Tag Archive | "Merri"

Salinas Ecuador Real Estate Tours


We are adding four Salinas Ecuador real estate tours to our 2010 schedule.

Mar 28-29. 2010
May 28-29, 2010
Sept 20-21, 2010
Nov 22-23, 2010

Enroll here  $499 Couple $749

(when you enroll, please state which dates you will attend the tour)

See how to save on multi tours below.

Delegates gained so much useful information on the October 2009 southern Ecuador beach tour that we have added this tour as a regular part of our 2010 multi tour adventure.

We have been our expanding our focus in Ecuador and this helps readers look in the southern coastal areas.

Ecuador beach property has always represented incredible value and this expansion means we can help readers see a much larger part of the Ecuador coast.

ecuador-beach-map

Those who have been reading our messages for any length of time know that we have focused our efforts on the middle portion of Ecuador’s beach from Manta to Bahia in the province of Manabi.

However there are many other great Ecuador beach areas that you may want to visit.

I recently sent readers an article “SEE SALINAS LIKE A LOCAL” by Amy Pinoargote  that said:

Ecuador-beach-salinas

The Salinas Malecon area has long been a favorite destination.

Salinas is one of the favorite in Ecuador for good reasons.  It has beautiful beaches, with calm waters perfect for swimming, water sports, activities or just relaxing.   Along the Malecon, or beachfront promenade, you will find a variety of restaurants, hotels, bars and other attractions.  During the summer season there is even a giant sandcastle.  If you “tip” the sculptor $1, he will take your photo.  However, to really enjoy all that Salinas has to offer, you need to get to know it like a local.

Ecuador-beach-salinas

Pose for a photo by the giant sandcastle

Salinas at a Glance

There are two seasons in Ecuador.  Summer runs from December to April and winter from May to November.  The summer in Salinas is usually sunny, with occasional showers.  Daytime temperatures reach the low to mid 80s and nighttime temperatures run in the low 70s.  The winter tends to be overcast to partially sunny, but not rainy.  The winter is actually the drier time of the year and temperatures run about 10 degrees cooler than during the summer.   Because Salinas is semi-arid, it doesn’t experience sticky, tropical humidity.  This makes a comfortable environment for outdoor activities all year long.

As with most beach towns, the dress code in Salinas is casual.  It is perfectly fine to go from beach to restaurant.  Along with your swimsuit, pack plenty of shorts and short sleeved shirts, plus pants and long sleeves if you are visiting in the winter months.   Have a sweater handy, as some days are cooler than others.

Where to Eat

The Salinas area is a prime spot to enjoy fresh fish and seafood, as well as other Ecuadorian specialties.

A great spot to sample those specialties is Delícias de Ecuador, located near the entrance to the Costa de Oro neighborhood on the main road that runs from Salinas to La Libertad.

Prices here are very reasonable.  The daily lunch special or “Almuerzo” includes a soup, entrée and beverage, usually priced at $2.50.

Don’t ask for changes or substitutions on the lunch special; it comes the way it is.  Other options include Seco de Pollo, which is chicken stewed in a tomato-based sauce, and Menestra, lentils or beans served with your choice of grilled chicken, beef or fish.

If a relaxing lunch at the beach, complete with a hammock for a post-meal siesta is your style, drive about 30 minutes north of Salinas to San Pablo.  In this fishing village you will find cabana style restaurants right on the sand, specializing in fresh fish and seafood.

Las Manabas restaurant is one of the best.  If you can’t decide what to order from the extensive menu, try the Chupe de Pescado (fish stew) or Corvina (a mild tasting sea bass), cooked to order.  Most meals run between $3 and $5.

Ecuadorians typically eat a big meal at lunch and a light dinner.

Roca Parilla is the spot to enjoy an Ecuadorian style dinner.  Located a block off the Malecon, it opens at about 6 p.m.  Place your order at the counter, then take your receipt to the grill.  Specialties, which are typically priced from 50 cents to $1 each, include:

Chuzos -shrimp, chicken, beef or sausage grilled on a skewer
Torta de Papa – potato pancake filled with cheese
Torta de Choclo – corn pancake (this one is usually a favorite!)
Muchín – a yucca croquet filled with cheese

No trip to Salinas is complete without a visit to the Cevicherías, casual outdoor eating areas a few blocks off the Malecon that specialize in ceviche.  Shrimp ceviche in a tangy salsa is a good choice.  Shellfish and fish ceviche are also available.  Be aware that the shellfish or fish will not be cooked in the traditional manner.  The citrus juice in the salsa is said to “cook” the fish.  If you have concerns about eating uncooked fish, go with the shrimp version, which is cooked.

Things to See

If you want to browse for souvenirs, visit Mercado de Artesanias, an outdoor flea market in the Chipipe area of Salinas, where you can buy a variety of Ecuadorian handicrafts.

To get a glimpse of days gone by, visit the Museo de Sumpa.  This small, but well thought out museum features exhibits of artifacts from the early residents of the Santa Elena peninsula, including the Las Vegas culture.  It also features a Las Vegas burial site of the “lovers of Sumpa,” mummified remains of two people that appear to have died in an embrace.  You can also tour a cane dwelling typical of those built by the early settlers.

Enjoy a relaxing evening drive a few miles across the Santa Elena peninsula to the Punta Carnero beach, where you can see some of the most beautiful sunsets in Ecuador.  On your way back to Salinas, pass by the Malecon of La Libertad and stop for an evening stroll.

Ecuador-beach-salinas

Whether dining, sunsets or beach activities are your idea of a fun time, you will find it in Salinas.

Ecuador-beach-salinas

Gerardo & Amy Pinoargote spend their time between their home in Florida and Salinas and together with relatives are building and managing Spondylus II, a small beachfront development in the Costa de Oro area of Salinas, about 2 miles from the Malecon.

This is an area they like due to its privacy, great beach for walking, sunbathing and water sports. Yet it is just a short ride to dining and shopping in the central area.

Spondylus II  is a family business consisting of three towers. Tower A1 is sold out, except for a ground floor ocean front 1000 square foot unit. Several one and two bedroom suites are still available in tower A2, priced from $49,500 to $50,500.

Larger 1300 square foot units are also still available, priced under $110,000. Tower B has just been release for sale and features larger units (1400 – 1500 square feet), in the $120,000 – $135,000 price range.

Spondylus II offers the following amenities… beachfront pool & social area, a workout center, 24 hour security and the Pacific Ocean as a front yard.  All units feature granite kitchen counter tops, tile floors, tile baths, inset ceiling light fixtures and wooden kitchen cabinets.

Now it is possible to see Salinas like a local with Amy and her husband acting as your hosts and guides.

Amy and Gerardo Pinoargote will conduct four Ecuador southern coastal real estate tours for us on the following dates.

Mar 28-29. 2010
May 28-29, 2010
Sept 20-21, 2010
Nov 22-23, 2010

On this tour you can get to know Salinas property and the real estate along the beaches north of Salinas.

This is an opportunity to view more than a dozen properties and get tips from experts who are living in this area right now.  You save time, risk and zero in with help from those “in the know”.

The tour makes your real estate investigation efficient and productive but also allows time for relaxing in the evenings and enjoying the beaches.  Plus as you’ll see in a moment could save you thousands should you ever decide to buy in this area.

Here are a few of the properties you’ll see:

•    New 2 bedroom condo located directly on a tranquil beach in popular Salinas… $55,000.

•    3 bedroom, 3 bathroom house with ocean views in the most popular complex in Olon…. $100,000.

•    Large house on a ¼ acre lot near Montanita, complete with basketball court, ample parking and caretaker’s cottage that could be a bed & breakfast… $250,000.

Here is an example of the type of Salinas coastal beach condos for sale you’ll see. This was viewed on the October Ecuador South Coast Real Estate Tour.

This is a property on the tour where the tour operator is offered a 2% discount to Ecuador Living subscribers who are on the tour.

Amy Pinoargote who led the tour wrote:   This is a 5 bedroom townhouse for resale in Spondylus I.  It is listed at $79,000.  It is a small complex with cobblestone streets and a nice pool area.  It is about 1/2 a mile from the beach, conveniently located to shopping.

salinas-condo-for-sale

Living area

salinas-condo-for-sale

condos

salinas-condo-for-sale

Project

salinas-condo-for-sale

stairs to condo

salinas-condo-for-sale

pool

salinas-condo-for-sale

Salinas sunset

salinas-condo-for-sale

beach

salinas-condo-for-sale

Kitchen

Here is the schedule for the March 28-29 tour.

On March 27, 2010. you should travel to Guayaquil and on to Salinas.

Day one of the tour begins on March 28. After breakfast property in the Salinas area is viewed.

On day two after breakfast, Ruta de Sol and Olon properties are inspected  (Ballenita to Montanita), lunch and return in the evening to Salinas

On Sunday, March 30, you can return to Guayaquil.

See how to save even more on multiple tours below.

The tour package includes all property tour travel from Salains back to Salinas but does not include your flight, travel from Guayaquil to Salinas, food or accommodations.   You should plan to fly into Guayaquil on March 26 and depart from there on March 31.  If you are attending the Cuenca real estate tour which ends March 26, we’ll help you join this tour with other delegates.

Save 2% on real estate purchase.

We are promoting this tour in cooperation with Gerardo and Amy  and when we promote outside tours, we always ask for the tour operator to give something special to our Ecuador Living subscribers.

In this case,  Amy & Gerardo will provide Ecuador Living subscribers a 2% discount on any  Spondylus II condo purchase. This is possible because we do not accept real estate commissions and ask that the benefit of exposure to our large readership (this message will reach over 18,453 readers) be pass onto our Ecuador Living subscribers.

Here is a Salinas Ecuador coastal update sent to us by Amy Pinoargote.

salinas-picture

Ecuador is known for the Galápagos Islands, the Andes Mountains and the Amazon Jungle.  Did you know that it is also home to the westernmost point in continental South America – the “Chocolatera,” at the tip of the Santa Elena Peninsula in Salinas?

This carries strategic significance. During the World War II era it was home to an American military base.  Now it is occupied by the Ecuadorian armed forces.  However, that doesn’t mean that it is closed to the public.  Visitors simply need to check in at the main gate, where they are asked to leave their driver’s license with the guard.  It will be returned when you check out.  Don’t be alarmed that the guards wear fatigues and carry guns.  Keep in mind that this is normal dress for a military base.

There are no signs or billboards announcing that you have arrived as far west as you can go.  Instead follow signs for the Chocolatera.  You will know you have arrived when you see a black and white lighthouse.  In Spanish chocolatera refers to the container used to make hot chocolate, which is whisked until foamy.  It is said that the waves crashing against the rocky shoreline look like the foam on top of hot chocolate.

salinas-picture

Be sure to wear sturdy shoes.  The terrain is rough and rocky.  Pay attention when you venture towards the edge.  Large waves can suddenly top the cliffs and could even knock you off your feet.  The Ecuadorians say, only half in jest, that if the fall onto the rocks below doesn’t kill you, the sharks lurking in the area will.

Before leaving the base, travel a short distance east from the Chocolatera to the Mar Bravo beach.   It is marked with a sign and lined by a row of tiki huts on the sand.  Surfers say this is the place to find the best waves in Salinas.   This secluded beach is also the perfect spot for a stroll or just to relax and enjoy the sound of the surf.

salinas-picture

During the Ecuadorian winter (North American summer) the rocky outcropping at the eastern end of Mar Bravo beach becomes home to a group of sea lions.

salinas-picture

You will get the best view from the elevated observation area.  And be sure to take your binoculars or use the zoom on your camera to get a closer look.

No matter what time of year you visit Salinas, make sure to include the Clocolatera in your itinerary.

Save with Multi tours.

Learn more on how to save with multiple tours to Cotacachi Imbabura, Ecuador’s coast, Cuenca and more.

Join us on Ecuador’s coast this winter.   Attend our seminars and tours in Florida and Ecuador. 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.

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

Enjoy extra savings with a multi tour pack.

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

Economic turmoil today will create more future prosperity then ever before…for those….who accept change and adapt.

This is why we bring together experienced, like minded souls, who take a positive view and think outside the box..in a constructive…thoughtful way.

Merri and I are in our 41st year of organizing courses, seminars and newsletters about international and quantum lifestyles.

The importance of this sharing…by like minded souls…was reinforced when a delegate from a course sent an email that said:

My Dearest Merri and Gary, Thank you for your most gracious hospitality last weekend. I am just thrilled at being a part of your group. You and Gary were exactly as I imagined you to be, warm friendly, kind, considerate, genuine, helpful, fun, sincere, what else can I say……I felt so comfortable in your presence and learned so much in your course. I was sad to leave the farm that Sunday afternoon. You made us all feel so welcome and cared about.

You were so kind to make arrangements for a ride with the other delegates from the Charlotte airport. They were so nice to me and so helpful, by the time the weekend was over I felt like they were my long lost brothers. Monday morning we all had breakfast at the airport together and I was so sad to see them go, I was sad the weekend was over, perhaps sad is not the right word for how I was feeling perhaps Gratitude is a better way to describe it. Grateful for having the opportunity to share the weekend with such wonderful, like minded Human Beings, in the beautiful mountains of North Carolina. Thank you Merri and Gary…………..Thanks to you I now have new hope and a new direction to move forward in my life. Thanks to you I am so ready to move to Ecuador and begin a new life. I just have to figure out what I am going to do and how to do it……… I know by attending your classes and conferences that through education and due diligence I will make the right choices.

This delegate’s comments about “belonging and feeling like a brother” to the other delegates is a wonderful refrain we have heard from our readers, year after year.

This why I want to share how you can attend 56 of our investment, business, Spanish, real estate and export, courses, tours in 2010 worth $40,947.

20 years ago Merri and I created a way that readers can join us to be immersed in a year-long learning program through our International Club.  The ideas behind this program began 21 years ago in Vienna, Austria while we were conducting a course there. One of our older delegates, had some sort of attack. The first fear was heart trouble. Several delegates took him to the hospital. Others stayed with him there. I don’t think that delegate was alone for a minute!

What impressed Merri and me was that no one asked the delegates to help this man. The friendships of delegates sharing many courses had just grown so strong that it was a natural reaction, just as if a family member was ill. Fortunately, it was only travel fatigue and the delegate didn’t miss a session of the course!

When you join our International Club 2010 you become part of a special family. The very first member to join the club all those years ago wrote,

“Thank you for the enjoyable and informative courses. I am pleased to be part of your international family and look forward to continuing my education at the next course.”

His feeling struck a familiar chord. It has always been one of my greatest satisfactions to see how much fun delegates have getting together, sharing information and making friendships. These courses somehow draw together like-minded souls. For this reason some delegates come back again and again. They come to learn, but also to be with their many friends made at the courses.

When like-minded souls get together again and again to discuss a common purpose, magic happens! I can’t explain it in any other way-but it is true. In a way our meetings are almost like family reunions. Perhaps it is getting together and reflecting on what has been said and what has been happening. Learning with those who are also interested in the world creates thoughts that multiply the value of what we gain. This is hard to describe but results are most powerful and wonderful!

This is to me is as important as the great financial benefit of attending 52 courses that would cost $40,947 if all booked separately.

See why and our 2010 schedule below.

We started and have continued this program for 20 years because there are wonderful benefits from having repeat delegates at courses. Having repeat delegates makes the whole course somehow more exciting for all. Being a repeat delegate makes it easier to make and keep wealth and to lock in the knowledge you gain. It’s an exciting lifestyle. We have fun, gain adventure, discovery and friendships and share ways to improve our health and wealth!

We have more than doubled our courses in 2010… 56 courses and tours, two in the Blue Ridge of North Carolina, three in Central Florida and the balance in Ecuador.  Few club members actually attend every course and tour…  but you can if you desire. If you attend even a few of the courses, you gain considerable savings.

For those not interested or unable to visit Ecuador, we have our North Carolina courses in the summer when it is cool here in the Blue Ridge Mountains and don’t forget the autumnal beauty in October…. plus in Florida during the winter.  Each US course is attached to an Ecuador tour so you gain information in the US and then travel with others to Ecuador for experience (if you desire).

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   ($499 or couple $749)
Jan. 13-14     Imbabura Real Estate Tour  ($499 or couple $749)
Jan. 16-17     Coastal Real Estate Tour  ($499 or couple $749)
Jan. 19-20    Quito-Mindo Real Estate Tour  ($499 or couple $749)
Jan. 22-23    Cuenca Real Estate Tour  ($499 or couple $749)

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

Feb. 11-14   Quantum Wealth Florida – International Investing & Internet Business, Mt. Dora, Florida ($749) Couple $999
Feb. 15-16   Travel to Quito
Feb. 17         Travel to Manta
Feb. 18-19   Coastal Real Estate Tour ($499 or couple $749)
Feb. 20        Travel to Cotacachi
Feb  21-22   Imbabura Real Estate Tour ($499 or couple $749)
Feb. 23-24  Quito-Mindo Real Estate Tour ($499 or couple $749)
Feb. 25         Travel to Cuenca
Feb. 26-27   Cuenca Real Estate Tour ($499 or couple $749)

Mar. 11-14     Super Thinking + Spanish Course Florida ($749 or couple $999)
Mar. 15-16    Travel to Quito and Andes
Mar. 17-18     Imbabura Real Estate Tour  ($499 or couple $749)
Mar. 19-20    Cotacachi Shamanic Tour  ($499 or couple $749)
Mar. 22-23    Coastal Real Estate Tour   ($499 or couple $749)
Mar. 25-26    Cuenca Real Estate Tour  ($499 or couple $749)
Mar. 28-29   South Coast Real Estate Tour ($499 or couple $749)

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

International Club 2010


International Club 2010 Membership  $2,999 (Until January 2010)  Enroll here We just added four Salinas Ecuador real estate tours to our 2010 schedule. Mar 28-29. 2010 May 28-29, 2010 Sept 20-21, 2010 Nov 22-23, 2010 This increases the total number of tours and courses we will conduct and sponsor in 2010 to 56 and allows our readers to Enjoy extra savings with a multi tour six pack. 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 this six pack tour price however creates 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 Economic turmoil today will create more future prosperity then ever before…for those….who accept change and adapt. This is why we bring together experienced, like minded souls, who take a positive view and think outside the box..in a constructive…thoughtful way. Merri and I are in our 41st year of organizing courses, seminars and newsletters about international and quantum lifestyles. The importance of this sharing…by like minded souls…was reinforced when a delegate from a course sent an email that said: My Dearest Merri and Gary, Thank you for your most gracious hospitality last weekend. I am just thrilled at being a part of your group. You and Gary were exactly as I imagined you to be, warm friendly, kind, considerate, genuine, helpful, fun, sincere, what else can I say……I felt so comfortable in your presence and learned so much in your course. I was sad to leave the farm that Sunday afternoon. You made us all feel so welcome and cared about. You were so kind to make arrangements for a ride with the other delegates from the Charlotte airport. They were so nice to me and so helpful, by the time the weekend was over I felt like they were my long lost brothers. Monday morning we all had breakfast at the airport together and I was so sad to see them go, I was sad the weekend was over, perhaps sad is not the right word for how I was feeling perhaps Gratitude is a better way to describe it. Grateful for having the opportunity to share the weekend with such wonderful, like minded Human Beings, in the beautiful mountains of North Carolina. Thank you Merri and Gary…………..Thanks to you I now have new hope and a new direction to move forward in my life. Thanks to you I am so ready to move to Ecuador and begin a new life. I just have to figure out what I am going to do and how to do it……… I know by attending your classes and conferences that through education and due diligence I will make the right choices. This delegate’s comments about “belonging and feeling like a brother” to the other delegates is a wonderful refrain we have heard from our readers, year after year. This why I want to share how you can attend 56 of our investment, business, Spanish, real estate and export, courses, tours in 2010 worth $40,947. 20 years ago Merri and I created a way that readers can join us to be immersed in a year-long learning program through our International Club.  The ideas behind this program began 21 years ago in Vienna, Austria while we were conducting a course there. One of our older delegates, had some sort of attack. The first fear was heart trouble. Several delegates took him to the hospital. Others stayed with him there. I don’t think that delegate was alone for a minute! What impressed Merri and me was that no one asked the delegates to help this man. The friendships of delegates sharing many courses had just grown so strong that it was a natural reaction, just as if a family member was ill. Fortunately, it was only travel fatigue and the delegate didn’t miss a session of the course! When you join our International Club 2010 you become part of a special family. The very first member to join the club all those years ago wrote, “Thank you for the enjoyable and informative courses. I am pleased to be part of your international family and look forward to continuing my education at the next course.” His feeling struck a familiar chord. It has always been one of my greatest satisfactions to see how much fun delegates have getting together, sharing information and making friendships. These courses somehow draw together like-minded souls. For this reason some delegates come back again and again. They come to learn, but also to be with their many friends made at the courses. When like-minded souls get together again and again to discuss a common purpose, magic happens! I can’t explain it in any other way-but it is true. In a way our meetings are almost like family reunions. Perhaps it is getting together and reflecting on what has been said and what has been happening. Learning with those who are also interested in the world creates thoughts that multiply the value of what we gain. This is hard to describe but results are most powerful and wonderful! This is to me is as important as the great financial benefit of attending 52 courses that would cost $40,947 if all booked separately. See why and our 2010 schedule below. We started and have continued this program for 20 years because there are wonderful benefits from having repeat delegates at courses. Having repeat delegates makes the whole course somehow more exciting for all. Being a repeat delegate makes it easier to make and keep wealth and to lock in the knowledge you gain. It’s an exciting lifestyle. We have fun, gain adventure, discovery and friendships and share ways to improve our health and wealth! We have more than doubled our courses in 2010… 56 courses and tours, two in the Blue Ridge of North Carolina, three in Central Florida and the balance in Ecuador.  Few club members actually attend every course and tour…  but you can if you desire. If you attend even a few of the courses, you gain considerable savings. For those not interested or unable to visit Ecuador, we have our North Carolina courses in the summer when it is cool here in the Blue Ridge Mountains and don't forget the autumnal beauty in October…. plus in Florida during the winter.  Each US course is attached to an Ecuador tour so you gain information in the US and then travel with others to Ecuador for experience (if you desire). 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   ($499 or couple $749) Jan. 13-14     Imbabura Real Estate Tour  ($499 or couple $749) Jan. 16-17     Coastal Real Estate Tour  ($499 or couple $749) Jan. 19-20    Quito-Mindo Real Estate Tour  ($499 or couple $749) Jan. 22-23    Cuenca Real Estate Tour  ($499 or couple $749) Arrival dates are always one or two days earlier. Please double check with us before booking flights. Feb. 11-14   Quantum Wealth Florida – International Investing & Internet Business, Mt. Dora, Florida ($749) Couple $999 Feb. 15-16   Travel to Quito Feb. 17         Travel to Manta Feb. 18-19   Coastal Real Estate Tour ($499 or couple $749) Feb. 20        Travel to Cotacachi Feb  21-22   Imbabura Real Estate Tour ($499 or couple $749) Feb. 23-24  Quito-Mindo Real Estate Tour ($499 or couple $749) Feb. 25         Travel to Cuenca Feb. 26-27   Cuenca Real Estate Tour ($499 or couple $749) Mar. 11-14     Super Thinking + Spanish Course Florida ($749 or couple $999) Mar. 15-16    Travel to Quito and Andes Mar. 17-18     Imbabura Real Estate Tour  ($499 or couple $749) Mar. 19-20    Cotacachi Shamanic Tour  ($499 or couple $749) Mar. 22-23    Coastal Real Estate Tour   ($499 or couple $749) Mar. 25-26    Cuenca Real Estate Tour  ($499 or couple $749) Mar. 28-29   South Coast Real Estate Tour ($499 or couple $749) 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 Manta June 30-Jy 1 Coastal Real Estate Tour  ($499 or couple $749) July 3-4          Imbabura 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  $3,500 Enroll here

2010 Ecuador Seminars and Tours Schedule


Here is our updated 2010 Ecuador seminars and tours schedule including changes made for February 2010.

This is our 41st year of conducting seminars and tours and 15th year of helping our readers in Ecuador.  Yet every year we learn how to make our service better for you.   We keep improving the ways we can help you.

This year we are providing three International Business and Investing seminars… three export tours… two Super Thinking + Spanish courses… Four Shamanic Mingas plus 39 real estate tours… plus three brand new Quantum Wealth Seminars.

Take a look at our 2010 schedule. Then see the other big improvements we have made for 2010.

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

Jan.   8-11     Ecuador Export Tour
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
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. 25         Travel to Cuenca
Feb. 26-27   Cuenca Real Estate Tour

Mar. 11-14     Super Thinking + Spanish Course, Mt. Dora, Florida
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

Apr. 12-15   Ecuador Export Tour
Apr. 17-18   Imbabura Real Estate Tour
Apr. 20-21  Coastal Real Estate Tour
Apr. 23-24  Quito-Mindo Real Estate Tour
Apr. 26-27  Cuenca Real Estate Tour

May  13-14     Ecuador Shamanic Minga
May  16-17     Imbabura Real Estate Tour
May  19-20    Coastal Real Estate Tour
May  22-23    Quito-Mindo Real Estate Tour
May  25-26    Cuenca Real Estate Tour

June 24          Quantum Wealth, Blue Ridge, North Carolina
June 25-27    International Investing and Business, Blue Ridge, North Carolina
June 28-29    Ecuador Travel & Andes
June 30-Ju 1 Imbabura Real Estate Tour
July 3-4          Coastal Real Estate Tour
July 6-7          Quito-Mindo Real Estate Tour
July 9-10        Cuenca Real Estate Tour

Sept.   3-6         Ecuador Export Tour
Sept.   8-9         Imbabura Real Estate Tour
Sept. 11-12        Coastal Real Estate Tour
Sept. 14-15        Cuenca Real Estate Tour
Sept. 17-18        Ecuador Shamanic Minga

Oct.    7           Quantum Wealth, Blue Ridge, North Carolina
Oct.   8-10      International Investing & Business, Blue Ridge, North Carolina
Oct.   11-12     Travel to Quito and Andean Tour
Oct.  13-14      Imbabura Real Estate Tour
Oct.  16-17      Coastal Real Estate Tour
Oct.  19-20     Quito-Mindo Real Estate Tour
Oct. 22-23      Cuenca Real Estate Tour

Nov.    4-7         Super Thinking + Spanish Course Florida
Nov.    8-9        Travel to Quito and Andean Tour
Nov. 10-11        Imbabura Real Estate Tour
Nov. 13-14        Coastal Real Estate Tour
Nov. 16-17        Quito-Mindo Real Estate
Nov. 19-20       Cuenca Real Estate Tour

Dec.   3-5        Ecuador Shamanic Minga
Dec.   7-8        Imbabura Real Estate Tour
Dec.  10-11     Coastal Real Estate Tour
Dec. 13-14      Quito- Mindo Real Estate Tour
Dec. 16-17       Cuenca Real Estate Tour

Low Costs

Our seminar and tour fees remain as they were in 2007 and 2008.  Merri and I run our business from home and our internet only structure keeps our overheads low.   By conducting many smaller tours we keep our staff at a minimum so our fees run as low as a third of what other seminar and tour companies charge… yet again and again we are told that they are the best.. most personal and of course we have way more experience than anyone else. We are not selling real estate but are simply offering tours to help you to understand the country, the areas, the prices so you can make an informed decision.

In addition we do not accept commissions or any form of compensation from hotels where our delegates stay, or from sellers of real estate on our tours. Instead we negotiate low room rates and try to get real estate sellers to offer discounts to our our tour delegates.

Split Sessions Available North and South

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.

Enjoy Optional Group Travel

Split session delegates can travel to Ecuador in a group with our staff and we’ll try to negotiate special low cost fares.

Three New Real Estate Tour Destinations

We have added Quito, Mindo and Cuenca real estate tours.  We want you to experience more of the beauty and joys of Ecuador!

Quantum Wealth

We have also added (at no cost) a one day Quantum Wealth course to our International Investment & Business Courses.

This course teaches similar knowledge provided in our Super Thinking + Spanish courses.

There are numerous little known, but scientifically proven, ways to enhance the speed, accuracy and efficiency of the mind, memory, recall, retention and decision making process for greater wealth, health and happiness.

This is not a gimmick or a trick… just advanced education. 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.

In 1980 Superlearning sold over two million copies and showed how the Lozanov learning system blended long-tested sciences of Raja Yoga with contemporary physiology and psychology so people could learn faster and better…thus making better and clearer decisions for wealth and health.

The book exposed this fact making it so popular that Dr. Lozanov was allowed to visit the US from Bulgaria to teach this system to just a very few people so they could pass on this vital information on how to learn and think in a more natural, powerful way so we can enjoy life and enhanced memory more.

Merri was among those few who learned and is licensed to teach the Lozanov system. Merri’s modified system shares her knowledge on how to think and learn more powerfully in our Spanish courses.  Now we are adapting this science to help delegates have better investing and business.

The learning system expands on Dr. Lozanov’s original work and offers new insights into tapping human potential, drawing from ancient and modern tactics for quick learning such as subliminal memory, music, nutrition, and productivity.

Quantum Wealth changes the way a person thinks and learns forever.

The techniques help unlock the quantum potential that all people possess. This evolutionary program shows how certain types of music can enhance learning and how even altered nutrition can make anyone a startling 25% smarter, how subliminal messages can increase energy and thinking process, plus much, much more.  This is the system that we use for building wealth and for making decisions.

This Super Thinking system follows and builds upon what was taught in the Superlearning, the Mozart Effect and Superlearning 2000 plus includes techniques and strategies that Merri has gained in her 41 years of global travel and study with educational masters around the world.

This is a course that shows how to increase mental power for success in a 21st century that is overwhelmed by information. The system is built from old and new sources ranging from raja yoga to contemporary unorthodox science, and ultimate zone training already used by many Olympic champions.

Five Options

Each month delegates can choose to come to one, two, three, four or all five seminars and tours conducted in the month.  Multi tour adventures provide additional discounts.

Be sure to read tomorrow’s message which explains how to (save up to $35,449) attend as many of these seminars and tours as you desire FREE!

Gary

Comments from a real estate tour delegate:  Gary, A special thank you for the real estate tours that you provide. John and I did a lot of research and chose Ecuador as our first choice. Our visit in June exceeded our expectations of the info that we had gathered about the country. Ecuador also meets our top seven priorities: Cost of living, Climate, Cost of real estate, Heath care, Access to high speed internet, Accessibilty to the States and over all safety.  Our dream has always been to live on the beach and moving to Ecuador will make that dream come true.  Again, a big thank you for helping us make that dream come true.

Head south to Ecuador!

Oct. 21-24 Ecuador Import Export Tour (SOLD OUT)

Oct. 25-26 Imbabura Real Estate Tour

Comments from a Super Thinking + Spanish delegate:  I wanted you to know that the Spanish course has proven incredibly helpful. Dealing with internet service providers and shopping for appliances, etc., normally would have required me hiring a translator to follow me around. While it may not be pretty or 100% grammatically correct, I am understood. Thank you!  Saludos!

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

From a real estate buyer in Ecuador.  Hello Again Gary,  I am just outside Salinas in Punta Blanca I remember you saying a decade ago to start there. I have seen the price on land here jump directly on the beach now $300 to $500 a square meter and off the beach $80 to $100 square meter and the lots are not big an average lot is 250 square meters. I bought several lots in this area for less than half of the asking price today. I remember seeing a article about that you wrote a decade ago that you were able to buy lot’s here in Punta Blanca for a couple to a few thousand.  You also used Naples Florida as an example this I why I bought here in Punta Blanca YOU WERE RIGHT! It all started the night I came back from my first trip when I came across your website. If it was not for the knowledge that you share and international living none of this would have gone as smooth as it has. So Thank You Gary!

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

December 9-10 Imbabura Real Estate Tour

December 11-13 Ecuador Coastal Real Estate Tour

Comments from delegates at our International Business & Investing Course.  We so enjoyed attending the IBEZ Seminar this past weekend in Jefferson, NC.  We loved the high country area, the nice people we met and particularly enjoyed the visit and tour of the New River Winery.  We were lucky to sit at a table with four utterly charming southern women, one of whom was Haskell’s wife.  As a retiree who saw her retirement sustain considerable loss due to the economy, I found the information you presented during the three days to be extremely helpful and showed a plausible way for me to have some recovery.  Besides all of the relevant information, your emphasis on honesty and the importance of not be deceptive was reassuring.  The bottom line is, that what gave real value to the information we were receiving and what made us feel comfortable was, that we felt you, Thomas and David were all people of good character.  Something that is very important to us.  We intend to do business with JGAM and Jyske Bank very soon.

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.

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
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. 25         Travel to Cuenca
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

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

1 real estate tour only $499 Couple $749

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

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

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

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

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.


Small Business Tangled Idea


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

Cotacachi-Otavalo

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

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

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

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

otavalo-Ecuador

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

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

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

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

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

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

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

A new idea

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

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

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

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

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

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

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

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

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

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

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

Cotacachi-Otavalo

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

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

Or come to our January 2010 Ecuador export tour.

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

From Sandra, a restaurant owner:

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

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

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

From Jerusha, an anthropologist:

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

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

From Todd, a wedding photographer:

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

From Mickey, a real estate broker:

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

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

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

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

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

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

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

Gary

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

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

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

Yet there is even more.

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

Head south. Experience Ecuador or…

Oct. 21-24 Ecuador Import Export Tour

Otavalo-art

Meet Ramiro on the export tour.

Otavalo-art

We like his style and…

Otavalo-art

have purchased…

Otavalo-art

many of his works ourselves.

Oct. 21-24 Ecuador Import Export Tour

Oct. 25-26 Imbabura Real Estate Tour

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

December 6-8 Beyond Logic Shamanic Tour

December 9-10 Imbabura Real Estate Tour

December 11-13 Ecuador Coastal Real Estate Tour

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

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

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

Internet Business Haro


New micro internet business opportunities arise all the time… Your own small internet business is a great way to make money… but there is something more.

Cotacachi-Ecuador-Condo-Rent

Morning on Cotacachi Ecuador’s plaza may be foggy but the economy is sunny and bright… and

I was sitting on our balcony at our hotel Inn Land of the Sun (formerly Meson de las Flores) in Cotacachi Ecuador… looking at the sunrise view.

internet-business-view tags;

Mt. Cotacachi was on my left.

internet-business-view tags;

Mt. Imbabura on my right.

internet-business-view tags;

The time was 5:36 am and I began my first round of answering my email.

The first note opened had the subject Om Bir and the email said:  Hello sir,  Nameste. T his is lalit from Nepal. i m working from two yrs. in roses. as a farm supervisor. we are exporting roses to japan.i’ll write you more about company.looking forward your reply.  lalit  kathmandu

What a wonderful way to start the day… I am in a small mountain village getting blessings from someone in mountains half way around the world.  Namaste means “may that which is in God be within you.”

We offer a course to help our readers start their own web business. This freedom not only makes life more enjoyable but also reduces the cost of living.

Technology brings us so many blessings… the things we take for granted… air travel… electricity… computers… cars… the internet… would be considered miracles for 99% of mankind that has existed.

Yet we can with the push of a button gain blessings… and business from around the world.

This is why we are sharing a free course on how to create your own website without a webmaster written by Michelle Toole. Here is the 38th lesson in this course.

What’s HARO?  By Michelle Toole

So you’re interested in starting your own self publishing business on the internet? Or maybe you have a book that you wrote and want to make a name for yourself?    Well, I have a great tip for you…..actually, it’s a great tip for anybody wanting to establish themselves as an expert and this will help you build your own ‘brand of one.’

Editors, as Merri always reminds us, are “always looking for content” and the same goes for reporters, bloggers, radio hosts and pod cast hosts.   So, how do you connect with editors, reporters, bloggers, radio hosts and pod cast hosts that need you?  Good Question….

And I have a great answer…. HARO.  What’s HARO?

HARO stands for ‘Help a Reporter Out’, a web site (helpareporter.com) started by Peter Shankman and it is an excellent resource for those of us trying to build our own ‘brand of one.’

According to Peter, “I built this list because a lot of my friends are reporters, and they call me all the time for sources. Rather than go through my contact lists each time, I figured I could push the requests out to people who actually have something to say.  These requests only come from reporters directly to me.”

Once you sign up to Peter’s web site you will get 3 emails each day.  Each email will include a list of reporters, bloggers, radio hosts and pod cast hosts looking for sources for their stories.  Of course it’s not likely that you will find someone looking for your expertise on a daily basis, but I wouldn’t be surprised if you find something every other month.  It’s certainly worth your time and the best way to build your ‘brand of one’ is to put yourself out there.

Good Luck and happy Branding!…

You can check out Michelle’s web site 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.comInternat Business Ideas

The sun always shines somewhere. Because many Americans are headed south… business is suffering in the north… but getting better n the sun!

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 can help you create your own internet business.

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.  

ecuador-wine and cheese

We’ll have Ashe county wine tasting here at the New River Vineyard during our Blue Ridge seminars.

Or head south to Ecuador!

international-business-made-ez

Let our friendly staff at our Inn Land of the Sun (formerly Meson de as Flores) serve you.

otavalo-hotel-for-sale

In Cotacachi and surrounds the weather is always spring like.  Here are delegates taking a shirt sleeve, winter break at a hotel for sale on our Imbabura real estate tour.

ecuador-internet-business

Winter is shorts weather on Ecuador’s coast. Here I am working in February at our Ecuador coastal penthouse… shirtsleeves and shorts!

Join us in the mountains and at the sea. Attend more than one seminar and tour and save.

International Investment Gains


Our latest International Investment & Business Seminar here in Ashe County,  North Carolina  looked at International Investment gains that were up 14% in the first six months of this year.

When these seminars begin… there is always a hint of excitement.   Thomas Fisher has flown in from Denmark. Our webmaster, David Cross, has arrived from Oregon and delegates have come from all over the world.

We’ll look at some of the international investments we view (including Ecuador opportunity) but let’s also allow some of the delegates to tell you how they felt about this seminar.

One delegate wrote:

Hi Gary, Merri and David,  Thanks for a great weekend.  As a new club member, I’m looking forward to the next time that we can spend some time together and to reading “Ecuador Living”.  Sincerely,

When our North Carolina international investing and business seminars begin, I rise at dawn on the farm and then…

international-investment-seminar

we drive into West Jefferson where we conduct the seminar.

We are casual at our international investment seminars but serious.

international-investment-seminar

Many delegates make international investing and business… even lifestyle decisions based on the economic updates we share, so I and our other speakers, Thomas Fischer of Jyske Global Asset Management, our webmaster David Cross and Merri have spent enormous time getting prepared.

This year our July North Carolina course was conducted at at the Ashe County Arts Center in West Jefferson.

The Arts Center is housed in a historic WPA building featuring a gallery so we share our information amidst local art and crafts, statuary and exhibits from over four-dozen artists.  Here is some of the art we saw.

international-investing-seminar

The seminar began with a historical review that led us to three places to invest now.

#1: Multi Currency Sandwich in value markets, emerging markets and wellness.

#2: The environment.

#3: Real Estate in the US and Ecuador.

Plus we saw why many of us would need our own business.

The first historical fundamental we covered was a way to predict where markets might go next.  We saw for example that the Dow has moved in approximate 15-17 year up and down cycles for over 100 years.

We viewed how the Dow appears to be in the 10th year of a 15 to 17 year down cycle that began in 1999.  We compared the last two years of this cycle, with the equivalent period in the 1968 to 1982 bear cycle.

We saw an amazing 93% correlation between then and now.

The chart below from Moore Research compares the Dow from 1976 through 1978 to the Dow of the last 18 months. The Blue line is what happened in the equivalent period in the 1970s to now.

global-trends

Here is what another delegate wrote about this seminar:

Hello Merri & Gary,  Now that I am back home and settled into the normal routine, it’s time to drop you a line to say how much my brother Rick and I enjoyed attending the conference last weekend.   Experiencing the beauty of Ashe County and the pleasant disposition of the people who live there contributed to the picture of the place that you paint via the letters and photos sent out to your readers.  Not only was the information presented there of great value, but Rick and I found that all of the other participants we met are great people indeed, just as you’ve mentioned.  Your ability to attract like-minded souls is a service in itself, and one that provides lessons we can all strive to emulate going forward.

Thank you again for providing the opportunity of meeting you both in person; I will begin to make use of the information to enhance my own life and look forward to seeing you both again some day.  Best wishes.

Then we looked at the multi currency sandwich and how you can currently borrow US dollars at 3% to invest the loan in higher yielding shares and bonds.  Pound loans are 4%.

We also saw how the British pound was a potentially undervalued currency versus the US dollar.

We looked at how Jyske Global Asset management’s Low Risk Portfolio with a 100% loan rose 11.4% since 2009 or at 23% per annum pace.

Then we reviewed an 18% six month profit with 4.75% ISS Capital 2010 bond (or growth at 36% per annum pace).

We reviewed a  7.25% Bombardier 2016 bond. that offered a longer duration and higher spread of 3.5%.

This led us to a multi currency sandwich with $100,000 invested and $50,000 US$ loan at 3% and $50,000 loan in British pounds at 4%.

The $200,000 was invested $100,000 in US the 7.5% dollar bond above.  $50,000 was invested in a Pound denominated bond issued by Hungary due 2016 and yielding 10%.  $50,000 was invested in British shares because Britain is one of the best valued major markets at this time.

Here is what another delegate shared about the seminar:

Merri, My wife  and I would like to thank you and Gary for a wonderful course. We thoroughly enjoyed all the information presented by Gary, Thomas and David. And we thank you for your hospitality with having us to your lovely “piece of paradise” in Lansing. The lunch was delicious and your presentation of import/export items was quite interesting.  We look forward to visiting Ecuador in September of 2010. And we look forward to visiting and staying at your hotel in Cotacatchi.

We then reveiwed the best and worst value equity markets around the world and saw that the best valued major markets are now Austria, France, Germany, Italy, Singapore and the UK.

Here is what another delegate had to say about this seminar.

Hi Gary & Merri,  I thoroughly enjoyed the time you so graciously allowed me to attend at your seminar and am not surprised, in the least, that you are getting rave reviews.  You and Merri make such a wonderful team offering these seminars with professionalism and charm, and here in Ashe County, with a unique local flavor.  We all thoroughly enjoyed meeting and getting acquainted with many of your delegates.  As it was last year as well, many of the people you attract with your seminars are well traveled, interesting and very personable.  Thank you for your friendship and generosity,

In another session we looked at the importance of investing in the environment. We saw three ways to gain from sustainability changes ahead.

#1: Adaptation.  Investing in solutions to health problems is an example. Poor food produced in our central food system creates blood sugar problems, so Novo Norsk a Danish company that is the largest producer of insulin makes sense.

#2: Mitigation.  Cleaning up the mess humanity offers profit especially with water. Hyflux, a Singapore company, and Kurita Water, a Japanese firm, both have potential in this field.

#3: Structural Change.   Vestas Wind Turbines is a Danish company and is the largest maker of wind turbines to produce energy.

Here is what anther delegates sent to Merri and me about this seminar:

As a retiree who saw her retirement sustain considerable loss due to the economy, I found the information you presented during the three days to be extremely helpful and showed a plausible way for me to have some recovery.  Besides all of the relevant information, your emphasis on honesty and the importance of not to be deceptive was reassuring.  The bottom line is, that what gave real value to the information we were receiving and what made us feel comfortable was, that we felt you, Thomas and David were all people of good character.  Something that is very important to us.  Thank you, Gary and Merri, for providing a wonderful Seminar. Sincere regards.

On Saturday evening we drove to Lansing and looked at how small businesses can grow as we visited the New River Winery for a wine tasting. The winery is housed in another old WPA building which originally was the Lansing school.

international-investing-seminar

Here is Haskell McGuire one of New River founders showing us the winery.

international-investment-seminar

New River’s flagship wines are Bohemia Red and Bohemia White. These were followed by the introduction of signature wines, Back Porch Blueberry.  New River now has several new wines in production including:  Pinot Blanc, Viogner, Hellbender Red, Lansing School White, Big Laurel Blush, and Seyval.

The winery started small and is growing by leaps and bounds. Vineyards and wineries are one of the fastest growing business sectors in North Carolina.

Here is an unedited quite from another delegate:

Dear Gary and Merri:  We so enjoyed attending the IBEZ Seminar this past weekend in Jefferson, NC.  We loved the high country area, the nice people we met and particularly enjoyed the visit and tour of the New River Winery.  We were lucky to sit at a table with four utterly charming southern women, one of whom was Haskell’s wife.  We had a long drive home on Sunday and were sad that we had to leave and not be able to join you and our group for lunch at your farm and sad that we missed Merri’s cooking.  We hope someday in the future we may have the opportunity to visit your property as we heard it is quite beautiful.

Then we began the international business sessions of the course and David began teaching how to use the internet in business.

We started by looking at a Time Magazine quote which said:

Throw away your briefcase: you’re not going to office. You can kiss benefits goodbye. Your new boss won’t look much like your old one. There’s no longer a ladder, and you may never get to retire, but there’s a world of opportunity if you figure out a new path.

On Sunday we continued the course at our farm. Everyone was invited up to the house for lunch.

international-investment-seminar

We did a review of Ecuador export products.

international-investment-seminar

Like this leather coat and these baby alpaca sweaters.

international-investment-seminar

Another delegate wrote:

Hi Gary, Just a quick note to tell you again how much I enjoyed the seminar and seeing your lovely farm.  I spoke to you briefly about deciding that I wanted the web course instead of mult-currency.  Thank you for sending me that instead of the multi-currency.  It may be two weeks, but I am starting to work on that site.  I know from life experience that it is always better to focus on what you want to create instead of what you don’t want. So thank you for the buzz of creativity that you, David, and others from the  group inspired.  I am also interested in featuring the dulcamaras product on my site, along with testimonials.  You mentioned a contact for that product.  I would appreciate that information also. Smiles.

Here is some Ecuador art that evolved from drum making.

international-investing-seminar

Delegates came up with many marketing and…

international-investment-seminar

Business ideas.

international-investment-seminar

plus we had fun.

international-investment-seminar

Next time this course will be in October.  This view…

international-investing-seminar

will look like…

international-investment-seminar

this!

international-investment-seminar

As the guests leave… in the dusk… there is always a moment of sadness.  New friends made.  Interesting ideas shared and now we are moving apart.

international-investment-seminar

Yet we’ll be back together again next seminar.

This delegate expressed it well when she wrote:

Thank you again for a truly life changing and life enhancing weekend. And we also wish your loved ones a speedy recovery and good health. Best regards.

We hope you will join us for our International Investing and Business Course in North Carolina this October or in Ecuador in November like this delegate who wrote:

Hi Gary,  It was wonderful to meet you and Merri at the IBEZ Conference this past weekend!  You both are so warm and caring and have a genuine desire to help the people of Ecuador and others to build a successful business.

The classes were very insightful and jam packed with information and suggestions on how to start your very own web based business. You and David, your webmaster, presented the information in an easy to understand format that even computer dummies like me could understand.

The multi currency investing portion of the class presented by you and Thomas Fischer from Jyske Global Asset Management were very interesting and educational.  It opened our eyes to new avenues of investing that we didn’t have a clue about before.

We also very much enjoyed the Import and Export portion of the class.  The items from Ecuador that you and Merri shared with us were very beautiful.  I especially loved the bird art and would be very interested in importing some of these to sell.  I am also interested in jewelry, leather goods, and the shawls like Fran was wearing in class (they were enhanced with the leather collar and leather applique).  I think that custom made leather goods that are stamped, as you and Merri suggested, have good income potentials. We would like to thank you and Merri for opening up your beautiful home to the class on Sunday afternoon and feeding us such a delicious lunch.  This was the perfect ending to three days of fun and sharing of ideals and suggestions on how to make money from investing in property and multi currency to building a successful web site business and Importing/Exporting from Ecuador for profit.  Thank you and Merri so much for everything.  We look forward to attending additional conferences.  Take care and hope to see you again soon.

Gary

Join Merri me and Thomas Fischer of JGAM and our webmaster David Cross in North Carolina this October and enroll in our emailed course on how to have a web business free. Save $299.

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

Oct. 9-11 IBEZ North Carolina

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

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

Oct. 21-24 Ecuador Import Export Tour

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

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

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

Another delegate wrote:

Hi Gary, Just looked at your website for the first time and couldn’t hardly stop reading all the fantastic topics and the wealth of information you provide.  One of the best website’s I’ve experienced.  Don’t know why I haven’t looked at it sooner but am very happy I finally got to it.  I read as many articles as I could in one sitting with limited time this morning and am anxious to get back to read more.  Your life experiences and expertise is fascinating.  It’s amazing how close your philosophy about life, work, investing, family, etc. parallels my own.  I suppose international living, broad experiences with other cultures, diverse business experiences, etc., culminate in a certain way we view the world.  Anyway, thanks for sharing so much excellent philosophy and expertise.

Retire in Ecuador


Retire in Ecuador

Are you thinking that you want to retire in Ecuador?

A huge and growing legal problem that affects the way we bank and invest is forcing Americans to change their financial plans.

We’ll look at this problem and some overseas income earning ideas that can help solve the difficulty in a moment.

One of the solutions to this dilemma is to live or retire abroad and since we focus so much on Ecuador may I review three steps that anyone should  take before they make a final decision to retire in Ecuador.  (Then we’ll get to the problem).

First, visit Ecuador. This seems obvious but we have many people who tell us they have decided to retire in Ecuador before they have visited.

Second, rent a place and stay awhile before you buy or make a final decision to retire in Ecuador. The fastest way to pay too much or make a less than perfect decision about where to retire in Ecuador is to rush a purchase.

Third, create a plan and make sure it will work for you.  Do you need to earn income? If so how.  Do you have enough assets or income  to qualify for a residence visa to retire in Ecuador.  Do you have children who need schools? Do you have healthcare issues to resolve that will affect the location where you retire in Ecuador?

Here is how other readers have told us how we have helped them retire in Ecuador. 

Here are some retire in Ecuador raves  from recent visitors who are checking Ecuador out and who, plan to retire in Ecuador.

We can help you look around to decide if you really do want to retire in Ecuador. Here is what one Ecuador Living subscriber shared.

Dear Merri and Gary, my wife and I are staying here in Ecuador at the El Meson De Las Flores both for the very first time.I thought I would relate our first impressions of this most unique place called Cotacachi.

We arrived here July 3 not knowing if we would seek permanant residency or return to the U.S. Initially the culture difference was a shock,but only after a few days we found ourselves growing fond of the Cotacachi area.

The native people in Cotacachi have made us feel welcome and comfortable.We speak only marginal spanish but store vendors and even the indiginous who sell thier vast array of wonderful organic fruits and vegetables at the Mercado also are all helpful and accomodating

Ecuadorian people seem far more relaxed than many people in the U.S.

And it is true.Ecuadorian children do play together safely after dark.

Most ladies wear the traditional clothing,are quite pretty and take pride in their appearance.

On Leather street there are countless stores with gorgeous belts,boots,handbags,jackets,sweaters,etc,all usually made by the vendors who sell them. These Ecuadorians seem to be very creative and industrious. Otavalo has a huge marketplace and has a surprising bustle to it. To us, Otavalo has its own character but lacks the village atmosphere of Cotacachi.

The views in Cotacachi are incredible. If you like greenery,high mountain volcanoes and patchwork hillsides Cotacachi is spectacular. We went to the Mercado Sunday morning and the veggies and many exotic fruits for sale were beyond belief. Giant heads of brocolli, lettuce, tomatos, herbs and some fruits we have never seen before.

Best of all, so inexpensive. Three large bags about 16 dollars.The restaurants here are inexpensive but they seem to serve mostly starches (rice, potatos etc) along with chicken, beef or pork.

You can order fresh veggies if you want in most eateries.

Also,the produce in Ecuador is fresh.Locally grown and harvested right to your stomach.Certainly not shipped hundreds or thousands of miles like US supermarket produce.For any person who wants to improve their health through diet Cotacachi could be the answer.There are poor people in Ecuador, but no body appears to be going hungry.

Downsides?  Well,the traffic can be noisy and the drivers seem to have the right of way.  There are no emission standards so exhaust fumes can be a problem. Debbie and I have decided to seek residency in Ecuador.

We do live on my pension and believe we can be happy and healthy living a more relaxed lifestyle here in Cotacachi.

Also, I compliment your staff at  Meson? Everyone here has been helpful to us being our first time in Ecuador and also after a particuraly bad experience with animal customs at the Quito airport. Thank you  to Eduardo, Rosita, Consuelo, Franklin, Mauricio, Alberto, Christian the computer guy and the other fine associates at Meson. To the wonderful kindred spirits we have met, Olivia, Maggie, Jaci, Mercedes Peggy and Lee.  Again,thank you all.

Talk to a US (or Canadian) and Ecuador attorney before you retire in Ecuador.

Here is what an Ecuador Living subscriber shared about this.

Hi Merri:  I’ve been meaning to send you a note to let you know my passport paperwork was in perfect order for our 12IX Visa and we got it in two days after the applicaction was sent to Washington.  I gave my permanent visa paperwork to the attorney you recommended when we arrived in Manta and it was in order as well.  There were a couple of documents they had to prepare for us to sign and it was off to Quito with the attorney the day after we met with him for the first time.  I can’t say enough good things about your referal (and his Immigation specialist).  It was because of their help that the legal part of our experience in Ecuador has gone so well.  Thank you again for the referral and for filling me in on what we needed to do prior to leaving the States.  Believe me, most people out there don’t give you the true or whole story about the visa requirements.  Because of your advice, we saved ourselves a lot of headaches.

Another wrote about one of the immigration attorneys we refer to our Ecuador Living readers who want a retire in Ecuador visa.

I contacted the Ecuador attorney as you suggested and he gave my file to hsi asscoiate who specializes in immigration.  They responded immediately and she has been wonderful.  I think I have ordered all the documents I need certified and apostiled.  It’s taking forever to get a couple of them but I’m hoping they will arrive soon.  Until you go through this, you don’t realize just how time-consuming it is.  Thank you so much for your advice in this regard. You and Gary have been so helpful in helping us realize the potential problems and we are very appreciative.

Get to know expats in the community who can share what they have learned as they retire in Ecuador.

One Ecuador living subscriber planning to retire in Ecuador wrote this:

We arrived in Manta on May 30th and after spending a few days at the Howard Johnson’s, rented a house for a month. It was owned by a wonderful Ecuadorian woman (native of Cuenca) who moved to the Casita in the back.  We became great friends and met a lot of people through her as well as through the local Gringo organization.

We came to Cuenca a week ago and are living in a rented, furnished apartment overlooking the city (across from the Ore Verde Hotel.)  We attended the Gringo gathering Friday night and who should appear shortly after we arrived we met another one of your Ecuador Living subscrobers who we had met on the January Tour.  Never did I dream we might run into her in Cuenca.  It was great seeing her.

We know we love Ecuador and, hopefully, after out three month rental is up here we hope to be able to decide where we want to settle.  At this point, we are really loving Cuenca! Thanks, Merri and regards to Gary.

Talk to MDs and learn about the healthcare options you may need before you retire in Ecuador.

Here is what one Ecuador Living subscriber who planned to retire in Ecuador shared about this.

Here is the website for my insurance company in Ecuador.  They have clinics across Ecuador plus a number to call and talk to an English Speaking sales person.

The monthly rate for a 69 yr old – and it is $80. Plus the initial medical exam.

They do not have doctors who speak Englaish but I suspect that within all the clinics there probably is at least one, if not several doctors who speak English.

They do have connections with optmologists and dentists in other clinics.

They do not cover treatment outside Ecuador except for emergency treatment in Colombia.

Emergencies are covered all over Ecuador – say you have the misfortune to suffer a life threatening event then you would, presumably, be taken to Loja and treated in a hospital there. You would pay the cost and the insurance would re-imburse you.

All non emergency treatment needs to take place in Quito or where there are insurance owned or affiliated clinics – at this moment just Guayaquil or Santo Domingo.

Now the problem.

The problem is that Americans have lost control of their wealth.

An insidious form of of loss has been taking place for decades and now we are in the end game.

The theft has taken place in the same way the Nazis robbed the Germans of control.

A German industrialist once explained how the Nazi’s took over when he explained that very few people were Nazis.  However many enjoyed how the Nazis brought back an external German pride.  Most were just too busy to care.  The majority let it all happen at an early stage.   Too late the realization came that the Nazis were in total control.   See how this has happened to your wealth here a Bank Privacy Gone

One way to overcome the problem is with overseas income ideas.

See one Ecuador Income idea at Retire in Ecuador with Income

Big problems creates big opportunity.  The huge problem of losing our bank privacy  is creating great profit for those who move, invest or retire abroad. Whether you work invest and retire in Ecuador or elsewhere,  be sure to create ways to protect your wealth in the inflationary era ahead.

Gary

Join us at our North Carolina farm this July or October for our International business & investing seminars below. Learn more about early retirement and Ecuador.

July 24-26 IBEZ North Carolina

Oct. 9-11 IBEZ North Carolina

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

July 24-26 IBEZ North Carolina

Oct. 9-11 IBEZ North Carolina

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

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

Oct. 21-24 Ecuador Import Export Tour

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

International Investing Trick


Here is a global diversification trick that may do well in the likely global economic scenario ahead. Buy good value shares internationally as markets dive during the summer dip.

In a moment we’ll look at some Ecuador health ideas… first the investing trick.

Global equity markets have been in a bear market rally for six months but are now hitting the summer blues due to seasonality.

Share prices will probably drop now. Chances are there will be a strong global equity slump at least through October 2009.

This will create extra value in equity markets and provide good opportunity to pick up high value long term.

The bear market is likely to carry on until 2012-13, but good value shares acquired during dips are more likely to spike early and have extra potential after the bear ends.

Now through October 2009 could be a good time to invest in high value shares for long term appreciation.

But which shares… in which markets?

One way to approach this is to look for extra value created by inefficiencies in markets…to find markets where the values are best.

Statistically this is the best way to be absolutely sure of the best long term returns.

There are numerous investment managers who use very strict valuation criteria (usually based on dividend yields, cash flow, price earnings) to spot the best value markets.  They then try to apply similar criteria to select good value shares in the good value market.

The next goal is to decide how much should be weighted in major market and how much in emerging markets.

Here is a comparison of the Morgan Stanley Major Market versus Emerging Market indices.

The MSCI World Index is a market capitalization weighted index that measures the equity market performance of developed markets.  It includes 23 developed market country indices : Australia, Austria, Belgium, Canada, Denmark, Finland, France, Germany, Greece, Hong Kong, Ireland, Italy, Japan, Netherlands, New Zealand, Norway, Portugal, Singapore, Spain, Sweden, Switzerland, the United Kingdom, and the United States.

The MSCI Emerging Market Index includes Brazil, Chile, China, Colombia, Czech Republic, Egypt, Hungary, India, Indonesia, Israel, Korea, Malaysia, Mexico, Morocco, Peru, Philippines, Poland, Russia, South Africa, Taiwan, Thailand, and Turkey.

MSCI Indices performances.  Total per annum return over:

Major                            Emerging
15 years    4.10%                   5.41%
10 years  -3.85%                   9.11%
5 years    -2.77%                  11.16%
3 years   -10.81%              -00.17%
1 year      -20.81%             -27.53%
3 mos.      14.30%               27.53%

Regardless of the time frame observed,  the emerging equities almost always seriously outperformed major markets… but as a class they also dropped further in the 2008 downturn.

Here is a year-on-year comparison for the past five years.

Major                   Emerging
2003  10.74%           29.63%
2004    6.46%           16.51%
2005   26.17%           54.41%

2006     7.40%          18.23%

2007     -1.66%         25.71%
2008   -50.30%      -37.64%
2009      5.39%         34.79%  3 months

This history suggests that emerging markets deserve a substantial ranking.

However before becoming too aggressive in over weighting emerging markets, we have to keep in mind two thoughts.

First economic thought. The last 15 years has been a catch-up era when the investing world caught on to the idea that emerging markets offered great opportunity.

Second economic thought. A great deal of emerging growth came from debt financed exports to the developed world. This leaves emerging economies holding huge amounts of debt for customers who may not be able to repay the debt nor continue to buy the same volume of goods as before.

The easiest way for investors to invest in good value during dips is via a value mutual fund.

You can select a value major market fund, a value emerging market fund or a value diversified fund.

The benefit of a value diversified fund is that the professional manager decides how much to weight in emerging and major markets.

For example I just sent a lesson to our multi currency subscribers that showed a US traded international diversified value fund that has risen 36.08% in the past quarter ending June 30, 2009.  This fund is 86% in major markets and 14% in emerging markets.

Learn how to read about this fund as a multi currency subscriber.

The most valuable asset we can have in tough economic times is good health. This is why we studied Ecuador health ideas at our June tour.

Cotacachi is considered sacred by the shamans… a place of wonderful mountains that ring the valley.  This is Mt. Cotacachi to the west.

ecuador-shaman-recap

Mt. Imbabura to the east.

ecuador-shaman-recap

The valley is surrounded by mountains like these twin peaks…

ecuador-shaman-recap

creating wonderful, mystic  sunrises.

ecuador-shaman-recap

The first afternoon of the tour we visited La Mirage Spa and the Shamana Estella.

ecuador-shaman-recap

She began a theme that the many shamans we visited confirmed.   She said that the three keys to better health, increased longevity, more energy and fulfillment are good nutrition, proper exercise and good sleep.

The purpose of the Ecuador shamanic tour is to learn ways to unlock this healthy  combination in a natural low cost way!

The second day we joined Clemencia, the Shamana of Zuleta and drove 15 minutes from our hotel Meson de las Flores to Otavalo market where we visited the local food market…

ecuador-shaman-recap

filled with fruits…

ecuador-shaman-recap

vegetables…

ecuador-shaman-recap

flowers and …

ecuador-shaman-recap

herbs.

ecuador-shaman-recap

Here is the shamana speaking to the group with Merri and Mauricio translating.

ecuador-shaman-recap

We learned the importance of the herbs to make good teas that hydrate the body are cedron, chamomile and lemon verbena.

ecuador-shaman-recap

We learned how other herbs relax such as chamomile and valerian root. Plus we were told to boil lettuce in milk as a prebedtime drink for better sleep.

ecuador-shaman-recap

On the other hand, tea from cinnamon, paprika, cloves and ginger help reduce sluggishness in digestion and to speed the system when we need to be fired up.

ecuador-shaman-recap

You can read this entire report as an Ecuador Living subscriber.

Gary

We hope you’ll join us and enjoy Ecuador’s or North Carolina’s beauty soon.

ecuador-sun

Sunrise from Meson de las Flores.

July 24-26 IBEZ North Carolina

Oct. 9-11 IBEZ North Carolina

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

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

Oct. 21-24 Ecuador Import Export Tour

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

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

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

Ecuador Dentists & Doctors Care


Ecuador dentists and doctors care.  This is so important… I know.

Ecuador dentists and doctors cost much less than in North America… yet there is something more about the dental – medical system in Ecuador.  The system allows Ecuador dentists and doctors enough time with patients to express their care.

ecuador-dentists-doctors

May I explain.

A reader just sent me this note about Ecuador dentists and doctors.

Gary, I moved to Quito in retirement three weeks ago.  I had occasion to need a doctor yesterday and was surprised to find that he did home visits, something long forgotten in most of North America. As it turned out, he was not an ordinary doctor. He was a very special person as well.  This doctor is head of internal medicine and hemotalogy at a Quito hospital; but due to his love of people, he takes time to do house calls.  When he arrived we sat and chatted to get to know each other, in Spanish with the occasional English word thrown in.  Then he did his medical check, etc.  I felt that I was with a caring human being who was a doctor.  I can only remember such a thing almost 60 years ago in the little country town I lived in.  Let me say that I feel well cared for.  Best wishes,

Ecuador dental and medical practices suit Merri and me perfectly.

My mom is 86 and has been a true blue allopathic patient her entire life.  She has always believed in the American medical establishment.

Now that system is letting her down. She has been in and out of the hospital for the last month.   The health insurance that she has paid for has trapped her in a truly horrible, disjointed, unconnected, non caring system where the treatment she has received has actually diminished her health.  The hospitalization has left her more ill than the original problem.

The total lack of continuity and care clashes with the note above about the care of Ecuador doctors and dentists.  The system she has is so bad that for weeks no one doctor ever saw her twice in a row.

The hospital has made so many mistakes, has been so uncaring and so disorganized… that my daughter and sister have made sure that a family member with her 7-24.   We are afraid to leave her in the hospital alone!

When my son-in-law emailed the picture above of my mom and our grand daughter, Sequoia,  I realized that Sequoia and the entire family being with her…. our care is the most powerful medicine mom has been getting.

Care heals!  Care is the glue that holds the healer – patient relationship together and makes the difference between a place of healing and a cold, hostile, dangerous atmosphere.

We have regular comments from readers who use Ecuador doctors and dentists. They are so surprised not only at the low cost… but  the care!

This is not to say that all Ecuador dentists and doctors care. There are some bad Ecuador doctors and dentists like anywhere else in the world.

This is not to say that most North American dentists and doctors do not care. The majority of doctors and dentists in the US do care!

Yet American patients and practitioners alike are stuck with many negatives in the system that neither can do much about.  Nor can it seems the politicians help either.  American health care reform has been stalled for decades and the problems are likely to grow as 60 million baby boomers retire.

Ecuador’s dental and medical system is not so influenced by the problems that the US has with pharmaceuticals, litigation and insurance.

Don’t get me wrong.  There are plenty of pharmaceutical and surgical procedures used in in Ecuador.   Yet these modalities are not so overwhelming in the medical system.

Perhaps it is because the majority of Ecuador’s population are indigenous.  Their culture has relied much more on lifestyle healing rather than symptom intervention.    Perhaps this makes most of Ecuador’s medical profession more open to alternative and complimentary healing modalities.

Health insurance is not the norm…  so the medical system is not stuck with insurance adjusters as middlemen between the patient and  healer.  This leaves Ecuador dentists and doctors with more time to spend with patients rather than paperwork.

There is very little malpractice litigation in Ecuador  so MDs and dentists are not stuck with the huge insurance premiums that can force US doctors and dentists to crowd in more patients.

No system is perfect.   Humanity’s growing population and the Western materialistic lifestyle rewards systems. So most of the time we are stuck with systems for almost everything we do… including health care.

The best way to enjoy health care is to avoid it… yet when we cannot it is good to know that in Ecuador, the health care practitioners do care.

Read more Ecuador Dentist & Doctor Reports

Gary

There are great business opportunities in medical tourism and we’ll look at how to develop an internet driven medical tourism business at our North Carolina July 24-26 seminar.

Learn how the internet era can help you increase your freedom with  your own global internet business operated from Ecuador or anywhere.

At the seminar we help you learn how to get good rankings for your business.

For example our Garyascott.com and Ecuadorliving.com sites have first page Google rankings for many Ecuador search phrases including the phrase “Ecuador Banking” and…

ecuador-rankings

and “Ecuador Attorney”.

ecuador-rankings

plus many others like “Ecuador Real Estate”,  “Ecuador Beach Property”, “Ecuador Exports”, and many many more.

At our seminar we’ll study how to get and monetize rankings.

Our rankings do so well, that according to Alexa.com our garyascott.com site’s traffic rank is in the top 20,000 US sites. Out of tens of millions.  Here is a recent Alexa report.

ecuador-rankings

Our webmaster, David Cross, will join us at the July seminar.  David is chief internet consultant to some of the largest internet marketing companies in the world.

The July seminar will focus on the essence of a successful internet business, plus those who attend this course can have our emailed course “Tangled Webs We Weave, How to Have Your Own Internet Business” FREE.  (or you can choose our email course on multi currency investing instead).  You save $299.

Learn more at Tangled Web

This seminar  is July 24 to 26 here in the green and cool North Carolina Blue Ridge Mountains.

Half this course is about international investing and Thomas Fischer at Jyske Global Asset Management helps me conduct this portion of the course.  The other half is about how to develop your own business. Merri and David help me with this.

Here is a special offer. If you enroll in the July 24 to July 26 course, I sign you up for one of our two emailed courses free. This is up to a $299 savings.

Join me and Thomas Fischer from Jyske Global Asset Management in North Carolina to learn more about economic trends and David Cross our webmaster to learn how to have a global internet business.

We’ll have lunch at the farm and enjoy the cool summer mountains. Here’s a shot of our front yard.

investing-green

Thomas Fisher speaking to our delegates at the farm.

seminar-roses

orange-roses

multi-currency-meeting

Delegates enjoying a private conversation with Thomas Fischer during a coffee break at the farm.

Join Merri and me with Thomas Fischer of Jyske Global Asset Management and our webmaster David Cross in North Carolina July 24-26 IBEZ North Carolina

International Earning Potential in Business


Ecuador and international earning potential in business offers great freedom.

The 4th of July, America’s day to celebrate freedom, is a good day to remind ourselves of how freedom can bring anyone and everyone opportunity now.

ecuador-earning-potential

Internet based export businesses are a way to develop International income potential. 

I am happy to report, that freedom in America is not dead.   America’s independence, in my opinion, has improved and evolved.  Yankee ingenuity has used technology to enhance the business mobility that has often given America a leading business edge.

ecuador-earning-potential

Textiles for export

ecuador-earning-potential

that we…

ecuador-earning-potential

saw on our…

Ecuador-earning-potential

Ecuador tour.

This spirit of  Americans moving to “where the action is” was epitomized in Horace Greeley’s famous quote, “Go west, young man.”

In fact Greeley himself was a reflection of this mobility-for-better-circumstances ideal.

He was born the son of a New England farmer and day laborer in New Hampshire. The economic struggles of his family meant that Greeley received a spotty education.  When he could not find enough work and seeking to better his circumstances, he set out for New York City and eventually founded the New Yorker and later the New York Tribune.

Willingness to keep moving for progress has always been the American way.  In less mobile times this mobility worked from state to state.  Now it moves from nation to nation.

At a time when US earning potential may seem diminished, it should be no surprise that Americans are on the move finding opportunities all over the world.

ecuador-earning-potential

Jewelry for export.

ecuador-earning-potential

Leather products for export.

Why should American earning mobility be limited to just the borders of the USA?

The original concept of  many united states was that we lived in the land of the free and could move to whatever state that offered the best opportunity.  With modern technology, why not spread this mobility beyond the oceans and Canadian and Mexican borders?

Big businesses in America have certainly not limited their efforts within American borders.  Almost every major US corporation, manufactures or outsources work globally.  American corporations go where opportunity is best.

Now small businesses can use the internet to be global as well.

I see many Americans finding good earning potential in Ecuador.  I expect this is taking place around the world.

The real factors that make Americans free… willingness to work… try new innovations… cross social and cultural lines… take risk and trying new things works anywhere and are a state of mind and attitude… not a place… or a date.

This is the American way… serve… work harder… be better… do more for others. This works… an attitude that gives anyone, anywhere, who uses it an edge.

This is why one finds American  entrepreneurs thriving in Ecuador and anywhere one travels…  Americans and the American spirit are global… successful… and free.

Today let’s celebrate more than just a day of  declaration of freedom.   Let’s rejoice in a universal truth that freedom is something within us all.  Freedom is not a condition but an energy available to any and everyone with desire and willingness to work and serve wherever the opportunity opens.   That’s the spirit of the American way.

Merri and I send our best wishes that each and every reader will always be free!

Gary

Join us in North Carolina at our July seminar and learn how the internet era can help you increase your freedom with  your own global internet business operated from Ecuador or anywhere.

At the seminar we look at how to get good rankings for your business.

For example our Garyascott.com and Ecuadorliving.com sites have first page Google rankings for many Ecuador search phrases including the phrase “Ecuador Banking” and…

ecuador-rankings

and “Ecuador Attorney”.

ecuador-rankings

plus many others like “Ecuador Real Estate”,  “Ecuador Beach Property”, “Ecuador Exports”, and many many more.

At our seminar we’ll study how to get and monetize rankings.

Our rankings do so well, that according to Alexa.com our garyascott.com site’s traffic rank is in the top 20,000 US sites. Out of tens of millions.  Here is a recent Alexa report.

ecuador-rankings

Our webmaster David Cross will join us at the July seminar.  David is chief internet consultant to some of the largest internet marketing companies in the world.

The July seminar will focus on the essence of a successful internet business, plus those who attend this course can have our emailed course “Tangled Webs We Weave, How to Have Your Own Internet Business” FREE.  (or you can choose our email course on multi currency investing instead).  You save $299.

Learn more at Tangled Web

This seminar  is July 24 to 26 here in the green and cool North Carolina Blue Ridge Mountains.

Half this course is about international investing and Thomas Fischer at Jyske Global Asset Management helps me conduct this portion of the course.  The other half is about how to develop your own business. Merri and David help me with this.

Here is a special offer. If you enroll in the July 24 to July 26 course, I sign you up for one of our two emailed courses free. This is up to a $299 savings.

Join me and Thomas Fischer from Jyske Global Asset Management in North Carolina to learn more about economic trends and David Cross our webmaster to learn how to have a global internet business.

We’ll have lunch at the farm and enjoy the cool summer mountains. Here’s a shot of our front yard.

investing-green

Thomas Fisher speaking to our delegates at the farm.

seminar-roses

orange-roses

multi-currency-meeting

Delegates enjoying a private conversation with Thomas Fischer during a coffee break at the farm.

Join Merri and me with Thomas Fischer of Jyske Global Asset Management and our webmaster David Cross in North Carolina July 24-26 IBEZ North Carolina

Read the entire article Business bankruptcies up 240% since 2006 at www.usatoday.com/printedition/money/20090701/smallbiz01_cv.art.htm

Read the entire article Ecuador’s Business Confidence Index Up at online.wsj.com/article/BT-CO-20090630-711211.html