Tag Archive | "National Geographic"

The Value of Trees


Let’s look at the science, art and value of trees and many ways we can love (and profit ) from them.

I love reading Elizabeth Barret Browning’s  Sonnet 43 “How Do I Love Thee”.  I think first about my wife, children, mom, sister, friends and you, the reader, who adds so much purpose in my life.  This sonnet also reflects how I feel about trees.

How do I love thee? Let me count the ways.
I love thee to the depth and breadth and height
My soul can reach, when feeling out of sight
For the ends of being and ideal grace.

Recently I was speaking with Tom Kerr, the editor of Independence Monthly about qualities I seek when looking at real estate.

One quality I pointed out was “I look for trees“.   Tom’s conversation on this subject sparked my imagination about the value of trees.

“Logically,” I told Tom, “trees offer logging opportunities”.  Sometimes land can be purchased for less than the income logging the trees will bring.  Then I have to be honest, even though sustainable logging can help a forest, Merri and I have not been able to bring ourselves to log a single live tree for the 20+ years we have been on our farm.

There are so many other ways to profit from trees. “Let me count the ways”.

First, there are health benefits.

An article at the National Library of Medicine “What’s in a Color? The Unique Human Health Effects of Blue Light ” (1) show that color has an impact on our well being and health.

The article says: A major milestone came with the 1998 discovery of melanopsin retinal ganglion cells, a new type of photoreceptor in the eye. These cells provide signals to the suprachiasmatic nucleus (SCN), the brain’s master clock. They project to many other brain regions as well, influencing myriad aspects of human physiology.

Researchers have shown in humans that light influences hormone secretion, heart rate, alertness, sleep propensity, body temperature and gene expression.

Another article at Livescience.com “Does the color green boost exercises effects?” (2) zeros in on some health benefits from the color of green.

Working out in the great outdoors may produce more psychological benefits than hitting the gym, suggest researchers who say that “green exercise” may boost mood, self-esteem, motivation and enjoyment. But according to a new study, the positive effects of green exercise may have more to do with the color green than with being surrounded by nature.

The study is the first to show that the color green may contribute to the  feel-good benefits of outdoor exercise, the researchers said. The findings were published in the journal Environmental Science and Technology in August.

In other words, we gain health benefits from blue skies and green forests!

I definitely make sure I surround myself with green when I exercise.

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Exercising by the oak in our Florida front yard.  We have numerous huge oaks at our Florida home.  One grows right through the middle of our houses.  This tree makes an absolute mess of leaves every year.  We love it!

I use trees in play.

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My grandson, Garren, and me in a tree house we built in our back yard.

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When my brain won’t fire right in North Carolina I pack up my computer, get the hounds and go work while sitting under a tree.

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The satellite image above is of our house at the farm.  The house is at the top of the lower left meadow.  This sums up how we like trees.

The hundred year + oak below at the entrance of our Florida house, and six others around including the one growing in the middle of the house sold us on our home.

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We earn income from wood.  I have never been able to log live trees but when they fall on their own, we harvest them and put them through a portable mill.

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The wood is cured and used for different things.

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We used this lot from a big poplar that died behind our house.  We used it to build our meditation and exercise Forest Room (below).

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The view from the deck is perfect.  I lay on my yoga mat and look up at all…

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the trees and blue sky.

Most summer days we eat on our porch while looking at trees.  (The porch table by the way came from a tree we salvaged on the farm.)  We build and sell them to add a bit of income to the local economy.

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That’s the science, health and profit in trees but the deeper quality is reflected in the arts.  The book Norwegian Wood: Chopping, Stacking and Drying Wood the Scandinavian Way by Lars Mytting sums this up with this poem by Hans Børli:

The scent of fresh wood
is among the last things you will forget when the veil falls.
the scent of fresh white wood
in the spring sap time:
as though life itself walked by you,
with dew in its hair.
That sweet and naked smell
kneeling woman-soft and blond
in the silence inside you,
using your bones for
a willow flute.
With the hard frost beneath your tongue
you look for the fire to light a word,
and know, mild as southern wind in the mind,
there is still one thing in the world
you can trust. — Hans Børli

A March 2017 National Geographic article “What We Can Learn from Trees?” (3) also shows and tells why we should look upon trees with wonder.

One of the trees that article shows is…

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a Montezuma cypress known as el Árbol del Tule.  The trunk, 119 feet in circumference and roughly 38 feet in diameter, supports a crown the size of almost two tennis courts.

Here is another spectacular lesson we can learn from trees the article shares.

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This Pando clone featured in the National Geographic spread is described:

Made up of 47,000 tree trunks covering 106 acres and weighing some 13 million pounds, is real.  It’s a single organism, a quaking aspen that began life as a single seed—possibly tens of thousands of years ago—and spread by sending up shoots from an expanding root system. (Pando is Latin for “I spread.”) Each trunk is genetically identical and no more than 150 years old, but the root system may be the oldest living organism on the planet.

That’s quite a lesson in longevity, of harmony and unity.  Maybe we should look harder at the wisdom of trees in our modern divisive world!

Whatever your reason for looking at real estate, to live on, to profit from or to protect, next time you look, stop for a moment (or two) and reflect on how many ways you can love the trees.

Learn about Independence Monthly below, a publication that can help you live a simpler, richer life among trees.

Gary

(1) www.ncbi.nlm.nih.gov: What’s in a color

2) www.livescience.com:  Does the color green boost exercise’s effects

3) www.nationalgeographic.com/magazine/2017/03/wisdom-of-trees/

Regain Control

Here is how to take back control of your life as big business launches its most serious attack on being small.

When David Dao was recently dragged screaming from a United Airlines flight, his broken nose, broken front teeth and concussion were signs that when it comes to big government and big business “might seems to be right”.   Had it not been for wireless phones and the Internet United and the Chicago Airport police would have gotten away with this abuse.

The internet has been the common people’s greatest weapon in stopping big business and big government abuse.

Big businesses and government acts like we, the people, don’t matter any more?   The only leverage we had, the threat of taking our business elsewhere, or changing our vote has pretty much gone up in smoke?   We are caught in “take it or leave it, you’re just a number caught in a system”  rat race.

Has big government, big pharma, health care or big business ever made you feel metaphorically dragged off the plane because its inconvenient for them to serve you?   Are you concerned that your representative in government is more concerned about his welfare than yours?  Do you worry that you bank and credit card company are looking to rip you off rather than look after your savings?  Have you stopped complaining, because no one seems to care whether you are a satisfied customer or not?  Have you had to wait and wait on the phone or in a line to be served by anyone, a government official, doctor or service representative?

Welcome to our modern world, where markets are global, technology replaces people and we have become numbers, rather than human beings.  This is the world where words promising that we matter are only that, words.

Most people will lose even more privacy and control over their lives because as far as the big guys are concerned, we are simply numbers for sale.   Our loss of control is about to get worse… much worse due to changes in net neutrality.

Let me share some horrors that the end of net neutrality brings.  Then let’s look at a three step program you and I and a select few others can use to gain from this shift.

Here is the crunch when net neutrality ends and all traffic on the Internet is not treated equally.  Net neutrality is a concept that has truly expanded the freedom and strength of individuals and small businesses around the world.   A huge battle by big broadband providers is raging, right now, that will end the benefits for the individual.

The big guys offer us benefits that at first glance appear attractive for us as consumers.  They give us special services, such as unlimited video streaming.

There is a catch.

This means that powerful corporations can silence our voices as everyday people.  Our  phone Internet, TV, phone provider will be able to silence us if it our dissenting voices.  Even worse, new regulations now make your and my Internet records the property of the provider  (AT&T, Verizon, etc.) theirs to sell and use as they see fit.   So your ISP can look at what sites you visit and use that to profile you, sell to advertisers or provide to any other entity who could then profile you.   Television companies use which TV programs you view, which ads you watch or not and phone companies know who you call on your phone and even which words you say in those calls.

Without net neutrality your Internet provider can slow down your connection or make you pay more if you use rival competitive services.  In the worst example it’s possible that a PETA-controlled Internet provider could throttle connectivity due to the fact you looked at a hunting site or vice versa an NRA controlled provider could throttle connectivity if you were looking at a PETA site.

Our privacy would be gone.  A health insurance provider could be informed (for a payment to the internet provider) that you are looking at cigarette sites and up your premiums might rise.  The tax man could pay the provider to see how much you spend on the Internet.  Anyone can have a look if they are willing to pay.

Triple Danger

The risk grows because huge mergers, such as the AT&T- Time-Warner deal create providers who control your Internet, phone, TV and even the content you see.   This allows them to decide what messages go viral or not.  For example had United Airlines been a big client of  one of the big carriers they might have suppressed the video of David Dao being dragged from the United flight.

I invite you to get off this treadmill where we do not seem to matter and join a new movement.  Join us to become a Pruppie like my wife Merri and me.

I am sure you are asking, “what’s a Pruppie?”

Pruppies are those who use changes in technology to integrate the best features of Preppers and Uppies.  We all know about preppers.  They believe that the world, as we know it, is about to end.And we also know about Uppies, upward professionals as in Yuppies, young upward professionals.  Uppies expect their world to get better.

The reality is that the world might get better or it might get worse.  Pruppies are those who will gain either way! 

The world has changed and the events that unfold are totally beyond our control.  We do not know what unintended consequences will take place during changes with health care, in North Korea or the Middle East, or from tax reform.  The future and the global economy are unknown.   Even if we knew what would happen, we cannot do much about it.

We can do a lot about our lives and how we adapt to the change.  We can live happier, richer, low stress lives regardless of how the world turns.

I invite you to join Merri and me as Pruppies, because we expect the world to get better.  We live and earn based on that expectation but we also prepare for bad times as well as good.  Just in case… the world goes sideways… we Pruppies will still survive and prosper anyway.

We do not give up anything by being prepared either.  We can enjoy the good parts of the new economy, as we protect ourselves from what can be bad, because we can pursue our passions in many small businesses and investments so that each small stream of income adds into a large flow of cash.

There is an incredible new economy that’s opening up for those who learn how to start multi dimensional micro businesses.   Tiny businesses can offer enormous multiple streams of income in good times but can work well in disaster scenarios too.

Let me provide one simple, concrete example of a small ginseng business.  This message is not about ginseng as we’ll look at multiple ways to put money in your pocket in a moment but I wanted to feature ginseng first because if you Google where ginseng grows, you’ll see this map.

Ginseng is a great health root.  Demand for ginseng is growing especially in China.  At times good dried ginseng sells for $1,000 a pound!  This is an easy crop to grow.   The less care you give it, the more valuable it becomes.  Yet if everything goes south and you cannot sell it, the health qualities are good to have and make it an excellent barter item.  Once you know what to do with ginseng, it’s easy to grow in your back yard, if you live in the right place.  Knowing the right place, fools a lot of people.

ginseng

This map shows the accepted wisdom of where ginseng grows, but Pruppies do not accept just the established wisdom.  Thinking beyond the establishment can be profitable in the instance of ginseng because the mural below entitled “The Ginseng Story” is in Estacada and tells how Ginseng was an important crop for the local economy there before World War I.

Estacada is in Oregon.

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The point is that Pruppies look for ways to make life better in non established ways.  New technology creates many new places and new ways to earn multiple small streams of income that have been forgotten or were previously unknown.

One of the best kept secrets is that ginseng and 125 other medicinal crops that are currently unsustainable, can be grown on land that is wonderful for low stress living and is extraordinarily cheap to own.

goldenseal ginseng

Ginseng growing in our back yard.  (I know about growing ginseng and want to show you how).  But enough about ginseng.  The earning potential of this medicinal root is just one small example of how to create large earnings in many small ways.

Any Passion Can Make You Rich

Let me hasten to add, I am writer, publisher and investor, not a farmer.   Yet I love agriculture and low stress rural living, so I earn multiple small streams of income in agriculture, plus enjoy the benefits of growing and raising some of my own medicine and my own food.   This is part of being a Pruppie. The small agriculture ventures that Merri and I do are fun and each activity earns a little, plus helps us have better health.  Gardening is good exercise. Eating the fresh food we grow is a lot better than any food we’ll find in big business super markets.   Big business food is grown for the corporate profit, not your good nutrition.  If times turn tight our small agriculture enterprises could become really big in lifestyle terms.

There are almost infinite ways to have never ending prosperity so it makes sense to earn doing what you love.  Yet many of our readers doubt that this is possible.  One reader for example  asked this question.

“Dear Mr. and Mrs. Scott, I get pumped every time I read your reports and I am searching deep to figure out if my passion, which is gardening and growing exotic plants, can be turn into a money making venture. I considered a nursery but friends and family bring up the fact that many nurseries in my area were driven out by major outfits such as Home Depot, Walmart, Lowe’s etc. PLEASE ADVISE. Thank you again for your kindness. Be Blessed.”

I was delighted to have a question about gardening.  Obviously writing is my ultimate passion.  However several of my favorite hobbies include history, fishing, art, music  and gardening.

I pursue all of these passions in ways so that each can create a stream of income.

Here are  sun flowers I grow.

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These sunflowers can be made into bouquets and floral designs that stimulate my artistic bent and sell well at the local farmers market.

Anyone can make good money in small time agriculture and its a growing trend.  Take Mike McGroarty’s gardening newsletter.  McGroarty has done just as the reader above desires, learned how to earn extra income from gardening.

His website begins:  “You Can Grow Small Plants in Your Backyard and Earn Thousands of Dollars! I sold $3,421 worth of small plants from my backyard in one day! We sold $26,000 worth of Plants from Home in 4 weeks!

You Can Earn up to $45.00 per Hour at Home, Growing Small Plants in Your Backyard! I’ll show you how I do it.  It’s a blast!

Hi there, I’m Mike McGroarty and I am going to take you on a tour of the fun and exciting Backyard Nursery Business.

Have you ever wished that you could find a way to make some extra money at home?  Does earning up to $45.00 per hour at home sound impossible? It’s not. I’ll show you how you can earn fantastic money growing small plants at home.  My plants net me thousands of dollars, and I’d like to share my growing and selling techniques with you. You can get started with almost no money at all, in a very small area of your yard.  This is one of the easiest home based businesses there is to start.

Growing landscape plants is much easier than you think.  It costs me just pennies to grow my plants, and I’ve sold thousands and thousands of them at $4.97 each!  I still can’t believe how well this works.  I started this as kind of a dumb idea, thinking I could probably sell a few plants.  Never did I think they would sell they way they do.  It completely boggles my mind when I think about it.”

McGroarty has learned how to create a small ways so the trickles amount to a sizable flow.

Pruppies earn in numerous ways because there is always something we do not know.   This is also a pretty good golden rule of business. That’s why Merri and I always try to enjoy several businesses.

We have our self publishing business.

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Writing is a great way to earn.  Writers can work where they want, (here I am on our Blue Ridge farm front porch) when they desire and keep it casual.

We have other mirco businesses businesses as well.

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For example, we have an orange grove.  Not a good earner right now with citrus greening but with huge fringe (AKA known as tax breaks) benefits.

We have a real estate rental business with annual leases and also use airbnb.

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One of our airbnb listings.

We raise trout which we sell locally in North Carolina.

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There are many benefits in having numerous ways of earning.

First, each activity is enjoyable… for us.   Remember our hobbies, art, fishing, agriculture and music?   We use each of our passions to create a small business.  This stops us from becoming bored or burned out.  A passion or interest, not the money, is always the starting point we use to find new ways to serve and earn.

Second, the diversification increases the odds that we’ll always have enough income.   The years bring ups and downs in our businesses, but something always seems up so we never live beyond our means.  When we are not pressured for immediate income, the ability to earn through slow times increases… a lot.

Sometimes unseen forces, totally beyond our control, will alter investments and business.

The Wall Street Journal article “You may be in a risky business if regulators find it distasteful” tells how changing enforcement of regulations can send a good business south in a hurry.

The article begins: Imagine you have a thriving business and one morning you get a call from your banker explaining that he can no longer service your accounts.  You try to open an account at another bank but are unable to do so.  The bankers all tell you the same story: Regulators have told them that they should no longer serve you, and if they continue to do so they will face significant regulatory penalties—even though you’ve done nothing unlawful.

That’s what happened to many business owners as the result of an Obama administration policy called Operation Choke Point.  In 2011 the Federal Deposit Insurance Corp. warned banks of heightened regulatory risks from doing business with certain merchants.  A total of 30 undesirable merchant categories were affected, including purveyors of pornography or racist materials, gun and ammunition dealers, firms selling tobacco or lottery tickets, and payday lenders.

The FDIC pressured banks with the threat of “unsatisfactory Community Reinvestment Act ratings, compliance rating downgrades, restitution to consumers, and the pursuit of civil money penalties.”   They  especially went after payday lenders, simply because senior policymakers in FDIC headquarters opposed payday lending on personal grounds based on personal moral judgments rather than legitimate economic concerns.

The FDIC didn’t make formal rules or announce penalties.  Instead, they relied on informal decrees called guidance, thus avoiding congressional oversight and normal legal procedures aimed at avoiding such witch hunts.

This was ethically, morally and probably legally wrong, but what is a small business to do?

Who could have foreseen that a batch of bankers would have chosen that particular industry?  But when you have more than one or tow or three sources of income you are protected.

Success in business depends on foresight,  determination, hard work, patience, persistence, good husbandry and good fortune.  We can dramatically influence six of these seven basics, but when it comes to fortune there is always the unknown that can impact our luck.  We should expect a fair share of good luck, but suspect that some bad luck will affect us too.

When we create businesses with multiple streams of income, we don’t make our luck, but we put ourselves in a position that whatever happens, whenever, we have improved our odds of always having enough.  This knowledge eliminates the stress and worry of running out of money and becoming dependent and useless in the future.

Having multiple streams of income adds comfort when thinking about the future and that comfort is a keystone to good health, just as good health is a keystone to wealth.

When you join us as a Pruppie you join a family of like minded souls who are looking to improve their lives by improving three basic qualities of real freedom.

#1: The first basic quality of real freedom is natural good health.   None of us can be truly free until we wrest ourselves from the grip of the expensive, big pharma fueled, health care system.  Plus it has been proven that we can live longer by living in rural settings.

According to a study at the Harvard T.H. Chan School of Public Health there is an amazing correlation between living in a home surrounded by greenery and longevity and mental health.

The study of more than 108,000 subjects across America found there was a 12 percent lower risk of death for those who lived in the greenest surroundings.

Subjects with the greenest vegetation around their homes were 34 percent less likely to die of a respiratory-related issue. They also found that those living in the greenest environments were 13 percent less likely to die of cancer.  The researchers were quite surprised by this strong correlation that also extended into mental health.  Subjects  living in the greenest environments were happier and less depressed.

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Imagine how working at our trout pond that sits just below our North Carolina home helps keep us stay healthy and relieves stress.

 I have been studying how to have natural health for decades since I first connected the relationship between good health and wealth over 45 years ago.  Over these four and a half decades as we traveled the world, Merri and I have kept a continual watch for new ways to be stronger, more flexible, in better shape and more immune from disease.

After decades of study with experts in Chinese and Indian medicine Merri and I moved to Ecuador and lived and worked with an Andean shaman for years.

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Merri and me with Andean shaman.

We learned that good health and longevity come from easy, low impact but special chants, internal exercises, good nutrition and deep sleep so our bodies are fit and strong and our minds clear.

#2: The second quality of real freedom is the ability to earn through service.

Have you ever wondered, “do I matter as a person any more”?   Certainly the hectic inhumane modern social structure where business and government all treat us as a number run through a system can make us ask such a question.

This is a life and death question.

Its little wonder that many of us ask it.  The establishment, business, government, law enforcement,  health care,  education,  everything big has grown so large and so computerized that we don’t seem to matter as human beings.

So many promises, from the purchasing power of money, to savings, pensions, health care, social security, financial security, and privacy, have all been broken, so many times that no promise made by big business or big government can be trusted.   These national and global systems are simply focused on the bottom line of profit and are inhumane.

It can be Fun & Fulfilling to Matter.

We can regain a true form of importance, fulfillment, wealth and freedom by serving others in a profitable way.  A multi dimensional micro business creates freedom as it redesigns your lifestyle by bringing profit, fulfillment and peace of mind, by helping others doing what you love.

The way to maintain freedom through service and continual lifestyle reinventions is to “Go Try Things”.

Here I am working in the woods on our North Carolina Farm trying to explain the importance of this phrase “Go try things”… which sums up why you not only can but should gain the benefits of a micro business.

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In the winter, I work at our Florida home instead.

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We live in a fortunate era.  Throughout most of history, life expectancy and requirements of work meant that the most experienced sector of the work force was no longer physically able to continue.  In our high tech environment we have a chance to create their most important pinnacle career at a time when previously we would have retired.  This is the first time in mankind’s history when the value of our experience is worth more than the cost of getting it.

Today we have a global income with a self publishing micro-business with readers around the world, but run from our current homes in Smalltown USA.

I explained above how some of the small businesses we have are based on our passions, of art, music, fishing and gardening.

We have also made each of our homes multi dimensional… a home AND a source of income.  This is important because multi dimensional homes help us escape governments that cannot keep their economic promises.  History is littered with stories of serious national debt and economic problems that ruined pensions and retirees.  The burdens of debt and fiscal imprudence cause governments and societies to lose their ability to keep their promises.  Multi dimensional earnings can help overcome the risks these conditions create.

There are are specific places where you can reduce your living expenses and easily increase your income.  Scientific research has shown that being in such places actually make you smarter and healthier too.  Top this off with the fact that you might even get some tax benefits and you have to ask, “Where are these places?”.

I would like to help you learn about some of these specific places.  More important I want to share what makes them special so you can spot special places near you that I may not know.

This is why I want to offer you a second valuable report, “The Pruppie Factor”  also free, no strings attached.

As you will learn in this report, I became famous in a very small way (remember small is good) by being one of the first writers and publishers to recommend global investing 50 years ago.

Everyone thought I was crazy then.  Then we led investors to Hong Kong, London, Switzerland, Austria, the Isle of Man, Dominican Republic and Ecuador.

 In 2009 after 50 years of residence, business and investing around the world, I returned to the the USA to enjoy a more carefree, simplified life in the countryside and Small-town USA.

If you are thinking about a simpler life in Smalltown USA, you have made a good choice.   Merri and I could live anywhere I want, but have chosen to live in the USA and on properties in rather remote rural areas of Appalachia and Central Florida.

There are compelling reasons why you may want to make a similar choice, which could represent a rather dramatic, pleasant and rewarding change in your lifestyle.

The background of this fact is important.  Merri and I have lived in some of the most crowded cities in the world (London and Hong Kong).  Now we choose to live in some of the most isolated wilderness one can find.

Here is some background.   I started buying real estate at age 19.  Since that time my wife and I have purchased real estate in five states in the US and eight non US locations, Fiji, London, Gloucestershire, Isle of Man, Hong Kong, Dominican Republic, Ecuador both on the coast and in the Andes.

These purchases have ranged from raw land to condos to houses to farms to a hotel.

We have owned everything from an old manor house where construction was started in the 1700s.  Here it is, Forwood East in Minchinhampton.  Princess Anne was our next door neighbor, but we bought this house for a song.

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Forwood.

This is our front yard at Rosasamba, our 962 acre hacienda deep in the Andes, about an hour and a half outside Quito, Ecuador.

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In each case we used the same process to find and buy real estate.

Price was never the only key in these investments.  Our decisions have been based on having a better lifestyle and how it helped create multiple streams of income.  For example Rosaspamba was purchased with the idea of creating a healthy and remote healing center.

We never look for land that is simply cheap.  Instead we seek value within a particular market created by distortions in unrealized utility and value to our lifestyle.  In other words we look for property we love, where we want to live and that can help us earn extra profit.   These values are more important than just a low price.

 The Third Quality of Real Freedom is Safe, Profitable, Low Stress, Good Value Investing.

The answer to a better, freer life is to combine better health, higher income and greater savings for a happier, more resilient lifestyle. 

Merri and I are in our 49th year of living, working, investing and researching to find and share ideas on how to have simpler, low stress, healthier, more affluent lifestyles.  Our courses, reports and email messages look at ways to gain:

#1:  Low cost natural health.

#2:  Global micro business income.

#3:  Safer, more profitable, easy to make value investments.

Many readers use our services for just one of these three benefits.  They focus only on health or on earning more or on investing better.

27 years ago Merri and I created the International Club as a way for readers to join us and be immersed in all three of these benefits.   The International Club is a year long learning program aimed at helping members earn worry free income, have better affordable good health and gain extra safety and profits with value investments.

The three disciplines, health, earning and investing, work best when coordinated together.  Regretfully the attacks on our freedom are realities of life.  There is little we can do to change this big picture.  However we can change how we care for our health, how we earn and how we save so that we are among the few who live better despite the dollar’s fall.

We start with better lower cost health care.

Club membership begins by sharing ways to be free of the “Secret Hospital Charge Master”.   Just as governments hide truth behind “National Security”, big health care businesses hide medical truths behind “Charge masters”.  Most hospital charge masters are secret because big business does not want us to know how much hospital costs have risen.  Motivations beyond our good health, like corporate greed, want to keep us in the dark about health care cost.

Despite rising health care costs, a report from the Centers for Disease Control & Prevention shows that hospitals are the last place we want to be for good health.  One report shows that hospital-acquired infections alone kills 57% more Americans every year than all car accidents and falls put together.

Often, what patients catch in the hospital can be worse than what sent them there.  Governments and health care agencies agree  – antibiotic resistance is a “nightmare.”  An antibiotic-resistant bacteria may be spreading in more hospitals than patients know.  About one in every 25 hospitalized patients gets an infection and a 2013 report from the Journal of Patient Safety showed that medical errors are the third-leading cause of death in the country.

Along with the risk of hospital acquired illness and medical errors, the second huge threat to our well being… is health care costs, especially at hospitals.  This is why charge masters are so often secret.  There are few risks to our wealth that are greater than a hospital stay.

I have created three shamanic health reports are about:

#1: Nutrition

#2: Purification

#3: Exercise

Each report is available for $19.95.  However club members receive these three reports worth $59.85 free.

Club members also receive seven workshops and courses on how earn everywhere with at home micro businesses.  We call this 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”
  • “Self Fulfilled – How to Write to Sell”
  • 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”
  • The course “Event-Full – How to Earn Conducting Seminars and Tours”

This program is offered at $299, but is available to club members free. They save $299 more.

Next, club members participate in an intensive program called the Purposeful investing Course (Pi).  The purpose of Pi is finding value investments that increase safety and profit.  Learn Slow, Worry Free, Good Value Investing.

Stress, worry and fear are three of an investor’s worst enemies.  These destroyers of wealth can 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 50 years of global experience and my study of the analysis of four mathematical investing geniuses (and friends).

There are seven layers of tactics in the Pi strategy.

Pi Tactic #1: Determine purpose and good value.

Pi Tactic #2: Diversify 70% to 80% of portfolio equally in good value developed markets.

Pi Tactic #3: Invest 20% to 30% equally in good value emerging markets.

Pi Tactic  #4:  Use trending algorithms to buy sell or hold these markets.

Pi Tactic  #5:  Add spice speculating with ideal conditions.

Pi Tactic  #6: Add spice speculating with leverage.

Pi Tactic  #7:  Add spice speculating with forex potential.

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 the next year 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.

The Pi subscription is normally $299 per annum but club member receive Pi at no charge and save an additional $299.

Profit from the US dollar’s fall.

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!

Club members receive a report about opportunity in 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 become a club member you receive the report, “Three Currency Patterns For 50% Profits or More” FREE.

Plus get the $39.99 report, “The Silver Dip 2017” free.

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

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

I prepared a special report “Silver Dip 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.

The report “Silver Dip 2017” sells for $39.95 but club members receive it free as well.

The $39.95 new “Live Anywhere – Earn Everywhere Report” is also free.

There is an incredible new economy that’s opening for those who know what to do.  There are great new opportunities and many of them offer enormous income potential but also work well in disaster scenarios.

There are are specific places where you can reduce your living expenses and easily increase your income.  Scientific research has shown that being in such places actually make you smarter and healthier.  Top this off with the fact that they provide tax benefits as well and you have to ask, “Where are these places?”.

Learn about these specific places.  More important learn what makes them special.  Discover seven freedom producing steps that you can use to find other similar places of opportunity.

The report includes a tax and career plan broken into four age groups, before you finish school, from age 25 to 50 – age 50-to 65 and what to do when you reach the age where tradition wants you to re-tire.  (Another clue-you do not need to retire and probably should not!)

The report is very specific because it describes what Merri and I, our children and even my sister and thousands of our readers have done and are doing, right now.

Live Anywhere – Earn Everywhere focuses on a system that takes advantage of living in Smalltown USA, but earning locally and globally.

This report is available online for $39.99 but International Club members receive it free.

Save $418.78… “plus more” when you become a club member.

Join the International Club and receive:

#1: The $299 Personal investing Course (Pi).   Free.

#2: The $299 “Live Well and Free Anywhere Program”. Free.

#3: The $29.95 report “Three Currency Patterns For 50% Profits or More”. Free.

#4: The $39.99 report “Silver Dip 2017”. Free

#5: The three $19.99 reports “Shamanic Natural Health”.  All three free.

#6: The $39.99 “Live Anywhere – Earn Everywhere” report. Free.

#7: Plus more.

These reports, courses and programs would cost 767.78 so membership saves $418.78, “plus more”.

What’s the “plus more”?

Join the International Club for $349 and receive all the above online now, plus any online reports, online course updates or online programs we create throughout 2017 all at no additional fee. The club membership entitled you to everything.

The International Club membership is $499, but we want to encourage our first 100 members to join quickly so we are currently accepting discounted membership  at $349. 

Join the International Club for $349 and receive all the above online now, plus all reports, course updates and Pi lessons throughout 2017 at no additional fee.

Click here to become a member at the discounted rate of $349

Gary 

Message From The Tipi Man


Here is a message from a man who lives in a tipi that can help you prosper in the shifts we are living though.

See three ways to prosper by adapting to global warming.

When Merri and I first started our farm seminar center we constructed five tipis because they are so adaptable.

Fwd: gary-scott-tipis

Those we constructed at our farm but have since taken down.

So it is not surprising that we can gain wisdom on how to prosper from change by this man who lives in a tipi.

national-geographic-photo

Photo by Erika Larsen from the November 2011 National Geographic article “The People Who Walk With Reindeer”

See links to the picture gallery and article below.  The caption to this  photo says: Sven Skaltje was saddened to find the carcasses of two female reindeer whose antlers had become entangled during a dominance struggle in northern Sweden. He estimates it took three days for them to die of starvation. After separating the bodies, he saw from the ear markings that one belonged to him and the other to his cousin. Skaltje is much admired by the younger Sami in his herding group, but he is unsure whether the skills he teaches them will endure.  “Other cultures like the Romans and the Inca, were very important, and they disappeared,” he says.”That is life.”

What I believe this wise man meant was… this is reality.  This is nature. This is evolution.

As old cultures and ideas die away there is sadness… yet in each passing lies the seeds of the Phoenix that will emerge from the ashes.

Carbon Ashes

Another Inuit photo from the October 2011 National Geographic article “World Without Ice” by Robert Kunzig and photographs by Ira Block show that the need for adaptability and change are not new.

NG photos

Photograph by Ira Block National Geographic caption: Inuit Johnny Issaluk holds a recent photo of a South Carolina swamp. That’s what his home, near the Arctic Circle on Baffin Island, would have looked like 56 million years ago, when summer water temperatures at the North Pole hit 74°F.  See link to entire article below.

The article begins: 56 million years ago a mysterious surge of carbon into the atmosphere sent global temperatures soaring. In a geologic eye blink life was changed forever.

Earth has been through this before.

Not the same planetary fever exactly; it was a different world the last time, around 56 million years ago. The Atlantic Ocean had not fully opened, and animals, including perhaps our primate ancestors, could walk from Asia through Europe and across Greenland to North America. They wouldn’t have encountered a speck of ice; even before the events we’re talking about, Earth was already much warmer than it is today. But as the Paleocene epoch gave way to the Eocene, it was about to get much warmer still—rapidly, radically warmer.

The cause was a massive and geologically sudden release of carbon. Just how much carbon was injected into the atmosphere during the Paleocene-Eocene Thermal Maximum, or PETM, as scientists now call the fever period, is uncertain. But they estimate it was roughly the amount that would be injected today if human beings burned through all the Earth’s reserves of coal, oil, and natural gas. The PETM lasted more than 150,000 years, until the excess carbon was reabsorbed. It brought on drought, floods, insect plagues, and a few extinctions.

Where did all the carbon come from? We know the source of the excess carbon now pouring into the atmosphere: us. But there were no humans around 56 million years ago, much less cars and power plants. Many sources have been suggested for the PETM carbon spike, and given the amount of carbon, it likely came from more than one. At the end of the Paleocene, Europe and Greenland were pulling apart and opening the North Atlantic, resulting in massive volcanic eruptions that could have cooked carbon dioxide out of organic sediments on the seafloor, though probably not fast enough to explain the isotope spikes. Wildfires might have burned through Paleocene peat deposits, although so far soot from such fires has not turned up in sediment cores. A giant comet smashing into carbonate rocks also could have released a lot of carbon very quickly, but as yet there is no direct evidence of such an impact.

The oldest and still the most popular hypothesis is that much of the carbon came from large deposits of methane hydrate, a peculiar, icelike compound that consists of water molecules forming a cage around a single molecule of methane.

NG photos

Photograph by Ira Block  National Geographic caption: Today in the arid Bighorn, rust red bands of oxidized soil mark the sudden warming that occurred there 56 million years ago—which dried up the swamps that had been home to reptiles similar to the Okefenokee alligator pictured here.

Some research suggests that we are in the midst of a natural warming trend that began about 1850 as we emerged from a four hundred year cold spell known as the Little Ice Age.

Perhaps there is too much certainty in the world.

Certainty is an illusion of logic and if we combine our intuition with our logic we can adapt ore successfully by acting on events that seem uncertain no matter how illogical they are when they present themselves.

What to Do Now

That’s a lot of change and our world is changing again now.  Many computer models show that Scandinavia seems to be most resilient to ecological and human impacts of climate change. Indeed in the mid-term, numerous cold places, like Britain, Canada and Scandinavia will likely benefit from climate change, with longer, warmer summers, safer climate and increasing crop yields. The same goes for parts of the northern American continent.

Invest North!

Even though the thought begins without logic, Investing North has been incredibly profitable this decade.

Based on uncertainty let’s look more at opportunity in northern climes. We may not know what the weather will do in the years ahead, but we can guess pretty accurately what society will believe about the weather for some years to come.

There is a great chance that there will be a belief in global warming whether it is a reality or not.

So we should take advantage of this and follow the last of the seven clues we have been reviewing which is to adapt and adjust!

One northern area this site has been promoting for years is Scandinavia.

One can simply invest in Skandanavien shares or a Nordic ETF like the Global X FTSE Nordic Region ETF (symbol GXF)

The Global X FTSE Nordic Region ETF seeks to provide investment results that correspond generally to the price and yield performance, before fees and expenses, of the FTSE Nordic 30 Index.

I have just posted a 42 page multi currency update that shows two Global X ETFs that can help you gain extra value.   AMulti Currency Portfolio subscribers can access this report at their password protected site. Click here

See how to get your multi currency password here.

See more on ETFs from Morgan Hatfield at Ruggie Wealth Management at mhatfield@ruggiewealth.com

Another way to adapt to global warming is to do business in northern areas.

For example our Self – Publishing 202 Tidbit On Kindle course is introducing a self publishing service in Powell River Canada. 

One of our readers, after three careers (education, law practice, and business) moved to this small almost-ex-forestry mill town on the British Columbia coast. Many folks in Powell River are immersed in an effort to re-invent this small community (app. 20,000 people).

This idea fits with at least three of the themes we have been repeating for years… Invest in water…  Invest in Smalltown USA (Smalltown Canada may be even better!) and  Invest up North!  Watch for more on this in upcoming messages.

We are learning a lot about self publishing and how to publish for Kindle and more from this small town.

Powell-River-BC

Photo of Powell River British Columbia, Canada from the  bcadayatatime.com site (see link below)

Self – Publishing 202 Tidbit On Kindle Lesson Six has been posted.

Self Publishing subscribers can click here to access this lesson on your password protected site.

Learn how to get a password here.

Finally you might consider Icelandic bonds or investments.

A June 2011 Financial times article entitled “Iceland prepares $1bn bond issue” by Andrew Ward said:  Iceland is poised to raise up to $1bn in its first bond issue since the country’s banking sector collapsed in 2008, marking a step towards normalisation of its relations with international capital markets.

The dollar-denominated five-year notes are expected to price this week at around 325 basis points over mid-swaps, Europe’s reference rate, according to people familiar with the sale. The sale is managed by Barclays Capital, Citigroup and UBS.

A successful issuance would highlight Iceland’s gradual recovery from crisis and strengthen its public finances as the country nears the end of its International Monetary Fund bail-out this summer.

Iceland was one of the first European countries hit by the financial crisis but investors now view its debt as less risky than that of several more recently crisis-hit nations.

Iceland’s sovereign credit default swaps have fallen to their lowest level since the crisis at around 210 basis points, just below Spain’s and well below those of Greece, Ireland and Portugal.

That first Icelandic issue was oversubscribed two times!

Since the European debt crisis has now spilled into Italy… the US dollar may strengthen more and Icelandic bonds are a way to earn higher yields.

That’s quite a bit to fill our mental tipis with for a day… but as with tipis these ideas may seem strange but it will be unusual adaptable ideas that help us proper during change.

Gary

Learn how to make your mind more adaptable and how to invest north at our Mt. Dora.

The People Who Walk With Reindeer

World Without Ice

Global X Nordic ETF

Icelandic bond data

Iceland prepares $1bn bond issue

bcadayatatime.com

 

What R U Going 2 Do – Part Three “EKIGAI”


The power of “ekigai” can cure so many ills we see in the world.

longevity-images

Photo from National Geographic video... see more below.

That’s the power of capitalism…  to create “EKIGAI” that can help overcome poverty, inflation, illness, crime… giving and serving through trade can eradicate them all.

This is why we created our course International Business Made EZ  (IBEZ) course to help people have a better “EKIGAI”.

See what “EKIGAI” means below.

Now we are making real businesses available to subscribers of the IBEZ course.  Our recent message Global Freedom introduced how we are working with a dozen companies to create special starter packages and training programs and how we are starting first with these five businesses.

#1: Jyske Global Asset Management  (JGAM)

#2: Ecuador Imbabura Export Products

#3: Bio Wash

#4: Essential Oils

#5: Roses

We are not involved with these businesses (other than we love, use and recommend their products). We won’t make a penny from any reader’s business with them. These ARE NOT franchises or MLM deals.   Our only goal is to make our courses more effective and our subscribers more successful so they have more “EKIGAI”.

This message looks at Imbabura Ecuador Export Products and I want to especially focus on benefits of exporting beyond the profit… the “EKIGAI”.

One benefit of serving others is longevity.  There is a great short video at the National Geographic site entitled  “Longevity, the Secrets of Long Life, Sights & Sounds.”  This is where I learned the word “EKIGAI” that describes what I have always known and valued.I have linked the video at the end of this message and recommend your taking a look.

One of National Geographic’s explorers studied three areas where the residents were especially long lived, Okinawa, Sardinia and Loma Linda, California.

Some of the conclusions we should expect… Traditional natural food…  Social interaction with friends, family…  taking days off….not becoming marginalized… plus having ekigai… the phrase those in Okinawa use as “A Reason to Wake Up”.

The video sadly also points out that two of these long lived areas… Okinawa and Sardinia are losing their longevity qualities.  Families are breaking up.  Older generations are being marginalized.

Technology is driving stakes between generations. The busy life modern technology gives everyone and the ability to travel… to learn and communicate globally almost instantly is replacing (and in most places has replaced) the genetic and location centered social interaction of the family.   That life is very much gone and like Pandora, modern social ways will be hard to put back in the box!

The same technology however allows us to create our own new families and friends almost anywhere through service in business.  Take an Ecuador exports business as an example.

When you become an exporter you create your own family… your customers and your suppliers… bringing them together through your expanded horizons of the world.  No one doing something this good is marginalized!

Bonnie Keough on A Team Ecuador reports how families are being created on her export tours right now.

These are photos of the Sergovia family.

ecuador-export-images

This indigenous family lives in the countryside near Cotacachi.  They all work together in the family weaving business.  The males do the weaving, the females spin the fleece into yarn and dye it with natural colors.

ecuador-export-images

When I first visited them in 2010 they had no electricity and no indoor plumbing in their house.  It was basically one large room with a dirt floor.  This is where the family lived and worked.  The room was filled with large looms, yarn and a bed.

ecuador export images

They had candles in wire hangers over the looms so they could see to weave after dark.

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Their home and yard was neat as a pin and they were very happy to have our export tour visit them.  Currently, their goods are sold by only a few vendors in Otavalo.

ecuador-export-images

My first tour to visit their workshop was in September, 2010.  They welcomed us into  their home and demonstrated their weaving skills for us.

The delegates enjoyed meeting this hard working family and bought many of their products.  They gained a much better appreciation of all the time and skill involved in making these traditional Ecuadorian handicrafts.

I returned with a tour in November.  One of the delegates on the tour has a wholesale business and placed a very large order with the family. He ordered 500 tablerunners from them.

I saw this family’s eyes light up when they realized he was serious.  They promised delivery in two weeks and they delivered the complete order on time.

When I returned to their home with my January 2011 tour group, I was happy to see an electric service box on the outside of their house.  This was tangible progress. There was no electricity yet, but it was in the works.

Our April group visited the workshop and the lights were on!  Only a few naked bulbs hanging from the ceiling, but they have electric lights and no longer have to weave by candlelight.

ecuador export images

It’s so gratifying to see the positive impact our tour visits have had on this family. Maybe in a few more years, they will have an indoor bathroom!

I’m always looking around for artists and products.  Every tour someone asks me “How did you ever find this place?”

ecuador-export-images

Bonnie Keough

Here are some…

ecuador export images

happy…

ecuador-export-images

Ecuador export tour…

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delegates.

ecuador-export-images

An Ecuador export business can be small and earn just a little (to pay for your trips) or a lot.  One delegates just delivered 600 leather back packs.  Large or small… a business in imports and exports can help earn more and help others to live longer to enjoy the earnings with good “EKIGAI”.

Gary

We are creating a support program so Ecuador export tour delegates can have a support team in Ecuador to help with shipping and followup orders as well as sales and marketing assistance.

Learn more about joining the August 31, Sept. 1-2-3-4, 2011 Ecuador export tour.

Meet Marge… 100 years old and renewing her driver’s license. Photo from National Geographic’s website linked below.

longevity-images

Click on National Geographic’s Longevity, the Secrets of Long Life, Sights & Sounds

More Electric Investing Ideas


Will the Volt put voltage back into General Motors shares?

electric-car

Will the new Chevy Volt add energy into an electric investment portfolio?

Probably not… because small is beautiful.

In this era of rapid change a company’s value is its idea… less its size and experience.   A monster organization like GM… even trimmed down comes from the muscle car experience. Changing course from the “Giddiyap 409” attitude to “Go Green” requires enormous effort.

Yet who will come out ahead?

Chinese? South Koreans…. even Japanese?  Europeans?

The Japanese and Europeans have the benefit with their small, crowded nations, narrow and winding roads. They have always had to think smaller than in the US, where soft big and fast were the norm.

Japan’s gas prices are almost double those in the US and Europe’s are sometimes triple…. so when America’s cars were getting bigger… Europe’s and Japan’s were shrinking.

The Chinese and South Koreans are relatively new to the game so their mindset may not be as formed.

Americans did not learn much from the 1980s oil crisis.  Americans made pretty crappy, small cars at that time… the Dodge Reliant…  yuck!  No wonder Chrysler went broke.

non-electric-car

The Ford Mustang had fallen from its great beginning to a miserable low and the Chevy Malibu wasn’t any better.  We should not be surprised that the Japanese grabbed so much market share.

non-electric-car

GM rebounded with the Suburban.  Ford watched F150 pickup sales soar. Chrysler  made the minivan an every day affair and American drivers moved from gas guzzling muscle cars to gas guzzling SUVS and trucks.

Here are reader comments from our last message about green investing.

Greetings Gary, Thank you for printing the electric engineer’s letter. He is a smart guy, and used good illustrations. In his passion for reminding us that a battery is like a bucket [of course he is right] he managed to throw out the benefits of the battery out the window.  I hope he doesn’t impede you from reporting on new tech you hear about in the future. We all knew what you intended. The real point is reducing our grid use [via wind solar, whatever] and being able to store it economically. If this battery works it is the breakthrough you reported.  Please don’t lose your passion, tell us as many of the details of the vision you see, please. Happy Trails, and keep up the good work.

No chance I’ll lose my passion! I have grand kids and my children are really passionate about this so they push me right along. From the investing point of view, I know that big problems create big opportunity and there are few bigger problems than environmental pollution.

Here is another reader:  In response to the solar battery section of this post, it may interest you to access National Geographic’s August’s “Picture of the Month”.  Scout around the site until you find the series of photos from their recent article on the current state of solar power technology.

You may know that the WSJ recently had an article about a meeting Correa had with a Russian delegation to discuss Russian help building a nuclear energy plant in Ecuador. The WSJ (which hates Correa) was on red alert. But the general feeling in other media is that the Russians are meddling in “our” backyard in response to us meddling in “their” former sphere of influence, particularly those missiles in Eastern Europe.  I continue to be puzzled why no one in Ecuador, or interested in Ecuador, is looking at developing a solar power industry. Apart from the obvious abundance of stable and intense year-round solar radiation, a distribution system along the north/south axis of the Andes would avoid all the problems of moving oil and gas through mountains and volcanoes from the eastern Amazon basin west to the Pacific ports for trans-shipment.

The lack of solar would seem a puzzle until one thinks it through. Solar power is still costly and poor nations tend to go with the least expensive choice.   Plus who would help?  Solar could make Ecuador independent and no one seems to have that on their agenda.

Mankind must become greener. This is a huge problem and because problems create opportunity, demand for electric cars that help the environment may continue to grow.

When looking at investment ideas in electric cars think small… the winners are not likely go come from America’s… big (mostly busted) three.

See Jyske Bank’s Financial Friday including an interview about electric investing in cars.

Gary

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

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

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

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

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

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

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

Even Better Get All three Courses Free

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

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

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

Or head south to Ecuador!

October 16-18 Ecuador Southern coastal tour

Oct. 21-24 Ecuador Import Export Tour

Oct. 25-26 Imbabura Real Estate Tour

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

Nov. 6-8 IBEZ Ecuador Seminar

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

December 6-8 Beyond Logic Shamanic Tour

December 9-10 Imbabura Real Estate Tour

December 11-13 Ecuador Coastal Real Estate Tour

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

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

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

Ecuador Dental & Health Exercise


An Ecuador dental exercise can help you reduce your visits to the dentist plus improve  your health.

Almost anyone can use this and the other exercises below, with little time and no cost, below to enhance their health.

This is important because the existing health care system in the US is creating enormous stress and financial concern.

A recent article “Baby Boomers Struggle”in Baby Boomer Magazine pointed this out in this excerpt:

Paying for medical care has long been a struggle for many Baby Boomers as budgets tighten because of the economic crunch.  Even more obvious, Baby Boomers are skimping on needed treatment.

Nearly half of American Baby Boomers now report that someone in their family has cut back on their medical care or prescribed medications—postponing checkups, recommended tests and procedures; cutting pills or skipping doses of required medications; or not filling new prescriptions, according to a Kaiser Family Foundation poll conducted in October. That’s up from 42 percent of those surveyed six months earlier.

One in three Baby Boomers are having trouble paying medical bills, and one in five reports medical debt of at least $1,000.

“Even in 2007, before the economy really took a downspin, we saw that one in five people was having problems paying medical bills—up from one in seven in 2003,” says Alwyn Cassil, director of public affairs for the Center for Studying Health System Change, a nonpartisan health policy research organization in Washington. “But what we didn’t see last year were these rising rates in unemployment and the problems on Wall Street. The economy may not have been great then, but it wasn’t as bad as it is now.”

Before the fall economic fallout, at least 79 million Americans – including some 7 million Baby Boomers and older – were already struggling with health care bills. Now, more are doing what they can to avoid joining those ranks, even when it means their health and comfort suffer.

In a recent national survey conducted by AARP, one in five respondents blamed health problems on financial stress. About the same percentage said they had delayed seeing a doctor or other medical professional; many reported cutting back on drugs and necessary health care. Roughly one in five respondents also reported seeking outside assistance through drug companies, pharmacies and other programs to reduce their health costs.

Since the recent financial crisis made news, the American Psychological Association reports a 12 percent increase over last spring in people saying the economy is a significant source of stress; those hardest hit are women middle-aged and older.

The entire article shows how to reduce health costs (a link is at the end of this message) but misses ideas on natural… no cost health ideas like the Ecuador dental exercise below.

Actually these exercises are universal.  When Merri and I travel we watch for hints… ancient secrets that can improve our lifestyle.    Usually we find that the knowledge we learn in one country is connected in others.

Knowing how to simply maintain our good health and energy is really important during this economic downturn.

Recessions and depressions are the breeding ground for the next group of extreme rich.   Those who succeed need more than money.

They need good health and a great deal of energy and vitality.  These are the most important assets of all.

Plus the inflation that will come from all the government spending will make the medical systems even more expensive and less accessible.

Merri and I have enormous energy vitality and enthusiasm, running the farm, our publishing business and looking for what’s next.  Even though we collect Social Security, we feel as if we are just getting started.  Despite our heavy work load and travel schedule we seem to be getting younger.

One reason for this are some exercises we learned in Ecuador.

The first exercise is simply to have a cold shower in the morning.

In the early 1970s, Dr. Alexander Leaf was commissioned by National Geographic to study, and write an article about the world’s healthiest and most long-living people.

When Dr. Leaf began his study and his travels, three regions of the world were famous for the longevity of their inhabitants: the valley of Vilcabamba in Ecuador, the Hunza region of Pakistan, and certain portions of the Caucasus mountains in what was then the Soviet Union.

He traveled to these remote areas met, photographed, examined, and appraised these old and healthy people. Dr. Leaf listened to their hearts, took their blood pressure, and studied their diets and lifestyles. He watched them dance and saw them bathe in ice-cold mountain streams. He spoke with them about their daily lives, their hopes, their fears, their life histories. His goal was to separate fact from fallacy and determine the truth about longevity.

One of the Caucasus mountain centurions that Leaf interviewed made the comment. “If I have the strength to get in the creek, it is not my day to die”!

When Merri and I lived in the mountains with an Ecuador yatchak (one who knows), he taught us many exercises for vitality health and longevity.

Having read the National Geographic article, I was not surprised to see that one exercise each day was to, after exercise, bath in ice cold water… and then air dry.

The cold water after exercise rushes oxygen enriched blood to the organs. The hydrogen water molecules in the evaporation process binds with free radicals and helps purify the body via the skin.

In the Eighties, NASA research confirmed that regular cold water swimming leads to a series of bodily changes called “cold adaptation”, which lowers blood pressure and cholesterol and increases fertility and libido in men and women.

When Merri and I lived in our first house on the farm, we were next to Little Horse Creek… so each day I jumped in this chilled mountain stream… even in winter.

Here I am with our son Jake… one Christmas celebration amidst the ice and snow.

ecuador-dental-exercise

Once we moved to our new house on the farm, we were away from the creek so for efficiency sake, I  installed a spring fed pond in our back yard… continually filled with the same 59 degree temperature water… so I can jump in after my morning exercises. ecuador-dental-exercise

Brrr!

So what exercise to do before that cold shower?

The yatchaks taught us many exercises for longevity.  One often visited markets and one day he bought me a wooden carving of an indigenous ancient in a position of what could be considered exercise and or prayer.  Much of the ancient knowledge has been passed on orally and via coded painted wood and also preserved in Khipus (strings that passed through a knotty alphanumeric system).

After learning this Andean exercise I began seeing how ancients all over the world knew about this.

After receiving the figurine, sometime later I was inducted into an ancient order, the Knights Hospitaler, which has roots dating back a thousand years. Early on as knowledge of symbols was shared with me by the Grand Prior, I spotted something that even he did not know.

He introduced me to one of the grand symbols of the Order.   I did not say a word but saw that the thousand year old symbol of the Knights Hospitaler and my wooden Incan figurine showed the same exercise.

Lessons From Continents Apart

I do this exercise each morning beginning with a stretch to the sun.

ecuador-dental-exercise

Then squat down until your knee touches your opposite heel.

ecuador-dental-exercise

Bring your hands down to absorb the earth energy but do not touch the ground.

ecuador-dental-exercise

Then raise your hand to absorb the sun energy before standing back into the sun position.

ecuador-dental-exercise

This first of all increases your odds for longevity because it improves your balance.

Balance is like a muscle. If you don’t use it,  you lose it.

The two main causes of death in people over 40 years of age (after auto accidents) are falls and accidental overdoses from legal and illegal drugs.

An excerpt from a msnbc.msn.com article about accidental death says:

Alan McMillan, CEO of the National Safety Council says deaths from workplace accidents and car crashes have been fairly stable.

Older motorcycle operators also add to the death toll, McMillan said. Thirty-five percent of motorcycle deaths in 2005 were among bikers age 45 and older. A decade earlier, 15 percent of biker deaths were among the older age group. Motorcycle deaths in 2005 totaled 4,232, more than double the number in 1995.

Tips to prevent injuries from falling

Here are some tips from the American Academy of Orthopaedic Surgeons and the National Athletic Trainers’ Association to help prevent injuries from falls.

Keep muscles and bones strong, by following an exercise regimen:

— Strength training with weight bearing and resistive exercise works for all age groups.

— Practice exercises designed to help improve balance.

— Exercise at least three days a week to improve strength, flexibility and balance.
— Choose low-impact exercises, such as yoga, tai chi and Pilates to avoid stress on joints.

— Stretch daily to improve flexibility and mobility.

The rate of deaths from falls for people 65 and older rose 31 percent from 1999 to 2003, the council reported, which means that deaths from falls are increasing faster than the older population is increasing. A death within one year after a fall can be attributed to the fall.

“We tend to see our home as our safe haven. The data tell us it’s not,” McMillan said, adding that families can take steps to protect the elderly from falls by removing hazards and installing stair rails and grab bars.

Accidental poisoning deaths, mostly caused by medication or illegal drug overdoses, increased from 17,550 in 2002 to 19,457 in 2003. The rate climbed from 6.4 to 6.7 deaths per 100,000 people.

In other words the first way to increase longevity is to exercise for flexibility and balance, avoid drugs and medicine and sell your Harley! Then to improve the quality of heath and reduce the odds of illness, improve your nutrition.

Good nutrtion begins with your food choices and your mouth.

This is where the Ecuador dental exercise helps.   These exercise exercises and strengthens the teeth and much more.  They are incredibly simple and easy to do.   They stimulate the teeth and gums, plus help promote digestion.

First,  run your tongue around your teeth like a toothbrush. This stimulates saliva.

Increased saliva helps digestion.  Saliva also triggers production of a hormone that helps prevent tooth decay. Third saliva kills germs in the mouth.

Finally this exercise strengthens the heart because the tongue is connected to the heart.

Second, collect the saliva in the mouth and churn it around like a mouth wash.

Third, click the teeth easily together three dozen times.  This stimulates and awakens the gums and teeth.

Good health is one of the most mportant assets we can have and is increasingly harder to attain in the West as health care grows in expense. We can use ancient wisdom to overcome and eliminate health problems like the Ecuador dental and other exercises above.

Gary

Join us July 24-26 in the cool Blue Ridge during the hot summer and save $175.

We hope you’ll share our beautiful lifestyle in the cool Blue Ridge with us this summer. July 24-26 IBEZ North Carolina

I have just sent our multi currency email course subscribers a report on coffee related shares that now have a strong upward trend.

Enroll in our July 24-26 seminar and I will enroll you in our multi currency course and send this coffee investing report free. You save $175.

Merri and I love our life in the Blue Ridge… the rushing streams and..

investing-course

cool, green forest.

We invite delegates to the farm for lunch and we’ll take a walk through the woods with delegates who would like to…

investing-course

enjoy nature and the views.

We’ll have a wine tasting of Blue Ridge organic wines. Here are delegates at the tasting last year.

investing-course

I have just sent our multi currency email course subscribers a report on coffee related shares that now have a strong upward trend.

Enroll in our July 24-26 seminar and I will enroll you in our multi currency course and send this coffee investing report free. You save $175. July 24-26 IBEZ North Carolina

Read the msnbc.msn.com article about accidental death at

http://www.msnbc.msn.com/id/19080118/

Read the article Baby Boomers Struggle at

www.babyboomer-magazine.com/news/127/ARTICLE/1407/2009-03-20.html

Vilcabamba Ecuador Small Hotel


Madre Tierre is a small Ecuador hotel in Vilcabamba. Here is the entrance to this small Ecuador hotel.

vilcabamba-small-hotel

We have been sharing this series on Small Ecuador Hotels.

There is an Ecuador small hotel business opportunity in Vilcabamba now.  This message reviews this opportunity in a moment.

First, the subject of Social Security rules about working and owning a business abroad (that could reduce Social Security) and Ecuador’s new asset reporting regulation has sent many of you to the keyboard!

Yesterday’s message on Ecuador & Privacy raised many questions that I cannot answer personally.  As a financial publisher I cannot give individual legal or investing advice.

I can answer tax questions in general if I send the reply all readers. For example, one reader just ask: Gary, Re the continuing discussion of foreign & domestic taxes,

In the 1980s, my husband was working for an American corporation in Saudi. One incentive – at least back in the day – was that income earned there was exempt from US taxes unless the employee broke the contract and left early.

I realize that the situation of being an employee is different from being a business owner or being self-employed.  And I have no idea whether the arrangement described above applied to all US companies or some (the corporation in question was Bechtel).

That said, if earnings are taxed in the country where they are earned and then taxed again in the country of residence or citizenship, this constitutes double taxation – kind of like getting taxed on your income tax refund. Do your tax experts have any comments on whether international law allows or prohibits double taxation?

The answer is that there are tax treaties between the US and many countries, including Ecuador, so if you reside outside the US and are under another tax jurisdiction in another country, then you do not have to pay double tax.

In many instances there are even tax benefits… called the Foreign Earned Income Exclusion. The IRS code says: If you are a U.S. citizen or a resident alien of the United States and you live abroad, you are taxed on your worldwide income. However, you may qualify to exclude from income up to $87,600 of your foreign earnings. In addition, you can exclude or deduct certain foreign housing amounts.

There can be even greater tax benefits when you have a correctly structured business abroad. This is explained in the tax portion of our Tangled Web… How to Have an Overseas Business course. Joe Cox wrote the tax portion for me and the excerpt below explains how the benefit can be achieved.

The excerpt begins: Seven Taxing Levels

International business people have at least seven levels to choose from when they start their international business:

#1: Sole Proprietorship
#2: U.S. Corporation
#3: Overseas International Business Corporation or Limited Liability Company or Limited Partnership
#4: Foreign Sales Company
#5: Overseas Trust with Overseas Company
#6: Multiple Overseas Corporate Structure
#7: Overseas Corporate Structure with Genuine Non U.S. Shareholders

Over the duration of this course we will review all of these structures and when each works best. But whenever it is possible to attain, the seventh structure is always the best from a tax point of view.

This generally is the best from a business point of view as well because it means you have someone abroad helping you with your business.

Merri’s and my new business in Ecuador was this situation. We created a business using partners who will help us build the center, run it and provide the valuable knowledge.

This assistance is invaluable. We could not do this business (which I believe will so well as do good for the clients and community) without their help and involvement.

The tax key is that any business owned 50% or less by a U.S. person and 50% or
more by non-U.S. persons pays no U.S. tax. Such a company does not have to even file a U.S. tax return.

This is a complicated law, filled with land mines and I would not hope to understand or explain it all. Instead in this lesson I have asked my tax attorney to explain the legal aspects of this tax law. I will add my comments along the way to help you understand more in lay terms.

Essentially CFC law aims at stopping investors from putting money into an overseas corporation and not paying tax. This is because in general overseas corporations that do not do business in the U.S., do not have to file with the IRS and never owe U.S. tax. Subpart F of the Internal Revenue Code aims to stop investors from simply putting capital and investments in overseas companies and thus avoiding tax on the income from these investments.

Essentially the law creates three concepts. First, it creates the concept that income such as rents, royalties, interest, dividends and portfolio income are unearned and are different from income earned by business activities in a company.

Second, it creates the concept of when an overseas company is controlled by an
American. An American is any U.S. citizen, green card holder or resident.

Third, it creates the concept that if an overseas company is controlled by an
American, then that American has a personal tax liability on parts of the unearned income earned by that overseas company. You can see in Joe’s outline below as he clarifies the specifics in great detail.

Foreign Corporation Tax Issues by JOE B. COX, ESQ.

A. CONTROLLED FOREIGN “CORPORATIONS (“CFC”)

1.  The principal purpose of Subpart F of the Internal Revenue Code (IRC) is to frustrate U.S. taxpayers’ attempts to defer the U.S. tax on income falling within Subpart F.

2.  Generally, Subpart-F income is “portable” income, which can be manipulated by U.S.

Taxpayers through the use of foreign corporations.

Gary’s Comments: This is one of the most interesting areas of tax law for the international businessperson. This outline will explain why sharing my business with Ecuadorians will create a tax paradise.

End of Excerpt.

Do not be confused.  Income tax planning does not necessarily create good Social Security planning.  If you have not reviewed your Social Security regulations and you plan to live and work abroad… see a tax attorney about this.

I have reviewed these rules with both my attorneys in the US and Ecuador.

My US attorney and very good friend, Joe Cox wrote:  Gary, I have set it up so my personal assistant April Barza can answer calls and e-mails and schedule a no obligation, no fee conference call on the questions that come out of your newsletter or seminar.  I would not want to give the government of Ecuador a listing of my international holdings.  I would think they would have no security with that information.  Joe.

You can reach Joe Cox at jcox@coxnici.com or his personal assistant April Barza at abarza@coxnici.com

You can reach my Ecuador attorney, Floridalva Zambrano, at FLORIFLORI58@YAHOO.ES

Back to small Ecuador hotel opportunity in Vilcabamba.

Recent messages have looked at Vilcabamba real estate.

When we began investigating Ecuador back in the mid 1990s.  Joseph Garzozi, the Ecuador Economic Consul in Miami was one of the first people we visited.

One of the places he recommended we visit was the village of Vilcabamba.

vilcabamba-small-hotel

The Madre Tierra restaurant at this small Ecuador hotel.

I researched this Ecuador village and became fascinated with the fact that some of the residents there lived to extreme ages.

Further research brought us to an article written in the January 1973 National Geographic entitled, “Every Day Over 100 is a Gift” written by Dr. Alexander Leaf. This article was written about the three valleys-one in Georgia (then USSR), one in Pakistan (Hunza) and the valley of Vilcabamba, where 1,080 people per 100,000 lived on average to be 100. The article compared this to three per 100,000 in the United States. More important those who reached a ripe age (even over 100) remained vital, sexually active, still work and participate regularly in the community.

This greatly peaked our curiosity and we started looking for ways to visit this valley.  This was easier said then done.  One reason the population was long lived was because they were isolated from the rest of society. Few people knew how to get to Vilcabamba.

Finally we found a national guide, Eduardo Quito, who could take us.   We flew to Cuenca where we met Eduardo and then drove south along the Andes for an entire day to Loja.   A Quito Loja flight would have been faster but we wanted to see this part of the world.

We spent the night in Loja and Eduardo drove us next day to Vilcabamba where we stayed at a small hotel, Madre Tierra.   This small Ecuador hotel was owned at that time by an Ecuadorian, Jaime Espinosa and his French Canadian wife.

Madre Tierra was a popular spot for Israelis  and other backpackers hiking along the Gringo Trail at that time.  There was a sign in Hebrew Letters that said “Shalom, Jaime’s Hideaway” and the room rate then was $9.00 per night for Israelis and $10 to $15  for all others.

The rooms were little thatched cottages sprawling down a steep hillside with rich gardens and killer views.  Breakfast and dinner were served on the terrace.

Backpackers were not very profitable guests.  It is hard to develop much revenue with $9 a night rooms.  Jaime and his wife were in the process of creating a spa.  They had just installed a spa, massage room, hot tub, steam and clay baths and special cold and water accupressure treatment.

They hired us to consult with them about how to upgrade their market so we spent an enjoyable day talking, thinking about how to get a higher grade of guest and enjoying the spa.

After working with the couple we headed back to Cuenca fully expecting to return to Vilcabamba with a group.

Then as the saying goes, “life happened.”  Vilcabamba is remote… an extra day’s journey when reaching Ecuador and this spectacular valley never worked into our plans.

However Vilcabamba did take off and we hear from many readers that they are moving or have moved to Vilcabamba.

We also heard that a retired actor and his wife had purchased this small Ecuador hotel.

Due to this background and the fact I am always looking for ways that readers can earn income in Ecuador, I perked up when I received the note below.

“Gary,  This is an emergency message for YOU and Merri.  You may recall that my husband and I own the Madre Tierra Hotel (Spa, Restaurant, craftsman
Conference/ballroom dance floor/theater Center) in Vilcabamba.  This is to
notify you, in case you have potential buyers or you would be interested
yourself to buy and/or make a commission, that we are putting the hotel, and
our home and guest houses, and our 360 degree view farm with mansion and
sugar cane mill, all adjacent and minutes walk to the village, up for
emergency sale.

This wasn’t an emergency until TODAY…as a family member has to go in for surgery tomorrow morning.

I do not want to handle the stress of anything else right now.  So I’m writing to tell YOU that we’d even be willing to sell both properties for the price of one.

In other words, this has suddenly become an illness, desperation emergency sale.

We left most of the main furniture there so someone could move in
immediately…and the hotel is turn-key  (World Travel Awards nominated it
for the third year in a row in the category of Best Hotel and Spa in Ecuador
category…it’s truly a paradise!).

vilcabamba-small-hotel

Here is the spa in this small Vilcabamba hotel.

Our six acre home/mansion with the most spectacular views of all time has three craftsman fabulous guest houses and stables, etc.   We are selling the 43 hectare farm that has a 360 degree view mansion and worker house and a working sugar cane factory, etc.

vilcabamba-small-hotel

View of the farm from the house.

We’ll take an offer from you or anyone and will offer a discount to any reader who comes down and stays at the hotel.

I have followed your work for many decades…and so appreciate you and
Merri.  Now, I’m letting you know about this…as I feel it would be a great
opportunity to add to your successes, and a wonderful deal for one of your
friends or contacts.

Perhaps you can find a buyer we’d love who would love owning our beautiful
properties as much as we have loved them. We know a lot of people would love
to live in the Valley of Longevity.   Again, these properties are adjacent
to each other and just minutes walk to the village…location location
location…the farm is located along the river (never flooded! And possible
for development or farming…)…has a pure water well and various
additional water sources available, too, and so much more.

vilcabamba-small-hotel

Madre Tierra conference room and theater.

Thank you for all you do for others and the world.  Much love to you both, Carol Rosin.

As mentioned I have not been to Vilcabamba nor Madre Tierra for at least 15 years. A lot appears to have changed and Madre Tierra appears to have dramatically upgraded its market.

This offers an opportunity for readers who live in or are thinking of moving to Vilcabama and want a business.  The seller offered a commission and we explained we do not accept commissions so this savings may help this make this a better deal for our Ecuador Living subscribers.

You read a full report on this offer with contact details as an Ecuador Living subscriber.

I have no updated knowledge of the property, income, profit and any buyer should use all normal due diligence in looking at this offer.

Regards,

Gary

We hope you’ll join us to learn more business and investing opportunities globally as well as Ecuador.

July 4-8 Ecuador Export Tour

July 8-9 Imbabura Real Estate Tour
July 10-13 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.

July 24-26 IBEZ North Carolina

Sept. 17-21 Ecuador Spanish Course

Sept. 23-24 Imbabura Real Estate Tour
Sept. 25-28 Ecuador Coastal Real Estate Tour

Oct. 9-11 IBEZ North Carolina

Oct. 21-24 Ecuador Import Export Expedition

Nov. 6-8 IBEZ Ecuador

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

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

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