Tag Archive | "Las Viandas Meson"

Why Ecuador


“Ecuador has it all. Beauty, convenience, low cost and opportunity.” I wrote these words nearly fifteen years ago when Merri and I first visited this unique equatorial country as investors.

Yesterday’s message began our review of seven lifestyle foundations.

The last two messages at this site entitled Lifestyle Foundations and Ecuador Healthy Lifestyles outlined why we, at the beginning of this decade, are sharing seven key messages I have sent before…  but have update.  They reflect the fundamental values we share from the lessons we learn at this site.

This third lifestyle thought looks at why Merri and I have brought thousands of readers to Ecuador and been living and investing so much there for the past 15 years.  This messages answers the question… Why is Ecuador  a great place to be?

Ecuador-friendly

Ecuador has wonderful natural resources… in the mountains and…

Ecuador-friendly

and on the sea.

Ecuador is unique for many reasons.  One huge benefit is that it has direct sunlight 365 days a year. Ecuador’s topography ranges from sea level to over 22,000 feet. Going from the coastal plain into the mountains of Ecuador offers the same bio diversity as from the equator to the Arctic Circle.

Ecuador offers incredible luxury at reasonable prices… heart warming sweetness… breath taking beauty… health benefits… and new horizons  at every turn.

Ecuador-friendly

Ecuador is affordable for everything… such as affordable housing… even ultimate luxury.  Here is a chef creating delights at the Relais and Chateaux Spa La Mirage in the Andes and…

Ecuador-friendly

the luxurious Casa Ceibo hotel on Ecuador’s Pacific.

Having lived, worked and played there now for fifteen years, we are just beginning to realize how really special and what enormous joys and pleasures this tiny country has.

Slightly smaller than the state of Nevada, Ecuador has four highly distinct zones, the Amazon jungle basin, the Andean central highlands, the Coastal Plain and the Galapagos. Not only do these four regions offer highly different lifestyles and opportunities distinct from each other, each also offers unique sights, sounds and thrills that you cannot obtain anywhere else in the world. Yet it is all so compact!  Nothing is much more than an hour or two away.

In Ecuador you encounter cultures, knowledge, birds, plants, sights, scenes and sounds you will not find anywhere else in the world.

Yet there is even more that is hard to explain. A sweetness that lies just below the surface permeates all things and makes them somehow enjoyable in ways that are difficult to describe. Merri and I have taken over thousands of delegates to this country since we first began.

Ecuador-friendly

The…

Ecuador-friendly

people of Ecuador are…

Ecuador-friendly

warm and…

Ecuador-friendly

friendly…

Ecuador-friendly

naturally.

Ecuador-friendly

Again and again they say the same. “I don’t know what it is that I feel so good here, but I love it. I have to come back again.”

Perhaps it’s the random, jumbled, apparent lack of order in a society where things do work.

The airport is organized and gets better every time we arrive. The political system does move forward (Ecuador is South America’s oldest democracy), the legal system does work.

Perhaps it is the way things work differently there. Perhaps it is the incredibly low cost of fresh fruit, clean air and pure water.

Ecuador-friendly

Food,  of every variety, is excellent, abundant and in expensive.

Whatever it is that makes Ecuador wonderful, many of those who have accompanied us have (like Merri and me), bought homes, moved there and bettered their lives in a multitude of ways.

Perhaps it is the slight differences because like good ice cream, the nuances often say more than the obvious. Cracks in a wall, its patina and peeling paint speak more loudly than color, architecture and design. So I’ll describe the current circumstances of the country below, but written words are never enough. I’m writing the logical reasons why you might love Ecuador here, but you need to visit. Ecuador is a place for the heart and it will be your heart that rules in Ecuador, never your mind.

Ecuador-friendly

Ecuador is at the dawn of its development and has wonderful dawns like this one over the sophisticated city of…

Ecuador-friendly

Quito… the Paris of South America.

Ecuador is at a crossroads. It stands in a position where it can really rise from its third world state or sink into an even deeper time of turmoil.

There are three driving forces at work, the first being economics. The country has oil… a lot of it.   About 60% of the government’s revenue comes from oil. A new airport is being built to replace the one in Quito.

On the downside the country is in an economic mess… has defaulted on its bond debt which is a huge negative for participation in the global economy.

Another driving force is the nation’s dollarization. The idea of abandoning the sucre and using the U.S. dollar as the nation’s currency was that this will stop inflation because it limits the politicians’ ability to spend. This was a good idea and the long-term stability and much lower inflation has created will be good.  The IMF loves this as do many of the other bright boys in top western economic posts…all who have never tried to run a country surrounded by other nations that do devalue their currencies. Dollarization has been good but there remain doubts that it can survive.  If the dollar rises versus currencies in neighboring countries, then Ecuador’s exports will become uncompetitive.

Enter the third driving force, President Rafael Correa.  He has gained great popularity especially be developing indigenous connections and has spent his first years in office on a reform campaign.  Can he continue to spend and can he continue his reform are the big questions.

The man is probably sincere, but like Jimmy Carter may be overwhelmed by events. He has no political experience at all. He is inheriting an economic mess and has managed to get many people angry with him.

Ecuador-friendly

Ecuador’s President Correa is dynamic and aggressive… and accessible.  Here is a photo I took of Correa when he visited our village.

Ecuador real estate prices are not as low as they were when Merri and I began investing a decade ago, but the values are still good… and the cost of maintenance and taxes etc. place are still low.  The streets are not as safe as they were, but especially out of the city and away from the Colombian border, Ecuador is very safe… not a dangerous place.

There are enormous historic, economic, cultural obstacles to overcome. Three forces are clashing.

The first are the few very rich families, who have always been in economic and political control. Since there is no middle class, these business families have never used capital markets and have kept business ownership to themselves. Without capital markets they have depended on low cost labor rather than capital equipment. If they stick to this old paradigm, as real wages rise (especially in relation to the neighboring countries) they will become increasingly uncompetitive.

The second force is the huge number of very poor. They want change, better lives, etc., but do not understand global economics. They want change without changing and/ or evolving to fit into today’s modern industrial world. They want the goodies of the west but do not know what to do or how to integrate successfully into the global economy.

The third force is president Correa. He has promised to attack graft to help the poor and downtrodden.  But can he do this with success?

My humble opinion is that education is the only real way to make the shifts required. The country must focus its newly found incoming cash flow on education. The poor must be helped to become more productive so they can rise. My guess is the funds will go instead to handouts to quell uprisings and to more graft.  This has been the trend so far.

However the president has instituted free education to all in Ecuador… a good step.

This is hardly an optimistic opinion but regardless, there will be great opportunity in Ecuador.  If the country moves the right way, they will enjoy increased stability, productivity and we who move there can participate in helping this wonderful nation join its place in the global economy.

The zero on the roulette wheel will be law and order. If the impoverished majority make enough fuss, law and order may decline. This is always the businessman’s risk.  This risk is balanced by the peaceful nature of Ecuadorians and their strong family values.

Ecuador-friendly

Ecuador has strong spiritual and family values. Even our small village Cotacachi has two large cathedrals.

My feeling is that the unchangeable good parts will remain.  Sweet people, more sight and sounds than you can find anywhere else, exquisite biodiversity of flora and fauna. There will be a rich, ancient culture full of wisdom to mystify you and bring you back again and again. The people have an inherent sweetness that has been ingrained for thousands of years. I do not believe that this will suddenly go away. A portion of the indigenous population (the Otavalans) are perhaps the most successful indigenous community in the world. Their influence is a stabilizing factor.

Plus there is more flora, fauna, some really great Indian markets, jungle lodges, incredible fishing, hiking, sightseeing and such. The many readers who have moved to Ecuador tell me they still love living in this place, as do Merri and I. Ecuador is a great place to visit, live in or do business. There are still some real estate deals but one has to search and work at this harder than in previous years… due in part to the large number of westerners who have moved to Ecuador.

Ecuador real estate potential is enhanced by increased inflation and this is why Ecuador real estate investing makes sense. Messages at this site monitor investments in Ecuador.

The collapse of the US economy made real estate in America more affordable… but reduced income, jobs and wealth also.  This has forced the US government to stimulate the economy at the expense of the US dollar.  This will cause inflation.

This is forcing many middle class Americans to move to less expensive areas in the US and abroad.

60 million baby boomers have begun to retire.  Many of their pensions and social security will be severely squeezed by inflation, leaving these people with one of five options.

#1: Keep working
#2: Move to less expensive areas within the US
#3: Export their retirement
#4: Live in near poverty
#5: Die

This is one reason I  believe in Ecuador.  Imagine this. 60 million boomers will retire over the next 20 years. We boomers are the most spoiled group of consumers as a demographic class that has ever existed on earth. We were promised the world. We were given the world. Now the magic is about to disappear.

Assume that 10% of these boomers will decide to move to less expensive countries. That’s 6 million people. Where is the most likely place to go? Eastern Europe offers great potential but are long distances from the US.

Estimating the Number of Americans Who Move Abroad.

My estimates at 105 may also be low. An article in Barrons entitled, “A new life in Panama” by Bob  Adams tells of  a silent immigration of Americans retirees and more, seeking to  work and live in other nations.

I have been writing and speaking and urging people to consider an international life for 40 years next May. Yet the scale of the  immigration that is taking place now surprises even me.  The author of this article  did a survey with over 115,000 respondents.

They eliminated any relocating for less than two years or because of military, government or their jobs.  They discovered that 1.6 million  households have already made the decision to relocate. 1.8 million households are seriously considering relocating and 7.7 million households are somewhat seriously considering relocating. The survey suggests that in total, an astounding 10% of American households are considering relocating abroad and another 10% are considering owning a home to either vacation or live part time abroad or 20% of Americans are n the move!

More surprisingly the largest group who are making these plans are in households aged 25 to 34.

If this survey is anywhere near correct (I will assume that Barron’s vetted this at least a bit), then the wave of Americans headed abroad are larger than I believe.

So where will these Americans (Canadians, British, Australians, Kiwis and Continentals are leaving their homelands as well) go?

Canada is out…too expensive and too cold. Most people will head south.

Mexico stands to be #1, but prices there are rising quickly and there is a lot of anti-gringo sentiment.  After all there have been numerous Mexican-American wars. The building of a fence across the border will not help either.  There is a law and order crisis. Yet it’s still probably the place that will benefit the most due to location.

Cuba, when it opens, will be ripe and good as well. A great place to buy when you can assuming no negative political circumstances. The low end Caribbean is also good except for those darn hurricanes that will put lots of people off…plus many water and transportation problems and the fact that few of the islands have a real infrastructure.

Panama is good…lots of English spoken, many yanks already there, but weather is lousy if you want to be in town (hot and humid) and prices are no longer low. Ditto for Costa Rica. Central America lacks infrastructure though there are some nice gringo settlements though they are expensive. Yet we see many Americans now moving from Panama to Ecuador.

Colombia is the first nation with a progressive economy and full infrastructure after Panama and Mexico. This is a wonderful place but security will stop most from going there. If the security/drug/crime issues are resolved and image cleans up…go buy in Colombia. This will be a great opportunity.

Argentina, especially Buenos Aries should do well also. It’s further away but BA has a very European feel.

Ecuador, 3 hours and 45 minutes from the US will benefit as the first nation with a full infrastructure and really low cost of living.

If Ecuador gets just 10% of six million Americans who leave the US, imagine what this means to this nation of 11 million.  First this is more than a 5% increase in population. However look at what it means in dollars!

According to the CIA World Fact Book, Ecuador has a Gross Domestic Income of $4,300 per annum per person. That makes a total GDP of $47,300,000,000.

Imagine what happens if the 600,000 gringos have an average income of $18,000 a year per person. That adds $10,800,000,000. This is an annual income that almost equals 20% of the entire national GDP! This is one reason why Merri and I include Latin equities in our investment portfolio and are buying more and more real estate in Ecuador.

Every cloud has a silver lining and two clouds casting shade on the greenback’s value are liberal money supply and political interference to support presidential elections. The silver lining comes in the form of profits made in places where fed up Americans and Canadians decide to go when they leave home.

This is why we have purchased a hotel, an office building, 6 condos and a house, a 900+ acre hacienda plus a beach apartment in Ecuador ourselves.

ecuador-health

Our hacienda Rosaspamba.

Ecuador-house-for-sale

Our house.

Our hotel Meson de las Flores.

ecuador-sea-real-estate

Our Ecuador beach apartment.

In summary Ecuador’s real estate potential may depend more on how bad things become in North America rather than how good will be be in Ecuador.

Ecuador has it all… at affordable prices and is an great place to be. Ecuador is a wonderful option to investigate if you are not happy comfortable or certain of the fate of your existing home.   Ecuador is an excellent second place, with growth potential  and no matter what happens to the global economy… the sun always shines there… 365 days a year.

Gary

Gain Super Thinking – Learn Spanish in Cuenca, Ecuador

Learn Spanish in Cuenca, Ecuador June 2,3,4 2017.

There are seven benefits you gain beyond Spanish when you learn the techniques of Super Thinking-Learning Spanish.

cuenca inn

Learn Spanish in Cuenca, Ecuador this June, 2017.

Speaking Spanish is a huge benefit on its own.  You can become one of the rare North Americans who can get along in Spanish speaking countries.  You can be one of the special people who can communicate with 10 million non-English speakers in the USA.  Spanish is the second most used language in the USA.  There are more Spanish speakers than speakers of Chinese, French, German, Italian, Hawaiian, and the Native American languages combined.  According to the Census Bureau, Spanish is the primary language of nearly 50 million people in the US.  This is the largest Spanish-speaking community outside of Mexico. Only half of these speakers also speak English “very well,” and 19% do not speak Spanish at all.  XXXX

You can tap into all this potential when you speak Spanish.  Yet there are seven more benefits.

An article in England’s leading newspaper, the Telegraph, entitled “Why learn a foreign language? Benefits of bilingualism” (1) sum up the biggest benefit of learning a second language and increased intelligence.  The article says: “Learning a foreign language is more than just a boost to your CV or handy for traveling.  It will make you smarter, more decisive and even better at English.  Physiological studies have found that speaking two or more languages is a great asset to the cognitive process.  The brains of bilingual people operate differently than single language speakers, and these differences offer several mental benefits.”

The article then explains studies that show seven cognitive advantages gained from learning a foreign language.

#1: You become smarter
#2: You build multitasking skills
#3: You stave off Alzheimer’s and dementia
#4: Your memory improves
#5: You become more perceptive
#6: Your decision-making skills improve
#7: You improve your English

This is why I invite you to visit Ecuador and learn how to use Super Thinking as you learn Spanish in three days.

Does it sound impossible to learn Spanish in three days?  Yes, it is impossible when you try to learn Spanish in the traditional way.

However, there is a scientific method of learning… proven and described in numerous best selling books that create educational jumps by making education natural, easy and fun.   This course works because it is education without stress!

This method was created and refined by the Bulgarian educational master, Georgi Lozanov.  who transformed the entire Soviet educational system to such a degree that this third world country beat the USA into space.

Merri was lucky to be one of a handful of students outside of Bulgaria who were allowed to be taught this system in the early 70s.  She practiced this unique and remarkable form of education for  four decades.

Merri and I began integrating these techniques with other shamanic and educational tactics we had gained in our global travels and applied them to teach Spanish in three days.

The course has been proven again and again by the thousands who have used this system.   You can read a few of the many raves we have received from delegates who have learned from the Super Thinking Spanish course we created.   If this is not proof enough, I have provided links so you can read dozens more raves.  If this still is not proof enough, I’ll be happy to provide phone numbers so you can talk to those who have learned to speak Spanish in three days.

One delegate who attended a Super Thinking + Spanish course taught by two of the Super Spanish teachers that Merri and I trained (Shawn and Suzanne Bandick) wrote:

super spanish course images

Here are a few quotes from other delegates of courses conducted by our Super Spanish teachers.

One delegate from St. Louis wrote about his courses with Super Spanish teacher, Mark Frakes:  Hi Gary,  Just ended forty-five years in dentistry last week,and I’m on to a new career. What is my new career?  Still formulating,but the eye -opening,mind expanding Super-Spanish course last weekend in St. Louis surely shows me the opportunity exists to expand my horizons. Mark was a very capable leader and teacher and his choice of a pronunciation coach was well received.

Besides having a lot of nice people to learn our new language; the methods Merri and you developed proved to be just what you said they would be. We all and I in particular relaxed our way to new learning.  I feel so very comfortable with the basis of my new language skills that I know I will be spitting out great Spanish sentences by the time I reach Ecuador in October.  Last year I spent six weeks in Ecuador and now I plan on conversing with the people.

Today’s excerpt of your newsletter really hit home. You do what you say you will. There are no surprises or hidden sales tricks. The only tricks are beneficial to our learning.  Thank you for a wonderful experience that I was quite unable to grasp how you would pull it off.  You did,and I look forward to other courses that you offer,and I have absolutely no doubt they also will work beneficially.  Thanks to Mark, who you chose well to represent your program.  Best regards, Denis Molloy.

Another wrote about Super Spanish teacher, Glenn Sterling’s course:   Buenos Dias, Gary y  Glenn,  Here is a testimonial for Super Thinking Super Spanish.  Please feel free to use all or part in promotions for the course.  In addition, you may give my email address to any prospect “on the fence” about enrolling.  Yesterday, in Cotacachi, Ecuador, I finished Super Spanish Super Learning.  I had high expectations for the course and they were exceeded.

The course was taught in English by Dr. Glenn Sterling, a witty, engaging, retired chiropractor, and Alberto, his Ecuadorian side kick, who made sure we learned to pronounce everything correctly.  After three days, I can speak Spanish in complete sentences. In simple conversations, such as buying groceries or ordering a meal, I can make myself understood. I think that’s incredible!

Although I am far from the competence level of a native speaker, I feel I’ve taken a giant step forward in learning Spanish so that I can experience the people and culture of Ecuador.  The foregoing benefits would have more than justified the time and money I invested in Super Thinking Super Spanish. And learning some Spanish was not the most important benefit I got from the course.

Prior to leaving the USA, I had felt for some time that the pace of life there was unhealthy for me (and for most people) and I did nothing about it.

I’ve thought about the pace issue during the course.  One of the key elements Merri Scott designed into Super Learning is placing the student in the optimal state for learning.

During the course of the day and night, humans experience four types of brain waves: alpha, beta, delta, and theta. It turns out we learn best in alpha state.  Research has shown that alpha state can be induced by meditation, listening to Baroque music (or any music that has about 60 beats per minute) and by taking a theanine (the active ingredient in green tea) supplement.

Getting into alpha involves slowing down and relaxing.  So, the class includes baroque music and guided journeys to support relaxation.  Imagine learning while relaxing and having fun. That’s not how I remember school!

The brutal truth: In recent years, I’ve rarely relaxed.   (No wonder I have high blood pressure!) and, suddenly, I’m aware of it. Why?

1. Since early April, I’ve been living in a small town in a country with a slower pace of life and I’ve been affected by it.  Positively, I’d say.

2. In class, the past three days, I’ve been re-introduced to guided journeys and introduced to the calming effects of Baroque music (www.sundaybaroque.org).  What a blessing! I’m inclined to make one or both a daily part of my life.   Rob Christi.  Cotacachi, Ecuador

Another attendee from a course wrote:   “I took this incredible class a few weeks ago, and I would like to tell anyone that is interested, that it is an amazing three days of learning with lots of laughs included. You leave everyday wanting to learn more and are so excited to do so.

“Other Spanish classes and tutoring made us feel like it would take forever to get to the point where we could put it into practice, but this method gave us a more fluent use for everyday life almost immediately AND the confidence to use it.  It is a fantastic way to show people how much they know and give confidence to learn and use Spanish creating a momentum.

“I liked how simple it made speaking Spanish. Shawn and Suzanne are amazing teachers.  They made learning Spanish easy and fun in a very relaxed, comfortable atmosphere.  I would definitely recommend this course.  Even if you know some Spanish, this helps make it easier because of the less stress that no verb conjugations gives you.  This gives you more confidence in yourself to try and speak it more.

 “The stress free atmosphere and tons of interaction and participation were very conducive to learning.  The relaxation techniques alone are worth the price. The fact that I can now feel more comfortable conversing in Spanish with my new friends and neighbors is priceless.  Muchas, muchas gracias.”

“I loved the relaxed environment.  I picked up quite a lot of new vocabulary.  I found this course very informative about how the language works, how I can make sentences and understand others better!  Muchas Gracias!  I had a call from Telcel (the local phone company) after our second class and I was able to speak and understand them for the first time. Despacio (meaning slowly) … a great word!  Everyone should take this course before they pick up bad habits.”

“I liked how simply the course was organized and the positive attitude about learning.  Thank you so much for helping me to learn Spanish!”

“I liked the laid back yet professional approach.  I highly recommend this new, relaxing method of learning Spanish,  I feel a lot more confident in the delivery of my words and sentences. It was taught in an excellent and very professional way.

“It was a very enjoyable class.”

How this Course Works in Just Three Days.

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

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

The article begins: WASHINGTON, D.C. — Many Americans don’t learn a second or a third language from birth, let alone a language that the CIA or U.S. Foreign Service might want. The situation has forced U.S. government agencies to learn how to cultivate the most talented second-language speakers from among college students with little to no other-language expertise.

“In U.S. education, we don’t develop early bilinguals,” said Catherine Doughty, a language expert at the University of Maryland.

Doughty spoke as part of a panel during the American Association for the Advancement of Science (AAAS) conference in Washington, D.C.

She and other speakers described the typical U.S. second-language program as being a series of disjointed classes where students often repeated what they had learned before.

“Imagine math [programs] where the middle school says, ‘We don’t have any idea about what you studied,’ so you learn it again. It’s the same with high school,” said Robert O. Slater, director of the U.S. National Security Education Program.

MY COMMENT.  This is why traditional Spanish courses often do not work.  They create two obstacles up front…conjugation and  memorization of vocabulary.  Super Thinking + Spanish avoids both these obstacles.

The article continues:  Finding the best.  Government agencies aren’t alone in trying to recruit multilingual speakers; U.S. corporations covet such skills for doing business in the era of globalization.

MY COMMENT:  This is why speaking Spanish adds value to each of us as a person.  We become especially useful in an increasingly global multilingual society.

The article explained how Doughty and her colleagues used tests to train up cognitive processes related to language learning, such as the ability to hold information in the brain while using it for learning.  The tests sought to predict those who can succeed despite everything stacked against them.

The article reviewed changes in the brain.  Lee Osterhout is a cognitive neuroscientist at the University of Washington in Seattle.  His lab used electrodes placed on the scalp to measure the electrical activity created by the signals of brain cells.  That allowed the researchers to see differences in the brain patterns among language learners and fluent speakers.  They found some surprising results:

The article pointed out:  Repeated studies of French language students showed that their brains responded differently to real French words compared with fake words after just two weeks of classes, even if the students themselves could not tell such words apart.   

“From knowing nothing to a little bit, [there are] huge changes in the brain,” Osterhout pointed out.  “[From] knowing a little to knowing a lot, [it is] much more subtle.”

MY COMMENT: This is why Super Thinking + Spanish works.   The three day course focus is entirely on making the huge change and ignores the subtle.  From there the perfection and subtle change.  The three day course prepares the learner to speak Spanish immediately and then make the subtle changes in their day to day life.

The article also said:  Another surprise came from studies of Spanish-speaking immigrants, because neither age nor language proficiency seemed to predict how quickly the immigrants picked up English.  Instead, the fastest learners showed both the greatest motivation to learn and a willingness to use English at every opportunity despite being bad at it (at first).

MY COMMENT:  This is the other reason why Super Thinking plus Spanish works.  This three day course gets the delegates speaking and thinking Spanish all the time so they can use and/or think Spanish every day… and communicating even from the beginning.  In this way, the education grows even when Spanish is not being spoken.

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

The first tactic is to use Baroque music in the learning process. At least three best selling books, “Superlearning”, the “Mozart Effect” and “Superlearning 2000” have revealed insights about how to learn and think more powerfully based on systems drawn from the Bulgarian educational master, Dr. Georgi Lozanov.  Merri Scott was among just a few who learned directly from Lozanov when he visited the USA.

The second tactic uses 17 unique lessons to provide Spanish fluency in a short time.   Let me prove to you how this tactic works by teaching you hundreds of Spanish words in less than 30 seconds.

Here is the proof.

“Most words in English that end in ION are almost identical, just pronounced differently.  For example action is accion, education-educacion, manipulation- manipulacion, etc.”

There you have it.  How long did it take you to read the sentence? You now know hundreds of Spanish words that you will never forget.

See examples of the words you already know below.

How long would have taken you to memorize all those words?   How soon would you have forgotten them?

This is just one of seventeen Spanish lessons in the course.

The next lesson teaches how to pronounce each of the nouns.

Then, the third lesson teaches almost as many verbs, almost as quickly.

The fourth lesson shows how to avoid conjugating verbs by sticking with the infinitive (far easier than it sounds).  This simple lesson leaves a person sounding like a Spanish professor without ever conjugating a verb.

Lesson five shows how to sound infinitely polite and yet get almost anything desired in Spanish.

Lesson six gives valuable connectors and the seventh lesson triples the Spanish capacity with three words for “yesterday,” “now” and “tomorrow”.

By the end of three days you feel comfortable speaking Spanish.

Plus the system is Impro Dynamic.  This means your Spanish keeps getting better even though you do not seem to be studying… practicing… or speaking Spanish.

I was amazed by this as I traveled back and forth from the USA to Ecuador.  The longer I was away from Ecuador… the better my Spanish became. My second language was automatically improving The self improving feature comes because you learn to create Spanish sentences rather than remember them.  The portion of the brain that creates is more powerful than the portion that recalls.   When your mind creates something… it owns it!  You do not have to remember .

During the course you learn 4005 Spanish words that you already know .  

You then learn how to create Spanish sentences from these words.

Throughout the course you learn how to pronounce the sentences you create.

When the course ends… the mind keeps working… and creating… so next time you begin to speak Spanish you’ll be surprised .  You improve even though you have not actively worked on your lingual skill.

Learn Spanish in Cuenca, Ecuador.  Super Spanish teacher, Rick Brown, will be teaching a Super Thinking + Spanish course in Cuenca, Ecuador  June 2, 3, 4 2017.

Rick Brown

rick-brown-canada-Spanish-course

Rick Brown Super Thinking plus Spanish teacher, lives in Cuenca, Ecuador and Toronto, Ontario.

Rick sent the note below.

Cuenca Inn

Cuenca Inn Courtyard.

I recently visited Bill Dixon at his Cuenca Inn B&B located at Don Bosco and Santa Maria Streets in Cuenca, Ecuador.  This is Bill’s third project in Cuenca and shows what a beautiful creation he can make.

The Inn itself is in a large home well back from the road.  It has four good sized guest rooms, two with bathroom en suite and TVs.

Cuenca Inn

There is  a wonderful large central covered courtyard with TV, a central fire pit and lots of plants.

Cuenca Inn

TV room for guests.

A guest living room with TV and big comfortable sofas adjoin the courtyard.

There is also a small bar area just off the courtyard  that we all enjoyed.  The Inn is very well appointed and the ambiance is warm and conducive to the comforts of a home away from home.  Internet/WIFI is good and is available to guests for long distance calling, along with pyre-loaded local cell phones.

Cuenca Inn

Cuenca Inn Dining Room.

At the same time I was visiting Bill, Neil and Inge (another retired couple) were there as well. We all enjoyed a great meal and hobnobbed about the state of affairs in North America for about three or four hours while enjoying a couple of bottles of wine.

cuenca inn

Cuenca Inn bar.

The Inn has a reasonably sized, fully equipped kitchen where breakfast is prepared. Bill created a superb dinner for us all including South African style BBQ Grilled Chicken with a very tasty vegetable casserole Au Gratin and an appetizer of his own design.  We had somewhat of an argument trying to name.  It consisted of layers of corn chips, peppers, cheese, chilies, some secret ingredients and was served with a wonderfully flavored home made red pepper jelly.  We finally settled on Bill’s Deep Dish Corn Chip Pizza as a name for it.  It was sweet and spicy,  crispy and very well balanced, well received by all, as was the rest of the food.

cuenca inn

Cuenca Inn Kitchen.

As I said previously we sat around the fire pit enjoying the conversation and the wine until well past 11 PM.  No one really wanted to leave but Bill had engagements in the morning and eventually we had to call it a day. Since the Inn is at a fairly major cross street we had no trouble hailing a taxi back to Ordonez Lasso where it turned out Neil, Inge and I all lived.

Bill and I had originally met in Oshawa when he attended our Super Thinking / Super Spanish course prior to coming to Cuenca.  He indicated that it had been a really good investment on his part as he had acquired the language basics he needed, and it gave him the confidence to make the change in his location and his life.

He actually attended the Super thinking / Super Spanish course twice about 3 months apart. He says he was amazed at how much of the first course he remembered on the second time around. He really threw his all into the course and got a lot out of both sessions.

Cuenca Inn

Cuenca Inn hosts, Bill Dixon (left), Michael and Deanna.

Cuenca Inn is offering  course delegates a 20% discount on room rates and a hearty and warm welcome to Cuenca.  You can make reservations or get further details  from Bill Dixon at billdixon700@hotmail.com.

That’s all for now except that you should come and visit Ecuador whenever you can. You will not be disappointed!

Enroll now and save.  The Super Spanish course is $499 ($799 couple) but in the Early Bird offer you save $150 when you enroll before April 1, 2017 .

Click here to attend both Super Thinking + Spanish June 2,3,4, 2017.  Super Thinking + Spanish $349.    Super Thinking + Spanish Couple $649.

Here are more testimonials from previous Super Spanish Courses.

Maggie wrote: It didn’t really seem possible that we would be speaking and understanding Spanish in only 3 days but the Bandick’s made it happen in a very supportive learning environment.  I would highly recommend this course for anyone wishing to learn “practical Spanish”.  The teaching methods, use of relaxation, the use of native Spanish speakers for pronunciation and the teachers themselves who were approachable and helpful and always positive made this a very valuable class.

This course improved my self confidence in my ability to learn and retain a language.  It was presented with genuine enthusiasm, great energy and the style of learning is very effective. Gracias!  It was a great experience.

Nadine wrote: “Just spent the last 3 days in the most wonderful learning environment learning Spanish.  What an amazing learning experience!!  First day out of class and I could not stop thinking in Spanish WOW!!  I am amazed by how much I learned, retained and how much more is showing up now that I am out of class.  And the best part is THERE WAS NO STUDYING!! Indeed this is Super Thinking!!!  I would highly recommend this to anyone that has ever had a desire to learn another language or learn anything in record time.

And a few days after that ….  As I went through my day, just hanging out with my son, I could see myself starting to think in Spanish.  At first I thought it was amusing but as it continued and increased I thought “My goodness this is really remarkable amazing” It was really an effortless unfolding.  I wasn’t at any point “trying” to think in Spanish, just words I knew would fly across the screen in my mind.  And then this afternoon, my son cuddled up on the couch to watch some cartoons on his ipad and was watching Peppa Pig in Spanish…hmm coincidence?  I think not, I’m radiating Spanish so much that my son is being influenced!  Thanks a million again.  This weekend the best learning experience of my life!!

If you have ever had a desire to learn Spanish this is the way to do it!  By the end of the first day I had more confidence and more practical ability than I had from any previous courses I had taken.  It was fun and relaxed and full of laughter.  You will leave this class excited to use what you have learned.  Rather than leaving overwhelmed with how much you have yet to learn and master, you are equipped with the knowledge and know how to go out and communicate as well as the excitement to do it!”

Gary noted:  “The whole approach is positive and conducive to learning at a level that benefits ALL participants.  It is not intimidating and does not set up a pass/fail atmosphere.  The presenters are terrific and the results unbelievable.  It was relaxed, informal, friendly and effective.”

Twila said:  “This class provided a very refreshing and relaxed way of learning.  The atmosphere felt very safe to say the words you were practicing.  I learned a lot in a way that will make it easy to apply.  Starting with conversation is way more fun.  How quickly you can learn!  It was a great group, great instructors and great stories.

The atmosphere in the classroom was so relaxed that learning Spanish felt like a breeze and not like a painful task.  The relaxation exercises are really conducive to language learning.  We learned A LOT in a short time and it was fun and the environment was non-threatening.”

Brigitte sent this:  “Buenos Dias, Suzanne. su clase de espanol es excelente! Muchas Gracias!  
I have already done what you suggested and went into the program listening to the music and going over the lessons.  I know: Repetition……reinforcement…..thinking in the new language….it’s all part of it.  I loved your course and will certainly recommend it to friends.  Who knows….I might feel the urge and have the opportunity to repeat it at your beautiful place in Puerto Aventuras…..Quien sabe? Hasta otro dia y saludos a su familia.”

Marie wrote:  “I would highly recommend this course.  The amount covered in 3 days is amazing!  All with no stress.  The correlation lessons and pronunciation practice has greatly reduced my anxiety to go out and use my Spanish.  I really enjoyed the whole process and thank you for the take away tools.”

Enroll now and save.  The Super Spanish course is $499 ($799 couple) but in the Early Bird offer you save $150 when you enroll before April 1, 2017 .

Click here to attend both Super Thinking + Spanish June 2,3,4, 2017.  Super Thinking + Spanish $349.    Super Thinking + Spanish Couple $649.

Gary

Here is the English translation of a few of the many Spanish words you now know and will never forget.  How long would it have taken you to memorize them?  How soon would you forget?

“Most words in English that end in ION are almost identical, just pronounced differently.  For example, action is accion, education-educacion, manipulation- manipulacion, etc.”

Some more of these words:  Combination, Attrition, Education, Vacation, Petition, Lotion, Motion, Construction, Abduction, Pronunciation, Concentration and a ton of others!

Enroll now and save.  The Super Spanish course is $499 ($799 couple) but in the Early Bird offer you save $150 when you enroll before April 1, 2017 .

Click here to attend both Super Thinking + Spanish June 2,3,4, 2017.  Super Thinking + Spanish $349.    Super Thinking + Spanish Couple $649.

(1) www.telegraph.co.uk Benefits-of-bilingualism.html

 

Ecuador Birding Business


Ecuador Birding Business

Ecuador birding is big business that can create a business opportunity for you… maybe even more.

Yesterday’s message looked at how birds reflect patterns of nature.  Perhaps this is why bird watching is such a popular sport.

Merri and I love watching Ecuador’s birds on the beach, the…

ecuador-birding

Frigate Birds as they swarm and…

ecuador-birding

pelicans sliding silently on a coastal cushion of air.

ecuador-birding

In the Andes the hummingbirds… flit into…

ecuador-birding

our hotel’s courtyard.

ecuador-birding

Ecuador’s Amazon has an abundant variety  of bird life as well.

ecuador-birding

Here is a reader’s question about birding in Ecuador… thoughts on where to see them… and how to profit from Ecuador birds.

The reader wrote: Does Cuenca have enough birds and rain forest for an avid nature lover?  I would want to experience these daily not just on weekends or occasionally?

My reply: Cuenca has some great birding nearby but is definitely not a rain forest.

Cuenca is more dry than wet.  The rain forests are a bit away.  In the nearby Cajas National park, there are more than 150 species of birds. There is a link on where to check for bird watching routes in Cajas.

There are even better places to watch birds. The closest is a cloud forest only an hour and a half from Quito in Mindo.

ecuador-birding

You can watch the clouds walk across the tree tops in the Mindo cloud forest.

Due to its critically important role in the conservation of numerous rare and endemic species, Mindo was designated South America’s first Important Bird Area (IBA) by BirdLife International in 1997. Mindo is an area of historic ornithological studies, where early collectors and ornithologists discovered or collected many species.

Mindo lies within the Chocó Endemic Bird Area (EBA) and Chocó Biogeographic Region, which is considered one of the world’s richest biogeographic areas. This area supports the largest number of restricted-range birds of any EBA in the Americas, over 50 species being endemic to the area.
ecuador-birds

The Cock of the Rock often observed in Mindo and Intag.

Mindo is also home to the greatest number of endemic montane birds of any place in the world (Birds of Ecuador, Ridgley and Greenfield).
2000-2005 Christmas Bird Count (CBC) – sponsored by the Audubon Society.  Mindo has been among the top three highest bird counts in the world for the last six  years. This is with over 2,000 locations participating. Each location is a 25 kilometer radius, and the count lasts for 24 hours. Mindo had the highest count in the year 2000 with 350 bird species recorded, and in past years has exceeded the 400 bird species mark.

This creates bird watching business opportunity.

Ecuador also offers many exciting export ideas based around bird life.

Our Ecuador export course helps you learn how to take unusual products, make them unique and then adapt them to a niche market.

Take for example this excellent botanical artist, Monteros.

We’ll see art from Montero.

P1030264

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

P1030283 P1030284

He did this wonderful piece for us. This painting is great art and is exportable as is…but…to my way of thinking this is just the beginning.

I took this piece and made it my business card!

ecuador-business-idea

My US address and number are on the reverse side. The art, color separations, printing and paper (recycled velum) are superb. These are the nicest business cards I have ever had.

Now comes the adaptation that makes this product utterly unique. One of our guests here is a globally known naturalist and birding guide. My suggestion is that he creates a program for his bird watching clients.

Monteros paints their favorite bird. The water color (or in oil) is theirs to hang in their office or home and then they also get business cards with the same unique picture.

We are seeing more and more success by delegates from our import export course.

Former delegate Bonnie Keogh built a successful Ecuador export business and now conducts our Ecuador export tours reports:

ecuador-exports-bonnie

Here is Bonnie with Consuelo at our hotel Meson de las Flores where our Ecuador export tour delegates stay.

Ecuador exports are a fun way to gain a second income, early retirement or build a substantial business. There is great opportunity and this type of business really helps the poor here as well.

It’s not often the case that a quick 1.5 hour drive takes you from a bustling metropolis to a virtually unspoiled nature reserve. Yet, that’s what you get in Ecuador. The country has 40 nationally protected areas, covering a staggering 12.2 million acres or 18.81% of Ecuador’s landmass.  And these protected areas do not even take into consideration the country’s numerous protected forests, known locally as “bosques protectores”. These represent natural reserve areas that are subject to a limited economic activity but whose primary purpose is the preservation of biodiversity and sources of natural springs and lakes. In a world where unspoiled nature is getting scarcer by the day, guess what is proving to be the biggest attraction of Ecuador’s tourism and expat sectors?

The other big attraction of Ecuador is the comparatively low prices.  Unlike in other countries, where properties in beautiful locations are already trading at a scarcity premium, Ecuador actually offers eco-properties at bargain prices.

Natural beauty and all that at bargain prices – how could an investor possibly go wrong with such a combination?

And because there is such a staggering array of nature reserves in Ecuador, you still have a chance to find one or the other truly undiscovered gem among the country’s protected regions. The kind of area that a few years down the road, people will say, “Oh, had I only known at the time so that I could have gotten in while it was still a bargain-priced ground floor opportunity.”

Learn more about our Ecuador export tour here.

Everyone has heard of the Galapagos Islands, the place that is now visited by 170,000 visitors per year.  Still, few people have heard of Mindo yet. Mindo is currently visited by just 20,000 foreign tourists per year. Type it into Google and you’ll notice that this place is only just being discovered. Our bet is that, the visitor numbers of Mindo will catch up with Galapagos.

Why?

First the cost difference is phenomenal.  Second, Mindo is a nature reserve wonderland that has few equals.

If anyone has ever even heard of the place, it’s usually because of the unusually high diversity among birds and plants. There are…

–    430 species of birds (more than on the entire North American continent; put another way, Mindo makes up 0.002% of the world’s land mass but 10% of the world’s bird species are found there)

–    370 species of orchids (out of the 4,000 species found in Ecuador, which makes it the country with the world’s highest number of orchid species)

–    300 species of butterflies

Mindo is actually a town, a river and an area. It’s 48 miles due northwest of Quito. The area is at 4,200 feet above sea level, which makes it the mid-point elevation between the highland Quito area and the coast.

Mindo is synonymous to harmony in nature.  It is a place for deep relaxation and provides an escape opportunity from modern-day life’s stress.  Yet, there is ample mobile phone coverage, Internet access and opportunities for community services.

Holidaymakers and tourist industry investors alike have recently started to realize what potential this area holds. The scenery appeals to photographers and explorers for its outstanding panoramic views. Eco-tourism in general is booming, and bird-watching in particular is one of the world’s fastest growing recreational activities. Many birdwatchers come from a wealthy demographic, i.e. it’s not backpackers who are pursuing this sport but well-off people in their 40s, 50s and 60s (or older).

Mindo is also a perfect area for anyone wanting to keep fit and entertained: Horseback riding, mountain biking, tubing and rafting can all be organized locally, just as much as you can go hiking, fishing and swimming. All this is set in a valley that is a subtropical cloud-forest and which is ideally situated between the upper temperate zone and the lower humid tropical forests. Mindo is made for tourism development.
It is ideally suited to invite your kids and grand-children on an adventure-filled excursion into the safe rainforests of Mindo, with activities such as hiking along trails, jumping off small waterfalls, river walking along the many streams, tubing down the major waterways, or just taking in the natural surroundings.

Best of all, it’s the natural playground of Quito. Most of the drive to Mindo is a scenic route on a well-maintained road. The government is continuously improving the area’s infrastructure, such as installing a new electricity distribution grid, improving the town’s police station and providing it with a new patrol car and motorcycles and by setting up an organic waste management facility. Private investors have started to move in. A number of weekend-home developments have sprung up, and new hotels and restaurants have opened. Nevertheless, Mindo is still a charmingly tiny and unspoiled village.

Mindo offers you all of the following:

– Owning a property set within pristine nature.

– A retirement home where you can afford staff, with first world health facilities just 90 minutes drive away in Quito.

– The ideal place in which to learn Spanish (or, where to give English classes to local children if you like volunteering work).

– Clean air, fresh water, fresh organic fruits and a de facto detox lifestyle without even having to pay a premium for it (costs of living are extremely low actually).

– Just about any outdoor sport you can imagine.

– Being in a bird-watching paradise year-round.

– Benefiting from Ecuador being an up-and-coming tourism and retirement haven (and from its new international airport in Quito).

– A base from where to explore Ecuador and South America

– And countless more aspects, which are best explored by doing a little tour of the area…

Yet, despite all its attractions, Mindo is still all a ground-floor opportunity. A yearly total of 20,000 foreign tourists is hardly noticeable. Investing in Mindo is a bit like investing on the French Riviera in the 1950s, buying a historic apartment in Venice in the 1970s, or a villa in Costa Rica in the 1980s. The attractions and the beauty are already apparent, but it has not yet become fashionable to have a property there and few people have heard of it.

Needless to say, this is the time to get in on the action.

This is why we included Mindo in our Quito/Mindo real estate tour.  As part of our Quito real estate tour, we’ll take you where Quiteños increasingly go to have a nice time with their family when they fancy a weekend break.

Mindo will become more accessible when the new airport in Quito opens in 2010.   This is why Mindo is likely to become one of the iconic cornerstones of the upcoming marketing campaigns of the Ecuadorian Ministry of Tourism. With its world class appeal, Mindo is bound to become better known.

What this means for property investors?

The formula is quite simple:

–    With growing local and international tourism, there is an opportunity to create rental properties for extra income.

–    Because of the purchasing power of nearby Quito, holiday homes in the Mindo area are set to increase in value over the years to come.

–    Anyone fancying the idea of living in unspoiled nature but with the hustle and bustle of a proper city nearby, should check out the option to actually live in the Mindo area.

The two areas are worlds apart in one way, but they are connected in many other ways. That is why we have combined a tour of Quito with a detour to Mindo.

Ecuador is a small country, and personal contacts go a long way.  That’s where Carlos Tobar comes in, the man who will be guiding the entire Quito/Mindo Real Estate Tour.

Carlos is assembling a preview list of available properties (including one special deal that has not been offered before). We’ll pass the list on to you as soon as it’s ready. You now know what’s special about Mindo in general. And you’ll soon get a much clearer idea about the kind of property deals available in this area.

Gary

Join us at a seminar or tour in Ecuador, Florida or  North Carolina… in 2010.

See details about each of our seminar and tours below… then see our December special that allows you to attend them all FREE.

For International Investing and Business.

For Super Thinking + Spanish

For Ecuador Shamanic Tour

For Ecuador Export

For North Andes, Imbabura & Cotacachi

For Manta & Mid Coast

For Quito & Mindo

For Salinas & South Coast

For Cuenca

Join us all year long… seminars and tours in North Carolina Florida and Ecuador.   Gain hge discounts by attending multiple seminars tours.

We just added four South coast Ecuador tours that can help you gain extra savings with a multi tour pack.

These extra tours create a dilemma for me. See how below.

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

These four new south coast tours and our six pack tour price create a bit of a crisis here.

As you can see above a six pack costs $3,099.  This is already a really low price for a tour that last up to 21 days (under $150 a day).

But as you will see below, our International Club membership which allows you and a guest to attend up to 56 courses and tours in 2010  (fees would be $40,947 for all these courses individually) is only $2,999.

Which would you choose… 6 courses and tours for $3,099 or those same 6 courses and tours plus 50 more for $2,999?

“Duh,” I said when this was pointed out to me.

So our only solution is to raise the International Club membership to $3,500… still a terrific deal… but $501 more than before.

Save $37,457…plus $501.  I will not raise the International club fee until January 2010. Enroll in the International Club now at the original fee of $2,999.

International Club 2010

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

International Club 2010 Membership Enroll here

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

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

Join us in February or March.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

International Club 2010 Membership Enroll here

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

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

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

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

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

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

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

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

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

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

Gary

International Club 2010 Membership  Enroll here

Here is a link  to check  for bird watching routes in Cajas National Park.

Cotacachi Real Estate Progress


Cotacachi real estate has a new positive bent.

One benefit of Cotacachi real estate is the beauty of Mt. Cotacachi and Mt. Imbabura.

cotacachi-real-estate

Mt. Cotacachi towering above the village.

Ecuador-real-estate

This rich agricultural land provides the community well.  Yet their beauty contains a weakness as well.  The splendid views are wonderful as Ma and I know as we hike these mountains often.

cotacachi-real-estate

Yet the views have attracted developers who can create a commercial benefit by building houses and condos on this agricultural land that has been used by the indigenous to farm and graze for millennia.

A reader recently sent this note about the recent article at our site, Ecuador Real Estate Search:

Gary, 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.

The Shamans haven’t seemingly influenced the western need to conquer, and one can see from the architecture in the new buildings that the old western mind is still very much intact, and unchanged.  God help Ecuador survive the western mind and invasion.

This reader has a good point. Conquered is not a very good word and that word and the romantic cultures have clung to this cultural concept since they were uttered, the Spanish, the British, the French and now the North Americans.

Adapt and evolve might be better words and philosophies for the world’s good.

Technology and population growth pretty well assure further integration of the global economyand this is good… if  we learn the best from one another.  Share ideas and ideals.  Enhance and respect one another’s cultures as we merge.

Merri and I feel strongly about this and though we have done a lot  (the growth of humanity will cause a continuation of the evolution of the global market) to introduce North Americans to Ecuador, we overtly and subtly work hard to make the integration a better one than the Europeans had in North America.

In the thirty years we have lived abroad, Merri and I have never lived with other Americans. We lived in the local community and always felt our horizons broadened.  Plus we hope we enhanced our neighbor’s lives as well.

As more and more of our readers settled in Cotacachi, we began working with Cotacachi elders several years ago to bring the locals and expats closer together.  Our first effort was support of the Cotacachi World Football Cup (what the elders suggested attracted the greatest number of local population).

cotacachi-real-estate

I was given the honor of  pinning the pennant on the Queen of the event.

cotacachi-real-estate

Merri kicked out the first ball.

cotacachi-real-estate

Here is Merri speaking with the leader of the community.

cotacachi-real-estate

We chatted on how we can all help one another better.

cotacachi-real-estate

We also have our adopted village… Topo Grande where we help out the school. here we are having dinner with a family there.

cotacachi-real-estate

This is our godson, Kinti Anaki, (King of the Hummingbords) with his mother and…

cotacachi-real-estate

dad.

cotacachi-real-estate

We also deeply honor the local wisdom and feature numerous shamanic tours to help our readers learn more about the ancient wisdom.

One of our efforts in this way has been worry over developments on the agricultural hills above Cotacachi.

There are at least three such developments I know of and we have long feared that this type of developments could create problems with the indigenous community.

The warnings are now coming to fruition.  Recently there was a meeting in Cotacachi due to concerns about water rights and pollution created by these developments.  Last week the community met for the first time regarding concerns of developments in the agricultural lands above Cotacachi.

Our events coordinator, Alberto Verdezoto, attended the meeting and reports:

Sr. Gary,   I went to the meeting of the mayor and representatives of different communities around Cotacachi.  Some people have started asking the new administration in Cotacachi, what they will do about the expat growth.

The answer given was that the administration will protect the environment and provide support to the poorest, support to ecotourism and viability.

The mayor gave a historical overview of the whites and how for many years they discriminated against the comunidades (local indigenous), but today there is good cross-cultural exchange among the mestizo and indigenous.

The City Council reported that they have been having very informal meetings among themselves, about the positive and negative of the arrival of foreigners, who are coming to live in Cotacachi and surrounding areas.

The main concerns of the municipality are:

That foreigners are located in rural areas, close to the city.

The people living in Cotacachi and communities are concerned, because foreigners buy land at high prices and thus Cotacachenos and the natives may not in future buy back a property. These high prices, harm families planning for a future purchase.

The sale by farmers of land at high prices affects the social-economic harmony and and the appearance of the indigenous worldview.

The mayor also stated that the government has a land acquisition program, for awarding the Indigenas, that they are engaged in agriculture, but as farmers sell their land at high prices, this interferes with this program.

He also stated that the previous administration, did not plan for the arrival of foreigners in Cotacachi.  He said that the municipality has the power to create municipal ordinances to protect the good life of all citizens, both local and foreign and planning controls and even prohibit development projects affecting the social, economic and cultural development of the area.

He talked about how the property taxes that are being charged are very low, but these will be revised according to economic facts based on water, electricity, telephone costs.

The municipality is conducting a territorial reorganization plan, to plan for better integration of land use. He also suggested creating an office of appraisals to help people who want to buy property, so they know the real value of the property. This he suggested could help stop price gouging.

There will see future meetings with municipal authorities, representatives of the local communities and new residents to  address these issues and create projects for better integration of the cultures,

Regards,  Alberto Verdezoto Vallejo

Political and business leaders have spoken with me about these concerns for some time and finally this first public forum can help make everyone aware of these concerns.

Rising Ecuador real estate prices are not rising just because of North American immigration. The wonderful fact is, as the global economy solidifies we can all find it easier to live, work and do business in nice places.  This means that nice places will attract more people and prices will rise.

We see this fact with rising prices in the Blue Ridge.  Many locals complain how we Floridiots (the name given to us Floridians who have moved to the Blue Ridge) have pushed up local prices.

Merri and I watched Naples real estate skyrocket because it was a nice place.  Many old time Neapolitans had to pack up and leave because they could no longer afford the inflated prices.  I lived in London for years and return there often… where real estate prices are among the highest in the world.

Are London real estate prices so high because Londoners who have lived there long term have pushed up prices? Not a chance.  London is a nice place in many people’s view so wealthy people from many other nations buy property in London. This causes the prices to rise.

Ditto for Wales.  The Welsh have long demonstrated and created havoc over the fact that Londoners buy weekend cottages and push their prices up.

This phenomenon is not new. I lived in Hong Kong in the late 1960s and early 1970s and watched real estate demand soar… because for many reasons Hong Kong is a nice place to be.

Ecuador is a nice place and right now prices are low.  This fact will continue to attract Americans, Canadians and we see Europeans, Aussies and Kiwis coming as well.

No one likes inflation… but global government deficit spending, growing global populations and technology make real estate inflation in nice places  a fact.  If the gringos did not come to Cotacachi and buy real estate, the people of Quito would… and in fact they also do.

However it is wise for immigrants in Ecuador or anywhere to respect the local community and merge gently with friendliness, grace, humility and willingness to compromise, adapt and blend in.

In the Imbabura Province cooperating with the indigenous is pretty important.  Many foreign legions have visited these areas we call Cotacachi with just the thought “conquer” on their minds… from the Inca to the Spanish…  and the Japanese (Mitsubishi tried mining there and failed because of local opposition).

The local culture is still here… strong… vibrant… proud.  Thank God!

The Canadian Ascendant Mining Company tried to ignore Cotacachian protests and environmental concerns.  This is the result of their arrogance… the remains of their headquarters.

cotacachi-real-estate

This happened in Chalguayacu Bajo, Cotacachi County, Ecuador, in 2005.   The Ascendant mining camp was completely destroyed,  an act by more than 300 local people from approximately 20 communities from the area.  There were no thefts of company goods. No one was hurt. The people made their will known.

It is our prayer that the many North Americans coming down will take heed and respect and work with the local population.

First, this is the intelligent thing to do.  We drown in health, social and economic problems in North America.   Local Ecuadorian wisdom often offers a better way.  Their food is better… their culture friendly and easy going.    Ecuadorian lifestyles and philosophies have much to offer.

I suspect that North Americans will have to learn to respect Cotacachi’s  wonderful culture the hard way.

Hopefully wisdom, cooperation and the municipality will lead a better way…. but if not there could be some tension.

To ignore and try to impose a new will upon a solid majority is crazy.   The reader mentioned above above wrote: “God help Ecuador survive the western mind and invasion.” So for over the last 500 years, They have done pretty well on their own.

Gary

Join us in Ecuador or Florida or Both. 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 at our upcoming courses and tours.

Enjoy extra savings with our special early bird fees (Due to our being unable to answer email for the past ten days, I have extended this offer until December 10.)

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. 15-18     Coastal Real Estate Tour $499 Couple $749
Jan. 19-20    Quito-Mindo Real Estate Tour  $499 Couple $749
Jan. 21-23    Cuenca Real Estate Tour  $499 Couple $749

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 $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

Cuenca Boutique Hotel


A great Cuenca boutique hotel is the Boutique Hotel Mansion Alcazar.

Boutique Hotel Mansion Alcazar is a beautiful sample of the unparalleled Ecuadorian Republican luxury style. The 19th-century house was restored to its original splendor and has been designed to be a home for visitors staying in the city for business or for pleasure.

The hotel looks a lot like our hotel Meson de las Flores from the outside.  Here is Meson.

ecuador-business-hotel

Here is Boutique Hotel Mansion Alcazar.

ecuador-business-hotel

But Boutique Hotel Mansion Alcazar is much more luxurious inside.

ecuador-business-hotel

This is true luxury.

ecuador-business-hotel

Our good friend of over a dozen years, Jorge Espinosa (one of the owners of the Relais & Chateaux La Mirage Garden Hotel & Spa) used his talents to renovate this charming hotel.

See other Cuenca hotels offering discounts to Ecuador Living subscribers at Cuenca Hostels.

Ecuador Living subscribers can enjoy a discount staying at the Cuenca hotel. More details on how to subscribe are here.

The global economy may throw you some curves… but there are ways to hit economic home runs anyway. We look forward to sharing ideas for profits in this new economic paradigm with you.

Join us in Ecuador or Florida or Both. 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 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 $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 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 B&B Search


There are many Ecuador B&B opportunities around… but you must think of one important factor as you search for an Ecuador Bed and Breakfast.

A reader recently sent me this note:

We are Canadians with some savings and a desire to leave the rat race  behind and enjoy a higher quality of life.  We are 36 & 39 years old and would love to move part-time or full time to Ecuador.  Nature, rain forests, cloud forests, birds and animals of the region are of high interest to us.  We also love the idea of Cuenca, a colonial city.  Due to our age we could not retire but would need to work and have some income.  From what I read it sounds like we would need less than $10,000 annually to live a modest lifestyle.

We definitely would not want to hire a gardener, driver or housekeeper which sounds very commonplace.   We are thinking of buying a 3,000-4,000 square foot house and turn it into a bed and breakfast with a small cafe and gardens.   We are thinking of coming down in the next 2-18 months to purchase a place.  We need advice in putting this dream into reality.

I figure the B & B would need to be in downtown Cuenca or in the region above Quito somewhere.  I was also surprised when you told the story of the man who owned the 14 room small hotel but did not even make $1,000 per month which meant he barely ever had a room rented.

Our biggest problem is for our employer to give us any time off from work .  It`s not possible to have any unpaid leave.

Our group real estate tours to make your search more efficient.  We’ll conduct over 40 of them in 2010.

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 ?.

My reply began “I think you’ll get a better price by taking your time… not rushing.”

Yes, it is possible to live on $10,000 a year in Ecuador.

See how Canadians Larry & Shirley live for $700 a month at Ecuador Cost of Living is Low.

Larry & Shirley moved into their new condo at Vistazul last year, just 133 steps from the beach.

Ecuador-cost-of-living

Plus it is possible to have a bed & breakfast in Ecuador BUT…  see below the importance of marketing.

There are plenty of B&B opportunities.  Here is a property offering a B&B opportunity.

Montanita-ecuador-real-estate

This is a new, large house with stunning views, and two bedroom guest house, located just two minutes walk from the center of Montanita, Ecuador.

See more at Ecuador B&B Montanita Ecuador Beach Income.

Here is another B&B opportunity, an Ecuador bed & breakfast for sale with a very low asking price (shown below).

Ecuador-bed-&-breakfasts

Ecuador-bed-&-breakfasts

Hammocks and pool plus…

Ecuador-bed-&-breakfasts

many wonderful features. Room to expand.

Ecuador-bed-&-breakfasts

Even a pool.

Ecuador-bed-&-breakfasts

The seller is asking $90,000.  See more at Ecuador beach bed & breakfast for sale.

Here is another B&B potential with a $60,000 asking price.  This is an old hostel next door to Vistazul condos.

Ecuador-Coastal-tour

Here is our latest group inspecting this hostel,which is one block from the Ecuador’s Pacific.

ecuador-real-estate-risk

This place has a huge front porch.

ecuador-real-estate-risk

Large second floor veranda with ocean views.

ecuador-real-estate-risk

Beautiful flowered front yard.

ecuador-real-estate-risk

The building is really rough and needs work…but over 8,000 square feet of building.  See more at Ecuador Beach Hostel

Here is a Bahia Ecuador hostel for sale near this promenade.

Ecuador-Coastal-real-estate-condo-view

This Bahia hostel is next to this park.

ecuador-coastal-park

It’s a small hostal…

Bahia-Ecuador-hostal

with this view.

ecuador-coastal-view

See more at Bahia hostel for sale

Learn how to get in touch with the sellers and brokers of the Ecuador B&Bs for sale above with our Ecuador Living Service.

But the question is, can an expat with an Ecuador B&B or Ecuador hostel make any money?

The answer is… as with all businesses… marketing is a really important factor.

The 14 room hotel that the reader above asked about was in an out of the way place and the guy had no relation with travel agents nor a web site or any advertising at all.

Yesterday’s message showed how a subscriber has just developed this Cuenca Ecuador hostel.

cuenca-ecuador-hostel

This owner is out hustling… contacting services like ours offering discounts to our readers to get business started.  When Merri and I bought Meson de las Flores, it was empty most of the time.  We had to write about the hotel and talk to seminar promoters and travel agents to get the business coming in.  It has taken a couple of years with a lot of work to build up the occupancy factor.

If you plan to have an Ecuador B&B… the first question to ask… AND ANSWER is where will and how will I market to get my guests?

Join us in Ecuador or Florida or Both. 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 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 $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

Smalltown USA – Revisited


Smalltown USA – Revisited

Finally we get to revisit Smalltown USA.

Over these last seven years, we have learned to respect and heed our intuition even more.

When logic and intuition come together, it is a beautiful event that goes beyond wealth… calm… richness and fulfillment.

As Merri and I begin our 42nd year of international investing and business seminars and publishing, we gain great comfort and enthusiasm from the  feel of how our efforts in this last seven year cycle progressed. 

You’ll also be happy because this progress creates extra value and some enormous savings for you.

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

Yesterday’s message looked at how the broader measure of unemployment in the US is now 17.5% and why living in Ecuador can help those who want to retire or are unemployed.   That message also reviewed the importance of seven year cycles in human affairs.

So let’s continue looking at seven years points of interest.

Seven years ago this site also began a “Great Places to Be” series that focused on Ecuador BUT ALSO looked at Smalltown USA.

We began to zero in on Cotacachi Ecuador, Ashe County North Carolina and places like Lake Placid, Florida and Bucksnort, Tennessee as great places to live and invest.

Here is an article that we posted seven years ago in 2002 about Lake Placid in Central Florida as a great place to be.

One reader who read that article shared with me that he really cleaned up from that advice.  He invested in orange groves in that Central Florida area and evidently his profits soon exceeded his investment.

We however grew so busy in organizing our Ecuador efforts we had little time to keep up with Smalltown USA beyond fixing up our farm here in the Blue Ridge.  Smalltown USA in Lansing, North Carolina by the way might be a misnomer. Perhaps microtown USA?  We love isolation!

Now after seven years of progress, our properties in Ecuador and North Carolina are in pretty good shape.   Our associates are now running things well in both places north and south.  This allows Merri and me to broaden our horizons and expand our Smalltown USA efforts to places like Lake Placid.

We can enjoy helping our readers in Ecuador, but also help those who cannot or do not want to come to Ecuador now.  We can help them in Smalltown USA North Carolina and Florida.

The benefit for you is that we can now serve you during the winter in Florida. Our North Carolina summer and autumnal seminars are great… but when we began conducting seminars in North Carolina, we tried one winter seminar.  The seminar hall and accommodations which we built to look like barns are fantastic in the summer, but in the winter they looked…

ecuador-savings

like this instead.

ecuador-savings

Water froze.  Cars stuck. Delegates were distinctly chilled.  Talk about a learning curve!

Now we have purchased an orange grove on…

ecuador-savings ]

a lake in…

ecuador-savings

Smalltown USA, Central Florida.   This is a nice lake and a pretty good grove as well… I think. My orange grove experience equals my hotel management experience when we bought Meson de las Flores, our Cotacachi hotel… in other words-zero.

Yet we keep matching our hunches with our logic and the results this next seven years will be interesting to see.  This is how we like business… as an adventure. The fun comes from not knowing, learning, growing and meeting the challenge!

We conducted international investing and business seminars in Florida Smalltown USA for years when we lived in Naples, Florida… until Naples was no longer a small town.  We fled and headed south to Cotacachi and north to the Blue Ridge.

We are back! We have chosen Mt. Dora as our small town this time… another little piece of paradise that most have missed.  I am stunned when talking with Floridians to find how many have never been there… and often do not even know where it is.

For the record, here is a map…. showing the 50 miles or so to Disney World and Orlando.

ecuador-benefits

This is a charming town that sits on a huge lake over 7000 acres.

Here is a shot from the website of the Lakeside Inn in Mt. Dora.

ecuador-benefits
The inn’s website says:

A ‘National Historic Treasure’, listed on the National Historic Register, we have continuously operated as an Inn for more than 125 years, the oldest operating Inn in Central Florida.
 We are located 40 miles Northwest of Orlando in the charming shopping village of Mount Dora, the “New England” of Central Florida.

Mount Dora is the Antique Capital of Florida, where the Renninger’s Twin Markets draw thousands to their Antique Mall and Flea Market, along with downtown Art Shows, Craft Fairs, Music Festivals, Theatre, Antique Shows, Classic Wooden Boat Shows, Sailing Regatta’s and Holiday Lighting Ceremonies and Parades.  The Captain Doolittle Eco Tours and Mount Dora Trolley leave right from the Inn for your daily excursions!

Here are shots of the Inn from its website.

ecuador-benefits

That 50 miles between Orlando and Mt. Dora makes a world of difference.  This entire mid Florida area offers some incredible bargains. Take for example this listing Merri just received… a three bedroom, two bathroom house on a lake with a guest house. We track these listing and this started in the $400,000s. Now the asking price has dropped to $199,000.

ecuador savings

Our seminars in Mt. Dora WILL NOT  be about Florida real estate… but about International Investing and Business and Super Thinking. However when you visit us in Florida… if you like investing in real estate, I suggest that you take a look and we will be happy to put you in touch with brokers we have found helpful.

There you have… expanded horizons. In 2010 we serve you in Ecuador… Florida and the Blue Ridge. We look forward to meeting you in Mt. Dora.

Gary

Meet us in Florida and the Blue Ridge, yet see the best Ecuador property to0 with Split Sessions in North and South America.

Our new split session seminars help those who have asked to attend courses but who cannot make it to Ecuador right now.  These courses… both our International Business & Investing and Super Thinking + Spanish seminars will have the first session conducted in Central Florida (Mt. Dora) or the Blue Ridge in North Carolina.   Then those who choose the second optional session can travel to Ecuador for the remaining real estate or shamanic minga tours that follow immediately after the first session.

Find the best real estate offers.  Know more of Ecuador. To help encourage our split sessions and help you experience a bigger adventure in Ecuador  we are providing deep discounts in 2010 for those who sign up for multiple tours.

In 2010 you can save  to $359 on 2 seminar courses & tours   $  998 Couple  $1,399
Save up to $698. 3 seminar courses & tours      $1,399 Couple  $1,799
Save up to $1,047. 4 seminar courses & tours   $1,699 Couple  $2,199
Save up to $1,599. 5 seminar courses & tours   $1,999 Couple  $2,599

Early Bird Extra Savings. All delegates who enroll for a December 2009 or January through March 2010 course during this month, November 2009 save up to $200 more.

Save up to $200 more. 2 seminar courses & tours $  949 Couple    $1,199
Save up to $200 more. 3 seminar courses & tours   $1199  Couple   $1,749
Save up to $300 more. 4 seminar courses & tours   $1,399 Couple  $2,149
Save up to $400 more. 5 seminar courses & tours   $1,599 Couple  $2,499

2010 will be a truly exciting year in Ecuador…. more tours in more places. For the first time it is possible to get a feel for all of Ecuador in one continuous tour.

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

December 9-10 Imbabura Real Estate Tour

December 11-13 Ecuador Coastal Real Estate Tour

Attend all three and save up to $698. 3 seminar courses & tours   $1,199 Couple  $1,749

2010

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

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

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

Save with our early bird multi tour discounts.

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

Save up to $359.     2 seminar courses & tours    $949 Couple  $1,399

Save up to $698.     3 seminar courses & tours   $1,199 Couple  $1,749

Save up to $1,047.  4 seminar courses & tours   $1,399 Couple $2,149

Save up to $1,599.  5 seminar courses & tours   $1,599 Couple $2,499

Ecuador Amazon Problem


Many readers sent me an article from Agora Financial entitled “The Chevron Witch Trial: The Changing Face of Resource Nationalism” about the Ecuador Amazon problem and the ensuing Chevron lawsuit.

See why these Ecuador export tour delegates are creating earning potential and doing some environmental good.

ecuador-flower-exports

Many readers sent me notes similar to this: Gary, I wondered if you’d seen this and were familiar with the case, given your knowledge of and interest in Ecuador?  It sounds pretty scary and doesn’t reflect well on Ecuadorian justice and its authorities, if it’s true. You might want to comment in one of your messages as I assume other of your readers have also seen this matter reported. Regards

The recent article seemed to blame the Ecuadorian government for the problem and has some good points.

Here is a portion of that article:

Ecuador-legal-system

As mentioned the article had some valid points.

However…

We are very familiar with this story which is very, very old news going back into the 1970s.

We have lived with the Amazonians and spent quite a lot of time with the shamans there. Here I am with a Sierra Sion healer.

In fact we built a camp to help a small community of Amazonians who wanted tourism rather than oil revenues to support them.  We lost the entire investment when the FARC invaded that area.   Learn more about our Amazon trips and the Amazon village.

So I see the plight of the Amazonians as well.

I drive a car fueled with gas. I heat my home with electricity and use electricity that may come from diesel fueled generators and buy products delivered from abroad brought to me on ships propelled by their fossil fueled oil bunkers.

So there are two sides to this story.   Quite correctly the emails I have received are, half from this type of article and half from the environmentalists and humanitarians who say Chevron has cheated the poor natives of the Amazon.

See information on the other side from Amnesty International entitled Chevron (CVX) in the Amazon  Oil Rights or Human Rights? Texaco’s legacy, Chevron’s responsibility

Newsweek wrote a good article about this Amazon lawsuit over a year ago that has a balanced view.

If you Google the phrase “amazon chevron lawsuit” you’ll see dozens of articles about this… looking at both sides of the picture.

Plus there are many who argue that this has nothing to do with Chevron or Ecuador but the US legal system that encourages attorneys to file lawsuits like this.

One article “The Chevron Ecuador Lawsuit: It’s all about the Indigenous Peoples of the Amazon Basin says:  Sure it is. The 48 so-called plaintiffs or the 30,000 indigenous people we hear so much about in the media aren’t the financial beneficiaries in the law suit. The money goes to the Amazon Defense Coalition (ADC) and the law firm of Kohn, Swift & Graft.

So who is the culprit… the oil companies?  The Ecuador government?  The lawyers or we the people who use fossil fuels?

Our hearts personally go out to the poor people of the Amazon who are slowly being destroyed by civilization.

Yet we see the business view and we do like a warm home and to travel by car.

Plus if it were not for resource exploration and extraction many, many more people would be poor.

Yes, business does exploit.

There is a similar tales of bad exploitation in the part of Ecuador where we live, not with Chevron but with Ascendant Copper Company.

And another with Mitsubishi Mining.

This is because we the consumer buy their product.

Now another dilemma has bubbled up… with pharmaceuticals.

An October 17 Associated press article “Ecuador’s Correa plans to bypass drug patents” says:  President Rafael Correa says he is preparing to override a host of drug patents to provide lower-priced generic medications in Ecuador.  Correa says Ecuador will seek “compulsory licenses” from companies to produce medications considered indispensable.  Under World Trade Organization rules, countries can issue “compulsory licenses” to disregard patent rights, but only after negotiating with the patent owners and paying adequate compensation. Governments can skip the negotiating by declaring a public health emergency.  Correa says access to medicine is a human right and his decision is motivated by “the philosophy of 21st century socialism.”

When I recently noticed this I was really pretty happy to see this.

Merri and  do not use pharmaceuticals ourselves but recognize the importance they play in many people’s lives.  I consider a lot pf pharmaceutical marketing one of the biggest con games in this generation… makes Madoff pale in comparison.

It is hard for me to have sympathy for this industry as I believe that many pharmaceuticals are bilking the US public.

Already many of our readers come to Ecuador to get their prescriptions at a quarter the US cost.  This hopefully will allow this to continue or do even more.

However…

Where does it end?  If patent law loses its validity what incentive will anyone have to risk investing in new inventions and ideas?

So what can we… the little guy do?

There is not much we can do…  but if we all take some small steps, these rivulets become streams that can turn into torrents that do create change.

In Merri’s and my case, we created a small foundation Land of the Sun (LOTS) to help the environment and the poor of Ecuador.   The foundation rejuvenated the hotel Meson de las Flores which now provides a nice number of jobs at above average wages.  Our 2009 project was helping the Village of Topo above Cotacachi with its infrastructure, school and water system.  Also, LOTS sends a dozen children to school and university in our area…including the first university student from Topo.  In the past, we brought water to indigenous villages and an 80,000 gallon reservoir, schools, reforested 250,000 trees and etc….all off the Avenue of the Volcanoes.

LOTS promotes Ecuador flowers… those grown in green plantations certified by Veriflora.

We promote the ideas of having an internet business that sells exports from Ecuador to help stimulate the Ecuador economy… and to help North Americans who find they need new avenues of income.

Here are delegates at our most recent Ecuador export tour…

ecuador-flower-exports

learning…

ecuador-flower-exports

how to conduct…

ecuador-flower-exports

an Ecuador flower party.

In another way we were early advocates of green investing in the mid 2000s through our Spottingtrends.com site and mutilicurrencyinvesting.com where we launched our Green Portfolio Study in 2006.

This is one reason why we focus on green investing and business ideas.
See http://www.garyascott.com/2008/04/01/2064.html

Here perhaps is the most important message.  Self interest is nature’s way of making sure every sentient being remains alive.  Only we human’s  have an imagination to understand the risks of ungoverned expansion.   All other life forms, given the chance will grow themselves out of existence.

Due to the conflict of our vision and this natural self serving impulse, we know that consumers will tend buy what seems most comfortable to them in the short term.

We know that big business will often take advantage of this fact and exploit, without conscious, resources to serve this impulse.

This conflict creates huge problems.  Huge problems create great opportunity… so look for small ways you can serve yourself now and help the future.

Let the big guys fiddle around with their battles while we each do the best we can… trying to make positive environmental and humanitarian statements and changes through the way we live enjoying earning, investing and living in the sun each day.

Gary

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

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

December 9-10 Imbabura Real Estate Tour

December 11-13 Ecuador Coastal Real Estate Tour

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

Our multi seminar-tour discounts have grown!

See the 2010 winter schedule below.

2 seminar courses & tours

3 seminar courses & tours   $1199 $1,749

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

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

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

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

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

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

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

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

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

This course can help you create your own internet business.

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

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

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

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

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

Even Better Get All three Courses Free

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

Here is another Ecuador export delegate at Hilana. Learn about and see more Hilana export products below.

Internet-export-idea

Micro Web Business Clue


Here is a micro web business clue… have a really tight niche in your internet business.

Internet-export-idea

Many readers learn how to have an Ecuador export and internet business. Here are delegates at our October 2009 Ecuador export course visiting the Hilana factory which makes a variety of textile products from Llama wool and cotton.

This is also why we are sharing a free course on how to create your own website without a webmaster written by Michelle Toole. Here is the 39th lesson in this FREE course.

The Power of a Super-Tight Niche
By Michelle Toole

When building a web business, ‘niches’ are where it’s at. You ask what’s a niche? Well a niche is web site idea or concept that addresses a particular target audience and the key is to find that sweet spot where you have high demand and low supply or competition.  Match that with your passion and the perfect set of web business building tools and that equals success.

But the question is what if your target audience is really small, low supply, low demand, should you still consider building a web business around a small or ‘super tight niche?’

Logically one would say no, a high demand, low supply niche drives large amounts of targeted readers/buyers to your site which means money in your pocket.  So why would someone deviate from a successful e-commerce formula?  Good Question and the simple answer is that at times a ‘super tight niche’ can be just right especially if it’s your passion!

Freeing yourself from the typical niche formula, low supply and high demand can open up some very tiny niches that one would otherwise overlook. If time is limited, passion is high, and the monetization model fits well, there are indeed times when a ‘super-tight niche’ can make perfect sense financially.

Let’s say that your web site niche concept has a demand of less than 1,000 which means less than a 1,000 people search for that term each month which is pretty small.  And there are around 250,000 pages containing that niche keyword, which is limited competition.  Should you say “Yeah” or “Nay” to that site concept?  Well it’s a challenging question and the key is in your monetization model.  If you are fairly confident that your planned monetization model(s) can support a narrow niche, meaning minimal traffic and you have a high return on investment per sale then ‘Go for it!’

Advantages to a Super Tight Niche

So what’s the first advantage of a super-tight niche?  A fast rise to fame.  With your focused content, optimized pages, and quality in-pointing links you win the keyword battles at the engines quite quickly.

With less competition it will be easier to find you in the search engines meaning you can rank higher sooner. And that means the faster your web site appears on the first page of Google.  Keep in mind, though, that while you will get traffic faster, you will max out your market that much faster as well. Your monetization plan must be rock solid and a natural fit.

You don’t need a lot of traffic if your monetization method includes a ‘very high return on investment’ (ROI). If your business is mortgages on Hollywood or New York City real estate, you may only need 100 customers a year to earn a very comfortable income.

The second advantage of a ‘super tight niche’ is the devoted following (i.e., your target market). If your content is excellent (which it has to be in a tight niche), your passion is real and your writing is appealing, you’ll win a loyal PREsold audience. In fact, the more passionate and knowledgeable you are, the stronger will be your audience’s attraction and attachment to your site which if you have a solid monetization model leads to that all important sale.

And finally and most importantly is that with a super tight niche your traffic tends to convert more easily into click-throughs and sales. This is because the visitors who are seeking information using your super tight niche keywords know exactly what they are looking for and generally it is something very specific. And that ‘specific need’ will be the basis of your monetization model.  Your visitors will be ‘highly targeted traffic’,  just the kind you want!

Bottom Line… A decently written “tight site” is a shoe-in to score well and generate super-focused traffic. Even though you’ll hit your max more quickly than wider niches do, what you “gain” overall more than compensates; a solid business that brings you both income and pleasure as you interact with people who share the same passion.

Gary

How We Can Serve You

How to Have Real Safety

Regain Real Security

There is a path to true security.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

However he had already moved on.

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

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

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

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

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

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

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

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

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

A PIEC Experience

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

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

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

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

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

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

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

#1: Do What You Love!

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

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

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

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

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

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

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

But where do we start?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

#3: Integrate your earning and investing. 

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

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

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

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

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

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

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

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

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

Plus there are broken promises.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Multi dimensional opportunity earns in numerous ways.

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

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

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

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

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

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

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

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

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

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

That was a deal that few overseas investors could refuse.

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

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

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

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

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

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

Three Layer Financial Plan

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

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

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

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

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

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

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

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

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

#4: Find your Anchor of Value.

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

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

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

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

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

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

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

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

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

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

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

The story contains three valuable tips.

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

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

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

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

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

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

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

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

The Fever

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Most passive country index ETFs have minimal cost structures.

#5: Keep costs down. 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

We should know what all our fees are.

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

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

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

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

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

We offer two courses for attaining financial security.

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

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

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

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

Learn Slow, Worry Free, Good Value Investing

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

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

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

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

#1:  Current book to price

#2:  Cash flow to price

#3:  Earnings to price

#4:  Average dividend yield

#5:  Return on equity

#6:  Cash flow return

#7:  Market history

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Save $457.95 if You Act Now

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

Triple Guarantee

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

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

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

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

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

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

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

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

Here is an Ecuador export delegate at Hilana.

Internet-export-idea

Learn about and see more Hilana export products below.

ecuador-exports

Hilana products are one of many great Ecuador exports… the warmth of wool but the softness of cotton.  Merri and I love our Hilana bedspreads (we have them in many of the rooms at our hotel Inn Land of the Sun (formerly Meson de las Flores),  shirts and coats.  The minute the temperatures drop here in north Carolina we don our Hilana shirts like this one.

Here is a Hilana bedspread at our hotel eson de las Flores.

Ecuador visit

You can check out Michelle’s Toole’s web sites at http://healthy-holistic-living.com and http://home-remedies-and-natural-cures.com.

To get more great tips, like the ones above and to see how and what tools she used to create a successful on-line business go to http://sitesell-sbi.com

Internet Business & Freedom


An internet business can set us free.

Technology and a global economy allows us to enjoy our business where the sun shines for us.

Broadband has really allowed me to be free with my internet business.

ecuador-internet-business

I do have a very nice office… with a wonderful desk given to me by a friend when he moved from NC to Ecuador!  Honestly I rarely use it.

I like to move around while I work and technology means… I can!

At one stage Merri and I lived in a really remote part of Ecuador… 45 minutes off the highway down this road.

ecuador-internet-business

Our hacienda was at the tip of this bluff.

ecuador-internet-business

This was my front room view.

ecuador-internet-business

We lived with a Taita Yatchak and his apprentices and had no electricity  and no cell phone coverage. I charged my laptop from our old Land Rover. Once a week we drove into town, downloaded messages, sent and picked up email.

Seem strange?  Technology allows our internet businesses to give us even more freedom than this as is explained in a recent USA Today article entitled “Your office: At home, in a tent, or something more formal” by Laura Petrecca.

The article first tells about Katy Leakey who operates jewelry business from a tent in Kenya.  She uses VOIP phone calls, e-mail and Skype to run a global business.  She lives with the Maasai in the Kenyan bush yet sells her jewelry online and in U.S. retail stores.  She turns her passion into profit and also helps the world since she reinvests a portion of her business income in local projects, roads or schools to help the people of Africa.

internet-business

At times a table in the sunny courtyard of our hotel Meson de las Flores is my office.

The USA Today article reviews other mobile internet businesses. Here is an excerpt:  Kathy Levinson’s office environment is vastly different (from Katy Leaky).  The real estate agent works in a 10-foot-by-12-foot refurbished storage closet in the basement of her Port Washington, N.Y., home. She made the windowless office cozy by adding carpet, fresh paint and soft lighting. Leakey and Levinson are part of a surging group: business owners who work from home or in remote or mobile offices. Nearly 9% of all North American adults operate a business out of a home, according to Forrester Research. And the number of people who work remotely will continue to increase worldwide, according to research firm IDC.

Many factors will contribute to the continued growth of remote working. They include technological advances, the desire for more life/work balance and the desire of retiring Baby Boomers and older adults to keep working for personal and financial reasons.

“Folks in their 60s, 70s and 80s have 35 or more years (of life) to enjoy and pay for, but not everyone wants to be a greeter at Walmart,” says Joanne Pratt, a futurist and researcher who has studied the effect that technology has on home-based businesses. She expects many in these age groups to operate businesses from home. “That gives them the luxury of enjoying so-called retirement while keeping a hand in and earning income.”

Laptops, broadband make it possible!

Levinson and Leakey have disparate careers, work styles and offices. Yet they credit the same necessity with enabling them to run businesses on their own terms: technology.

Souped-up laptops, speedy broadband Internet connections and low-priced global phone plans have helped empower millions of people to ditch traditional office settings and run businesses from their homes, cars, vans or even a tent.

Small-business owners now have access to “more powerful tools that used to be available only to large enterprises,” says IDC mobile enterprise research analyst Sean Ryan.

Lower costs, no commute.

There are many lifestyle benefits to running a home-based business: no commute, working in sweatpants and the array of readily available food in the kitchen refrigerator.

There are also some financial benefits. Home-based businesses take in less revenue than businesses that lease space, but they keep more money because there is no rent or other expenses that go with leasing, according to Pratt’s research for the U.S. Small Business Administration’s Office of Advocacy.

I love our bubbling creek so sometimes stroll to our deep woods office on Little Horse Creek and work there.

internet-business

7 Fundamental Laws of Your Own Internet Business

Knowing this ancient wisdom gives seven steps to calling on a vast pool of inner intelligence that we can combine with the wonders of modern technology. This combination leads us easily and stresslessly to a healthier and more enjoyable way of creating income and wealth.

#1: All Investments are Controlled by just a Few Natural Laws

Step to take: Look for fundamental economic laws which serve society rather than just for hot investments.

“The ideals which have lighted my way to face life cheerfully have been Kindness, Beauty and Truth. The trite subjects of human effort-outward possessions, outward success, luxury have always seem to me contemptible.” Albert Einstein

#2: All Natural Laws of Economics are Dynamic

Step to take: Look beneath the balance sheet.

“What have you in your houses? And what is it you guard behind fastened doors? Have you peace, the quiet urge that reveals your power? Have you remembrance, the glimmering arches that span the summits of your mind? Have you beauty, that leads the heart from things fashioned of wood and stone to the holy mountain?  Tell me are these things in your houses? Or have you only comfort, and the lust for comfort, that stealthy thing that enters the house as a guest, and then becomes the host and then a master?  Ay and it becomes a tamer and with hook and scourge makes puppets of your larger desires. Though its hands are silken, its heart is of iron. It lulls you to sleep only to stand by your bed and jeer at the dignity of the flesh. Verily the lust for comfort murders the passion of the soul and then walks grinning in the funeral.” Kahil Gibran

In Western society, we are fooled by triple illusions of material wealth. These illusions are net worth, balance sheets and money. These are measures that never show true wealth and can change quickly.

Such undependable measures of wealth lead to never-ending restlessness. They are like looking at a picture of a picture of a picture and treating this picture as if it were real.

We look at how all business are ideas and how dynamic nature is so too must our business be.

#3: All Wealth is Within

Step to take: Listen to your inner intelligence.

“The course of human history is determined not by what happens in the skies but by what takes place in our hearts.” Sir Arthur Keith

#4: All Economic Laws are Ruled by Cause and Effect

Step to take: Learn to give.

“It is truly one of the most beautiful compensations of life that no man can sincerely try to help another without helping himself.” Ralph Waldo Emerson

#5: The World’s Economy has Infinite Abundance

Step to take: See the infinite possibilities.

“Water is everywhere around you but you see only barriers that keep you from the water.” Rumi
#6: All Economic Laws are Simply Energy and Desire

Step to take: Give attention to intention.

“Put your heart, mind, intellect and soul even to your smallest acts. This is the secret of success.” Swami Sivanada

#7: The Only Certainty is Change

Step to take: Embrace change.

“Do everything with a mind that lets go.” Achaan Chah.

When in Cotacachi, I work from our studio and watch the sunrise over this view.

ecuador-internet-business

When on Ecuador’s coast I work on the balcony of our beach front apartment and watch the sunset.

ecuador-internet-business

We live in miraculous times.  The current economic downturn moves us along… to where we really want to be.  Ancient wisdom and modern technology take us from there.

Merri and I hope that every step of your journey is blessed.

Gary

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

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

This course can help you create your own internet business.

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

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

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

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

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

Even Better Get All three Courses Free

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

Head south to Ecuador!

Oct. 21-24 Ecuador Import Export Tour

Oct. 25-26 Imbabura Real Estate Tour

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

December 6-8 Beyond Logic Shamanic Tour

December 9-10 Imbabura Real Estate Tour

December 11-13 Ecuador Coastal Real Estate Tour

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

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

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

Read  Your office: At home, in a tent, or something more formal