Tag Archive | "internet"

Technology and Dickens


Like something out of a Dickens novel, technology brings the best of times and the worst of times.   For example, America has been the breeding ground, growth place and exporter of some really great innovations such as the internet.   Ironically this really valuable export is threatened by America’s worst export… “extra territorial jurisdiction over financial affairs”.

Those who learn how to spot and embrace change have the best change of gain with extra profit.

internet

The Internet, a great American export threatened by the worst export in the world.

Extraterritorial jurisdiction (ETJ) is defined at Wikipedia (1) as “the legal ability of a government to exercise authority beyond its normal boundaries”.

The definition also says: “for the claim to be effective in the external territory (except by the exercise of force), it must be agreed either with the legal authority in the external territory, or with a legal authority which covers both territories”.

This is a complicated issue because concepts of jurisdiction have not kept pace with technology.  Political borders are often very ancient. Take France as an example. Much of the territory that encompasses today’s France was known to the Romans as Gaul.  Barbarian raids by the Germanic Franks led to Frankish kingdoms for hundreds of years till Charlemagne.  Medieval kingdoms of France emerged after Charlemagne and remained for many centuries until the French Revolution. Then there were republics, empires, the Vichey rule and finally France (the 5th republic) as we know it today.   Wave after wave of technology from Roman roads to German tanks and airplanes challenged France’s jurisdiction.

This is true everywhere and increasing amounts of new technology have increased this type of jurisdictional challenge.  Governments everywhere try to keep pace.  Canada, for example, exercises extra territorial jurisdiction on the International Space Station or when crimes involve nuclear material.  Many governments claim extra territorial jurisdiction relating to terrorism financing.

Some extra territorial jurisdiction can threaten the entire world. 

In France, the Code pénal asserts general jurisdiction over crimes by, or against, the country’s citizens, no matter where they may have occurred.  This is good in many ways. Murder a Frenchman in Australia and the French can charge you.  Australia would probably cooperate because murder is a crime in Australia as well as France.

The potential for complication is shown in a Wall Street Journal article “Internet Censorship à la Mode” (2) that tells how France is trying to block Web searches on computers around the world.

The article says: France’s privacy regulator, known as CNIL, last week fined Google €100,000 ($112,000) for not applying Europe’s “right to be forgotten” across the search engine’s global network of sites.

A European ruling allows people to force search engines and social media sites to remove links to sites that “appear to be inadequate, irrelevant or no longer relevant or excessive”.  Based on this regulation, Google delisted over half a million links from the European versions of its search platform and filters location search results so searches in Europe can’t find delisted links at the American google.com, etc.

However the link would be accessible to someone in the U.S. and France wants a world-wide delisting. The French are trying to compel Google to remove links globally.

The article points out some flaws in this application of the law.  “Not only does this erode freedom of speech in principle, it limits the ability of non-Europeans to vet French prospective business associates or German job applicants.  It also sets a precedent for other regimes to attempt the same censorship.  China could block search results relating to the Tiananmen Square massacre globally.”

This is how a good, old, concept-protection against murder-threatens another good, old, concept- freedom of speech-when applied to new technology.

Regretfully the United States applies extraterritorial jurisdiction to U.S. personal tax laws and this may be America’s worst export.

The beginning of America’s application of  control over financial information is hard to determine.  Perhaps Al Capone’s conviction for tax fraud turned American law enforcement onto following the money.  Another important evolution was one I have been able to follow for over 40 years.  In the 1970s The American Institute for Economic Research (AIER) and American Institute Counselors voluntarily consented to an injunction that stopped them from offering an inflation fighting  program that had been created to take advantage of US tax law.  There was no admission of wrong doing.  AIER and AIC were (and still are) Massachusetts based, non-profit corporations. The consent was made to avoid the tremendous cost of extended litigation.

The injunction stopped an investment program that consisted of charitable donations to AIER and the sale of contracts recommended for purchase by AIC.  This was a complicated investment.  Contracts for gold  related  assets held at Swiss Credit Bank in Zurich were sold by a Liechtenstein corporation and a Swiss corporation that were both wholly owned by a Swiss  charitable  foundation.

The injunction required an audit of financial statements for AIC and AIER and the various European corporations, foundations and trusts.  This is where a problem began as the SEC tried to follow the money.  Swiss law then made it illegal for the bank to release the client information.  The SEC used force rather than agreement to apply extra territorial jurisdiction.  The SEC threatened to confiscate the assets of the Swiss bank in New York if the requested information was not surrendered.

I was around to see this loss of Swiss protection and have watched a continual erosion of privacy since.

Technology continually changes how we work, bank and invest.

New technology, as well as the use of extra territorial jurisdiction, has eroded privacy.  In the 2000s both the largest and second largest Liechtenstein banks had employees who took client data electronically and sold it.  The buyers included foreign tax authorities.  Employees of Swiss banks did likewise copying thousands of files of wealthy clients.  Some simply gave the data away.  Others sold the information.  The end result was private information being in the hands of many tax authorities including German, French, British and the US.

More recently a leak of over 11 million documents at the Panama law firm of Mossack Fonseca exposed hidden financial dealings of hundreds of politicians, public officials, fraudsters, drug traffickers as well as billionaires, celebrities and sports stars around the world.

Since I began traveling, investing, working and living globally in 1968, technology has continually improved productivity, increased freedom and made life easier in many ways.  Today it is easier to invest, do business and live anywhere you choose.   A great deal of this ease is due to US exports of technology.  Microsoft, Apple, Google, Amazon.com all grew from the USA.  The downside is that these valuable resources also reduce our privacy dramatically.

Look for and think about ways new technology can change the world.  Embracing and investing in such change is a great path to profit.

Gary

(1) https://en.wikipedia.org/wiki/Extraterritorial_jurisdiction

(2)  wsj.com Internet censorship a la mode

Look at economic news to spot change.  Look to financial news to invest.

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I am sending this report “How to Grab Sequential Value Profits” to subscribers of the Purposeful investing Course (Pi)  this weekend and want to give you a chance to  save $517.90 if you subscribe to Pi.

The annual fee for Pi is $299.  I have reduced this to $197 in this special offer.  You receive the updated for 2017 $29.95 report “Three Currency Patterns For 50% Profits or More”.  You receive the $39.95 report “Silver Dip 2017”.  You also receive the $49 report “How to Grab Sequential Value Profits” plus our $297 online seminar for total savings of $517.90.

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seminars

Tens of thousands have paid up to $999 to attend.

Improve Safety – Increase Profits

Start this weekend.  Learn how to improve the safety and profit of your savings and investments by selecting diversified, good value investments in a multi-currency portfolio during stock market downturns.  Few decisions are as important to our wealth as the value of the markets and currencies we invest in.

Double Risk

Many investors missing the great long term risk, the falling US dollar.  The greenback has been strong for the past five years, but this is temporary.   The dollar’s strength came after the great recession of 2009 just as there was a temporary dollar strength after the great recession of the 1980s.  In the 1980’s that dollar strength lasted five years.  Then the dollar collapsed over 50% versus major currencies.  Now the greenback is in a similar place.

The strong US dollar and low interest rates created  a bigger than normal stock breakout, but the US market has been in an overall bear trend since 2000.  Now both, the market and the greenback are scheduled to fall.

This year I celebrate my 51st anniversary in the investing business and 49th year of writing about global investing.  Our reports and seminars have helped readers have better lives, with less stress yet make fortunes during up and down markets for decades.  This information is invaluable to investors large and small because even small amounts can easily be invested in the good value shares we cover in our seminar.

Stock and currency markets are cyclical.  These cycles create extra profit for value investors who invest when everyone else has the markets wrong.  One special seminar session looks at how to spot value from cycles.  Stocks rise from the cycle of war, productivity and demographics.  Cycles create recurring profits.  Economies and stock markets cycle up and down around every 15 to 20 years as shown in this graph.

stock-Charts

The effect of war cycles on the US Stock Market since 1906.

Bull and bear cycles are based on cycles of human interaction, war, technology and productivity.  Economic downturns can create war.

Here is the war stock cycle.  Military struggles (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.  The military technology shifts to domestic use.  A boom is created that leads to excess.  Excess leads to correction. Correction creates an economic downturn and again to war.

Details in the online seminar include:

* How to easily buy global currencies, shares and bonds.

* Trading down and the benefits of investing in real estate in Small Town USA.  We will share why this breakout value is special and why we have been recommending good value real estate in this area since 2009.

* What’s up with gold and silver?  One session looks at my current position on gold and silver and asset protection.  We review the state of the precious metal markets and potential problems ahead for US dollars.  Learn how low interest rates eliminate  opportunity costs of diversification in precious metals and foreign currencies.

* How to improve safety and increase profit with leverage and staying power.  The seminar reveals Warren Buffett’s value investing strategy from research published at Yale University’s website.  This research shows that the stocks Buffet chooses are safe (with low beta and low volatility), cheap (value stocks with low price-to-book ratios), and high quality (stocks of companies that are profitable, stable, growing, and with high payout ratios). His big, extra profits come from leverage and staying power.  At times Buffet’s portfolio, as all value portfolios, has fallen, but he has been willing and able to wait long periods for the value to reveal itself and prices to recover.

keppler asset management chart

This chart based on a 45 year portfolio study shows that holding a diversified good value portfolio (based on a  good value strategy) for 13 month’s time, increases the probability of out performance to 70%.  However those who can hold the portfolio for five years gain a 88% probability of beating the bellwether in the market and after ten years the probability increases to 97.5%.

Time is your friend when you use a good value strategy.  The longer you can hold onto a well balanced good value portfolio, the better the odds of outstanding success.

Learn how much leverage to use.  Leverage is like medicine, the key is dose.  The best ratio is normally 1.6 to 1.  We’ll sum up the strategy; how to leverage cheap, safe, quality stocks and for what period of time based on the times and each individual’s circumstances.

Learn to plan in a way so you never run out of money.  The seminar also has a session on the importance of having and sticking to a plan.  See how success is dependent on conviction, wherewithal, and skill to operate with leverage and significant risk.  Learn a three point strategy based on my 50 years of investing experience combined with wisdom gained from some of the world’s best investment managers and economic mathematical scientists.

Enjoy investing more with slow, worry free, good value investing.  Stress, worry and fear are three of an investor’s worst enemies.  These are major foundations of the Behavior Gap, a trait exhibited by most investors, that causes them to under perform any market they choose.  The behavior gap is created by natural human responses to fear.  The losses created by this gap grow when investors trade short term, under stress.

Learn how to put meaning into your investing by creating profitable strategies that combine good value investments with unique, personal goals.

Learn what I am doing with my good value portfolio.  My personal investment portfolio comes from a continual analysis of international stock markets and a comparison of their value based on current book to price, cash flow to price, earnings to price, average dividend yield, return on equity and cash flow return.

We’ll update the good  value markets for the beginning of 2017 next week, but the markets included in this 2016 portfolio are:

Norway
Australia
Hong Kong
Germany
Japan
Singapore
United Kingdom
Taiwan
South Korea
China

These markets have been chosen based on four pillars of valuation.

• Absolute Valuation
• Relative Valuation
• Current versus Historic Valuation
• Current Relative versus Relative Historic Valuation

The online seminar also reveals how to use Country ETFs to easily construct a diversified, risk-controlled, equally weighted representative country portfolios in all of these good value countries.

To achieve this goal my portfolio consists of Country Index ETFs that track an index of shares in a specific country.  These country ETFs provide diversification into a basket of equities in the good value countries.  The expense ratios for most ETFs are lower than those of the average mutual fund as well so such ETFs provide diversification and cost efficiency.

This is an easy, simple and effective approach to zeroing in on value because little management and guesswork is required.

The seminar also discloses the results of a $80,000 share purchase cost test that found the least expensive way to invest in good value.  The keys to this portfolio are good value, low cost, minimal fuss and bother.  Plus a great savings of time.  Trading is minimal, usually not more than one or two shares are bought or sold in a year.  I wanted to find the very least expensive way to create and hold this portfolio so I performed a test.

The Test for Low Cost Trading

Research put every part of this portfolio in place, except knowing the best, easiest and least expensive way to buy.  A search for an optimal way to buy and hold boiled down to two methods.  One tactic to test was to use a unique online broker that appeared to offer the lowest cost deal.  The other approach was to use a community bank in Smalltown USA.  The small town bank that I use looks after my 401K trust account and the service is first class.  The benefit of small banks is that they still treat us as a human beings (instead of a number) and when we need, it’s easy to go right to the top to answer a question or get a problem resolved.  There are no call centers and the bank and the person looking after my account is just around the corner.

I created a test to see which offered the least expensive service.

Working with my banker in Smalltown USA,  I created two accounts, one at the online broker and the other at the bank. I placed $40,000 in each.

I set up the order for the country ETFs online, while my trust manager set up orders for the identical amounts of the same shares in his system.  Then we got on the phone, coordinated our timing and on a count of three each pushed the button “BUY”.

I share the results of this test in the seminar.  The savings that can be gained on any purchase of country ETFs has the potential to be more than the cost of the seminar.

gary-scott-seminar

I have good news about the cost of the seminar as well.   For almost three decades the seminar fee has been $799 for one or $999 for a couple. Tens of thousands paid this price.

In this special offer, you can get this online seminar FREE when you subscribe to our Personal investing Course.

The Purposeful investing Course (Pi) teaches exactly what to do in situations such as we are seeing in global stock markets now.   This course is based on my 50 years of investing experience combined with wisdom gained from some of the world’s best investment managers and economic mathematical scientists.

Enjoy Repeated Wealth

Pi’s mission is to make it easy for anyone to have a strategy and tactics that turn market turmoil into extra profit.

Pi reveals investing secrets and the sciences that make investing easy, safer, less time consuming and increases the chances of profit.

One secret is to invest with a purpose beyond the cash.  Another tactic is to have staying power.  This means not being caught short and having to sell during a period of loss.  This also means having enough faith in a strategy that we stick to the plan.  When we invest with purpose, doing what we love, and when we believe in the basic mathematics of value, we enjoy the process more and are more likely to hold on during down times, when most poor investors panic and sell.

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.

A country ETF provides diversification and cost efficiency by spreading one simple, even small investment into a basket of equities in a good value stock market.  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 have 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 you’ll receive the report, “Three Currency Patterns For 50% Profits or More” FREE when you subscribe to Pi.

Plus get the $39.95 report “The Silver Dip 2017” free.

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

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

I prepared a special report “Silver Dip 2017” about a new leveraged speculation 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 2016.

Subscribers who acted on the report when it was originally issued  picked up a fast 54.1% profit.  The report updates what to do in 2017.

Save $517.90 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 $39.95 report “Silver Dip 2016”, the $49 report “How to Grab Sequential Value Profits”  and our latest $297 online seminar for a total savings of $517.90.

ecuador-seminar

Triple Guarantee

Enroll in Pi.  Get the first monthly issue of Pi and the three reports Value Investing Seminar 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 and 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.

Gary

 

 

What Should I Sell in my Online Business?


Why not add an online business?

That was my thought in 1997 when I met with David Cross in Copenhagen.

Our website originally was expected to be an extension of our print publishing business.

Little did I know then that it would become the entire business.

David was a meditation teacher in Edinburgh, Scotland who taught our son, Jake, the art of meditating when Jake was at university there.  We first met David in Edinburgh, and after talking he ordered our “Self Fulfilled – How to be a Self Publisher” course then in print… (now online).  He studied this and published his own report.   One reader of the report had a new internet server business and was so impressed that he hired David to work for him in Sweden.  In the process of rising to become the managing director of that firm… David started our website (and is still our webmaster as well as business partner now).  During one business meeting in London, David met our daughter Cinda. ‘Love at First Sight.”

self-publishing

David Cross and Dr. Cinda Scott-Cross (DVM).

David also met executives of International Living and went on to become Chief Internet Consultant for Agora Inc. one of the largest online marketing companies in the world.

David has since built an unparalleled, hands-on marketing experience that spans 25 years in 22 countries for companies and charities large and small. He’s guided many businesses and individuals to success in their business and helped them achieve their marketing goals, both online and offline.

As Senior Internet Consultant to Agora Inc. in Baltimore, MD, David worked closely with Agora’s publishers and marketers and over an 8-year period and helped to propel Agora’s online revenues to over $300 Million in 2009.

Myles Norin, the CEO of Agoras wrote: “I have found David’s knowledge and experience unmatched in the industry. Without David’s expertise and guidance for the past 7 years, we would not be nearly as successful as we are.”

David hails from England and now lives on a small farm close to Mount Hood in Oregon with our daughter, a veterinarian, their five children and a menagerie of animals. When not marketing or brainstorming you’ll find David following a dream of self-sufficiency for food, power and water within 10 years, tending the land and caring for the farm and animals.  David is also an engaging and knowledgeable speaker with many amusing anecdotes from his work and travels over the years.

Not surprisingly, our efforts with David have intensified over the years so he is developing an updated internet business course for readers (to launch this spring). Here is his newest report.

What Should I Sell in my Online Business?

By David Cross

One of the shortest legitimate routes to increase your income is to start your own business and in my opinion, an Internet-based business is a great way to do that. You can start an Internet-based business anytime, anywhere and with very little up-front risk or investment. But knowing how to get started can seem confusing – even overwhelming – and this feeling alone may be enough to put you off even starting. At this stage many people put their ideas back on their mental shelf and continue with their life as it was before the idea to start a business first popped into their head.

I am currently working on a new course that we will publish this spring. This is a practical, hands-on guide and series of lessons to help you create your own online business in 1 month (in reality you could start it all in 1 week). The course guides you through all you need to get started including marketing your product or idea, setting up your website, shopping cart and payment processing, social media…everything you need. In fact I’ve designed it to be almost as good as having me sat at your side to guide you through everything.

One of the most common questions I am asked about starting an online business is, “Yes, but what would I sell?” You may have given some thought to this question and decided to look for a company with products that you can sell at a commission through an affiliate program or as part of an multilevel marketing system. That is definitely one way to get started or to add additional products to your inventory of things to sell.

When starting a business (online of offline) and looking for the type of product or service to sell, people often look in a new area…something that appears interesting or cool. It may be something you’ve always wanted to try your hand at or it could be a hobby you are enthusiastic about. It may be something you’ve seen others succeed at or a dream you’ve always had. For example, you may love great food and have a burning desire to open a restaurant serving that type of food.

One Step at a Time

Although many people look to start a business in a completely new area, you will generally have a faster track to success in your new business doing something that you already know about and ideally, the business you start should be no more than 1 step removed from what you already know.

Let’s assume you are a small business accountant. You help businesses prepare their taxes and you advise and counsel them on ways to maximize profits and reduce their tax liabilities. You notice that you have a lot of clients who run restaurants. As you are an enthusiastic cook and have a good palate for fine food and wine, when deciding what business to start you may find yourself contemplating starting a restaurant. After all, you’re a good cook and you’ve many clients in the restaurant business already so, why not you? But your experience is not in running a restaurant and it’s quite a stretch from advising restaurant owners on how best to structure their taxes to actually running a restaurant yourself.

If you instead decided to publish a guide for restaurateurs on tax saving tips then you’d be focusing within a proven niche. You could then expand this series into small business tax guides for other types of businesses – hair salons, health clinics, car mechanics and printers…all local businesses and all wanting to find ways to reduce their tax liabilities.

But suppose you think that you have no area of expertise? People often say they have no specialist skill, maybe they’ve worked for 25 years in the same business or have raised a family and say, “Who’d buy that?!” You gain a lot of skills in 25 years of any job and if you’ve successfully raised a family you’ve years of skills of balancing many plates on many sticks. There are many young parents who would love to benefit from your experience.

And in addition to the time spent working and raising your family, what hobbies do you have where you have gained specialist skills? Are you a good gardener? Are you artistic? Do you have particularly good handwriting? Is that a skill you could pass on? Would someone pay you for that knowledge? Heck, I’ve always wished I had remotely legible handwriting, let alone “good” handwriting! (my wife to this day loves the little notes and letters I give here and still says, “What does that word say?!”)

The skills and unique knowledge you have to share need only to be connected to people who have a need and you can sell the knowledge and skills you already possess. It’s marketing that connects buyers with needs to sellers with a way of fulfilling that need.

Narrowing it Down

To help narrow-down what you could sell online, start a list of things you are good at, skills you have, hobbies, interests you have, jobs or career paths you’ve pursued and any ideas you may have for a business – even if it’s not in one of these areas. My list off the top of my head may look something like this:

  • Chef/Cooking
  • Marketing
  • Self-sufficiency/small-scale organic farming
  • Global traveler
  • Voiceover
  • Meditation Teacher
  • Public Relations
  • Fundraising
  • Public Speaking
  • Internet business
  • Open a restaurant
  • Start a rock band
  • Podcast
  • TV show host

Your list may contain some or none of these items but make your list and then add a second column, which we’ll call “Rating”. Into this rate on a scale of 1-10 your level of expertise in each area. Add a third column called “Valuable?” and rate whether that skill is valuable…something someone would buy. In this case “Skill” also means knowledge and career experience. Remember that if someone has a need for that skill, knowledge or information and if it can help save them time, make money or improve their life then you can note down its value in the Valuable column.

Add two more columns; “Hobby” and “Fantasy”. Is this a hobby – something you love doing even if you’ve never made any money from it and the final column, “Fantasy”. This is a check for dreaming versus doing. For example in my list I’ve got “Start a rock band”. Whenever we sit down with friends for pizza and beer we’ll always delve into our extensive music collection, play our favorite songs and then come up with band names and sketch our world tours. It’s fun, but ultimately it’s really a mental fantasy. I love music but realistically I’m probably best off not starting a rock band. I am going to add “Open a restaurant” into the “Fantasy” column, too. This is not designed to quash your dreams, simply help hone what has a real possibility of becoming a business for you versus something you love playing at. (I imagine if Gary Scott drew up this list he’d put playing the flute and painting into the “Fantasy” column).

You will end up with a list something like this:

skills-list

I used a spreadsheet for this but a napkin works fine. Spend more time on getting the ideas down rather than worrying about how it looks. I’ve sorted my list so that the areas in which I am most skilled, valuable, non-fantasy items are at the top. The ones at the top in which you are most skilled, that are valuable and aren’t a pure hobby/fantasy are the areas that may be good to start developing your business in.

Your list will differ. And what I may put in my hobby/fantasy column you may put in your top skill level and with a high Valuable rating. Your list will differ and you will be able to rate your skills and ability to profit Also a note about hobbies. It’s possible that you’ve a high skill level in one of your hobbies and that could be profitable for you. And if you are an accomplished artist with a bluegrass band please don’t think the idea of this list is to poo-poo artist pursuits; it’s not. The idea of this list is to help you home-in on the skills, knowledge and experience you have that you could market.

Save your list. In the next article we’ll discuss more about what to do with this list to take the next step in profiting from your knowledge, skills and experience. One way to profit from your unique skillset is through writing about it and self-publishing. Here, Gary shares with us details of a forthcoming course this summer…

Micro Business Power on the Net


There is micro business power in narrowband on the net.

ecuador-flowers

This is the last day left to order Ecuador valentine’s Roses.

There is such power in broadband that we are seeing events taking place right now… that will dramatically change our lives… and could bring an era of incredible peace… or war. I am still trying to absorb the big picture, but whatever comes… expect some really big change due to events in the Middle East.

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Photo from Times article below about Tunisa demonstrations for democracy.

One lesson we can gain from… for sure… is about the power of broadband and how we can convert this to narrowband for profit.

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High tech revolution… mostly.  Photo from Times article below about Tunisa demonstrations for democracy.

Let’s look at the evolution of revolution in a phrase.

“Storm the Bastille”

“Grab the radio station”

“Take over the TV”

“Shut down the cell phone system and the Internet.”

That’s the evolution of power.

When the French stormed the Bastille, a medieval fortress and prison in Paris on the night of July 14, 1789 they symbolized the power of the middle class. This fortress represented Royal authority in Paris and its fall was the flashpoint of the French Revolution, and became an icon of the French Republic and began the shift of authority to the common man.

Since that time… slowly slowly democracy has continued to spread.

The lesson we can benefit from is how the masses have used technology to exert its authority…  from ladders to breach a fortress… shifting to broadcast and the radio… then TV and now democracy has a new weapon… broadband.

We can use this potent political instrument in our micro business as well.

A Times magazine article last week entitled “Tunisia’s Nervous Neighbors Watch the Jasmine Revolution” by Vivienne Walt reviewed the importance of the Internet and Mideast revolutions that began in Tunisia when it said (Bolds are mine):  No bomb exploded announcing the start of the Jasmine Revolution, and in the end, there was no iconic figure — no Nelson Mandela or Vaclav Havel — to declare its stunning victory. Instead, the fuse for the Arab world’s first successful popular uprising was lit when a small-town Tunisian policewoman slapped a fruit seller.

The four-week revolt leaped from town to town until it engulfed Tunis. El Général’s song “Rais Elbled” (“President of the Republic”) became the protesters’ anthem, with thousands in the streets belting out its angry lyrics: “Mr. President, your people are dying.” The Jasmine Revolution, named for the national flower, needed no leaders to rally the protesters or organize the demonstrations. Instead, the revolt was refueled by a steady stream of anonymous text messages, Twitter and Facebook updates. Documents posted on WikiLeaks, in which U.S. diplomats cataloged the corruption at the highest levels of government, deepened the rage. Mobile-phone videos posted online documented the government’s brutal response, including the police beatings and the shooting of some of the 100 or so protesters who died.

Whatever happens next, Tunisia is already the stuff of history. Revolution is rare in the Arab world, which has for the most part remained untouched by democratic movements and economic change.

The Jasmine Revolution unfolded on live television before an Arab audience — THANK YOU AL-JAZEERA, read one banner at one demonstration — that could hardly have failed to grasp its significance. Bouazizi’s martyrdom inspired several copycat immolations in Algeria and at least one each in Mauritania and Egypt. In Algeria, where protests by jobless youths predated those in Tunisia, there were attempts to replicate the Jasmine Revolution’s use of social networks and YouTube.

Arab commentators wondered which tyrant might follow Ben Ali into exile in Saudi Arabia: Libya’s Muammar Gaddafi? Egypt’s Hosni Mubarak?

Even before I could get this message written Mubarak in Eygpt had agreed not to rerun as President and Jordan’s king Abdullah on Tuesday, February 1, dismissed his government and appointed Maarouf Al Bakhit, an ex-army general head the country’s new government.

By the time you read this… more governments may have fallen in the Middle East… all removed by the power of the internet and cell phones!

Egypt tried to stop the power of the internet.  A New York Times article on the subject stated:   Internet and cellphone connections have been closed or restricted in Cairo, Alexandria and other places, cutting off social media Web sites that had been used to organize protests and complicating efforts by news media to report on events on the ground. Riot police took to the streets of Cairo before the Friday noon prayers that in many parts of the Islamic world have been a prelude to unrest as worshippers pour onto the streets.

The protests have underscored the blistering pace of events that have transformed the Arab world, particularly among regimes that have traditionally enjoyed the support of successive administrations in Washington.

The police presence in Alexandria on the Mediterranean coast was strongest in the center of the city. At the Sidi Bishir mosque outside the center of town, a dozen men wore Egyptian flags wrapped around their shoulders. With cellphone and Internet connections down, activists across the city tried to determine the extent of arrests overnight by security officials.

Organisations that track global internet access detected a collapse in traffic in to and out of Egypt at around 10.30GMT on Thursday night.

The shut down involved the withdrawal of more than 3,500 Border Gateway Protocol (BGP) routes by Egyptian ISPs, according to Renesys, a networking firm. Only one ISP out of 10, Noor Data Networks, appeared largely unaffected. It connects to the outside world via an undersea cable operated by Telecom Italia.

According to BGPMon, another networking firm, 88 per cent of Egyptian internet access was successfully shut down, however.

Renesys speculated that the apparent anomaly of Noor Data Networks may be a result of the fact it provides services to the Egyptian stock exchange.

BGP routes are one of the most vital parts of the internet. They most used by ISPs so their networks can exchange information about how to best route the packets of data that make up all internet communications.

Modern technology and broadband gives power to the little guy.

This is helping the cause of democracy in the Middle East.

We can use the same power in our micro business.

A reader recently wrote:  Good morning, Gary:  If you haven’t already, you need to read “The Long Tail: Why the Future of Business is Selling Less of More” by Chris Anderson. It explains and applies the principle you mentioned in today’s Ecuador report, to internet applications. It is why Wikipedia has more data with better accuracy than the Encyclopedia Britannica.  I thoroughly enjoy your reports and look forward to personally investigating Ecuador and other South American refuges.

I replied:  Thanks.  Yes, I love this book and first wrote about it back in 2007. Take a look in our archives as I wrote back then:

This is the era when small is big. Chris Anderson describes this in his book “The Long Tail: Why the Future of Business is Selling Less of More”.

The last marketing era was dominated by broadcast. This was a distribution system where it was most efficient to send one message to millions of people.

The internet has introduced the era of broadband where it is most efficient to send millions of messages to one person each. This plays exactly into the hands of the small self publishing business because it allows you to earn from many small niche products where no big corporation can afford to compete.

For example at one of my websites alone that focuses on multi currency investing has 21 earning sources.

All of the sources are small, some as little as a few hundred dollars a month. Yet added up so far this year (in the first 10 months) that one website has earned $159,090 from orders that came direct off the internet. That’s better than an extra $15,000 a month of income…enough to buy quite a few groceries despite inflation.

Back in the 2000s, this idea of broadband helped form one of my business goals… to understand the ramifications of the shift from broadcast to broadband.

Through this search we have learned a lot about how to build a micro business.   Our thinking has evolved into a new business model that we call… narrowband.

Narrowband uses SPecific phrases to attract potential customers with SPecific needs and then develops an intimate relation with that customer via SPecific solutions.

Learn more about the rise of the SPecific man… and or woman and SPecific business here.

Whatever this sudden change in the Middle East brings… good and bad… one thing is clear…  technology… the internet… cellphone… social networking and broadband have changed politics forever… and business as well.

Knowing this can help you gain security and extra income with your own micro business that uses the power of the net.

Gary

Learn about how to use narrowband in business and investing at our upcoming International Investing and Business Conference February 11, 12, 13 in Mt. Dora, Fl.

Read the Times article Tunisia’s Nervous Neighbors Watch the Jasmine Revolution

Small Green Internet Business


Here is why a small green internet business can be so valuable.

Imagine having a hobby… that you enjoyed… was a lot of fun and that always paid for your cost of living and lifestyle.

Wouldn’t that be worth pursuing?

ecuador-internet-business

Does this look like work?  Delegates on a our Ecuador tour.  In a moment we’ll see a link to Ecuador business ideas.

Having your own small business for extra income is more important now than ever before.

Over the past decade, this site has regularly recommended that one of the best ways to create wealth is…  having your own business.

This idea makes sense!  Government spending almost assures inflation.  Inflation hurts those on fixed incomes, new entrants in the job market and salaried workers the most.   Business however always adjust for inflation…. so your own business protects your spending power.

The excerpts below from a March 2010 Atlantic Magazine article “How a New Jobless Era Will Transform America” By Don Peck shows the concern:  The Great Recession may be over, but this era of high joblessness is probably just beginning. Before it ends, it will likely change the life course and character of a generation of young adults. It will leave an indelible imprint on many blue-collar men. It could cripple marriage as an institution in many communities. It may already be plunging many inner cities into a despair not seen for decades. Ultimately, it is likely to warp our politics, our culture, and the character of our society for years to come.

How should we characterize the economic period we have now entered? After nearly two brutal years, the Great Recession appears to be over, at least technically. Yet a return to normalcy seems far off. By some measures, each recession since the 1980s has retreated more slowly than the one before it. In one sense, we never fully recovered from the last one, in 2001: the share of the civilian population with a job never returned to its previous peak before this downturn began, and incomes were stagnant throughout the decade. Still, the weakness that lingered through much of the 2000s shouldn’t be confused with the trauma of the past two years, a trauma that will remain heavy for quite some time.

The unemployment rate hit 10 percent in October, and there are good reasons to believe that by 2011, 2012, even 2014, it will have declined only a little. Late last year, the average duration of unemployment surpassed six months, the first time that has happened since 1948, when the Bureau of Labor Statistics began tracking that number. As of this writing, for every open job in the U.S., six people are actively looking for work.

All of these figures understate the magnitude of the jobs crisis. The broadest measure of unemployment and underemployment (which includes people who want to work but have stopped actively searching for a job, along with those who want full-time jobs but can find only part-time work) reached 17.4 percent in October, which appears to be the highest figure since the 1930s. And for large swaths of society—young adults, men, minorities—that figure was much higher (among teenagers, for instance, even the narrowest measure of unemployment stood at roughly 27 percent). One recent survey showed that 44 percent of families had experienced a job loss, a reduction in hours, or a pay cut in the past year.

The Long Road Ahead

Since last spring, when fears of economic apocalypse began to ebb, we’ve been treated to an alphabet soup of predictions about the recovery. Various economists have suggested that it might look like a V (a strong and rapid rebound), a U (slower), a W (reflecting the possibility of a double-dip recession), or, most alarming, an L (no recovery in demand or jobs for years: a lost decade). This summer, with all the good letters already taken, the former labor secretary Robert Reich wrote on his blog that the recovery might actually be shaped like an X (the imagery is elusive, but Reich’s argument was that there can be no recovery until we find an entirely new model of economic growth).

Historically, financial crises have spawned long periods of economic malaise, and this crisis, so far, has been true to form. Despite the bailouts, many banks’ balance sheets remain weak; more than 140 banks failed in 2009. As a result, banks have kept lending standards tight, frustrating the efforts of small businesses—which have accounted for almost half of all job losses—to invest or rehire. Exports seem unlikely to provide much of a boost; although China, India, Brazil, and some other emerging markets are growing quickly again, Europe and Japan—both major markets for U.S. exports—remain weak. And in any case, exports make up only about 13 percent of total U.S. production; even if they were to grow quickly, the impact would be muted.

Most recessions end when people start spending again, but for the foreseeable future, U.S. consumer demand is unlikely to propel strong economic growth. As of November, one in seven mortgages was delinquent, up from one in 10 a year earlier. As many as one in four houses may now be underwater, and the ratio of household debt to GDP, about 65 percent in the mid-1990s, is roughly 100 percent today. It is not merely animal spirits that are keeping people from spending freely (though those spirits are dour). Heavy debt and large losses of wealth have forced spending onto a lower path.

So what is the engine that will pull the U.S. back onto a strong growth path? That turns out to be a hard question. The New York Times columnist Paul Krugman, who fears a lost decade, said in a lecture at the London School of Economics last summer that he has “no idea” how the economy could quickly return to strong, sustainable growth. Mark Zandi, the chief economist at Moody’s Economy.com, told the Associated Press last fall, “I think the unemployment rate will be permanently higher, or at least higher for the foreseeable future. The collective psyche has changed as a result of what we’ve been through. And we’re going to be different as a result.”

One big reason that the economy stabilized last summer and fall is the stimulus; the Congressional Budget Office estimates that without the stimulus, growth would have been anywhere from

The economy now sits in a hole more than 10 million jobs deep—that’s the number required to get back to 5 percent unemployment, the rate we had before the recession started, and one that’s been more or less typical for a generation. And because the population is growing and new people are continually coming onto the job market, we need to produce roughly 1.5 million new jobs a year—about 125,000 a month—just to keep from sinking deeper.

And even within industries that are likely to bounce back smartly, temporary layoffs have generally given way to the permanent elimination of jobs, the result of workplace restructuring. Manufacturing jobs have of course been moving overseas for decades, and still are; but recently, the outsourcing of much white-collar work has become possible. Companies that have cut domestic payrolls to the bone in this recession may choose to rebuild them in Shanghai, Guangzhou, or Bangalore, accelerating off-shoring decisions that otherwise might have occurred over many years.

New jobs will come open in the U.S. But many will have different skill requirements than the old ones. “In a sense,” says Gary Burtless, a labor economist at the Brookings Institution, “every time someone’s laid off now, they need to start all over. They don’t even know what industry they’ll be in next.”

“We haven’t seen anything like this before: a really deep recession combined with a really extended period, maybe as much as eight years, all told, of highly elevated unemployment,” Shierholz told me. “We’re about to see a big national experiment on stress.”

Those of us who start and own small businesses do not have to join the stress.

The changes that brought on the recession and unemployment also created opportunity for those who embrace change and innovate.

The Atlantic article also said:  Ultimately, innovation is what allows an economy to grow quickly and create new jobs as old ones obsolesce and disappear. Typically, one salutary side effect of recessions is that they eventually spur booms in innovation. Some laid-off employees become entrepreneurs, working on ideas that have been ignored by corporate bureaucracies, while sclerotic firms in declining industries fail, making way for nimbler enterprises.

In with the new… small… fun… innovative businesses. Out with the old… big…complicated, stressful work.

Here are three tips for success with your own small business.

Tip #1:  Live beneath your means. Start small… build upon existing skills and grow in relationship to your situation.

Small beginnings are nature’s way. Most businesses start with a learning curve. During the beginning and in the initial learning period, it is essential to remain small as you err. Once lessons have been learned, the business can grow using business evolutionary cycle.

The small business evolutionary cycle is:

#1: Get an idea

#2; The idea leads to enthusiasm.

#3: The enthusiasm leads to education.

#4: The education leads to action.

#5: The action leads to profit or loss but also more ideas.

The cycle repeats and this is the way that businesses should grow.

This is why one of the favorite workshops I teach is “Early Wealth” for kids. This is sometimes conducted before other adult courses and sometimes presented to groups of school kids.

They love it and soak up the information on how to attain wealth.

The course begins by showing a dollar bill and a candy bar and letting the kids choose which they would prefer. Some choose the candy, others cash. But twenty-six more dollar bills are taped to the first and they then unfold. Now the kids see twenty-seven dollar bills dangling before them and they are asked to choose again. Kids are not stupid. They take the twenty-seven bucks and in the process learn the power of compounded interest.

If they take a dollar and put it in the bank, even at a low interest rate it grows to twenty-seven by the time they reach age 65.

Many of the parents at this workshop tell me they wish they had had this when they were younger as I point out the importance of starting early.

This chart shows that a person who saves $4,000 a year for ten years ($40,000 total) from age 19 to 29 and leaves it earning 8% per annum compounded will have $1,097,285 at age 65. This is compared to a person who saves $4,000 a year ever year from age 29 to 65 ($148,000 total) has only $877,264.

Then we have the banker’s race. Two children are selected, one a large boy, the other a small girl. They race as they drag a fifty pound bucket of mud. Each selects five bankers. The difference is the girl has been good and saved money so her five bankers help her pull the bucket. The boy, who has been bad and borrowed money has to drag the bucket and his five bankers. You can guess who wins the race.

These lessons  are based on the expectation that a social code will be adhered to… that rewards capital.  Those who are frugal, save and invest will enjoy greater financial security then those who just spend.

Tip #2: Expect inflation. Save and invest in a business…. your own or someone’s else’s… not cash.

Government’s globally now and throughout history have tended to cheat on this economic honor system… as they are doing so badly now.

For example, the US government… already deeply and growing deeper in debt has initiated a new program to help American borrowers who have been clobbered by falling home prices, the government has created a new plan to help those who own property that is worth less than its mortgage.   The plan has several strategies including requiring mortgage servicers to consider cutting a loan’s principal if it is up to 15% more than the home is worth.

Because additional debt is most likely to deteriorate the value of the dollar, those who lived above their means… or speculated on real estate or bought real estate they really could not afford are being rewarded.  So too are banks who did not vet their borrowers carefully enough.

The government’s explanation for this additional spending is that the cost to taxpayers is less than the cost of not doing something.

Yet the simple reality is that these rewards are at the expense of those who have saves and lives beneath their means. Those who will be punished most are those with fixed incomes and cash.

This is not just a US phenomenon either.  Governments are going deeper into debt everywhere… spending money that does not create goods.

Warren Buffet recently commented on this when he purchased a railroad for $27 billion.  He said: Cash is always a bad investment. When people said cash is king a year ago, that [was] crazy. Cash wasn’t producing anything, and it was sure to go down in value over time. And then you always want to be sure you have enough. It’s like—like oxygen—you want to be sure it’s around, you know. But you don’t need to have excessive amounts of it around. We will always have enough cash around. But anytime we have surplus cash around, I’m unhappy. And we found a chance in the last year, thereabouts, to deploy [it]. We came in with something over $40 billion in cash. We have got about $20 billion now, and we’ve had some earnings. So, we’ve put a lot of cash to work. And I like that. I’d much rather own a good business than have cash. . . . [BNSF] is not a bargain, but it’s a good asset for Berkshire to own over the next century.

You can say all assets are a hedge against the dollar. All you know is that the dollar is going to be worth less 10, 20, 30 years from now. I say “worth less.” Not worthless. You want to watch that. [It’s] true of almost every currency I can think of.  The question is how much it depreciates in value. But cash is not a place. We’ll print more of [it] in relation to the amount of goods that are moving. If we dropped a million dollars of cash into every household in the United States today, everybody would feel very good except the people that invested in things that were denominated in dollars.”

Yet most of us don’t have an extra $27 billion lying around.  In fact many of us may not have enough cash to convert into inflation fighting assets.  Instead we need more income.

These facts alter the way we must live and invest… with a shift towards holding inflation fighting assets… like a small business.

Fortunately science and technology has truly set us free.  An internet business can help us earn income.

Golden Income.

Plus isn’t the goal here to enjoy life… without living beyond our means?

An internet business can help us turn our passion into profit and earn income in enjoyable ways.

.internet-business

For example I love to write.  My internet business allows me to do so in places I want to be.

Here I am with our hound working at our Florida home.

Technology has destroyed the limitations imposed by time and space and an internet business gives us freedom to earn and be mobile. We no longer have to be stuck in one place.

I can sit in my office in North Carolina and work.

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with this view. (You can see that my hound dog wants me to hurry up and get out on the mountain!)

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Or hike into our Blue Ridge forest and work.

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You can see that now she is happier!

Or visit Ecuador’s beaches and work.

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Tip #3: Look for and solve problems that are important to you.

For example if environmental problems are important to you,  think about sustainable farming.   America only has two million farmers.  Their average age is 55.  Sustainable farming needs small-scale, local, organic methods rather than petroleum-based machines and fertilizers.

There is a dramatic demand for more small sustainable… small  modern farmers… small business people who become skilled in heirloom produce and new ways of marketing.

This is one reasons why I have been posting messages about EnviroSafety Bio Wash and farming.

This is a good idea for Smalltown USA which is one reason why we now have a Florida orange grove business and a North Carolina sustainable forestry business. We are to test bio wash on citrus growing and fighting greening.  See more here at Bio Oranges

Cotacachi-organic-garden

This also offers a great Ecuador organic farming idea. See more here.

Join Merri and me and our webmaster, David Cross, and Jyske investment adviser, Peter Laub, to learn more about business, investing, health and Ecuador this June at our Quantum Wealth  seminar where we share ways to invest, do business and live that protect wealth as they bring joy, satisfaction and better health.

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.

I want to share this information with a special few in our summer course in the Blue Ridge Mountains where the air is dry, crisp, with a bright sparkling sun.  Our North Carolina woods is a place where we can once again walk down sun filled, pine needle covered, dirt paths beneath huge, fat, green fir and hemlock.

We start the course with this question that can help us get our lives back.

“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 likely to make good investment decisions.  If not, no matter how much money an investors has, changes are, they’ll lose.

Bring Value and Purposeful Investing Together

value

Join us to learn how to make safety and profit easier and less time consuming so we can focus on our individual purposes in life.

Become an International Club member and join like-minded souls, who take a positive view and think outside the box for better health, greater income and safer, more profitable investments. Share ideas on how to add value to everything and make 2016 -2017 your best years yet.

In 2016 Merri’s, David’s and my mission is to share our 50 years of experience in international business, investing and living to make ourselves happier, healthier and wealthier.

To reach a wider audience we have shifted our seminars online including the seminar “How to Secure Your Future With a Value Breakout Plan”.

Here is a partial syllabus of this seminar.

  • Three common sense ideas:   Avoid lines.  Go where you are a name not a number.  Decide who you are and what matters to you.
  • Why three economic trends that have make smart investors rich every 30 years are ready for cashing in now.
  • How to look for short term problems that create long term value.
  • Update on the best ten markets for safety and profit.
  • How to diversify in value with Country ETFs.
  • The value of time in investing and life.
  • The economics in cyber wars. How to look back at the economics of war to see ahead.
  • Great new innovations that will ignite a 16 year bull market from 2016 to 2032.
  • The next great fuel.
  • Timing long cycles, economic cycles and seasonality.
  • Investing in Demographics.
  • Trading Down, the biggest global trend ahead.
  • Hidden Inflation .
  • How to protect against pension loss.
  • The Silver Dip 2016. When and how to invest in gold and silver . How to double your position with loans.
  • How to spot currency distortions and borrow low to deposit high.
  • How, Why When & Where to bank abroad.

Club membership is for an entire year and the recorded seminar is just one high point.

In 2016 and 2017 we are conducting online seminars about value investing, natural health and how to write to sell.

International Club members receive all the online seminars free.

In addition club membership includes:

  • Personal investing Course (Pi), normally $297, FREE
  • Self Fulfilled How to be a Self Publisher, normally $299, FREE
  • Eventful Business, normally $349, FREE
  • International Business Made EZ, normally $299, FREE
  • Report “Three Economic Conditions for 50% or More Profit,” normally $29.95, FREE
  • Report “Silver Dip 2015” normally $27, FREE
  • Three online Value Investing Seminars, normally $477, FREE
  • One online Natural Health Seminar, normally $119, FREE
  • One online Writers Camp, normally $299, FREE

Annual International Club (one year) Membership  $1,199

Annual International Club (one year) Membership four quarterly $375 payments

Merri and I have been organizing courses, seminars and newsletters about international and Super Thinking  lifestyles for over 30 years.  The importance of this sharing… by like minded souls… was reinforced when a delegate from a course sent an email that said:

My Dearest Merri and Gary, Thank you for your most gracious hospitality last weekend. I am just thrilled at being a part of your group.  You and Gary were exactly as I imagined you to be, warm friendly, kind, considerate, genuine, helpful, fun, sincere, what else can I say……I felt so comfortable in your presence and learned so much in your course. I was sad to leave the farm that Sunday afternoon.  You made us all feel so welcome and cared about.  You were so kind to make arrangements for a ride with the other delegates from the Charlotte Airport.  They were so nice to me and so helpful, by the time the weekend was over I felt like they were my long lost brothers. Monday morning we all had breakfast at the airport together and I was so sad to see them go, I was sad the weekend was over, perhaps sad is not the right word for how I was feeling perhaps Gratitude is a better way to describe it.  Grateful for having the opportunity to share the weekend with such wonderful, like minded Human Beings, in the beautiful mountains of North Carolina. Thank you Merri and Gary.  Thanks to you I now have new hope and a new direction to move forward in my life.   I know by attending your classes and conferences that through education and due diligence I will make the right choices.

I invite you to be a member of the International Club.

Let’s prosper in these times of change. Won’t you join us in this exciting club and share Merri’s and my lifestyle for the next year?  Join us online.

Club members receive everything we offer in 2016 and 2017.

Annual International Club (one year) Membership  $1,199

Annual International Club (one year) Membership four quarterly $375 payments

Gary

Read the entire Atlantic Magazine article How a New Jobless Era Will Transform America here.

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The Magnificant Seven – Internet Business Opportunities


This is a time to check out internet business opportunities such as the seven business ideas below.

Merri and I enjoy having an international internet business.

internet-success

This recent ranking from Alexa.com shows how our site is in the top 16,000 web sites in America, top 8,000 in Canada and top 500 in Ecuador.  There is more… as you’ll see in pictures below how the recent recession has caused our internet business to grow.  So you can do the same… earn more as others seem to earn less.

Our sales have doubled since the recession began and our list of readers has increased over 100% also.

Knowing the philosophies that we follow to prosper from change can help you invest better and can help you create an internet success if you desire.

The Western economy has changed… probably forever.  The old ways are gone and those who held jobs… or still have work in the private sector have lost the most.

The economy will recover… in numbers yes… but the way people earn and work… and how the money is distributed and to whom especially… has been profoundly altered.  This is especially true in value added countries like Canada… the USA and most of Europe.

Excerpts from a recent New York Times article entitled “After Escaping Jobless Rolls, Trauma May Linger” by Michael Luo helps explain why:

RALEIGH, N.C. — Antje Newby went back to work in September, but she has still not escaped the burden imposed by nine months of unemployment.

Antje Newby, working again, said, “We’ve got financial impact we’re going to deal with forever.”

Tom Newby stays home in part to help his children adjust to their move from in the Detroit area.

Mrs. Newby and her husband were forced to walk away from their home in suburban Detroit and are now living here in a rented house with their three children. They are bracing for a huge tax bill in the spring because of early withdrawals they made on her 401(k) and taxes they still owe on unemployment benefits. Their credit is in tatters, and their 16-year marriage showed cracks they are still trying to repair.

The wound of unemployment, as her family has learned, is not cauterized so quickly, and lives do not simply go back to the way they were.

Interviews with more than a dozen people who were out of work at least a half-year during the recession and have now landed jobs found many adjusting to new realities. Some of the changes are self-imposed; others forced upon them. They include grappling with newfound insecurities and scaled-back budgets; reshaped priorities and broken relationships. In some ways, it is equivalent to the lingering symptoms of post-traumatic stress.

One person interviewed said, “If the rug is pulled out again, I’m not going to survive”.

Another said “We’ve got financial impact we’re going to deal with forever.”

Many of the old rules of employment have been turned upside down. For example in the past people worked for the government for job security but expected lower pay. Now, according to the Cato Institute this has completely flipped and the reversal is growing:

The Bureau of Economic Analysis has released its annual data on compensation levels by industry (Tables 6.2D, 6.3D, and 6.6D here). The data show that the pay advantage enjoyed by federal civilian workers over private-sector workers continues to expand.

The George W. Bush years were very lucrative for federal workers. In 2000, the average compensation (wages and benefits) of federal workers was 66 percent higher than the average compensation in the U.S. private sector. The new data show that average federal compensation is now more than double the average in the private sector.

See the full Cato article below.

Yet at the same time there has never been a better time… with greater opportunity, for an internet business… if… you are choose a  business that flourishes with change.

We are in an era of global structural change… in economics… in society and in the way we work because technology brings us low cost administration, low cost access to data, low cost communication, and low cost travel, plus…
the opening of markets beyond logic that rely more on passion and experience than on efficiency and cost.

We looked at these economic and structural changes, and what to do about them in the international investing and business portion of our Quantum Wealth Seminar we conducted in Mt. Dora, Florida last week.

We saw how markets are shifting from materialistic needs to emotional needs.

Love-friendship-control-freedom-tradition-change-big answers-recognition and care are emotional needs that create expanding demand and business opportunity

The next generation is having more involvement in every step of the buying process.

Uniting the body and mind is an emerging market.

Natural physical health, fitness will expand but botox and insulin sales will also grow.

Mental health, retreats and spas prosper.

The health of the planet is becoming a more important business.

There is a shift of emphasis from GDP to GWB  (General Wellness Barometer Happiness Factor)
Business will operate with more passion.

We saw how these shifts create new opportunities for investment and internet business in seven areas.

Currency Distortions
Value Markets
Emerging Markets
Wellness
Water and Alternate Energy
Truth & Cohesion
Ecuador and Smalltown USA Real Estate

I call these seven areas the Magnificent Seven… these are the places where I am looking for opportunity and focusing our efforts now.

This focus has paid off.

This chart from Alexa shows our…

internet-success

traffic rank.  At times we are nearly ranked among the top 40,000 websites in the entire world.

There is another picture about this below.

Over the month of March, we’ll look at each of these magnificent seven opportunities to see how they can help you.

Learn more about international investing in the magnificent seven at Jyske Global Asset Managers forex seminar in Laguna Beach this April . See details here.

Or join us for our next Quantum Wealth Seminar June 24 to June 27, 2010.  See more here

Gary

Or Join Merri and me or Ecuador Living’s staff in Ecuador in March 2010.

internet-success

This Alexa.com chart shows our that website’s reach at times is 4/100s of a percent of all websites.  That is a lot of reach for a tiny two person business.  More important… the trend of our ranking and our reach over 2007, 2008 and 2009 has been up and up.

Join us so we can help you enjoy prosperity from change as well.

Here is what one delegate at our Quantum Wealth seminar last week wrote:

Thanks mucho for everything.  Just so you know, we are in brain overload right now, thanks to you! Your course was awesome! So much to do! I am overwhelmed and going in a hundred directions!

March 11-14     Super Thinking + Spanish Course, Mt. Dora, Fl.

March 15    Travel to Quito

March 16 Travel Quito Cotacachi

March 17-18  North Andes, Imbabura & Cotacachi Real Estate Tour

March 19-20    Cotacachi Shamanic Tour

March 21  Travel Cotacachi to Manta

March 22-23   Manta & Mid Coast Real Estate Tour

March 24 Travel Manta to Cuenca

March 25-26 Cuenca Real Estate Tour

March 27  Travel Cuenca to Salinas

Mar. 28-29   Salinas & South Coast Real Estate Tour

The Ecuador airfare war makes it cheaper to get to Ecuador than ever before… and there is still time to enjoy great Ecuador tour savings.

You enjoy discounts by attending multiple seminars and tours. Here are our multi tour adventure discounts.

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

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

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

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

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

Even Better.  Greater Savings. Our 2010 International Club membership allows you and a guest to attend as many of the 51 courses and tours we’ll sponsor and conduct in 2010  (fees would be $40,947 for all these courses individually) is only $3,500.

If you join the International Club, the entrance fee for 2010 is $3,500.  Your attendance fees at all courses will be waived. You and a guest of you choice can attend courses worth $40,947.You can calculate the savings as our schedule of all 2010 courses here.
International Club 2010 Membership $3,500 Enroll here

International Club Three Monthly Payments of $1,190

Our Spring 2010 schedule starts:

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

The multi tour discounts remain effective for the April tours.

See After Escaping Jobless Rolls, Trauma May Linger

Federal Pay Continues Rapid Ascent

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Ecuador Real Estate Search


When you start your Ecuador real estate search, remember a thought that has been around for quite awhile…”Veni Vidi Vici.”

I came… I saw… I conquered.  The phrase is not “I conquered over the internet and then flew down”.

The biggest most important factor is first to come… The second is to look and see.   Then conquer.

Yesterday’s message shared a reader’s question at Ecuador B&B Search.

The reader also asked:  How much time would be needed to find a place and settle the purchase?  On average 9 days, or a few weeks?

Possibly in the first few years we`d be unable to visit for more than 5 weeks of the year.   Our biggest problem is for our employer to give us any time off from work .  It`s not possible to have any unpaid leave.  My husband thinks we need to go in 2 months because if we wait 12-14 months the prices may have escalated significantly .  What do you think?

Here is my reply.  I do not think this is a realistic plan. You should not be rushed to buy.  Better to take a year or two and use your vacations for trips. Look.  Get a feel of Ecuador and Ecuador’s real estate market… then rent or buy.

Merri and I spent six years, living, traveling and looking at Ecuador real estate before we made our first Ecuador real estate purchase. Good values are found by knowing the market… being available to buy and being able to make a good offer when a good deal comes through.

You’ll have a better chance of buying as a well informed buyer later than rushing to buy earlier when you are ill informed!

Merri and I recently bought an estate in Florida. This process took almost a year and we knew Florida really well to begin!  We had lived in Florida for more than 20 years and Merri over 30 years… yet  before we purchased we researched, traveled all over the state and look at hundreds of properties before making our first offer (which was turned down).

See more on how we buy real estate at Ecuador to Florida and at Value Investing Dairy to see the laborious process we used to find this house…

ecuador-value-real-estate

with this view and…

Ecuador-value-real-estate

this waterfront.

Ecuador-value-real-estate

at a good value… we hope.

See how this process helped us buy our Ecuador Hotel Meson de las Flores in a 30 second decision…

Meson’s colonial architecture charms and welcomes you.

Cotacachi hotel El Meson

based on seven years of research.

Here is Meson’s courtyard.

Cotacachi hotel El Meson

Our websites and daily messages can help you learn the rules about buying Ecuador real estate.  Visiting… seeing for your self and experiencing Ecuador helps you learn the exceptions to your rules.  So use the intelligent order that was given to us so many millenniums ago.   “Veni Vidi Vici.” come… see… conquer. This is the way.

Gary

Join us in Ecuador. We can help you see Ecuador real estate.

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. See our winter Ecuador real estate tours below.

Jan.   8-11     Ecuador Export Tour $499 Couple  $749

Jan. 13-14     Imbabura Real Estate Tour   $499 Couple $749
Jan. 21-22     Coastal Real Estate Tour $499 Couple $749
Jan. 23-24    Quito-Mindo Real Estate Tour  $499 Couple $749
Jan. 22-23    Cuenca Real Estate Tour  $499 Couple $749

Enjoy extra savings with our special early bird fees (if you enroll in November 2009)

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   $499 Couple $749 or discounted fee for multiple tours below.
Feb. 20        Travel to Cotacachi
Feb. 21-22   Imbabura Real Estate Tour  $499 Couple $749 or discounted fee for multiple tours below.
Feb. 23-24  Quito-Mindo Real Estate Tour $499 Couple $749 or discounted fee for multiple tours below.
Feb. 26-27  Cuenca Real Estate Tour  $499 Couple $749 or discounted fee for multiple tours below.

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   $499 Couple $749 or discounted fee for multiple tours below.
Mar. 19-20    Cotacachi Shamanic Tour      $499 Couple $749 or discounted fee for multiple tours below.
Mar. 22-23    Coastal Real Estate Tour        $499 Couple $749 or discounted fee for multiple tours below.
Mar. 25-26    Cuenca Real Estate Tour        $499 Couple $749 or discounted fee for multiple tours below.

Enjoy extra savings with our special early bird fees (if you enroll in November 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

6 seminars courses & tours  $1,999 Couple $2,999

(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

Ecuador Internet Business – Job Creation Opportuity


Here is a great Ecuador internet business idea that can create a job for you and others as well. Create “notchups”  an idea you could say was raised from the dead.

ecuador-business

Ecuador’s guild system creates an interesting “notchup” opportunity.

Here is why you can cash in with a “notchup” internet business.

Branding is a powerful marketing tool… sometimes good and other times… not.

For example Kellogg’s claim that their  ‘Cocoa Crispies’ cereal can boost a child’s immunity has to be in the all time “Disgusting Brands Hall of Fame.”

However good or bad… in marketing, branding works and one negative form of branding to my way of thinking is via prestige pricing.  Prestige pricing creates products that are so expensive that most consumers cannot afford them.  This is prestige or envy branding.  This type of branding really works.   To give you an example of how well envy branding works, when Forbes magazine released its annual list of top-earning dead celebrities for 2009, the biggest dead earner was fashion designer Yves Saint Laurent who raked in a staggering $350 million after his death last year.

Number two and three by the way were Rodgers and Hammerstein at $235 million and  Michael Jackson earning US$90 million after his death… all leaving the king in the dust. Elvis earned only $55 million.

I suspect that as soon as envy branding began… so to did notchoffs… a CHEAPER look alike product that looks like the expensive brand.

Ecuador-joys

Ecuador has many master weavers.

Yet there are some other bigger more important internal benefits of living in Ecuador or anywhere different around the world.

Ecuador-joys

Ecuador-joys

These Ecuador musical instrument makers are famous around the world.

The great Ecuador Internet Business Idea is to make BETTER look alike products that I call “notchups”.

Teach Ecuadorians how to make high end products and then sell their inventory over the internet, without inventory costs.

This is a nice way to fight back against prestige branding… better for less so the man in the street can afford the product.

Here is how this idea came about.   A Businessweek article by By Douglas MacMillan entitled “Psst! Private-Sale Shopping Sites Are Hot” started the idea.

You can link to the entire article at the end of this message but here is an excerpt from the article: Saddled with unsold merchandise amid the recession, makers of luxury goods are selling their wares through members-only shopping sites.

During last year’s bleak holiday shopping season, fashion designer Lauren Merkin greatly overestimated the number of handbags she’d sell in upscale retail stores such as Neiman Marcus and Bloomingdale’s.

She found a good way to sell them elsewhere without consigning them to a bargain-basement rack that might tarnish the brand in the eyes of would-be customers. All year, she’s been selling the excess goods for half-price on the members-only Web site Gilt Groupe, during 36-hour sales that are hidden from the view of the general public. “What we’re selling is first-rung, but if it sits around at a sale I think the consumer gets the wrong impressions about the product,” Merkin says.

Saddled with overstock from the retail recession, makers of luxury apparel, home furnishings, and other high-end goods are selling their wares at reduced prices through Gilt Groupe and other private shopping sites. Many of these companies help fuel pent-up demand by limiting membership, forcing would-be clients to park on a waiting list or be referred by existing members.

The private-sale model also makes sense for Gilt Groupe and other sites that act as middlemen, because they carry no inventory and earn a wide margin on sales. Combined revenue at Gilt Groupe, Rue La La, and Ideeli, three of the top four players in the U.S., is expected to exceed $300 million this year. That, along with sales at other private-sale sites, makes up a significant portion of the estimated $1 billion a year in online sales of luxury apparel, says Sucharita Malpuru, e-commerce analyst at Forrester Research (FORR).

Enterprising business people can turn their passion into profit and take this idea one step further. They can create products similar to (but often even better) than existing luxury goods, have talented Ecuadorians make them and then sell them online.

For example, this Fendi Zucchino shopping tote in canvas with leather handles and trim, made in Italy is for sale on the internet for $819 bucks. Yikes!

Ecuador-business

Here is an Ecuador craftsman scrapping leaves of the Aguave plant to create…

ecuador-business

fiber to make Shigra bags like this… green… hand made for the wearer.  Maybe $30 retail and they could look better than the Fendi!

Ecuador-Crafts

Here are the keys to make this idea a success.

#1: Be involved in something you really love. This enhances your lifestyle as well as your wealth.

#2: Do not make knockoffs. Make something better…notchups!  Ecuador’s guild system created craft masters who no longer exist in Europe.  You can create handmade products similar to luxury items but are really better and with a better story because the items are hand made.

#3:  Offer experiences not just goods. Offer optional trips so buyers can come and be involved in the creation of their product.

ecuador-business

There are great artists who can do wonderful reproductions like this religious art.

The concept of knockoffs have existed probably since branding began.  However you can create a business selling notchups and knock your competition as you enhance your lifestyle and create extra income.

Gary

See the best Ecuador property for you.  Find the best real estate offers.  Know more of Ecuador. To help you experience a bigger adventure in this wonderful nation, to broaden your horizons, to expand your awareness of all Ecuador offers, we are providing deep discounts in 2010 for those who sign up for multiple tours.

Join us in Ecuador

Join us at our upcoming courses and tours.

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. See our winter Ecuador real estate tours below.

Jan.   8-11     Ecuador Export Tour      $499  Couple  $749

Jan. 13-14     Imbabura Real Estate Tour   $499  Couple $749
Jan. 21-22     Coastal Real Estate Tour $499  Couple $749
Jan. 23-24    Quito-Mindo Real Estate Tour   $499  Couple $749
Jan. 22-23    Cuenca Real Estate Tour  $499  Couple $749

Enjoy extra savings with our special early bird fees (if you enroll in November 2009)

Join us in February or March.

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   $499 Couple $999 or discounted fee for multiple tours below.
Feb. 20        Travel to Cotacachi
Feb. 21-22   Imbabura Real Estate Tour  $499 Couple $999 or discounted fee for multiple tours below.
Feb. 23-24  Quito-Mindo Real Estate Tour $499 Couple $999 or discounted fee for multiple tours below.
Feb. 26-27  Cuenca Real Estate Tour  $499 Couple $999 or discounted fee for multiple tours below.

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   $499 Couple $999 or discounted fee for multiple tours below.
Mar. 19-20    Cotacachi Shamanic Tour      $499 Couple $999 or discounted fee for multiple tours below.
Mar. 22-23    Coastal Real Estate Tour        $499 Couple $999 or discounted fee for multiple tours below.
Mar. 25-26    Cuenca Real Estate Tour        $499 Couple $999 or discounted fee for multiple tours below.

Enjoy extra savings with our special early bird fees (if you enroll in November 2009)

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.

See our entire 2010 seminar and tour schedule here

Read the entire article  Psst! Private-Sale Shopping Sites Are Hot