliminated their penalty. This was because they knew… “if you never tell a lie… then whatever you say will be true.”  Such a simple but deeply profound wisdom.

Recent messages have looked at the risks of a breakdown in North American society from an EMP attack.

Numerous readers expressed concern about what to do if one is not in the right place when an attack takes place.  Others worried about neighbors attacking one another or people from the city invading the country.

First please realize that a total breakdown such as described in the various doomsday novels using EMP as the culprit are highly unlikely. Those who suggest that the end of the world is ahead may be trying to panic the public, for whatever reason, just as many did when they promoted nuclear holocausts… Y2K… the Swine or Avian Flu… SARS etc.

Yet… here we are.. humanity, alive… progressing… abundant… and I hope in a holiday mood!

However there are plenty of potential shifts in the global economy and society that are cause for concern.
The problem of global inflation combined with high unemployment (stagflation) created by massive debt in the US, Japan and Europe is one example.

Yet problems are good once we accept the fact that problems and change create opportunity.

Everyone wants a better life… yet most resist change.  How can things get better without change?

I am reminded of the 700 year old motto on the Isle of Man….”Quocunque Jeceris Stabit” which translates literally as “whithersoever you throw it, it will stand.”

Merri and I conducted many real estate tours on the Isle of Man years ago… before prices skyrocketed.   We were there when I published my first novel, “The 65th Octave” and the Manx Prime Minister was kind enough to write a forward for that book.  Many of our readers and tour delegates still live there… having picked up great real estate bargains there in the 1990s… just as they did in Ecuador on early 200o tours.

The Isle of Man (the oldest democracy in the world) is a truly wonderful place and I try to live by its motto… “Whichever way you throw me, I land on my feet.”  Merri and I often look at each other in tough situations and quote this out loud!

Have no doubt, society is getting thrown. Change is accelerating.

So we can choose to benefit from the shifts… or not.

Success, in a faster changing world, comes from “what we are”… not “what we have”.

What we have stored within… not what stuff we have stored is the key to success.

Many messages at this site have focused on the fact that the way to flight inflation and benefit from change is to first improve yourself… your health… your intelligence and your ability to act on what you feel (intuition) as well as what you think (your logic).

Then invest in:  Equities… Commodities… Your Own Business and Real Estate.

Merri and I live by this belief and have invested heavily in Ecuador and Smalltown USA real estate.

We work continuously at improving ourselves and our own small business.

We have expanded our investments in commodities by investing in the direct ownership of timber, water and have now purchased orange groves in Florida.

Merri and I currently do not hold many equities…instead we hold bonds. In the past two years, bonds have acted like equities.  Plus there has been such great opportunity in business and real estate we have not had the time to study shares.  However we continually look for good value equities as well.

Our email courses, seminars and tours focus on these same ideas… improve yourself with quantum health and wealth.  Make yourself wiser… more flexible and more adaptable as you invest in your own internet businessglobal multi currency investments… real estate in small town USA and Ecuador.

Here is an idea for an Ecuador internet business.

Integrate your intuition with your logic.  Turn your passion into profit. The daughter of one of our tour delegates provides a great example.  He attended a number of our conferences last year and I enjoyed watching  him when he was buying goods to export from Ecuador for his daughter’s business. She turned her passion to help poor women around the world into a profitable internet business.

ecuador-asset

Ecuador exports help poor Ecuadorians live better.

This excerpt from a Country Living article entitled “Nesting Instinct” explains her business success.

Name: Rebecca Kousky
Location: St. Louis, MO
Business: buildanest.com

How did you start Nest?

I graduated at 24 with a master’s degree in social work and I couldn’t decide what I wanted to do next. I applied to several jobs. Then one day I went to a coffee shop and just ended up listing all the things I liked on a sheet of paper and trying to come up with something that fulfilled many of my interests: working with women and children, social activism, international travel, fashion, design, art, and the “green” movement. I knew I was at a point in my life where I could take risks, so I started the business in June (two weeks after graduation), and by August was selling goods from 40 designers. We grew really fast: At our year anniversary, we had 80 designers.

Why this business?

Nest provides micro-credit loans to women in developing nations to help them start art or craft-based businesses. Many of the societies where these women come from are patriarchal — the women’s husbands and fathers handle money, so they are reliant upon them for everything. Working with Nest helps the loan recipients ease into self-sufficiency. Our business model is unique in that we try really hard not just to be a bank; we want to help council the women, learn about their dreams and hopes and family lives. And the women are able to pay back their loans to us by selling their goods on our site.

What’s the best advice you got before launching?

I come from a family of entrepreneurs, so I had lots of support around me. At first, I was really stuck on the idea of having a physical boutique, but the bank denied me a loan. I told my dad what had happened. He asked me how badly I wanted to do this, and when I told him it was what I really wanted, he said then I needed to figure out a way to make it feasible. That’s when I came up with the idea to put Nest online. If you have a dream and a passion for something, you find a way to make it work.

What advice can you give for someone considering starting her own business?

Just to do it! There are a million reasons out there not to do it — for example, everyone thought I should get a job with a stable paycheck after grad school, but I went and started Nest anyway. I didn’t have any experience with online sales or boutiques, but you learn as you go. I realized that it’s good to have a vision, but if you look too far in the future it’s overwhelming. Instead, take one step at a time.

I could not have said this better. Take it one step at a time. Be flexible and adapt…learn… grow…have fun and profit.  Living, investing and serving in this way turns life into one big pleasant walkabout!

Helen Keller expressed how to proceed nicely when she said:  “I am only one, but still I am one. I cannot do everything, but still I can do something; and because I cannot do everything, I will not refuse to do something that I can do.”

We do not know what the future will bring, but history is on our side.  Despite humanity’s many waves the tide has continued to rise and we can ride this uplift if we develop our greatest asset.

Until next message, may all your problems be good.

Gary

Join us in 2010. See our winter Ecuador real estate tours below.

Learn about an Ecuador export business.

Jan.   8-11     Ecuador Export Tour

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

Learn about global investing & business.

Feb. 11-14   Quantum Wealth Florida – International Investing & Internet Business, Mt. Dora, Florida ($749) Couple $999

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

Enjoy extra savings with our special early bird Multi Tour Adventure fees (if you enroll through December 10, 2009)

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

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

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

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

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

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

See our entire 2010 seminar and tour schedule here

Read the entire Country Living article Nesting Instinct here

Ecuador Residence & Triple Protection


Ecuador residence may be good idea for many… but I do not recommend investing everything in Ecuador.

Our recent article Ecuador and the US dollar outlined how I am short the US  dollar via dollar loans and hold euros, emerging currencies and Ecuador real estate.

ecuador-sunrise

The sunshine always shines somewhere.  Sunrise from our condo in Cotacachi.

After reading this, one might wonder why such a spread?

The first book I wrote in the 1970s was “Passport to International Profit”… not “Passport to Ecuador Profit”… not “Passport to US Profit”… not “Passport to European Profit”.

The core message in “Passport to International Profit” was become a one man multinational with a six point command posture which is to:

Live in one country
Bank in a second country
Invest in many countries
Earn in two or more countries
Use a company incorporated in a fifth country
Take a second residence

Let’s take this one step further. To have a fulfilling six point lifestyle posture:

Live in one country you love.
Bank in a second country that is safe and that you really enjoy.
Invest in many countries you would like to explore or feel good about.
Earn in two or more countries you would like to explore or feel good about.
Use a company incorporated in a fifth country that best fits your circumstances.
Take a second residence in a place where you love and want to be.

Merri and I have followed this advice throughout our business career.

ecuador-sunrise

The sun always shines in more than once place.  Sunset from our apartment in San Clemente Ecuador.

We have always had a place in the US…  always in small towns by the way… Naples Florida when it was a small fishing village… Murphy and Lansing North Carolina and now Mt. Dora Florida.

A recent article Smalltown USA Revisted said: Finally we get to revisit Smalltown USA. As Merri and I begin our 42nd year of international investing and business seminars and publishing, we gain great comfort and enthusiasm from the  feel of how our efforts in this last seven year cycle progressed. 

First we are excited that in this upcoming seven years we can expand our focus on Small town USA as well as global investing and Ecuador.

I doubt things will get so bad in the US that Merri and I would not want to live there anymore.

ecuador-sunrise

Follow the sun.  Sunrise from our Blue Ridge North Carolina house.

I have options because I am diversified. Yet the options fit my particular lifestyle and do not cost me anything if events where I live, as expected turn out positive.

The US is central to our family.  Our new home in Florida was chosen in part because it is near our eldest grandson who we feel at age seven can benefit from quality time with us.  The US is a country we love and know and as US citizens we have certain rights even if they have greatly diminished.  Plus the US can be a great place to be.

ecuador-sunrise

Follow your sun. Lake County Florida sunset… our newest home.

However Ecuador is wonderful as well. Ecuador is 3 hours and 45 minutes from the US and we enjoy being in Ecuador for many reasons.

Ecuador gives us great weather in the winter and we love the people and the place. Ecuador is not a bunghole we have chosen because  we dislike or fear some other place.  Ecuador is a place we love.

I doubt that things will get so bad in Ecuador that we will not want to live there.  I doubt even more that things will get so bad in BOTH Ecuador and the US that Merri and I could not stay.

There is always something we do not know, sooo…  just in case, here is a photo from my passport.  This is the stamp you get when you are allowed to reside permanently in the UK.

I can always live in the UK and from there, because of European regulations,  I can pretty well live anywhere in the European Union.

Life in Europe would be our third choice.

ecuador-sunrise

The sun does shine in England… as evidenced by this shot our son Jake took near his home in Bristol.

This also fits into our lifestyle.  Merri and I have both lived there for years. We are both multi lingual… me a bit, Merri more than me.  She can get by in Spanish, German or French.  We have children who live in England and expect to have grandchildren living there some day.

Yet if Europe is our third choice…why are euros our first choice currency that is so overweighted in our portfolio?

We do not have to invest in the country where we live.  I believe that the huge US debt and deficits will drag the US dollar down.   I have even less confidence in the Ecuadorian government’s fiscal capability.

Here is the interesting part of my currency choice. I do not particularly like the euro either.

So why so many euros?

The euro to me is the best of several bad choices.

As shown above. The euro represents the biggest economy in the world.  This is one reason for the choice.  The alternatives are BRIC currencies (Brazil, Russia, India and China).  They are represented (and are likely to increase) in the emerging portion of my portfolio.   But I cannot gain enough confidence in these countries to go beyond a 25% weighting.

So the euro wins by default.

I also like the fuddled aspect of European politics… as I do Ecuadorian politics.  Both have so many diverse interests pulling in opposite directions that the political process is slowed.

No government action seems to be much better than efficient bad activity such as we have seen in the US.

We live in a time of incredible opportunity and freedom. There are probably dozens of places where each of us could enjoy living, investing and doing business.  There is no need to look for the one perfect place.  In fact, such a Utopia probably does not exist.

There are however many places like Smalltown USA, Ecuador and Smalltown Europe where one can enjoy living full or part time and gain lifestyle diversification.

Also do not look for the perfect place to live, or the one and only business to do or the best investment of all forever.   Our circumstances and countries, institutions and relations change.

Diversification gives us a greater ability to change too.

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

This is why we offer our course Tangled Web… How to Have an Internet Business as well as this multi currency service.

A clear mind and sound body is also a vital tool for embracing change which is why we have added an optional, extra day (at no added cost) to our upcoming International Investing and Business course. The one day Quantum wealth workshop looks at how to gain super thinking and better health to assist in making wiser investing and business decisions.

We hope you will join us.

Feb. 11-14   Quantum Wealth Florida -International Investing & Internet Business, Mt. Dora, Florida ($749) Couple $999

Gary

How We Can Serve You

How to Have Real Safety

Regain Real Security

There is a path to true security.

I was reminded of this once when I made a horrible mistake.  Almost!

The supposed error?  Letting my mind wander six decades back to an hour I spent with a girl.

Learn from this near disaster, seven most powerful sources of wealth, health, security and fulfillment in this era.

The girl was pretty and blond.  Terry was her name. My imagination spanned decades returning to my Oregon roots seeing her as if she were there.

We were 11 or 12 and had known each other since we started Rockwood grade school.  Just buddies, our non-romantic friendship lasted 12 years, from first grade till high school’s end.  Then she went off to Pepperdine College in California.  I started traveling the world.  Never saw her again.  I hope her life has gone well.  But until that reflection I’d never thought much of Terry in so many years.

What could have been the tragic error was letting that memory touch my heart.  Two kids, walking on a crisp, Pacific Northwest autumnal afternoon.

We walked down a sun filled, pine needle covered, dirt path.  Huge, fat, green Douglas firs lined the road.  Traffic was no problem, not many cars.  Crossing Stark Street we turned left, hiking three blocks to 182nd.  There we passed an old clapboard candy store.  I can still hear the wooden sidewalk of that store slap beneath my feet, felt the soggy planks sag and smelled astringent pitch from the fir trees.  Then we turned right, up 182nd for about a mile.  There was Terry’s house.

I carried on, walking through a big field, waist high grass turned straw brown by an early frost.  There were dozens of paths made by who knows what.  Animals perhaps or countless generations of other kids walking home alone from school.  I chose one following it to another wood of tall, rough-barked fir.  Crossing one more field, I climbed a rock wall, struggled through a barbed wire fence (my Mom hated that fence ripping my jeans).  I was home!

Sweet simplicity, that dream.  Two kids holding hands, walking on a dirt trail under a crisp, but blue, sunny sky.  Pure innocence.

My tragic error was looking back.  I returned to Rockwood, Oregon with Merri and my kids to show them this part of their roots.  Following the route, Terry and I had walked were the candy store, grange hall, old wooden buildings and their home spun honesty and charm.

Instead we found six lanes of fast, frantic traffic and road rage.  McDonalds, KFC, strip shopping centers.  The car radio blared warnings of local gangs and drive-by-shootings. Beauty, innocence, sweet simplicity, replaced by drive ins and drive bys.  Gangs and drive-by shootings replacing a tender walk in the sun.  Good bye memories, good bye.

How can our kids walk in places like this?  How can we return to those old feeling of security and comfort?

How can any of us possibly keep pace in this world that’s moving so fast?  Then something inside snapped. “There has to be an answer for honest, hard working folks to enjoy the wonderful opportunities of today and regain what we’ve lost over the past forty years”, I swore to myself.

How can we keep up, without having such a fast paced life we turn into machines?  Where do we find time for God, family, charity, and our friends?  How can we rediscover those sun filled, pine needle covered, dirt paths we want to walk?

“There has to be places that are still innocent and pure”, I thought.  “There has to be a way of life that does not pound us with stress”.

This thinking led me to begin reviewing the thousands of economic and business experiences I have shared with readers over the decades.  This started a search for a simpler way of life and a better place to earn and protect our wealth.

By digging, asking and observing, traveling and talking to investors and investment managers all over the world I found that there are true paths to real security in the here and now.  That knowledge helped me develop courses on how to have natural health, everlasting wealth and purposeful investments.

This knowledge helped Merri and me invest in stocks and real estate all over the world.  It helped us find and develop Merrily Farms into a sanctuary here on Little Horse Creek.

That almost error led us to create an entire portfolio of information on how to keep pace, get ahead, enjoy our modern society but, to enjoy life wherever you choose without having to move too fast.

This is why I am making a special three day “Let’s get our lives back offer”.

“What would you think in the last 30 seconds of your life if you were the richest man in the world but were unhappy?”

This quote is from the opening slide of our Value Investing Seminar, “How to Secure Your Future With a Value Breakout Plan”.   This a vital question because few investors think about the value of comfort and happiness.  Yet the truth is, those who are comfortable and happy with their investments are most likely to make good investment, business and lifestyle decisions.

Without comfort, no matter how much money a person has changes are, they’ll eventually lose it or kill themselves with stress from worry.

There is a way to have the perfect form of financial security.  Let’s call it the perfect pension.  To help understand how to build an unshakable economic platform, here is Part One of the report, The Pruppie Factor.

The Pruppie Factor – Seven Steps to Comfortable Living & Profits.

“May you live in interesting times”.  That’s a Chinese curse that seems to have been cast on our modern world.  We can enjoy comfort and profits in the year ahead despite this fact.

Become a Pruppie.  Integrate your earning with your investing and enjoy peak living, everlasting wealth and natural health with PIEC Investing in the year ahead.

Before we look at what PIEC means, let’s delve into Pruppieism, the new economic and social realism.  Pruppies expect everything to expand.  They take advantage of every new benefit and technology they can.  Pruppies enjoy using the fruits of our ancestor’s deliberations and labors to earn in this advanced technological world.  They also engage in activity that they love that would sustain them in case society and the incredibly intricate weave of our global economy and society should fail.

Pruppies are prepared in case everything, everywhere, or at least everything relating to their income and savings fails and the fabric that surrounds their lives disintegrates into an unknown veil.  Yet a Pruppie’s preparation is not a sacrifice, but a joy as you will see.

Hope springs eternal and it should.  One of the key themes in my first book, Passport to International Profit, (published in the 1970s) was “The Sun Always Shines Somewhere”.  This thought has been in and remains a foundation of everything I do.

Sometimes this sunshine is hard to see because the press always focuses on doom and gloom.  Current news often makes the world seem about to end.  We cannot blame the press. Bad news sells.  The majority seem to want to worry instead of learn about all that’s good.  This does not make doom and gloom right.  This is why the majority are also the rich portion of the population, but bad news is an economic fact for the press.

Yet despite all the negative headlines, we have lived through the Cold War and MAD, Y2K, GridX II, the Peak Oil Crisis, the recession of the 1970s, 1980s 2007, etc. etc. etc.  Chicken Little is always out there, selling the falling sky.  Don’t buy into this story!

History suggests that there will always be opportunity.  The sun always shines somewhere.

Brexit, global warming and the election of Donald trump as President of the United States are 2016 examples of how the press gravitates to negative news.  These three events may be bad news or not.  The future will tell, but they are examples of how the media focuses on tiny parts of our infinite existence.  They can make anything and just about everything seem negative.  This can blind us to the positive realities ahead, if we let it.  Don’t.  Expect that the world will remain standing and look for opportunity instead!

Our wealth and economic opportunity is pushed by supply and demand.  We are part of a growing global population.  New technology makes more people, as a whole, more productive every day.  The world has increasingly larger markets creating more supply in increasingly efficient ways.

This reality increases everyone’s wealth.  Yes there is a lot of bad news in many places.  There is inequality.  There is crime.  There is war and hate and injustice.   Despite these negatives there is even more that is positive.  Opportunity grows.

Pruppies tap into and use every bit of the good news they can.  They have a plan B if everything goes wrong, but Plan B is based on something a Pruppie wants to do we love, not just a shelter from bad news.

At the end of this report, you’ll find three day special offer that can help you integrate earning and investing for the ultimate form of profit and safety.

Imagine this example of Pruppism.  The Tiffany lamp casts an amber glow, rich, ivory and warm in the grey gloom of early dusk.  The gold knobbed mahogany desk, its deep patina waxed and smooth, shines with reflections of ancient leather Chesterfields stuffed full, but rumpled with age and of maritime shots that hang in brass frames on the wall. The room speaks of settled tradition, the kind that might never end.  But thoughts instead are on the demise of the business that has supported this room.

The late Jim Slater of Slater Walker, a British industrial conglomerate turned bank in the 1970s was in that room.  I recall his bank’s collapse well as I was living in Hong Kong and Slater Walker was a huge going concern in what was a British colony in those days.  The Slater Walker crash was big news that unsettled the entire British banking system at the time.

Slater, the founder, had been a really high roller, using every modern banking tactic available including buying many assets with cheap loans.  Then in the mid 1970s banking crisis interest rates skyrocketed and his bank was unable to refinance its debt.  The company failed and Slater had to resign.  Numerous charges were brought against him and he spent considerable time defending what he had done.

In the end he was only fined a nominal sum but despite this, his banking career was well and truly dead.

However he had already moved on.

He wrote about this in his autobiography, “Return To Go”.  He had always had a hobby making puppet shows and telling stories to his children, so instead of banking, he turned his passion into profit and wrote some children’s books.  His first effort sold a respectable 35,000 copies.  His next a monster series for younger children, became a huge hit.

He had also maintained a hobby of salmon fishing so again turned his passion into profit by creating a business that bought up fishing rights and resold them as time-shares.  He had quite a success.

Some day a catastrophe beyond our control could redirect the course of our lives.  We might lose a job, learn that our pension won’t pay or that our dollars won’t buy as much as they must.

Though Jim Slater was a banker, outside economic forces beyond his control caused his business disaster.  Yet he had options because he had been doing things he loved that were not related to his banking, but could become useful income generators in difficult time.

I do not know if Slater understood Pruppism but that’s what he was practicing.

Pruppism is a positive realism based on the knowledge that much of our lives are directed by events that we do not know or expect and could not change them even if we did.  There is always something we do not know and that’s okay.

Years ago I was speaking at an investing seminar in Marbella Spain.  One of the speakers was a brilliant strategist, Johan Peter Paludan, of the Copenhagen Institute for Futures Studies.  This institute has a large interdisciplinary staff with expertise in economics, political science, ethnography, psychology, engineering, PR and sociology.  They identify and analyze global trends that influence the future.  Paludan was speaking of these trends and answering questions that delegates had about the world’s economic future.

One delegate asked what to do if there was a global nuclear exchange.  Paludan replied that the results of some events are so unpredictable that it is not worth trying to plan for them.

This thought has stuck with me for decades because it helped me realize that no matter how cautious, how defensive and careful we are, there are events that we cannot even imagine that can turn our lives upside down, for the good or bad.  With this in mind my wife Merri and I have created a lifestyle where we turn our passions into profit but in a way that whatever happens we are likely to be in a position to spot the positive and the opportunity.

A PIEC Experience

Pruppies gain the benefits of PIEC wealth.  PIEC is an acronym for “Personal Income Earning Corridor”.  PIEC income and wealth come from doing what you do for love, rather than just the money.

Traditionally people get jobs to create income.  They work to live and support their lifestyle while attempting to spend less than they earn.  They hope, that maybe the savings will bring, sometime in the future, a lifestyle of doing something enjoyable without work.

Pruppies reverse the priorities.  Instead of working for money to save and invest, they focus their prime effort on doing something they enjoy right now.  Then they learn how to enjoy the effort in some profitable way.  They learn to create “Avenues of Abundance” that combine lifestyle with the necessary task of accumulating wealth.

If economic circumstances tie them to an existing income effort, they create hobbies that are income producers of the future.

For example, if a Pruppie loves golf; instead of working six days a week, 50 weeks a year just to golf on Sundays and during short vacations, instead he or she will create a business in some aspect of the golfing trade.

In another example, a client of mine, who loved animals became a vet.  But he learned that the vet’s lifestyle was not one he enjoyed.  He wanted to travel and move around, which is difficult for a professional who needs to stay at his office and build a practice.  So he built a business that prepares special animal foods for race horses.  Now he travels globally visiting horse breeders and makes much more money as well.

Pruppies combine money with time, energy and desires.  They generate income doing something desired.  Desire and fulfillment become at least as, if not more, important as the money.

#1: Do What You Love!

The reason PIECs work well is that when we love to do something, we do it better, for longer and with greater enthusiasm.

Effort, determination and tenacity are wealth building attributes that cannot fail.  Yet Pruppism does not mean we should suddenly abandon our jobs and try becoming golf pros, when we have never been able to break 100.  Smart Pruppies start small and gradually expand into their passion.

For example, as a writer and lecturer, I was never fully satisfied sitting behind a desk or standing on a podium all day long, even though I was making over a million bucks a year. I’m the physical, outdoors type and yearned for exercise and the wilds of the deep woods. “What good’s the money if this isn’t fun?” I often asked myself.

Rather than quit writing and teaching, I looked for ways to combine these professions with the outdoor life.  Through research I learned that many city folk like myself yearn to be in the primitive outdoors.  So I bought an isolated farm high in the Blue Ridge Mountains and an Andean plantation high in Ecuador where I developed seminar centers with charming but simple dwellings, set in rustic surroundings, with clean water and pure air.  Now I live in nature so after I finish the writing or talking, I can walk in the woods or take my axe and chop firewood or something physical.  I’ve combined my writing with physical work and have blended the life I want, with my readers’ needs in a way that makes great financial sense.

We built a series of cabins in the wild that bring more profits than most stocks or bonds could ever return.

The process took six years to shift. Now we have been at this for nearly two decades and we are far from finished.  But while doing what we love, who cares? This is one of the great benefits of PIEC investing. We can slow down and enjoy the work instead of always rushing ahead, looking for something more.

Those who work nine to five can start PIEC businesses part time if they are too uneasy to quit their jobs. Others, who like myself, already have a business can slowly shift their product or service in a sensible way and let it evolve toward their PIEC.

But where do we start?

There is a seven step process we can all use whether we have our own careers, a business or even if we are retired (PIEC investing is especially good for retired folks who have found the supposed good life flat or financially short).

The first step is to get a clear idea or vision of our dream.  This is sometimes harder to achieve than it seems.  We are so deluged with false ideals from Washington, Wall Street, Madison Avenue, etc. that we have to stop and really take stock.  What do we sincerely want?

There is a very practical economic reason to look inwards for wealth.  Warren Buffet recommends that we only invest in what we understand. What can we understand better than ourselves?

This inner search will lead us to an ideal that begins the second step which is gaining enthusiasm.  How can we be anything but enthusiastic about finally fulfilling our deepest dreams?  The enthusiasm leads to the third step; gaining an education.

We need to find out everything we can about our idea.  To succeed we must take the third step and become real experts in the product or service we offer.

Fourth, this educational process allows us to develop an intelligent, focused business plan we can act upon and the action is the fifth step which brings us the experience. Experience gives us the sixth step, a financial loss or profit.  We always profit in increased knowledge which creates the seventh step, more ideas.

Then the entire cycle starts all over again: Idea, Enthusiasm, Education, Action, Experience, Financial Profit and New Ideas.

This is a way to keep adding new opportunities into our lives.  Business is rarely static. It is an ever evolving process instead.

This seven step cycle may take days, weeks, months or years, but the moment you begin you’ll start moving into an avenue of affluence where you love your work so though money isn’t your main goal it comes more easily.

#2: Do what you love, but also be of service.  Do something for others that is meaningful and important to you.

We all have a purpose in life and when we are filling it, we feel fulfilled.  Wealth and fulfillment is the goal.  Fulfillment is important because of the law of diminishing returns.  A 2008 study that analyzed Gallup surveys of 450,000 Americans suggested that day-to-day contentment improves until income hits around $75,000 per annum.  After that, more money just brings more stuff, with far less gain in happiness.  Income beyond $75,000 does not do much for a person’s daily mood.

This is a pretty general study and regional differences in costs, inflation and life circumstances will create many fluctuations from this norm, but the point is when money is the main goal, the better you get, the harder it will be to gain satisfaction.

Giving, on the other hand, never has limitations, especially when the giving helps complete a purpose that is part of our destiny.

This is true in business and investing.  A study of investors for example found that investors with socially responsible ideals gained the best returns.  A dual goal of profit and achieving some social benefit provides a purpose beyond returns.  This brings comfort and determination to the investments and the added stick-to-it-ness helps increase profits.

The financial giant State Street Corporation’s Center for Applied Research did an 18 month study of 7,000 investors to get a better understanding of the role incentives play in making investment decisions.  Based on this study a new measure of investment performance called “Phi” was created.  Portfolios were previous rated by their Alpha, Beta, and Gamma. Phi is the newest measure of performance.

Alpha measures an investment’s performance against a market index.  If the Standard & Poor’s 500-stock index is up 10 percent and a mutual fund is up 15 percent, for example, that 5 percentage point difference is alpha.

Beta is the return of any given market.  And charting beta is what a passive index fund does.  Comparing different indexes’ beta — say domestic equities and international bonds — helps investors in deciding how to allocate their investments.

Gamma is a measure of the impact on returns of more intelligent financial planning decisions.  A Gamma rating quantifies the additional value that can be achieved by optimal asset allocation, a dynamic withdrawal strategy, incorporating guaranteed income products (i.e., annuities), tax-efficient decisions, and liability-relative asset allocation optimization.

What phi aims to add is a way for investors to quantify how their motivations — or those of the people managing their money — will affect long-term investment returns.

The study examined what motivates a person to invest — or not and found that main investment motivations are market-based motives, the most frequent and powerful being fear in the market.  Both market motivations, the prospect of profit and the fear of loss, can have a negative effect on long-term performance.

A deep sense of purpose is what causes a high phi score.  A high phi factor is not about outperforming markets or peers, and it’s not an asset-gathering measure of performance.  Pi performance is defined as sustainable investing with a deeper sense of purpose.

People who invested with socially responsible ideals did best in the study.  The dual goal of profit and achieving some social benefit provides a purpose beyond returns.  This brings comfort and determination to the investments.

The study helped define three aspects of investing that are generally ignored, purpose, habits and incentives.

Purpose.  Purpose requires some soul-searching questions about what we each want our life to be.  This purpose is more important than the investment goal.  The purpose of the money we have becomes more important than the amount in the portfolio.

Habits.  Habits come next because we need to create habits and routines that keep us on the path of our unique purpose.  The marketplace does all it can to distract us from our goals.  There is an endless stream of news, rumor, conjecture, facts figures, ideas and tactics generated by every part of every stock market aimed at getting us to act in ways that benefit the agenda of others.

Habits help us avoid being distracted from what we are meant and want to do.  The muffle the noise of Madison Avenue, the spin from Washington DC and the hidden agendas of big business.

Incentive.  Changing incentives to accomplish a purpose instead of a numerical (percentage or profit) goal helps us adopt better behavior.  We react to accomplishing our meaningful purpose instead of drama created by media as well as manipulation and short term whims in markets.

The study showed that changing incentives in this way improved phi when they had a meaningful impact on a person’s investment strategy.

The study found these facts: Every one-point increase in people’s orientation toward investment goals with a purpose — and the scale is 0 to 3 — equated to 42 percent greater odds that the investors know what they are paying in fees, 37 percent greater odds that investors are not rejecting their financial adviser, 38 percent greater odds that the people consider investing in socially responsible investments and 79 percent greater odds that investors will trade less frequently, the research found.

As in so many others cases, two of the most important factors of success are keeping costs and trading activity low.  These are among the most powerful ways to increase wealth.  Having greater fulfillment as well as more wealth is a bonus that Pruppies call “Everlasting Wealth”.

Figure out what is really important in life for you and then find ways to invest in that purpose.  When you do, you’ll be on a solid path to everlasting wealth that is not so easily diverted by the daily drama that seems to be unfolding in the modern world.

Learn to focus your investments using purpose as the most important investment goal.  The purpose of money becomes more important than the amount.

Learn how to create habits and routines that keep us on the path of our unique purpose.  The market will do all it can to distract us from our goals.  Understand that many banks, brokers, the media, the government and commerce all have agendas to take our money, not make more for us.   Good wealth habits and routines protect us from this.

#3: Integrate your earning and investing. 

Long term success in business and investing are determined by control and comfort.

Comfort comes from feeling in control, but since there is always something we do not know, real comfort comes from knowing that we are serving a valuable purpose, the best we can, regardless of how events unfold.

Real comfort helps maintain determination, dedication and enthusiasm, all among the most vital parts in the process of succeeding in investing and business.

Our own business increases comfort because a business is simply an investment that gives us more control due to the addition of our own time and energy. 

A Personal Income Earning Corridor (PIEC) begin with a main income generator that we control.  For some this is a job with a salary.  For others it is a pension. For many it is their own business.

Integration of business and investing is important because investments are not always good income generators.

Years ago I managed an investment portfolio for Canada’s largest private investment management firm.  One day, during lunch with the president of the firm, we discussed the difficulties of professional fund management.  He explained that one of his biggest problems was the excessive expectation of customers.

“I have a retired client who has a million dollars”, he said.  “The client wants $90,000 a year to live on.  In a good year, we might earn 11%.  The client can take 9%. Our fee is 1% and the client’s fund increase by 1%.  In a bad year, we might earn 5%. The client takes 9%.  Our fee is 1% and the client’s funds drop by $50,000.  In the next year the client has even less to work with so a withdrawal of $90,000 may be more than 9% of the portfolio.  The client tends to take even more in good years, but never reduces the demand in bad years.”

The number one golden rule of investing is that there is always something we do not know.  Risk is always our partner.  When we invest, there is always potential that will negatively affect our financial welfare.  Our investments might rise or fall because of market conditions (market risk).  Corporate decisions, such as whether to expand into a new area of business or merge with another company, can affect the value of our investments (business risk).  If we own an international investment, events within that country can affect our investment.  There is both political and currency risk.  There is liquidity risk because we may need to draw on an investment at a time when it price is low.

Plus there are broken promises.

We live in an era of broken promises.  Defaults could ruin most average retirees and even investors.

A look at government, social and currency breakdown at its worst can help us see the problem.  Germany is an example when it borrowed heavily to pay WWI costs.  Such borrowing almost always leads to currency and social erosion and this did then.  Right after the war there was some stability, before government spending began to run wild.  By 1923, it reached the worst in history.  This caused prices to sometimes double in hours. In Germany by late 1923 it took 200 billion marks to buy a loaf of bread.

Hard-working people with modest spending habits could not even buy a postage stamp with their life savings.  All debt was wiped out but so too were all savings.

Salaries were paid three times a day yet shops were empty.  Food riots raged. Businesses closed down, unemployment soared.  The economy collapsed.

Anyone on a fixed income was destitute.  They sold everything just to buy food.

Small businesses however survived because they could hold material things such as clothing, food, anything people could consume. 

Recent news about Social Security, pensions and health care shows that the US government has excessive debt today and that we as individuals need tactics to make sure, when governments, pensions and insurers weasel out of their promises, that we can take care of ourselves.

One big broken promise is Social Security and Medicare.  The most recent Social Security trustee report shows that the programs will begin to spend more than they earn within just three or four years.   The Medicare hospital-insurance trust fund, could use all its reserves by 2028.  They face insolvency over the next 20 years because Social Security runs totally out of money by 2034.

This is a bigger problem then it may seem because it creates an even bigger broken promise concerning the US dollar.

Medicare and Social Security already account for 41% of federal spending.  That was the expenditure last year.  This is not a static problem.  Each year that percentage is growing worse.  This creates a special risk for the dollar because Social Security’s reserves are not really assets at all.  The purported assets are simply IOUs from the US government.

Social Security assets are a liability of the government, so eventually the money comes from the same place as all other government expenditure, taxes or federal debt.  This means that if Social Security has to sell an asset, then the government, already overburdened by debt, will have to borrow the money from somewhere else.

If the Fed cannot raise enough money to pay Social Security only two options are left, devalue the greenback or don’t pay.

When Social Security was established in 1935, the President and Congress imposed taxes to pay the promised benefits. Thirty years later politics had changed.  When Medicare was established in 1965, the government took credit for the popular health coverage but left the payment problem for future generations.

President Nixon and Congress also enjoyed the popularity of they increased Social Security benefits  in the 1970s but left future generations the bill.

The public has not been fooled.  A survey in 1964 found that 77% of the population answered yes to the question “Do you trust the government to do the right thing “just about always” or “most of the time”.  Only 19% answered yes in 2015 according to Pew Research.

Yet what can individuals do other than what we have, voting in new administrations?

Voters attempted to create change in 2008 with a new administration.  The election process and result of 2016 suggests they were no pleased with the results. 2017 and beyond may be “interesting” years.

There should be little wonder that Americans have stopped trusting politicians who promise benefits to get and remain elected but leave the burdens of paying for the promises to pile up waiting to sink the next administration.

This problem has grown so large that in 2011 Federal Reserve Chairman Ben Bernanke “maintaining the status quo is not an option. Creditors will not lend to a government whose debt, relative to national income, is rising without limit.”

In 2014 Federal Reserve Chair Janet Yellen told Congress that more work must be done “to put fiscal policy on a sustainable course.”

If the government does not resolve this problem soon, then the world of lenders will.  If the US has to raise interest rates to continue attracting loans, a downward spiral will grow.  Higher rates create greater debt and greater debt demands higher interest payments. The costs will be catastrophic.  As investors flee US bonds and T-Bills for safer investment, the US dollar will lose purchasing power.

Social Security, if paid and even if paid in the same amounts as before, will buy less.  If Medicare stops working then all that’s left for backup is Obamacare and the private insurers in the plan.

This is another broken promise.  When United Health Group, the nation’s largest health insurer, recently announced that it was pulling out of Obamacare insurance the public learned that it will face higher premiums.  Many will need to choose a new plan, change doctors and hospitals as well.  United Health is not the first or only insurer to quit. A dozen nonprofit health insurance cooperatives shut down just last year.  The giants Aetna and Blue Cross Blue Shield are even considering a drop out.

If Social Security and health care promises are broken that just leaves our pensions. Right?

Yet if we look at the Pensionrights.org website we see hundreds of corporations that have reduced pension benefits including the likes of Honda Motor Co., Ltd., Allstate Corp., Coca Cola, Boeing, Caterpillar, Kraft Foods, Hewlett Packard, Fedex GM and GE to name a few of over a hundred.

This problem is not limited to corporate pension.  An Economic Budget Issue Brief issued to Congress from the CBO (Congressional Budget office”) says:

“By any measure, nearly all state and local pension plans are underfunded, which means that the value of the plans’ assets is less than their accrued pension liabilities for current workers and retirees” CBO.

The report shows that even five years ago the short fall of State and Local Pensions was over 3 trillion dollars, more than all other state and local debt

That leaves the Pension Benefit Guaranty Corporation (PBGC) as a safety net.  In the 2015 PBGC’s annual report the Director’s message says:  “One of the most important functions of PBGC is assuming responsibility for pension plans when their sponsors can no longer keep them going.  We insure the benefits of more than 40 million workers and retirees.  Currently, we pay more than 800,000 people each month.  An additional 585,000 workers are scheduled to receive benefits from PBGC when they retire.”

But if you look at the first paragraph of the Financial Report in that annual report you see:

“PBGC’s combined financial position decreased by $14,577 million, increasing the Corporation’s combined deficit (net position) to $76,349 million as of September 30, 2015 an all time record high from  $61,772 million as of September 30, 2014”.

Every step along the way we see shortfalls, debt with little hope of repayment and an economic overhang that will eventually create broken promises at every level from the pensions, healthcare, Social Security and most from a falling US dollar.

These facts will ruin the life styles of millions, but not all.

In short, there is risk in even the safest investments and there is a possibility that a negative financial outcome might occur.

This is why multi dimensional business opportunities make sense.  You can profit from expanding your utility.  The US currency may fall but your business can offer valuable, needed services or products that will be worth more than gold.

You can gain from having a source of income in a place where you have the best chances of control.  This is why for centuries… small business have had a home upstairs and business below, so the owner could control their business.

Those who profit most in changing times are those who add new dimensions to old time proven ways.  Modern technology offers many exciting ways to create multi dimensional profit and can earn income at home.

When you have your own business, you reduce the need to place excessive demands on your savings and you reduce the risks of broken promises especially when your have a multi dimensional business with multiple streams of income.

At the end of this report, you’ll find three day special offer that can help you integrate multiple streams of income and investing for the ultimate form of profit and safety.

Merri and I aim to create multi dimensional opportunity wherever we live.

In Florida we bought a house and an orange grove next door.  Then we added a rental unit.

In North Carolina we bought a farm, then we added a seminar center, rental units and a trout raising business.

Products and services of essentials, food, clothing, shelter, protection and good health are the real golden assets in the worst times.

Imagine the scenario where our entire structure melts down.  “See the man who has just come in to get some milk for his family.  He stares at the rows for canned milk.  They were empty. Cleaned out.  He closes his eyes.  The world spins.  He snaps his eyes open and checked the rows again.  They are still empty.  He feels oddly betrayed.  Grocery stores are the supports of life.  When you need something you come here.  This is a fact of life in today’s world.  How can he not take this for granted.

“He rushes to the dairy case.  That’s empty too.  He runs to other shelves and sees shoppers piling up food, any food they can grab, throwing entire rows into their carts.  He is pushed and shoved in a mad rush to take any remaining food.

“The man speeds off to the nearest Dollar Store but finds the parking lot filled, lines waiting just to get in the door.”

Just one disruption in the supply line and in a day, the stores were empty. Our modern world is so intricately connected and stores operate on a just-in-time inventory control system.  When you buy anything a computer orders more and it comes next shipment, next day. One glitch in this complex system, one short break and the shelves rapidly go empty.  The barer the shelves, the faster everything goes.

Yesterday everything had been normal. Suddenly there was no milk anywhere.

The man’s tale is imaginary, but the fabric behind it is not, as the real story below shows.

In September and November of 2016, the Colonial pipeline that supplies millions of people with gasoline was shut down.

In November, one simple error caused the disruption.  A track hoe digging for utilities accidentally struck the pipeline, ignited gasoline and caused an explosion.

In September there was a leak (over a quarter million gallons of gas) that caused the disruption.  While shut down, so many people rushed to the gas station to fill up that it created a panic and shortage.

I spoke with the owner of the local gas station we use. He said people were lining up to fill their cars, gas cans and even large tanks in pickups.  He had to limit sales.

A shortage of just about any essential quickly creates panic.  In the pipeline disruptions motorists running to gas stations deviated from their normal consumption habits at the pump and quickly exhausted existing supplies.

There was still plenty of gasoline, but the ability to transport the product to North Carolina (and four other states) was restricted.  Loss of common sense, civility and safety flew out the window within hours.

This was despite the good news that there are two pipes that run side-by-side.  Only one was ruptured, so the disruption was not as bad as it could be.

The September leak, just one small problem in just one pipeline led to days of dry pumps and higher gas prices in Alabama, Georgia, Tennessee and the Carolinas while repairs were made.

Five states are so dependent on just two side by side  pipelines that their shutdown can create panic for millions of people in under one day.

Merri and I make each of our houses multi dimensional…a home and a source of income from some essential product.

Governments are going further into debt globally.  This creates serious debt and economic problems everywhere.  These burdens mean that governments and societies lose their ability to keep their promises.  Multi dimensional earnings can help overcome the risks these conditions create.

Our website has long shared the idea of multi dimensional business, investing and living.  We have looked at the idea of living as a landlord or the idea of multi dimensional writing and farming or Ecuador farming with B&B, plus Ecuador B&Bs on the beach or in the Amazon to name a few.

Multi dimensional opportunity earns in numerous ways.

Merri and I have always created multi dimensional opportunity in our global travels.  We have united self publishing, seminars, tours, real estate, teaching, currencies, investing and real estate to enhance our income and living.  For example in London we converted a house into an office and bedroom time share. We found special currency deals that helped.

I came across this (one of my first) multi dimensional opportunities when I wanted to finance a house purchase in London.  My business plan was to create a small office-apartment complex.  I would live in part of the house, have an office in part that I would share with a number of my readers.  The deal was aimed at helping overseas businesses people have an office and a place to stay when they were in London.  I set up a club something like a timeshare.  Not quite a timeshare but close enough.

My track record with the bank was good and I had always repaid loans.  Yet the policy at that bank was “timeshares are no-nos”.  I could almost see the glaze come over my bank manager’s eyes as I explained the project.  It was the look that said “No matter what you say, the answer will be NO”.  Once a manager thinks that what you want is against company policy, it is better to do something realistic like climb Mount Everest on a lunch break.  I come from a family of modest means and had no relatives or friends with the cash to start the deal so my alternative was to find overseas investors.

After making the necessary polite motions with my banker and letting him do likewise, I thanked him for his time and was preparing to leave.

Then he said, “By the way let me show you our new American Express Gold Card plan”.  The bank had just started to offer credit cards and they came with a 7,500 pound unsecured overdraft.  He told me that overseas investors could have these as well as local investors and customers.

Overdrafts are a peculiarly British line of credit that allows you to borrow up to the limit of the overdraft without any regular payment plan.  The banker sort of expects to see the amount borrowed rise and fall.  The borrower just pays interest on whatever amount is owed and on occasion the bank reviews the overdraft with you.

At that time one pound equaled about 2.2 dollars so this meant that everyone who obtained this credit card received a $16,500 dollar unsecured line of credit. $15,000 was the amount I was charging each member who joined my London office-apartment club!  I immediately saw how to use this to attract overseas investors.

I wanted 50 members at $15,000 each which was double the $375,000 I needed to buy and develop the property. I saw how to turn my customers into my overseas investors.

My head was spinning as I left the bank.  The bank would not give me a $375,000 loan secured by property.  Yet they would lend my buyers of the club the full price of membership on an unsecured basis.  All I needed was get half my buyers right now on a nothing down pre -purchase deal.  This is exactly what I did.  My customers became my overseas investors.

I hustled out, called my customers and offered them this deal they could not refuse.  “Join our club now and you get an American Express gold card.  The bank will lend you the money unsecured for your club membership.  Pay it back when you can.” 

That was a deal that few overseas investors could refuse.

This was a much better deal for me than borrowing the money from overseas investors to start.  The original 25 sales were financed by the bank.  My customers had to pay the money back, not me.

My clients loved me for this deal.  The British pound collapsed shortly after.  That 7,500 loan that created over $15,000 became much less expensive…. barely $10,000.  Those who borrowed made about $5,000 (33%) forex profit on the loan as well as the good real estate deal.

They made such a profit on the currency change I wrote a report about it and earned additional income from the report sales.

In that real example, I used my writing to enhance a real estate deal.  The real estate helped me promote my seminars and sell a report plus I ended up with a income and a wonderful central London house to live in.

There are many multi dimensional real estate opportunities, land that offers a low stress, healthy home, farm income and other profit potential all at the same time.  Merri and I sponsored many Ecuador real estate tours to help readers buy multi dimensional real estate like Ecuador beach farms that provide rentals and farm income.

When investing and business are balanced the building of wealth becomes a more fulfilling, enjoyable process of service.  Great financial rewards are an extra benefit rather than ultimate goals.  Worries about money become less dominant and we gain an inherent power because we want to work harder and longer.  We don’t need to search (and spend) so much for fulfillment and are more likely to excel financially.

Three Layer Financial Plan

Having our own business allows us to operate at peak performance and create a PIEC (Personal Income Earning Corridor).  Having a PIEC business does not mean you should put all your money in just your own business (though at times you may).  Diversification is always good.

PIEC portfolios come in three layers, first the personal business, then a layer of very safe investments over a third, much smaller layer of speculative deals.

The majority of PIEC diversification beyond our business should be in stodgy, liquid investments such as utilities, CDs, bonds and good value equities.

I prefer Country Index ETFs that provide diversification into entire equity markets.  These investments might pay little in the short term, but are safe and they are highly liquid at a known price.  The low return on these investments is acceptable because they support your PIEC business which maximizes profits and adds comfort like few other investments can.

These very safe investments act as reserves if your business hits a sticky patch and can provide ready finance if sudden business opportunities arise.  They also don’t take up much time in research, accounting, watching the market, etc. so you can devote your energy doing what you love (your business).

However, if you genuinely love researching and tracking the market and have the mentality, capital and experience for it, just being an investor can be a wonderful PIEC business in itself.

The third layer of diversification can be speculative because modern portfolio theory suggests that safe investments are enhanced and made safer by adding a small amount of higher risk deals.  This also allows us to fulfill any casino mentality we might have left if having our own business is not enough.

PIEC investing makes it easier to create and keep wealth.  It enhances our lifestyles now, because it lets us make money being who we really are.  It makes life more fulfilling and fun.

Integrating investing and business reduces the risks of placing excessive demands on your savings, especially if we have an anchor of value.

#4: Find your Anchor of Value.

Find your passion.  Knowing ourselves also helps begin a business with a most powerful business tool I call the Golden Rule of Simplicity.  This rule says there are millions of people just like us.  When we truly see ourselves we look into a mirror that reflects an entire market who feel and desire just as we do.  This is a simple rule yet gives us a finely tuned market research system which shows us how to get create our product, get in touch with our market, deliver the product or service and surrounds us with like minded souls.

Self-knowledge is also essential for comfort and comfort is a vital part of everlasting wealth.  When investors are not comfortable, no profit is enough.  Uncomfortable investors have a never-ending thirst for more that cannot be quenched.  This indefatigable desire gums up the money making process.  Amounts don’t matter.  Even investors with incredible assets suffer this never-ending lust.  A well documented example is Bunker Hunt’s huge losses when he speculated in silver in the 1970s.  He had hundreds of millions yet speculated it all to make even more. When is hundreds of millions not enough?

Develop your investment rules.  Whatever your passion you will need to establish your method – the criteria you will use to select shares for your portfolio.

Whatever your preference you need to establish your key criteria.  Once you have your method working well, improvements come from experience and practice – learning from the successes and failures of each and every investment you make.  The quote “The harder I practice, the luckier I get” applies here.

Know when to sell – and when not to.  A key factor in effective portfolio management is to run profits and cut losses.  This is counter-intuitive for most people because it is natural to want to grab a profit and rather unpleasant to realize a loss.

If you run your profits they can become very big.  If you cut your losses they will always be relatively small.

To understand this approach better, let me ask a question.  What if I offered you a free Mercedes Benz?

You would probably say YES… but would be thinking… “What’s the catch?”  That’s good because we all know there is no such thing as a free lunch, much less a free new car.

Would an answer be harder if instead there was a choice, a FREE Mercedes or $4 million bucks (as in US dollars)?

Most would choose the cash.  Yet of course we would still be expecting a catch.  There is a penny to drop, some risk and the need to ignore the thundering herd and an absolute requirement of discipline.

Let me share a true story about how and why an investor in similar circumstances got the Mercedes and had the $4 million, but then lost it.

The story contains three valuable tips.

Once upon a time, 1981 to be exact, there was a recession. An economic and political mess arose across the land.  The story began with unemployment.  In 1981, the US Presidential election was over, the US economy was hurting and the new government and president were turning on the money printing machine.

This was a gloomy time, those early 1980s.  Really.  That was the worst recession since the great depression.

You often hear that the worst recession since the great depression was the great recession of 2007.  This is statistically wrong.  1982 was worse.

The times were dark and this story begins at the end of the 1980 Presidential election when the US economy was at its worst in 50 years and getting worse.

Our hero in the story thought the stock market would recover, despite the fact that everyone thought everything was bleak and black.  He approached his bankers and asked to make some leveraged investments in the stock market.

His goal was to make enough profit to buy a brand new Mercedes Benz.

He opened the account and bought shares. He used those shares as collateral to leverage these investments with borrowed Japanese yen.

His timing was lucky.  The stock market rose quickly.  The Japanese yen collapsed.  His profits shot past his goal to buy the car.

The Fever

Bubble fever had set in so when the hero’s investment manager called with that great news, “You have enough for your new Mercedes“, the investor changed his mind.  “Let it roll,” the investor said.  “I want to make a million instead”.

The investment manager left the portfolio alone and soon the investor’s profit rocketed past 1 million dollars.

The investment manager called.  “You have made a million bucks… perhaps we should take some profits.

Let it roll,” the investor said. “I have decided to make two million instead.”

The investment manager left the portfolio alone and soon the investor’s profit rocketed past 2 million dollars.

The investment manager called.  “You have made two million bucks… perhaps we should take some profits.

Let it roll,” the investor said. “I have decided to make three million instead.”

The investment manager left the portfolio alone and soon the investor’s profit rocketed past 3 million dollars.

The investment manager called.  “You have made three million bucks… really we should take some profits.

Let it roll,“… the investor said. “I have decided to make four million.”

As the portfolio was nearing four million in value the investment manager called.  “You have made almost four million bucks… perhaps we should take some profits.

Let it roll,” the investor said. “I have decided to make four million and enough for a Mercedes.”

Shortly after the stock market corrected and the yen strengthened.  Profits fell so quickly the investor lost a million almost overnight.

The investment manager called.  “You have lost a million bucks… we had better take the profits.

Hold,” the investor said. “The market will come back”.

The stock market fell more and the yen grew stronger.  The profits fell even faster and the investor lost another million.

The investment manager called again.  “You have lost another million bucks… it’s time to take your profits.

Hold,” the investor said. “The market will come back”.

The stock market continued to plummet and the yen rose more.  The investor lost another million.

The investment manager called.  “You have lost three million bucks now…  You really should take the profits left.

Hold,” the investor said. “The market will come back”.

Finally as the market plunged more and profits faded away, the investor, having lost more than 3.5 million, closed his positions and had just enough profit left to buy his new car.

The Mercedez was black and shiny… a big 500 SEL model… king of the road.  The hero never enjoyed it much.

The moral of the story is that when you invest you need a plan, a discipline and to know when to holdem and when to foldem.

Remember that there are always three distinct options – buy, sell and hold.  We’ll look at how to decide when to buy, to sell and to hold later in this report.

Make sure you have some liquidity. You should always keep an eye on the “liquidity”, the ease with which you can sell all or part of your portfolio. If you are invested mainly in big cap stocks you will have little trouble going into cash if necessary.  However, if you have focused on smaller growth shares it makes sense to keep enough of your PIEC portfolio in large companies.

Select shares that can, if necessary, be turned into cash instantly and provide some comfort if the market as a whole turns ugly.

The potential gains on very large companies are not likely to be as high as those from smaller growth companies, but they can and often do well enough to give you a warm feeling.  Remember comfort counts!

Diversify – but not too much.  Your portfolio should contain no fewer than 10 shares, and you could put 10 percent of your money in each of your top selections.  Diversification is essential to reduce risk, but too much of it can hinder performance.

One of the best ways to have huge diversification in a small portfolio is with Country Index ETFs.  These ETFs are similar to an index mutual fund but are shares normally traded on a major stock exchange that tracks an index of shares in a specific country. ETFs do not try to beat the index they represent. The management is passive and tries to emulate the performance of the index.

Most country index ETFs are invested in dozens, often a hundred or more, shares.

For example, the iShares MSCI Australia (symbol EWA) is a Country Index ETF that tracks the investment results the Morgan Stanley Capital Index MSCI Australia Index which is composed mainly of large cap and small cap stocks traded primarily on the Australian Stock Exchange mainly of companies in consumer staples, financials and materials. With 72 constituents, the index covers approximately 85% of the free float-adjusted market capitalization in Australia.

A portfolio of a dozen country index ETFs represents diversification to hundreds of shares and a dozen currencies.

Diversifying into countries is safe because countries  generally do not go away, go bankrupt or become challenged by changing technology and altering markets.

Diversifying into countries is also relatively simple because, there is sufficient analysis of global markets so every country’s stock market can be compared and markets of best value included in a safe portfolio.

In addition these valuations do not change quickly.  In 2016 our portfolio of 20 good value country index ETFs had only one change, an addition of the Turkey Index ETF, in the year.

This low volume turnover gives us time to put our focus and energy on our business and the passion we love most.  Studies over decades suggests that this simple slow trading, highly diversified approach increases long term profits and increases safety.

Country ETFs provide massive, good value diversification at a really low cost.

Most passive country index ETFs have minimal cost structures.

#5: Keep costs down. 

High trading costs are one of the biggest drags on the performance of your PIEC portfolio.

There are numerous costs we need to keep an eye on.

Load fees. Avoid back-end and ongoing load. When looking at mutual funds, we’ll typically see them listed as A shares, B shares, and C shares.  All of these share classes have some type of load.  Avoid them.

A shares include a front-end, a guaranteed loss the minute you buy.  B shares come with a back-end load, a guaranteed reduction of any profit or expansion of any loss.  B shares typically charge 5% if they are sold within a specified time (normally five to seven years). There are also higher ongoing operating expenses for B shares. Fund companies typically charge up to an extra 1 percent a year for B share operating expenses.

C shares charge a penalty (usually 1 percent) if a sale is made within the first year.  They also carry higher expense ratios.

12b-1 fees are fees hard to see internal fees that cover a fund’s marketing and distribution costs. Funds can 12b-1 fees to pay brokers incentives for selling their funds. We should watch 12b-1 fees to make sure our broker is advising this fund because it is a good investment, not because he or she is receiving an incentive.

Management fees. We should make sure we get what we pay for, a good manager who makes us feel comfortable by helping build safety and steady performance in our portfolio.

Churning. Some funds and brokers churn, or buy and sell more than is really required.  History suggests that the less activity in a portfolio, the higher the return. Active management is one thing, but funds and brokers can increase their income with excessive transactions that do little or nothing to help us as investors.

Misallocation. Many investors are misallocated for the benefit of the bank or broker.  There are a remarkable array of unnecessarily risky, undiversified portfolios created to generate fees, and that have nothing to do with a client needs. Beware of complex and expensive portfolios full of bits and pieces that are hard to understand. Low transparency can often be associated with high costs.

Expense ratios in fund doesn’t cover all of the costs.  All investors, whether using funds or not face other costs such as brokerage and bid-ask spreads.

Bid-ask spreads for example are subject to market friction.  Markets are liquid because makers standing ready to buy or sell shares at all times.  They are paid by the difference between what they will buy and or sell for.

Shares that have less liquidity, ie.  Not many buyers and sellers, have bigger spreads between buying and selling prices.

Investing in widely held index funds and index ETFs can reduce this cost gap.  Such investments normally trade within fractions of a cent, keeping this this hidden expense in check.

Trading commissions make active trading an expensive way to increase profits. Trading costs sandbag our profits from the start.

Taxes need to also be considered. Buying and selling quickly increases fees and also creates short-term capital gains taxes.

Be careful of margin account as well. Most brokers will let us borrow money (for a fee) so we can leverage our investments.  This increases any profits or losses created, but also adds the interest cost of the leverage.

If we add up all the potential fees, redemption fees, brokerage fees, back-end load fees, management fees, inactivity fees, 12b-1 fees, transfer fees, minimum equity requirement fees, commissions, the cost of limit orders and consultancy costs, before investing.

We should know what all our fees are.

Passive Funds Usually Cost Less. Because reducing costs is a major factor in investment success, low cost passive funds that do not require high cost managers generally out perform managed funds in the long run.

Over a 15 or 25 year period very few managers outperform the respective benchmarks of sectors where they invest by a couple of percentage points.

It’s an easy way to game the stock market, and getting easier by the day.

In Part Two of this report we’ll look at the more speculative end of our PIEC portfolio.

While we are sharing this report, I want to make a special offer, limited to the next three days, that can help you integrate your business and investing.

We offer two courses for attaining financial security.

The first is our “Live Well and Free Anywhere Program”.  The program contains  a series of courses and reports that show ways to earn and be free. These courses and reports are:

  • “International Business Made EZ” course
  • “Self Fulfilled – How to Write to Sell” course
  • Video Workshop by our webmaster David Cross,
  • The entire weekend “Writer’s Camp” in MP3,
  • The report “How to Raise Money Abroad”
  • Report and MP3 Workshop “How to Gain Added Success With Relaxed Concentration”
  • Any updates to any of the courses, workshops, reports or recordings for a year.

You can learn all about this program at How to Have Real Freedom, but do not order the program there for $299 .  If you subscribe to the Purposeful investing Course in the next three days, I’ll send you the program free.

I invite you to join me and a small selective group who for the next year will participate in an intensive program called the Purposeful investing Course (Pi).  The purpose of Pi is finding value to increase the value of and protect our savings, pensions, income and wealth in good times as well as devastating economic conditions.

Learn Slow, Worry Free, Good Value Investing

Stress, worry and fear are three of an investor’s worst enemies.  They create a Behavior Gap, that causes investors to underperform in any market good or bad.  The behavior gap is created by natural human responses to fear.   Pi helps create profitable strategies that avoid losses from this gap.

Lessons from Pi are based on the creation and management of a Primary Pi Model Portfolio, called the Pifolio.  There are no secrets about this portfolio except that it ignores the stories from economic news (often created by someone with vested interests) and is based mainly on good math that reveals the truth through financial news.

The Pifolio is a theoretical portfolio of MSCI Country Benchmark Index ETFs that cover all the good value markets using my (almost) 50 years of global experience and my study of the analysis of four mathematical investing geniuses (and friends).

The Pifolio analysis begins with a continual research of international major stock markets that compares their value based on:

#1:  Current book to price

#2:  Cash flow to price

#3:  Earnings to price

#4:  Average dividend yield

#5:  Return on equity

#6:  Cash flow return

#7:  Market history

We combine the research of several brilliant mathematicians and money managers with my years of investing experience.

This is a complete and continual study of what to do about the movement of international major and emerging stock markets.  I want to share this study throughout 2017 with you.

This analysis forms the basis of a Good Value Stock Market Strategy.  The analysis is rational, mathematical and does not worry about short term ups and downs.  This strategy is easy for anyone to follow and use.  Pi reveals the best value markets and provides contacts to managers and analysts and Country Index ETFs so almost anyone can create and follow their own strategy.

The costs are low and this type of ETF is one of the hardest for institutions to cheat.  Expense ratios for most ETFs are lower than those of the average mutual fund.  Little knowledge, time, management or guesswork are required.  The investment is simply a diversified portfolio of good value indices.  Investments in an index are like investments in all the shares of a good value market.

Pi opens insights to numerous long term cycles that most investors miss because they have not been investing long enough to see them.

For example, in the 1980s, a remarkable set of two economic circumstances helped anyone who spotted them become remarkably rich.  Some of my readers made enough to retire.  Others picked up 50% currency gains.  Then the cycle ended.  Warren Buffett explained the importance of this ending in a 1999 Fortune magazine interview.  He said:  Let me summarize what I’ve been saying about the stock market: I think it’s very hard to come up with a persuasive case that equities will over the next 17 years perform anything like—anything like—they’ve performed in the past 17!

I did well then, but always thought, “I should have invested more!”  Now those circumstances have come together and I am investing in them again.

The circumstances that created fortunes 30 years ago were an overvalued US market (compared to global markets) and an overvalued US dollar.  The two conditions are in place again!   There are currently ten good value (non US) developed markets,  plus 10 good value emerging markets.

Pi shows how to easily create a diversified, worry free portfolio in some of these good value markets using Country Index ETFs.

The current strength of the US dollar is a second remarkable similarity to 30 years ago.   The dollar rose along with Wall Street.  Profits came quickly over three years.  Then the dollar dropped like a stone, by 51%  in just two years.  A repeat of this pattern is growing and could create up to 50% extra profit if we start using strong dollars to accumulate good value stock market ETFs in other currencies.

This is the most exciting opportunity I have seen since we started sending our reports on international investing ideas more than three decades ago.  The trends are so clear that I created a short, but powerful report “Three Currency Patterns for 50% Profits or More.”   This report shows how to earn an extra 50% from currency shifts with even small investments.  I kept the report short and simple, but included links to 153 pages of  Good Value Stock Market research and Asset Allocation Analysis.

The report shows 20 good value investments and a really powerful tactic that shows the most effective and least expensive way to accumulate these bargains in large or even very small amounts (less than $5,000).  There is extra profit potential of at least 50% so the report is worth a lot.

This report sells for $29.95 but when you subscribe to Pi you’ll receive the report, “Three Currency Patterns For 50% Profits or More” FREE.

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

With investors watching global stock markets bounce up and down, many missed two really important profit generating events.  The price of silver dipped below $14 an ounce as did shares of the iShares Silver ETF (SLV).   The second event is that the silver gold ratio hit 80 and has remained near this level, compared to a range of the 230s only two years ago.

These two events are a strong sign to invest in precious metals.

I prepared a special report “Silver Dip 2015” and updated this in 2017.   The report explains the exact conditions you need to make leveraged silver & gold speculations that can increase the returns in a safe portfolio by as much as eight times.  The purpose of the report is to share long term lessons about speculating in precious metals gained through 30 years of speculating and investing in gold and silver.

The low price of silver offers special value now so I want to send you this report because the “Silver Dip 2017” offers enormous profit potential in 2017.

Save $457.95 if You Act Now

Subscribe to the first year of the Personal investing Course (Pi).  The annual fee is $299, but to introduce you to this online course that is based on real time investing, I am knocking $102 off the subscription.  Plus you receive FREE the $29.95 report “Three Currency Patterns For 50% Profits or More”, the $27  report “Silver Dip 2015” and the $299 “Live Well and Free Anywhere Program”.

Triple Guarantee

Enroll in Pi.  Get the first monthly issue of Pi and the report “Three Currency Patterns For 50% Profits or More” and the “Live Well and Free Anywhere Program” right away. 

#1:  I guarantee you’ll learn ideas about investing that are unique and can reduce stress as they help you enhance your profits through your own purposeful business and slow, worry free purposeful investing.

If you are not totally happy, simply let me know.

#2:  I guarantee you can cancel your subscription within 60 days and I’ll refund your subscription fee in full, no questions asked.

#3:  I guarantee you can keep “Three Currency Patterns for 50% Profits or More” and “Silver Dip 2015” plus the Value Investing Seminar as my thanks for trying.

You have nothing to lose except the fear.  You gain the ultimate form of financial security as you reduce risk and increase profit potential.

Subscribe to a Pi annual subscription for $197 and receive all the above.

I am so confident that you’ll gain from this offer that if you are not fully satisfied, simply email me within 60 days for a full refund  and keep the $299 “Live Well and Free Anywhere Program” as my thanks for giving Pi a try.  

New International Investing Era


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

electromagnetic-pulse

Photo from Wikepedia report on Electromagnetic pulse weapons.

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

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

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

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

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

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

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

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

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

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

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

First here are three facts that you should know.

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

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

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

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

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

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This graphic is from the USA Today article linked below.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

But this is England, not North America.  Right?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Each boom leads to excess.

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

The economic downturn enhances a war or threat of war.

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

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

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

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

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

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

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

#3:  Create your own source of food.

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

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

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

#7:  Hold some assets outside of North America.

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

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

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

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

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

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

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

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

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

Gary

The greatest asset of all is the ability to earn wherever you live, which brings everlasting wealth.

This is why we offer our course Tangled Web… How to Have an Internet Business.

A clear mind and healthy body are also a vital assets… plus a second language is a powerful diversification tool.

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

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

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

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

December 9-10 Imbabura Real Estate Tour

December 11-13 Ecuador Coastal Real Estate Tour

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

Our multi seminar-tour discounts have grown!

See the 2010 winter schedule below.

To Enroll click below.

1 real estate tour  $499 Couple $749

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

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

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

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

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

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

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

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

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

See our entire 2010 seminar and tour schedule here

Read the entire articles:

Electrical grid vulnerable to terrorist attack

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

Cotacachi Shamanic Tour


We are repeating our Beyond Logic & Cotacachi Shamanic Tour this December 6, 7 and 8, 2009 because the most successful thoughts come from Beyond Logic.

This may be why the Beyond Logic & Cotacachi Shamanic tour has been one of the must successful of our 2009 tours. Due to this demand we are repeating this course… plus adding optional Andean real estate plus a free Christmas shopping extension for December 2009.

The Ecuadorian shamanic thinking process can help us learn how to advance and prosper during this economic downturn.   Three shamanic lessons below show why. These lessons are outlined in a moment.

First may I introduce the course “Beyond Logic” conducted by Blaine Watson this December 2009.

Because the last Beyond Logic course was one of our most popular this year, we have added a three day ‘Beyond Logic” Course to be conducted in Cotacachi December 6, 7 and 8, 2009.   Ecuador Andean and coastal real estate tours will follow (more on this in a moment).

The first two days will be conducted by Blaine Watson. Here he is conducting a course here in North Carolina. He is in our teaching kitchen because nutrition is part of the course.

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Blaine’s portion of the program includes a personal reading (one per single or couple – a second reading is extra) based on your time, day and place of birth. We’ll get your birth time in advance so he can bring your chart with him. You’ll have your reading either after the course or later by phone.

Here is the course schedule.

Day One. Sunday…Dec. 6, 2009 – Blaine Watson

A detailed description of the 12 signs, the 9 planets and their significations and the 12 houses, how they come into being and the significations of each one, as the basis for interpreting the horoscope and making predictions.

Day Two. Monday…Dec. 7, 2009 – Blaine Watson

In-depth analysis of the of the planets and how to interpret and predict from their placements in the 12 signs and the 12 houses.

Day Three. Tuesday…Dec. 8, 2009 – Quantum Lessons from the Yatchaks. Delegates will visit a sacred valley near our village for a shamanic mingo…just beyond this field.

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We’ll hike in (but can also bring those who desire to come by truck) here…

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Here is a shot I took of Merri and Don Jose when we hiked in on a previous Mingo.

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We’ll reach this grotto where the water springs from the cave…

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the color of gold.

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Shaman Don Jose will conduct a purification for those who choose to have it.

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as I am doing here.

You can enroll in Beyond Logic here.

Here are the three shamanic lessons.

Recessions and depressions destroy many investors and businesses. Yet these times of cleansing are also the breeding ground for the next group of extreme rich.

Why do some succeed when so many fail?

They have different ways of thinking…gaining energy and seeing beyond the accepted logic.

No one can see the future. It is hard to be energetic and forward moving in tough times. Perhaps this is why only a few become rich and healthy.

The thought process, processing knowledge and natural health have always fascinated me as have the legends of Old Ones the “Abuelos” who live high in the Andes hiding sacred knowledge for longevity, high energy and success.

Merri and I were so intrigued that we bought Hacienda Rosaspamba, high in the Andes and lived with a Taita Yatchak and his apprentices to learn more.

Here is the hacienda and the view we enjoyed each day as we rose.

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The Taita Yatchak invited Merri and me to hike into the mists and clouds of the Llanganatis, the sacred valley, which legends say contain hidden Incan gold. I suspect the gold is golden knowledge…not the yellow metal!

To find out, and learn more on how to think for true success…in health and wealth, we invited friends, two MDs and a Sanskrit scholar to hike in with us. Here we are, on top of the world, starting that trek.

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The first shamanic lesson was to trust our inner vision. The picture below shows Merri and me with Dr. Jay Glaser an MD, Ayurvedic physician and Sanskrit scholar overlooking the sacred LLanganatis Valley.

Here is how we learned this lesson. The yatchak put us on a path like above. Told us to look ahead. Then close our eyes and walk the path. “Trust your inner vision,” he said.

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Here we are with the Yatchak in the jungle during that hike.

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The second shamanic lesson was to purify oneself from the outside in and the inside out at the same time. Be pure in eating, action and thought. Always keep cleansing…mind and body.

For example, we stayed in an open air hut during our time in the LLanganatis. The mists there have negative ions that neutralize free radicals in the skin.

Here we are with the Yatchak and our friends at the hut.

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We brought a Sanskrit expert because the Andean language is based on Sanskrit, a language from India. What made this tidbit special was that we were already studying Ayurved, the Indian science of life…health…pure thought.

We learned for example that the name “Llanganatis” is linked to Indian philosophy. Llanganatis means “Repeated Sacred Action” (the Sanskrit word is Yagya). This led us to a third shamanic lesson…”See beyond logic”.

This helped Merri and me understand how to use Vedic Astrology to see a bigger picture beyond logic. The Indians were able to maintain their ancient wisdom in a more refined and usable way than the Andeans, mainly because the Spanish destroyed most of the Andean Quipos, (knotted cords of different colors used by the ancients to store knowledge).

We learned to integrate the wisdom we have gained from India and the Andes to think and act Beyond Logic.

Our astrologer is Blaine Watson who has been an incredible help when it comes to making decisions that we cannot process just with logic. Blaine is an expert in the wisdom from India and Ayurved.

For example, our daughter Elle graduated from University in London with a degree in dramatic arts. Her question to Merri and me was “Should I go for a career in singing or go on and get a teacher’s certificate in Physical Education?” (She was a superb athlete as well as an aspiring singer.)

We all agreed that becoming a singer was a long shot. Teaching was safe. But we knew that her passion was to shoot for being a star. How would she feel in later life if she didn’t try?

We had Blaine check her Vedic chart. He knew nothing about Elle but said at that time she had just moved into a cycle for three years when her best thing would be the performing arts, entertaining, etc. That was enough to convince us. “Go for it”, we said and encouraged her.

Within a week she was picked as a backup singer with Modern Romance, a popular English rock group with many top hits in the UK including the theme song from the movie, “Shrek”.

Her first gig was before 4,000 fans! In the ensuing year she met many of her rock star heroes as work associates. This was an incredible experience for her and led her to buying a franchised performing arts school called Stagecoach, where see now earns hundreds of thousands a year.

May I say with due respect that Eleanor is the last child that we ever thought would be a business woman. No logic could have shown us this. Yet she approached this business with incredible discipline and dramatically expanded the school. In her first year her profits were in six figures. Her second year took her well into six figures. Today at 27 she lives in a very expensive home on the River Thames. She has a new car, new kitchen, everything she wants and an income in the top 5% of the world.

Her success has been beyond logic!

Yet we supported this success based on the realization that every moment there are possibilities that our logic just cannot see. Vedic Astrology helped us tap into a bigger picture.

The inability to measure the results of astrology used to bother me enormously until years ago I read an article about Aristotle Onassis, the ultra rich Greek shipping magnate. He gave the secret of being a billionaire that helped me look beyond my logic. “Certainly one does not need an astrologist to become a millionaire.” Then he quickly added that “to become a billionaire, it is essential.”

Onassis’ statement really struck a chord with me as my many years of residence in Hong Kong had exposed me to many businessmen who looked beyond logic. I heeded the astrological advice because the Chinese businessmen are often considered superstitious due to their belief in astrology. Some might consider their sight beyond logic, offbeat and unreal, but there were more billionaires per capita in Hong Kong than anywhere else in the world!

The more I thought about this, the more it made sense. To make billions one has to take enormous risks and see a big picture far into an invisible future.

We all have to make some decisions based on events we cannot totally predict, but successful billionaires make huge decisions based on enormous unknowns. It requires incredible faith to take incredible risks. None of us can see the whole picture but Astrology, albeit vaguely, helps us see the biggest picture of all.

During economic downturns, times seem even more uncertain. Previous history is of little use so these deeper, more subtle ways of processing information become even more important.

This may be why one of our most popular courses we offer is conducted by Blaine Watson, our Vedic Astrologer. Many of our readers also use Blaine and rave about him.

During times of contraction…those who profit most are those who expand…but in the correct way. This course “Beyond Logic” can help you think better, have more energy, natural health and purity to pursue your inner vision, that sees a bigger picture of health and wealth for all.

I invite you to join Blaine Watson for

Beyond Logic Three Day Course – Dec. 6-7-8 2009 …$749 for one

Beyond Logic Three Day Course – Dec. 6-7-8 2009 …$999 for two

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

Stay on and enjoy our Andean real estate tour.

We’ll meet here at the museum and…

at Meson de las Flores.

Cotacachi Ecuador Tour

These are times of rapid change beyond our logic and  hope that the wisdom shared in this course can help you.

Gary

December 9-10, 2009 Imbabura Real Estate Tour

See real estate for sale like this on the Imbabura Andean tour.

On the Imbabura Real Estate Tour… we’ll see new premium houses…

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designed by one of Ecuador’s most famous architects who designed the house above and this one…

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now being built that you could own at a discount with…

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this view through your front window.  Tour delegates can get a discounted price at $70 a square foot.

We’ll see Andean condos and studios in the $40,000 to $50,000 range like this.

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with fireplaces and…

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views like this.

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Learn more about the December 9-10 Imbabura Andean real estate tour here.

Attend two or all three tours at a discount and save.

Attend two December Ecuador seminar or tours…$949 for one.  $1,349 for two.

Free Christmas Shopping Extension

Pay for your tours with Christmas shopping savings

On Saturday December 5th, 2009, we’ll take delegates on an extensive shopping trip to see:

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Workshop of Jose Cotacachi. A delegate poses alongside Jose after purchasing the center wall hanging.

We’ll shop all day, plus for reasons of time, space we just can’t visit all the producers in the area on this art and crafts tour so we’ll invite them to Meson de las Flores.

When word gets out we are having an exposition at the hotel so many craftspeople apply that we turn away disappointed artisans because there just isn’t the space.

We’ll see art from Montero.

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Artist Montero produces exquisite watercolors for as little as $25 such as those below

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Local weavers will display tapestries.

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Hand knit woollen sweaters prove a big hit time and time again at $15

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Totally natural medicinal and beauty products from the Amazon are distributed by our very good friend Alberto Verdezoto. Prices are eye extremely low.

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Mario a local jeweler with fantasy designs always realises several sales of pieces such as those below

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Juan produces wonderful pre-colombian designs on recycled card

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A local family of musicians make and sell instruments, pan pipes at $2 each at a local workshop

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display them .. the large tubular horns at left are small compared to the 35 foot horns used ancestrallt to announce village meetings

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……..and then the same group comes to play and dance during supper – using the very same hand made instruments.

Delegates who enroll in any of the December tours above are invited to this free Christmas shopping extension on Saturday December 5, 2009. No Extra Charge.

Ecuador Investing & Business Idea


Here is an Ecuador investing and  business ideas for Ecuador or anywhere you live.

In a moment, I am going to show you how to own this 16 room hotel in Otavalo for almost nothing… maybe even free.

otavalo-hotel-for-sale

First let’s look at a business idea for this hotel… rootlessness… a growing global problem.

Problems create opportunity so there is business opportunity in rootlessness.

Technology has given mankind the ability to work, live and invest globally… a wonderful benefit.   Yet this mobility has created a problem as well.

One of my messages many years ago (2002) outlined that there would be a growing market for friendship in this modern era.

That message said: The market for friendship has to grow because technology has made society so  mobile. I for example have lost nearly every single really good friend from school.  I haven’t seen most of the friends I grew up with for forty five years. I imagine they still live in Portland, Oregon, but maybe not. They might all have become travelers like myself. Out of a six pack of school buddies, Steve is the only one with whom I keep in touch.

When I moved to North Carolina, I visited the local car mechanic named Jay Dee to have some work done on my 1986 Suzuki Samari Jeep. This is the perfect farm car but often needs work.  Jay Dee’s garage is a barn by his house and local people sort of collect around that barn to shoot the breeze, spit a little tobacco and talk over old times. “Remember old Johnny Blevins and that time he threw you in the creek,” one of them might say. “Well darn that must a been fifty years ago.”

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My Samari… 23 years old and only 62,000 original miles.

I love being with these wonderful mountain people and their easy going, friendly ways. They have such deep roots and ties and are comfortable and at ease with their friends. They know who they are, where they are and who their friends are because they have been with them their entire lives. These people aren’t hanging around Jay Dee just to get their cars fixed. They are enjoying a ritual of friendship that has united them since they were kids.

I love this! My friendships are scattered and far flung all over the world. I sometimes don’t get to see my friends for years!

A huge segment (much of the wealthiest) of the population no longer lives where they were brought up. They have lost touch with their roots.  The more technology removes us from our origins, the more the market for togetherness and friendship grows.

Friendship is an extension of togetherness and can develop around many themes. For the mountain folk of North Carolina or anyone who remains rooted in their birthplace the theme is mostly “down home”.

These friendships are tight and if you have ever heard the phrase “You ain’t from around here are ya, boy,” you have experienced the reverse side of this type of friendship. The implication is that with these long term, locally based friendships, the only way to be a friend is to have been there for years.

Some of the years I lived in Gloucestershire, England were spent in a tiny village named Chalford. I lived over  a local pub there, “The Mechanics Arms.” Though I was a newcomer to the area I was accepted as an old timer because of family ties. One man in his sixties, who visited the pub every night however wasn’t quite part of the crowd.

Many of the locals talked about him as the new man in town. I was surprised later to learn he had lived in Chalford for nearly thirty years!  The locals would always view him as less trustworthy because he had not been born and raised there. Childhood experiences were the basis of their deepest friendships.

Many of us will never have this type of long term familiarity friendship.We have moved around too much. This creates markets for many types of new friendships.

Networking is a form of business friendship. The theme of the friendship is scratch my back and perhaps I can scratch yours or we will both be better off scratching each others’ backs. Such friendships can be local, state or country wide or as mine span the globe. They can be very informal or very formal.

The market for formal friendships has already exploded.  Incredible growth of support groups such as AA are a sign of the momentum in the friendship market. Such groups offer a format for formal friendships and range from disease support groups to abused support groups. Each offers an organized way to have friends. The growth of these groups is not because there are more problems than thirty years ago. The growth is because of the increasing market for friendships.

We can see this trend spreading everywhere. For example one telephone company has recognized this growing trend and has successfully built its business around the idea of calling “family and friends.

This thought (that a market for friendships would grow) was correct.  We see this on the internet with one of the biggest trends being social networking sites.

A recent New York Times article, “Invisible Immigrants, Old and Left With ‘Nobody to Talk To” by Patricia Leigh Brown reveals a sliver of this problem.

Here is an excerpt from this article:   They gather five days a week at a mall called the Hub, sitting on concrete planters and sipping thermoses of chai. These elderly immigrants from India are members of an all-male group called The 100 Years Living Club. They talk about crime in nearby Oakland, the cheapest flights to Delhi and how to deal with recalcitrant daughters-in-law.

Together, they fend off the well of loneliness and isolation that so often accompany the move to this country late in life from distant places, some culturally light years away.

“If I don’t come here, I have sealed lips, nobody to talk to,” said Devendra Singh, a 79-year-old widower. Meeting beside the parking lot, the men were oblivious to their fellow mall rats, backpack-carrying teenagers swigging energy drinks.

In this country of twittering youth, Mr. Singh and his friends form a gathering force: the elderly, who now make up America’s fastest-growing immigrant group. Since 1990, the number of foreign-born people over 65 has grown from 2.7 million to 4.3 million — or about 11 percent of the country’s recently arrived immigrants. Their ranks are expected to swell to 16 million by 2050. In California, one in nearly three seniors is now foreign born, according to a 2007 census survey.

Now let’s look at this 16 room hotel in Otavalo that you can have for almost nothing… maybe even free and how it could offer a business that solves this problem.

First, let me detail the hotel and why a fabulous bargain has come up… and how this hotel can fit into the friendship market.

This  is an really good Ecuador income opportunity, a…

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hotel for sale in Otavalo.

The owners have had this on the market for a number of years at one million dollars. We thought this price was too high and never wrote about it.

Earlier this year they dropped the price to $750,000 and offered us $150,000 commission if we sold it. I wrote then:  The owners offered us a $150,000 commission to sell the hotel. We are not brokers and do not take commission so our reply was “cut the price for our readers”!  This would place the price at $600,000… an interesting value.

$600,000 may have been interesting but the owner now just emailed us and dropped the price to $495,000.  This places the price beyond  an interesting value into the bargain range.

Plus the owners again offered us a commission.  We do not take commissions so whatever (how much commission was not clear) amount they would pay could be deducted from this price.

This makes the hotel a real bargain.

At $750,000 the commission of $150,000 was 20%.  We don’t know of course about the commission, and I didn’t want to wait to verify this because this hotel is valuable, beautiful and it could  work out at about $35 a foot on the building and leaves you the land (which right next to Otavalo market is worth a lot).

Yet there is more. I believe you can get the land and the 16 room hotel for almost nothing.

I’ll explain how below.

First: the hotel details. The hotel is right next to Otavalo Market, one of the largest tourist attractions in Ecuador.

The property has these characteristics:  Appx. 30,000 sq. feet of  land and 12,000 sq.  feet of  building in 3 apartments and 16 hotel rooms.

Property Details:  The property consists of approximately 30,000 square feet of land, with trees, gardens and many types of exotic birds.  The gardens…

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are large… well groomed and…

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have a wonderful patio.

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Ma too likes it there.

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There is approximately 12,000 square feet of solid brick and cement construction.

On the property, there is plenty of room for expansion and development, especially in a town where there is absolutely no land left to develop.  The building is built in the old colonial style with finely crafted hardwood arched windows and doors, rustic floor tile and traditional clay-tiled roof.  The building is constructed according to U.S. anti-seismic standards.

The owner claims this is one of the best built constructions in Otavalo—and one of the prettiest in the city!

The building boasts excellent water pressure on all four floors. (Please don’t pooh pooh this quality!) The building has a powerful, propane gas-fueled boiler system capable of producing up to 700 gallons of hot water a day.  With access to the land/building from two streets, the property has frontage on 3 streets, which have been newly paved by the City of Otavalo.

Characteristics:  16 rooms, large social area (restaurant), large working kitchen, two medium-sized apartments, one large penthouse apartment, small building in back (approximately 250 square meters) that serves as a laundry room and storage facility, which also has a full bathroom and a working fireplace.  This could easily be converted into a small rental property.  Adjacent, yet private, to the main property, and which consists of 350 square meters of our total property, is a working area and parking garage (which can accommodate approximately 6 cars), with clothes lines, and general storage area.

First floor: Consists of large working kitchen, with back door exit to outdoor enclosed pantry/food storage room, laundry area and herb garden.  There is a large dining room (approximately 2,500 square feet) with excellent working fireplace, and space to comfortably entertain 60 or so people.

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Reception.

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Restaurant is beautiful also.

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The dining room leads outside onto the tiled patio and garden where there are tables and chairs for serving and relaxing, and this area may be used to accommodate another 30 or so people.  Also on the first floor there are 8 rooms which have served as hotel rooms, each 55 X 45 feet  in size with large bathrooms.

All rooms face out into the garden and the property is in front of Mount  Imbabura.   Hundreds of hummingbirds and exotic birds roam the grounds.

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Patio seen from one of the three apartments.

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Hotel room…

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shots.

Second floor: There are two spacious apartments, each about 1,100 square feet in size, with glass windows looking down onto the garden.

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Apartment #1 view…

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Apartment#1 bedroom.

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Apartment #1 Living room

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and kitchen.

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Each apartment has a large bathroom and a kitchenette with small balconies in the back.  Also on the second floor there are 8 more rooms, equal to the rooms on the first floor, that open onto a balcony over-looking the garden.

Apartment #2 living room

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Bedroom.

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bathroom.

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Third floor:  There is a very large “penthouse” apartment, approximately 2,250 square feet with large glass windows and a large balcony overlooking the garden.  This apartment has one bathroom with a small adjacent room that may be converted into a sauna, large spacious kitchen and living room, two large bedrooms, and a large working fireplace.

Penthouse…

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views.

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Penthouse.

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Penthouse fireplace.

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Kitchen.

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Penthouse bedroom.

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Extra room.

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Penthouse bedroom #2.

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The Roof: The penthouse apartment has stairs that lead to the roof, where there are two 5,000 gallon reserve tanks for storing water (if needed), as well as more storage space.  As stated before, there is excellent water pressure on all 4 floors.  Also includes a solar hot water system which connects into the boiler system.

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Two 5,000 gallon water storage tanks…

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plus solar water heater.

This is an excellent facility with wonderful grounds in a high priced area..

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Let’s look at the owner’s explanation of why they have lowered the price… then we’ll see how to get this hotel for almost nothing.

Hello Merri and Gary,  This is Margaret from Ali Shungu in Otavalo. I have been living up here on the mountain for about 6 months full time, going back and forth to the Hotel.  I feel better up here in my little house with my projects.   I have been recovering from an illness and have been in the hospital in Quito. They said that if this diverticulitis does not clear up, and it has been bad for about 6 months with 3 months of vomiting, fever, etc.,–that I will need an operation to remove it.  I’m drinking all kinds of herbs and aloe vera cactus and only boiled simple foods, and hoping to heal without an operation.  Did 2 rounds of antibiotics, might have to do more…….I will say though, that the hospital bill was not that bad in Voz Andes for all the tests that I had and treatments, etc.   I will now take care of myself more, and do more praying!  I might need intravenous antibiotics but I do not want to go back to the hospital in Quito.

There you have it… a owner whose health no longer allows them to run the hotel nor wait out a high priced buyer.

Here is how to get this 16 room hotel for almost nothing. I believe that the three apartments, if separated from the hotel and sold on their own, are worth near the price of the hotel.   I do not know the Otavalo real estate market so well…but I have seen the apartments and penthouse and they are exquisite.

If they are and if you can buy this for hotel in the $400,000 range… this means the 16 room hotel, the grounds and the restaurant are almost free.

This will require some negotiating, some work and legal work  (Ecuador lawyers are not very expensive)… but could provide one heck of a deal.

We have put our Ecuador Living subscribers in touch with the sellers.  To gain this contact information you can subscribe to Ecuador Living here.

If the hotel is not under offer, we’ll show it on our upcoming October Andean Real Estate tour.    See tour details here.

Merri and I are not involved financially in any way with this offer.  We have not looked at the hotel’s financial accounts, legal situation, titles, nor had an engineering inspection, so be sure to take all normal precautions if you are interested.  Especially look at the labor obligations you’ll absorb.

Our recommendation for those who are interested in Ecuador is to come visit first… look around… rent and stay awhile… before you buy.  One reason for this recommendation is that when you are here awhile you’ll see bargains… like this and I believe for the reasons stated that Hotel Ali Shungu is now a bargain.

Now let’s see how this creates opportunity from the problem of rootlessness.

Americans and Canadians are flocking to Ecuador.  I know.  Our Ecuador Living business is going wild.  The subscription pace has almost doubled recently and the request for rentals in this area has skyrocketed past our ability to keep up!

The demand is especially strong at the lower income level… those who are retiring and can no longer have a decent life in Canada or the US… especially in places where there is winter sun.

There people are isolated… often not speaking Spanish and with little to do.   So Turn this hotel into a residence for gringos. Provide free internet… US papers…. weekly Spanish lessons… a support program… group tours, travel assistance etc.

There is one more value.  Yesterday’s message How to Make Money in this Multi Currency Era explained how, due to the falling US dollar, Ecuador real estate has become a 10% better value since this last February.

Gary

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

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

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

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

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

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

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

Even Better Get All three Courses Free

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

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

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

Or head south to Ecuador!

October 16-18 Ecuador Southern coastal tour

Oct. 21-24 Ecuador Import Export Tour

Oct. 25-26 Imbabura Real Estate Tour

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

Nov. 6-8 IBEZ Ecuador Seminar

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

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

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

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

Read the entire article Invisible Immigrants, Old and Left With ‘Nobody to Talk To here.

Ecuador Beats Inflation


Living in Ecuador is one way to beat inflation.

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Ecuadorians now how to live well on less.  They even farm steep land like this.

See two other ways to beat inflation below.

Beating inflation is absolutely vital now… especially for those about to retire… because Social Security is fading.

Lalla was a 14th century poetess who lived in Kashmir.  She described herself as a somewhat… something… moving dreamlike… on a fading road.

This is a perfect description for Social Security now… somewhat… something… moving dreamlike… on a fading road.

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Almost every plot of spare Ecuador land is rich and growing food.

Picture this.

Excerpts from a recent AOL.Money article by Jim Kuhnhenn entitled “White House Projects $9 Trillion Deficit”: In a chilling forecast, the White House is predicting a 10-year federal deficit of $9 trillion — more than the sum of all previous deficits since America’s founding. And it says by the next decade’s end the national debt will equal three-quarters of the entire U.S. economy.  But before President Barack Obama can do much about it, he’ll have to weather recession aftershocks including unemployment that his advisers said Tuesday is still heading for 10 percent.  Overall, White House and congressional budget analysts said in a brace of new estimates that the economy will shrink by 2.5 to 2.8 percent this year even as it begins to climb out of the recession. Those estimates reflect this year’s deeper-than-expected economic plunge.

The grim deficit news presents Obama with both immediate and longer-term challenges. The still fragile economy cannot afford deficit-fighting cures such as spending cuts or tax increases. But nervous holders of U.S. debt, particularly foreign bondholders, could demand interest rate increases that would quickly be felt in the pocketbooks of American consumers.

The amount of  this debt just an astounding and will almost certainly lead to inflation and a falling US dollar.

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A lot of the food grown is organic so…

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the local markets, like this one in Cotacachi have low cost organic “Productos Organicos.”  This makes it easier and less expensive to eat well in Ecuador.

The article above about the deficit is bad enough news but a recent USA Today article Social Security checks set to shrink in 2010 that shows how for those who are retiring, matters are getting even worse. Here is an excerpt:  Millions of older people face shrinking Social Security checks next year, the first time in a generation that payments would not rise.

The trustees who oversee Social Security are projecting there won’t be a cost-of-living adjustment (COLA) for the next two years. That hasn’t happened since automatic increases were adopted in 1975.

By law, Social Security benefits cannot go down. Nevertheless, monthly payments would drop for millions of people in the Medicare prescription-drug program because the premiums, which often are deducted from Social Security payments, are scheduled to go up slightly.

Cost-of-living adjustments are pegged to inflation, which has been negative this year, largely because energy prices are below 2008 levels.

Seniors “count on that COLA,” said Barbara Kennelly, a former Democratic congresswoman from Connecticut who heads the National Committee to Preserve Social Security and Medicare. “To some people, it might not be a big deal. But to seniors, especially with their health care costs, it is a big deal.”

Even the Cathedral next to our hotel grows organic corn in the church yard.

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There are numerous ways to beat this inflation crunch.

Inflation beater #1: Move to a low cost of living location like Ecuador. Inflation will hit Ecuador as well… but the starting baseline is lower.  In addition people in Ecuador know how to live well… on less.

Inflation beater #2: Own real estate or other commodities. The price of property and commodities, properly purchased will rise with inflation.  Property in Smalltown USA especially offers value now.

Inflation beater #3: Have your own business.  This is the greatest inflation beating asset of all, the ability to earn wherever you live.

This is why we offer our course Tangled Web… How to Have an Internet Business.

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With so much sun and plenty of rain, the grass is rich, even in Cotacachi at 7,500 feet altitude for…

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these organic cows.  Plus raw milk can be purchased directly… and at a low cost from the dairy keeping the cost of good living down.

A clear mind and healthy body are also a vital assets… plus a second language is a powerful diversification tool.

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

Gary

Here are comments from one seminar delegate about the way we help: I really enjoy your Ecuador e-mail every day, especially because of the eclectic nature of the subjects. The recent postings on Loja were great, as my wife and I visited Loja for two nights and a day when were were in Ecuador last March. It is a beautiful town, and we met some very nice people there.

At our hotel the staff makes our own butter, marmalade and ice cream. Plus they love serving in beautiful ways. Here is how they set out the cutlery!  How can anyone not be charmed by such care.

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Sept. 17-21 Ecuador Super Thinking + Spanish Course

Sept. 23-24 Imbabura Real Estate Tour

Sept. 25-28 Ecuador Coastal Real Estate Tour

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

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

October 16-18 Ecuador Southern coastal tour (early sign up before Sept. 1, $499 per person).

Oct. 21-24 Ecuador Import Export Tour

Oct. 25-26 Imbabura Real Estate Tour

Nov. 6-8 IBEZ Ecuador Seminar

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

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

Read the entire articles below:

White House Projects $9 Trillion Deficit

Social Security checks set to shrink in 2010

Investing Internationally


Investing internationally with thought about reflexivity can improve your wealth.

See three thoughts below that can help bring you everlasting wealth.

#1: George Soros’ thoughts on international investment reflexivity and how the power of thought affects investing and business internationally.

#2:  More on Ecuador’s government’s plan to take over a number of  TV and radio frequencies.

#3: An update on international emerging market values…

International Investments & Reflexivity

Investing internationally can bring everlasting wealth if your logic can adapt and focus in new and meaningful ways.  One way to focus your investing logic is by understanding reflexivity.

The term reflexivity was coined by George Soros.   His thinking on investment markets can help investors because the philosophy has proven success.

Part one of his book “The New Paradigm for Financial Markets” shows how we as investors and as a society need to think outside the box.  This section of the book makes seven points:

Point #1: Understanding world is inherently imperfect because we are part of the world.

Point #2: There are two functions in our thought… understanding the world … cognitive thought and having impact and taking advantage of the world… manipulative thought.

Point #3:  These two functions counteract one another. Manipulation requires intentions and predictions which are not fact.  So our beliefs and expectations can hinder our ability to see fact.

Soros writes in this book: “Take the stock market as an example People buy and sell stocks in anticipation of future stock prices, but those prices are contingent on the investors’ expectations. These expectations cannot qualify as knowledge.

Point #4:  Supply and demand are not independent of people’s expectations.  This means that the element of uncertainty cannot be be eliminated. Yet market theory that rules most investing and most government intervention in markets ignores this fact.

Point #5:  Social events have a different structure from natural phenomena.  Natural phenomena has a causal chain that connects one event directly to the next.  Human affairs include participant’s views. These views affect the causal effect and the participant’s views which creates self reinforcing loops.

Point #6: Natural events happen. Participants can affect what happens next with their decisions but cannot base their decisions on true knowledge because their decisions alter the truth.

Point #7:  At times reflexivity makes the abnormal normal.

Soros’ philosophy is supported by Heisenberg’s Uncertainty Principle that states that certain pairs of physical properties, like position and momentum, cannot both be known exactly.  The more precisely one property is known, the less precisely the other can be known. It is impossible to measure both position and velocity of a microscopic particle with any degree of accuracy or certainty. This is not only a statement about the limitations of a researcher’s ability to measure particular quantities of a system, it is a statement about the nature of the system itself… the fact that the act of measuring anything alters the very thing being measured.

This would make it seem that we cannot really gain an understanding of what will happen with any international investment or business.   This is true.

However there are ways we can come closer to understanding… because we are a part of nature, which by definition makes us part of and in touch with everything.

Access to this infinite knowledge is via our more subtle brain waves.

Access to these waves can come in many forms.

Soros claims to have many ways to access this greater knowledge but in his book his son wrote:  My father will sit down and give you theories to explain why he does this or that. But I remember seeing it as a kid and thinking, at least half of this is bullshit. I mean you know the reason he changes his position in the market is because his back starts killing him. It has nothing to do with reason. He literally goes into a spasm, and it’s his early warning sign.

Some would call it intuition, instinct, gut feeling and perhaps these are just ways of describing getting in touch with a deeper, non linear, infinite field of intelligence that all receive but few tune in.

We cannot define infinity and logical thought by definition must be linear.

Final decisions should be rational and should come from our logic… but logic by its nature must be focused on a very narrow path.  This means we need a way to let our intuition tell us when we need to shift the focus of our logic on a new path outside the box.

One way the yatchaks (means to know) of the Andes and wise people everywhere is to look for signs of nature.

One term used for these signs is totems.  For example, my totem is the Heron.

So let’s ask what in the heck do Herons have to do with international investments?

The answer is nothing and yet everything…

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Here is an explanation about totems from Speaker for the Animals:

Heron – Aggressive – Self-Reliance – Self Determination  Heron links two worlds: the waters of life—the Unconscious, and the air—the realm of the conscious mind. He feeds on fishes, which symbolize the treasures of the Unconscious mind: spiritual nourishment for the Seeker. Yet he is also a creature of the Earth, so he is a grounding influence for people who spend too much time in their minds and who are called to ‘fish’ in the waters of the unconscious.

The legs of Heron are long to “stand” the deep waters of the Unconscious: the Waters of Lethe bring sleepiness and unconsciousness if one is not awake, aware and wary. Heron is a solitary fisher; if you call upon Heron to be your own totem, you must be able to stand alone as you seek, for there is no one to call on should you step into too-deep waters.

Heron’s strength for those of us who spend too much time ‘in our minds’ is that he brings one down to Earth. With Heron as your guide, he will bring you to ground to explore life here in the physical instead of just daydreaming or losing oneself in one’s imagination or dreams.

We’re unconventional, hearing our own inner drummer. We don’t worry about ‘keeping up with the Jones’s, doing what others do, believing what others believe, valuing what others value. If there is a weakness, it is that Heron works too hard at its fishing because he is a superb ‘stalker.’ He spends long hours standing and watching for a movement in the water, and needs sometimes to ‘loosen up’ and spend more time playing, courting lady herons or just snoozing in the Sun.

Most people, as Ted Andrews says in his book Animal Speak, would never choose to live this way: “It is not a structured way, and does not have a stability or security to it. It is though, just a matter of perspective. There is security in heron medicine, for it gives the ability to do a variety of tasks. If one way doesn’t work, then another will.”

Solitary in nature, Heron people follow their own path. They learn self-reliance. This is a valuable character trait in these times of conformity and homogenization of values. Heron people can stand alone, listen to their own inner wisdom, and go their own way when everyone else is conforming to society’s commands. In this way, they build their own ways to be as well as choose their own way of doing. They are individuals first.

Herons are active in my life and I have painted one (inspired by Audobon’s Heron) that hangs in the entrance to our house.

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So when the Great Blue Heron that lives on Little Horse Creek flew from our high mountain bog right over this morning, I dug out my copy of Animal Speak.

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I rethought my business and investments in contrast to the symbolism of the heron.  This never happens without my coming up with some worthy thought.  Today it related to a partnership I was looking into.  I reread Solitary in nature, Heron people follow their own path. They learn self-reliance.

This started me rethinking if Merri and I really want a partner. This started me looking at the business in a very different way.

Ecuador shamans and yatchaks use this process extensively and call it shape shifting. They place themselves in the spirit of their totem and this forces them to think about whatever subject they are concerned with in a different way… thinking like a heron or eagle or condor definitely puts you out of the box!

I did not come to any conclusions about my business decisions because I saw a heron.  The fact I saw a heron caused me to sit down and use my logic to rethink my plans in a different way.

Learn more about how to improve your thought process here.

Ecuador Radio and TV

On the subject of Ecuador, a previous message shared news about the Ecuadorian government’s plan to seize a number of radio and TV stations and promised to stay tuned to what happens.  I have asked many of my trusted sources in Ecuador for their opinions which we’ll share in various messages.  Here are two from businessmen in Ecuador.

The first contributor was quite negative when he wrote:  The first thing to take into account is that he is actually proposing control over the press not only within the countries but at a international
level. What he is saying is that countries like Venezuela, Bolivia, Ecuador and others, should create an international committee that will oversee what the media is saying about the governments.

Ecuador is following the Venezuelan model, so if you see that Chávez is pushing for a new legislation that control the media and whatever content they have that may “threaten” the nation security, Ecuador will follow that soon. Below is what Venezuela is doing, they actually want to sensor the information that the media exposes meaning that if who oversees the media thinks that this or that information is “bad” for the country, the media or the anchor will actually face justice and may even go to jail for at least four years. They closed 32 radio stations and 2 tv stations.

Rafael Correa, the President, said that his team was about to revoke some radio frequencies depending on the outcome of a report that his government is finishing. This will mean that whatever happens will be done in the next weeks. Critics claim that this was not done on a technical level but on a political one, opening the door for the government to possibly revoke the frequencies of radio stations or TV stations that oppose the government.   On this matter nothing is sure yet, but Conartel, which oversees the media, actually punished a TV station, Teleamazonas, that opposes the government.  The fines were applied to that TV station one time, by law the second time they must close for about 90 days and the third time they must close forever. They censored the Simpsons also from that TV station and there was a public outcry because Conartel and the government threaten to punish them.  We figure that since he started a new period, things will start to happen in the coming weeks, so far nothing is concrete yet.

He was not totally negative though and added: One thing although is that the government is not talking about taking over TV stations or radio stations, but revoking the frequencies. But take this into account, the government actually took over some private TV stations, they got them as part of a debt that Filanbanco, a bank, had with the government back in the crisis of 1999. This appears to be a separate thing. On the same takeover they got two TV stations plus a newspaper El Telégrafo.

The second contributor feels good about this new and wrote:  Hi Gary,  I have lived here full time for over 9 years and have seen the corruption and I believe that Correa’s intentions are more good than bad. I believe that many things that he does for a good reason while he is working on removing corruption are turned into bad press by the opposition. The same opposition that stole from the people of Ecuador throughout history, and want to regain control and steal from them again. I think that the Wall Street Journal article you wrote about says a lot. It says to me that he is going through the licenses one by one to find out if the licenses were granted illegally through corruption and payoffs. If they were granted legally, no problem…..and if they weren’t we are going to suspend the license and you will have a chance to prove that you obtained it legally.  A year or so ago, two television stations were taken over, with the same uproar in the press. But the truth is that they were taken over because the owners of those two stations were the owners of one of the banks that went under when they took all of the depositors money and went to Miami to live happily ever after. Well, Correa went after their assets ( a first for a president to go after someone like this) and some of those assets were the two tv stations. So we need to look past what the press says as many of them are owned by this type of opposition. I see Correa in a similar boat that President Vicente Fox of Mexico was in a few years ago, when His party was elected after over 100 years of severe corruption by the ruling party and he wanted to remove that corruption. He was also fought along the way by the opposition that wanted the power back to again steal from the people. It is a very difficult job that Correa has ahead of him, and I hope that he can succeed and become possibly the best president that Ecuador has ever had.  Regards.

We’ll be providing a full report on the radio and TV position to our Ecuador Living subscribers

Emerging Markets Update

We’ll share more comments about international investments in Ecuador in upcoming messages… but let’s use our logic here to look some more at international investments in all emerging markets.

One problem many investors have when using non linear approaches to international investments is that they forget the final logical step…. which is to come back and end in the logical mode.

Thinking outside the box does not mean we should just ignore what is in the box. We want to use our logic to reflect on “in-the-box-stuff” in different ways.  If we do not know what’s in the box then we won’t know when we are out of the box.   Boxes exist for a reason.  At times the box.. assuming the box is the norm… but Soros says “is abnormal.”    We need to conclude if the box is normal or abnormal which dictates that we do examine what’s in the box.

Thinking outside the box does not mean we should abandon logic.

So I may sit down and rethink everything… or something I am doing when I see a heron… but I add that to my traditional logical thought.

This is one reason why we regularly review Michael Keppler’s major and emerging market value analysis.  Kepler is a statistical genius and guru…. very institutional… logical mathematical .

What I search for are strokes of intuition supported by such logic.

This morning for example their were three crows grazing our front yard.

Stock market investors sometimes refer to three crows as a pattern of successive declining stock prices over three days often identified by overlapping candlestick patterns. Three crows are often seen as a warning of a period of powerful selling pressure on the stock market.

This does not mean I rushed out and sold all my shares. It does mean I looked at logical data like Keppler’s value analysis to see if the logic supports the intuition.

Here is an excerpt from our last multi currency portfolios update that shows Keppler’s mathematical logic.

Emerging Markets equities recorded their highest ever quarterly return. In the second quarter 2009, the MSCI Emerging Markets Total Return Index gained 34.7 % in US dollars and 27.5 % in euros.

This brings the year-to-date total return of the global Emerging Markets benchmark to 36 % in US dollars and 34.8 % in euros.

All markets covered here were up last quarter. Hungary (+69.7 %), India (+59.8 %) and Turkey (+56.6 %) had the most impressive returns.

Peru (+11.2 %), Israel (+15.8 %) and Morocco (+19.6 %) came in at the bottom of the performance range with what would be very desirable double-digit returns under normal circumstances.

In the second quarter 2009, the Emerging Markets Top Value Model Portfolio, which invests according to the Top Value Strategy and assumes index returns for each national market included in the strategy, gained 45.5 % in US dollars and 37.7 % in euros, outperforming the benchmark by 10.8 percentage points in US dollars and by 10.2  percentage points in euros.

There were two changes in our performance ratings last quarter: Korea was downgraded to “Sell” from “Neutral” and Brazil was upgraded to “Buy” from “Sell”.

The Top Value Model Portfolio now contains the eight “buy” rated markets: Brazil, Egypt, Hungary, Poland, Russia, Taiwan, Thailand and Turkey at equal weights.

It is unusual for a market to rise all the way from sell to buy as Brazil did this quarter. This is in keeping with our thoughts on Brazil Distortion Thoughts published in  April and June.

You can see the password protected pages and full emerging markets update and a warning about these values as a Multi Currency Portfolio subscriber.

Whether you plan to have international investments, an international business or non at all, it will become increasingly  important to think outside the box as change accelerates and new social and economic paradigms are required.  Whether you use backaches, gut feel, hunches, totems or meditation and prayer… new ways to focus your logic an help you have everlasting wealth.

Gary

Combining good international investing with the greatest asset of all, the ability to earn wherever you live, brings everlasting wealth.

This is why we offer our course Tangled Web… How to Have an Internet Business.

A clear mind and healthy body are also a vital assets… plus a second language is a powerful diversification tool.

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

See details of the two seminar below.

international-investments-seminar

Thomas Fischer teaching at our IBEZ seminar.

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

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

Oct. 9-11 IBEZ North Carolina

Here is an email for a recent seminar delegate: Hello Gary and Merri,  I have wanted to write to tell you how much we enjoyed your IBEZ seminar, and to thank you both for inviting us all into your lovely home for lunch last Sunday.  Merri, again, thank you for taking the time to prepare foods especially for me; they were delicious, and I appreciate your effort!  Thank you for a thoroughly enjoyable, very well done, stimulating seminar.  I came away not only with all the notes provided, but also with many ideas which I plan to begin working on now that we are back home.  Wishing you all the best,

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

international-investing

We take delegates on our Ecuador seminars to Otavalo markets.  Many buy enough goods to resell in North America to pay for their entire trip.  Ecuador tiles are one great product attract many international businesses.

Here are comments from one seminar delegate about the followup from our course: Thanks so much.  I have been following the advice in your Multi Currency Course/International Investing monthly and have added selected suggested funds from your lists which are available in my Fidelity IRA.  Even though my transactions are in SMALL amounts for stock and ETFs I am almost back up to the total invested amount prior to the stock market dive of last year.   Your emails have given incentive to keep diversified investments when I know other people are selling out.

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

Oct. 21-24 Ecuador Import Export Tour

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

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

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

See the entire explanation of herons at speakerfortheanimals

Ecuador Diversified


Ecuador is a great place of diversification.

I often get letters from readers like this.

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

My first reply is always “grandchildren!”

Plus there is a limitation. When you become a resident you cannot be out of Ecuador more than  90 days per year during the first two years of your residency.  Merri and I have not been in one place that long for 40 years.

This is our unique quirk.  We are very mobile people… have four homes and move around a lot.

Every person has a unique set of circumstances.  Our relationship with our God, family and purpose in life should be the first determining factors that shape a lifestyle including where we live.

Yet if I did not have grandchildren in the US, I suspect that Merri and I would be living in the same way we do in the Blue Ridge and Ecuador with diversification.

If you have been reading my site for long you may know that since I wrote my first book, Passport to International Profit in the 1970s, my mantra has been to have what I call a “Six Point Command Posture” which is to:

Live in one country
Bank in a second country
Invest in many countries
Earn in two or more countries
Use a company incorporated in a fifth country
Take a second residence

Why diversify and have two places of residence?  The answer is to have options.

Things could go wrong in Ecuador. My impression is that Correa is nowhere as bad as the Western press make him out to be… yet if I am wrong… or some other bad event takes place in Ecuador that makes it unsuitable for us, Merri and I have an option.

I do not want to be stuck with everything invested in Ecuador… or any one place anywhere.

So why be in Ecuador at all?  We love the people… the year round sun… the easy way of life… the access to a holistic natural lifestyle and the low cost of living.

Plus frankly, I am as concerned that things could go wrong in the USA.

There are a number of fundamentals about America that are scary to me.

By now almost any thinking person can see raging inflation looming ahead.  They can see the US dollar falling.  Yet there are many more American problems I keep my eye on… like the loss of our basic rights.  Take for example the rule that the US military cannot operate in police actions on US soil.  This is a good rule… yet look at this.

I don’t have a lot of respect for the daily press. There is too much meaningless, bad news that seems slanted towards helping a few.

For example I have been watching the press building a Swine Flu scare since the beginning of the year.    They are at it right now with… “watch out for swine flu this fall.”   The press, knowingly or not,  is preparing the public to buy into swine flu vaccine.. good for pharmaceuticals… but maybe not so good for the individual.  Whether the press publishes this type of stuff because fear sells papers or for some hidden agenda, I do not know.  I am not a conspiracy theorist… but I do know that history suggest that no republic lasts in a state of harmony for very long.

So I read with great concern an August 8 article in the science section of the New York Times entitled “Climate Change Seen as Threat to U.S. Security”  by John Broder.

Here is an excerpt from the article:  WASHINGTON — The changing global climate will pose profound strategic challenges to the United States in coming decades, raising the prospect of military intervention to deal with the effects of violent storms, drought, mass migration and pandemics, military and intelligence analysts say.

Such climate-induced crises could topple governments, feed terrorist movements or destabilize entire regions, say the analysts, experts at the Pentagon and intelligence agencies who for the first time are taking a serious look at the national security implications of climate change.

Recent war games and intelligence studies conclude that over the next 20 to 30 years, vulnerable regions, particularly sub-Saharan Africa, the Middle East and South and Southeast Asia, will face the prospect of food shortages, water crises and catastrophic flooding driven by climate change that could demand an American humanitarian relief or military response.

An exercise last December at the National Defense University, an educational institute that is overseen by the military, explored the potential impact of a destructive flood in Bangladesh that sent hundreds of thousands of refugees streaming into neighboring India, touching off religious conflict, the spread of contagious diseases and vast damage to infrastructure. “It gets real complicated real quickly,” said Amanda J. Dory, the deputy assistant secretary of defense for strategy, who is working with a Pentagon group assigned to incorporate climate change into national security strategy planning.

But a growing number of policy makers say that the world’s rising temperatures, surging seas and melting glaciers are a direct threat to the national interest.

What concerns me in this article is that it could be a warning shot that more American rights are about to be violated.

The implication is that  anything to do with  climate change could be viewed as a threat to national security and that more normal, democratic rights to … privacy… presumption of innocence… right to an attorney etc.  will be reduced in the name of climatic national security.

I hope I am wrong about this.  If not, is there anything I can do about this?  Not much… but live in a positive way that is as good for as many as is possible. I can do my best to be ethical and prepare, so if living conditions shift badly in the US… there is always Ecuador.  Or vice versa. (See more on ethical investing below).

I doubt things will get so bad in the US that I would not want to live here anymore.

I doubt things will get so bad in Ecuador that I would not want to live there anymore.

If I am wrong, I doubt even more, that things will get so bad in both places that I will not want to live in one or the other of these societies.

Just in case, here is a photo from my passport.  This is the stamp you get when you are allowed to reside permanently in the UK.

I can always live in the UK and from there, anywhere in the European Union.

This also fits into our lifestyle as we have children who live in England and expect to have grandchildren living there some day.

The point is I have options because I am diversified. Yet the options fit my particular lifestyle.

The US is central to all my family.  The US is a country I love and know and as a US citizen have certain rights.

Ecuador is 3 hours and 45 minutes from the US and as mentioned we are fulfilled by being in Ecuador for many reasons.

Ecuador gives us great weather in the winter and we love the people and the place. Ecuador is not a bunghole we have chosen because  we dislike or fear some other place.

I repeat. The six point command posture is to:

Live in one country
Bank in a second country
Invest in many countries
Earn in two or more countries
Use a company incorporated in a fifth country
Take a second residence

Let’s take this one step further. To have a fulfilling six point lifestyle posture:

Live in one country you love.
Bank in a second country you really enjoy.
Invest in many countries you would like to explore or feel good about.
Earn in two or more countries you would like to explore or feel good about.
Use a company incorporated in a fifth country that best fits your circumstances.
Take a second residence in a place where you love and want to be.

We live in a time of incredible opportunity and freedom. There are probably dozens of places where each of us could enjoy living, investing and doing business.  There is no need to look for the one perfect place.  In fact, such a Utopia probably does not exist.

There are however many places like Ecuador where you can enjoy living full or part time and gain lifestyle diversification.

Also do not look for the perfect place to live, or the one and only business to do or the best investment of all forever.   Our circumstances and countries, institutions and relations change.

Diversification gives us a greater ability to change too.

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

This is why we offer our course Tangled Web… How to Have an Internet Business.

A clear mind and healthy body are also a vital assets… plus a second language is a powerful diversification tool.

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

See details of the two courses below.

Here are delegates at a recent international investing course that I co hosted with Jyske Global Asset Management.

This is why I like banking and investing in London and Copenhagen. They are my favorite European cities.   Plus they are safe places to bank and Merri and I can visit our children when we visit our bankers.

bank-privacy

Here I am with Thomas Fischer of  JGAM at the seminar. While other banks are dumping Americans, Jyske is working harder to enhance its global service for US investors.

bank-privacy

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

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

Here’s a comment from a Canadian delegate at our last course:  Gary: First let me thank you for an excellent course. We were so fortunate to get an overview of the currency market and the internet business both delivered in understandable language and with logic to back up the ideas.  Although the banking presentation by Thomas was American oriented we Canadians still got great information and know how to go forward with international banking.

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.

Learn more about the power of ethical investing and business here.

Read the full article New York Times entitled “Climate Change Seen as Threat to U.S. Security