Tag Archive | "Nevada"

Ecuador & Intuitive Investing


Ecuador and intuitive investing were part of our last International Investment and Business Course of 2009 which we concluded yesterday.

Delegates enjoyed an afternoon lunch at our home Sunday afternoon, along with the autumnal sun and the views below.

ecuador-intuition

We told the story of how we began investing in Ecuador real estate and how Ecuador property and international investments can produce greater profit and safety when you combine hard work with your intellect and intuition.

ecuador-intuition

We looked at how hunches are often communication with knowledge beyond logic.  Intuition can make your investing luckier as well as more profitable.

When you take a global view, you gain greater scope for opportunity. Intuition expands your ability to find wise investments.  Yet you have more details to sift through.

During the course Thomas Fischer spoke about Jyske Bank stock and I shared a story of how Merri and I made a huge profit on this stock when we used intuition to buy shares in Jyske.

The graph below shows how Jyske Bank shares performed  from 2002 when Merri and I bought these shares.

We looked at the unusual part of this story which is how Merri and I used a hunch to buy Jyske shares at DKK 96.50 on 2nd September 2002 and sold a portion in April 2006 at DKK 352.50. Our profit was 265.28% in Danish kroner terms. But at the date of purchase the USD-DKK rate was 754 and dropped to 612 meaning that we gained another 18.8% in US dollars on the currency appreciation.

Even after the crash of 2008 our position in these shares is worth more than our original investment plus we have all the profit we took.

This is a great profit but the story of how we bought these shares is even better!

Here is what happened.  Merri and I were visiting the bank with a group of readers. We had been in Copenhagen for several days and took the group out to the bank’s headquarters in the small charming village of Silkeborg. We visited the CEO (who has been a friend for many years) in his new modest offices, saw the bank’s new currency trading room and visited with the Jyske Invest fund managers. We were all standing in the atrium of the headquarters when I suddenly had this hunch…a feeling is the strongest thing you could call it, to buy Jyske shares. I looked at Merri. She looked at me and I said, “Are you thinking what I am?”   She said “We should buy Jyske shares”.

I did not say another word but asked Thomas Fischer who was standing nearby if I could borrow his cell phone, called my Jyske account manager in Copenhagen and placed the order. That call has created enough profit for Merri and me to live on for many years.

Again and again Merri and I have had this “sudden moment” that has brought us a fortune or something truly wonderful in life. This unexpected look in each other’s eyes has led without further discussions to investment of hundreds of thousands of dollars.

We bought our hotel Meson de las Flores in Ecuador this same way, with less than 30 seconds of deliberation.

Ecuador-real-estate

I was upstairs looking at the hotel rooms.

Ecuador-real-estate

Merri was downstairs in the courtyard.

Ecuador-real-estate

I walked down.

Merri walked up.

We met on these stairs.

Ecuador-real-estate

Our eyes locked… and we knew.  “Buy this hotel.”

Then, I suggested that we not even look in the bedrooms, because we might change our mind!

We did and though we have never been involved in hotels before, we have enjoyed considerable success.

Yet the story of how we have come to rely on these spontaneous, good luck hunches is even more interesting.

I do not share this story often but am doing so now because I was reminded the importance of intuition when we discussed the Jyske shares at our course.

This story dates back to the early 80s.  Merri and I had met but did not know one another all that well. We were in Las Vegas with a mutual friend who had introduced us attending an investment conference where I was a speaker.

We were all sitting round chatting one evening when Merri suddenly said, “I think you would be good at psychometry.”

“Great”, I said. “What’s Psychometry?”

Psychometry it turned out is a form of communication using the sense of touch to get mental impressions linked to an object. She had a silver doubloon with her that had come from Mel Fisher’s Atocha treasure. I was game and said “Let’s try it”.

The idea is that psychometric impressions come in the form of emotions, sounds, scents, tastes or images. Because we live in an electromagnetic energy environment, metal objects often work best.

The term was coined in 1842 by Joseph R. Buchanan, an American physiologist, who claimed it could be used to measure the ‘soul’ of all things. Buchanan further said that the past is entombed in the present. He experimented with students at Cincinnati Medical School and found that some people who had been given unmarked bottles of medicine had the same reaction as if they had taken the medicine. He developed the theory that all things give off an emanation which contained a sort of record of the history of the object. He believed that objects recorded senses and emotions and these could be sensed in the mind.

I did not know this at the time but was game so held the coin and must say that as I went into a meditative state I did start having some visions. First I saw a brilliant blue..unusual for me as I never dream in color. The Atocha was carrying indigo I was later told but this did not really impress me much.

Then I saw a man, obviously Spanish in one of those puffy, white silk shirts with a women in a very unusual hairdo…”like peacock feathers,” I described. Then I saw a sword, very specific, a wine flask wrapped in filigree silver, a huge belt buckle on the man and ended up seeing flames, I said were “like sheaths of wheat”.

So that was that. I was not really impressed. Big deal…who was the guy, the gal? What’s all this weird stuff.

I was not impressed.

So we with a friend (who had faithfully sat through this) went to dinner, typical, Italian Las Vegas fare. After dinner our mutual friend suggested we stop by a show called Circus Circus. I had never been to a Vegas show so “Why not?” I said, “sounds like fun”.

As we entered “Circus-Circus” a new act was just beginning and the introducer came out. It was the woman I had described. Merri and our mutual friend had heard my description so they were impressed with the similarity.

I was stunned because this was not a similarity. This was the woman I had seen hours before in my dream.

She introduced the act, a juggler who came out, the Spanish guy in the silk short with the belt buckle! My knees were now wobbly.

The act included juggling the swords I had described and balancing the wine flask I had seen. In the end my friend said, “If I see the sheaths of flame I am convinced!” Sure enough the end of the finale included an assistant who was lighting huge Bunsen burners and jumping through the sheaths of flame as he juggled away.

Somehow, and I have never been able to explain this, holding that coin allowed me to see the future, not the past. I have never tried psychometry again nor do I intend to.

That evening changed my life because it showed me in terms I could not deny, nor will ever forget, that we are connected to knowledge and information that reaches way beyond our sense and logic.

That moment gave Merri and me confidence that hunches are more than wild imagination. They are a form of communication that go beyond what our brain can sort out in finite terms. That seed of belief was planted those many years ago and intuitive success upon success has caused it to grow.

As mentioned, we made a small fortune (for us at least) with the Jyske shares based on this hunch. We bought our hotel in Ecuador.

So the next time you need a miracle…don’t deny that one can happen… for good and for you… if you will allow it.

This does not mean you should stop using your logic.  Nor should you quit using due diligence.

Success increases when you learn to fuse the intellect and intuition, not abandon nor honor one over the other. They work best as a team!

Nor does it mean you should go out and risk all on a hunch. Start small….all things should start small and grow.

You possess connections to infinite knowledge. Your mind cannot grapple this because the act of defining defeats the very thing you are connected to.

However if you can let go and let your intuition lead you, you too may have some wonderful surprises and luck that after awhile will not be surprising at all!

Until next message, may all of your surprises and luck bring richness to you.

Gary

As international investors and real estate buyers, we are forced to deal with forces beyond our understanding and control. We must find simple ways to make decisions about complicated problems, knowing that many of the facts are unknown.   We have to deal with the future in terms of our past experience.

This is why I invited our friend Blaine Watson to repeat his popular course on Astrology and Beyond Logic.   Astrology presents a “what if” that pushes our thought process beyond past experience and encourages us to think in new ways to deal with future events.  This is a simple but powerful way to add an extra dimension into your process of thought.

Blaine Watson teaching his Beyond Logic course… always one of our most popular courses each year.

We have been able to organize one more Beyond Logic and Shamanic Course for December 2009. See details here.

December 6-8 Beyond Logic Shamanic Tour

December 9-10 Imbabura Real Estate Tour

December 11-13 Ecuador Coastal Real Estate Tour

ecuador-shamans

Gary

Other 2009 Ecuador Tours.

Oct. 25-26 Imbabura Real Estate Tour

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

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

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

ecuador-shamans

We invite villagers to join us… family and all.

Ecuador Export & Southern Coastal Tour


We have added an October Ecuador southern coastal and a northern Andes real estate tour to our 2009 schedule.

This southern coastal tour will be conducted just before our final Ecuador export tour of the year conducted October 21 to 25.  The Andes real estate tour will be conducted just after the export tour so you can attend all three.

ecuador-exports

We’ll see fine gold encrusted art on the export tour.

Maggie Beesley conducts our export tours and she just sent me this note.

ecuador-exports

Leather products of all types.

Value, Value, Value.  Today’s economy has us all looking for value in everything.  In reading Gary Scott’s emails for the last two weeks, we are all learning about ways to help our dollars to go farther, as well as how and where to get wise values.

ecuador-exports

Wood carving.

October 21st thru October 24th we will be conducting another Import/Export class in Cotacachi, Ecuador.

If you are a reader of International Living, or Gary’s Ecuador Living, you know Ecuador is rated the number one country in the Retirement Index.

What does this mean?

Value is here, prices are incredible, cost of living anyone can afford and wonderful shopping.

Who should come to the class, why you should come, and what you will learn?

ecuador-exports

Botanical art.

In other words…what is this class all about?

•    Creating income
•    Finding those “one of a kind” treasures
•    Having fun doing the above two things

Of course, those are only three things.  You are going to learn to recognize true “finds”….know what your market will buy, and get all these wonderful treasures in your suitcase home safe and sound.

ecuador-exports

Ceramics.

We all know shopping is much different today than it was this time last year.  Last year we were still charging whatever we wanted.  This year we are paying cash for whatever we want.  People never spend as much if paying with cash.  So our mission in class is to find things for your market that are affordable, attractive, AND your people will happily hand over those hard earned dollars still allowing you a nice profit.

As I said this time last year, the main question I was asked “Do you take credit cards?”

I did a Bazaar yesterday and not one person charged anything.  The phrase of the day was “if I can’t pay cash for it, I won’t buy it.”  So right away I know some of the high end items that were selling left and right this time last year aren’t going to be my main sales today.

What have I learned?

Always be prepared to offer less expensive alternatives…not less quality, just more affordable for this cash market we are in.  The Credit Card Machine that was a must last year is an unneeded start up expense to you right now.

Don’t waste your money.  Plus the beauty of cash is that there are no additional charges from your bank to process those charges.  All a little more profit for you.  Yesterday at the Bazaar there were 16 vendors and I was the only one who had a credit card machine, and it sat, meaning at the end of the month, that “sitting” charge will cost me $48.00.

ecuador-exports

Jewelry

ecuador-exports

of many types.

ecuador-exports

Now for this class there is a little homework, but fun homework.

FIRST ASSIGNMENT…..I want each of you to think about what you would buy today?

I am not talking about groceries.

Ladies, is it that “to die for” pair of boots on sale, perhaps a leather purse, maybe a wrap for early fall, or decorations for the December holidays?

Guys, what would you buy today? Boots, new billfold/wallet, leather sports jacket, sweater? Just think about what you would spend your hard earned dollars on.

ecuador-exports

Top quality hand made suits at really low prices. This suit in french wool cost $135.

Your needs and wants are probably what will sell in your market, and that is what we need to look for.

Knowing your market is probably the most important knowledge you will take with you when making those purchases for resale.  Many of you already know about my red cape.  I love my red cape, however up in the Northeast my buyers are a little more conservative and red is not necessarily their first color of choice.

Gary Scott told me all about knowing my market, but I just love red.  I purchased 6 red alpaca capes plus 1 beige,  1 sage, 1 tan, 1 navy, and 2 black.

Yes you guessed it.

The red capes sat for a bit, but the neutral colors sold instantly and I could have sold more.  So I lost sales, and warehoused those 6 red capes until Christmas.  Moral to this story, please know your market.

ecuador-exports

Flowers.

Your SECOND ASSIGNMENT… Please walk around your shopping areas and notice what colors people are wearing. Go into the stores and see what is on display.  Look at every catalogue you get.  What are those colors everyone is looking at?  Purple is huge again in the catalogues and stores, but do you see your market going with the fashion trends?

Look at accessories.

Scarves, jewelry, purses, shawls and make note of the prices.  Accessories have a very high markup, and this is where we can really make our money.

You all have your assignments, so get to work.  In class I want to see pictures you have cut out of catalogues, and let’s see if we can’t find those same items in Ecuador for much better prices.  It is fun!

ecuador-exports

Textiles of…

ecuador-exports

many

ecuador-exports

types.

Look forward to seeing many of you in Ecuador.  By the way, if you haven’t made your flight reservations, there is what I call an “airplane sale” going right now for flights into South America. Grab those lower prices…and you just saved some money.  Maggie Beesley

ecuador-exports

Crafts of all sorts and much… much more.

You can enroll in the Ecuador Export Tour here.

Before Maggie’s Export tour you can join Amy Pinoargote and Mike Sager  for the Ecuador southern coastal tour.

We have been our expanding our focus in Ecuador and now are helping readers look in the southern coastal areas.

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

We are also adding an October northern Andes real estate tour as you will see below.

ecuador-beach-map

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

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

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

Ecuador-beach-salinas

The Salinas Malecon area has long been a favorite destination.

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

Ecuador-beach-salinas

Pose for a photo by the giant sandcastle

Salinas at a Glance

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

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

Where to Eat

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

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

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

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

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

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

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

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

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

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

Things to See

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

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

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

Ecuador-beach-salinas

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

Ecuador-beach-salinas

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

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

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

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

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

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

Amy and Gerardo Pinoargote, along with American real estate broker, Mike Sager, will conduct a Ecuador southern coastal real estate tour October 15th through 18th.

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

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

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

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

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

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

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

The southern coastal tour package includes three nights accommodations:

Thursday, October 15 –  The tour fee includes a room at the Castel or similar hotel in Guayaquil.
Friday, October 16 – breakfast, transportation from Guayaquil to Salinas, lunch, Salinas area property viewings, happy hour and night’s stay at Coco’s or similar hotel in Salinas.

Saturday, October 17 – breakfast, Ruta de Sol property viewings (Ballenita to Montanita), lunch, night’s stay at Charo’s or similar hotel in Montanita.

Sunday, October 18 – breakfast, Olon area property viewings, lunch, tour of Salinas , return transportation to Guayaquil, night’s stay at the Castel or similar hotel in Guayaquil.

The tour will be limited in size but you can assure a space and save $100 if you reserve by September 1.

If you enroll today, the fee is $499 for one $998 for two.

Tomorrow the tour fee rises to $599 for one and $1,198 for two.

See how to save even more on multiple tours below.

The tour package does not include your flight.  You should plan to fly into Guayaquil on October 15th and depart from there on the 19th.  If you are attending the export and/or Andean tour we’ll help you join other delegates in Quito.

Save 2% on real estate purchase.

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

In this case,  Amy & Gerardo will provide Ecuador Living subscribers a 2% discount on any  Spondylus II condo purchase. This is possible because we do not accept real estate commissions and ask that the benefit of exposure to our large readership (this message will reach 16,572 readers) be pass onto our Ecuador Living subscribers.

Your tour does not have to end on the southern beach. As mentioned, you can then continue to Quito and Cotacachi for our October 21 to 24 Ecuador export tour.

Still more… Imbabura Real Estate Tour

Finally you can also join our October Imbabura real estate tour October 25-26, where we have also convinced developers and real estate sellers to pass savings along to our tour delegates in the form of  discounts.  For example the Prima Vera condos also offer a 2% discount to buyers from our tours.

Join us for one, two or all three tours.  Reduced tour fees apply for attending two or three tours.

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

Oct. 21-24 Ecuador Import Export Tour

Oct. 25-26 Imbabura Real Estate Tour

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

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

Gary

Ecuador, Organic – Cheese & Wine III


This series, on Ecuador & organic wine and cheese, shows how big problems create big opportunities.

ecuador-wine and cheese

There is wine and cheese opportunity in Ashe County, North Carolina too…

This is the third message in this series on Ecuador and business opportunity in wine and cheese.  See the first message at Ecuador organic cheese and wine. The second article in the series is at Ecuador organic wine and cheese.

The series began with this point:

We are enjoying a quantum shift and the way we work, live, invest and do business will never be as before.

Governments globally are trying to slow this needed economic transition and their stimulation efforts will most likely cause the loss of purchasing power in most currencies… global inflation.

The best ways to gain opportunity in this scenario is to own real estate, commodities, stocks and your own business.

The greatest asset we can have in the economic era ahead is an ability to serve… to produce a product or service that adapts to the new ways.

Do what you love!

Many of us cannot stop working… by circumstance or choice so why not do something we enjoy… live a life we like that pays its way.

Here are excerpts from a USA today article “Mortgage crisis robbing seniors of golden years” by Stephanie Armour  (link to the full article is at the end of this message).

The worst economic crisis since the Great Depression has slashed home values and triggered an unprecedented surge in foreclosures across the nation. It’s also taking an especially harsh toll on an often overlooked demographic: seniors who are retired or nearly so.

This population is being hit on all fronts. More than 600,000 seniors are delinquent or in foreclosure, according to AARP. A separate report by AARP found that 25.5 million seniors ages 50 and older have a mortgage. Unlike younger people, many are on fixed incomes and lack the money or job opportunities to catch up on payments when they fall behind.

Even those who own their homes free and clear are finding they can’t rely on equity as a retirement nest egg because home values have dropped severely, especially in retirement-rich areas such as Florida, Nevada and California.

Some seniors who had planned to sell their homes and move into retirement communities have had to postpone their plans because they can’t afford to take a loss on the sale of their current homes. Some older homeowners had been so confident that rising home values would provide retirement wealth that they neglected to save.

Now they face their final years with a dearth of financial resources to draw on. Thirty-six percent of workers ages 55 and older say the total value of their household’s savings and investments — excluding the value of their primary home and any defined benefit plans — is less than $25,000, according to the Employee

Many others share his plight. Americans 50 and older represent nearly 30% of all delinquencies and foreclosures, according to an AARP analysis released in September.

The analysis found that more than 684,000 seniors 50 and older were delinquent on their mortgages or in foreclosure. Among those, nearly 50,000 were in foreclosure or had lost their homes.

The impact of subprime lending also has fallen disproportionately on those 50 and older.

Older Americans with subprime first mortgages — those given to borrowers with less-than-perfect credit — are nearly 17 times more likely to be in foreclosure than Americans of the same age with prime loans, according to AARP. For those under 50, the comparable multiple is about 13.

This whole group is going to be hugely dependent on Social Security, and people don’t fully appreciate the magnitude of the problem.

Many younger readers I talk with feel that this is not just a boomer problem.  The generations behind the boomers face educating their children, rising insurance and even less likelihood that Social Security will be meaningful.

Yet many readers write and say they would like a lifestyle like Merri’s and mine… cool natural life in the Blue Ridge during the summer… wonderful spring time Andean weather during the winter.

If you love wine… cheese coffee and organic, here is an idea.

Parts one and two of this series looked at ideas for organic wine and cheese in Ecuador. (The Cotacachi area has great organic coffee too.)

So does Ashe country North Carolina… and there is a special opportunity now.

Somehow through fate wherever Merri and I move… no matter how far into the wild, espresso cafes follow.  When we moved to Naples, Florida… there were none.  Then they came and we left to West Jefferson and Ashe County.  There was certainly no espresso shops there… when we arrived.

Not long after Bohemia Cafe and Art Gallery opened in town… great coffee… excellent cappuccino.   Soon after Back Street Cafe opened with an Espresso machine as well.

ecuador-wine and cheese

However I never expected a cafe with all the accouterments of Continental coffee to reach Lansing, North Carolina. After all Lansing only has a population of 192 people.

Yet it did.   Anne’s Place.

ecuador-wine-cheese

At Lansing’s four corners.  It’s…

ecuador-wine and cheese

a really great continental cafe in the middle of the woods!

ecuador-wine and cheese

Merri and I rushed in the minute it opened.. actually we were the first customers.  We were so surprised over the beauty, care and thoughtfulness of the cafe.  It rivaled anything we ever had in all our years in London!

The cafe had been opened by Anne and Haskell McQuire.   Anne and Haskel are Ashe country natives who lived all over the world during Haskel’s career in the telecommunications field.

They retired back at home in Ashe and started an organic winery and this cafe.

Now for health reasons,  Anne’s Place is for sale.

Lansing is about seven miles  from West Jefferson and 20 minutes from our farm. This is a really small mountain town and this coffee shop offers an opportunity to live in a low stress environment, with fresh air, clean water and friendly neighbors.

Anne and Haskell did a really great renovation inside and out. They replaced the roof, plumbing, electrical system, put in a new hardwood floor and restored the old tin ceiling.  They added a bathroom and painted everything top to bottom.

This is a great looking and very smart place…beautifully done.

ecuador-wine and cheese

and we saw that soon after it opened the place was hoppin’, plus…

ecuador-wine and cheese

There is a place to live upstairs.

ecuador-wine and cheese

This is a nice opportunity for someone who wants to live in nature and have a small shop… but there is more.

Lansing is awakening. Other new shops are coming in and the town just received a $130,000 grant to stimulate the local economy, plus…

ecuador-wine and cheese

The wine.

Anne and Haskel started both the coffee shop and a organic vineyard, New River Winery.

New River Winery is the first commercial winery in Ashe County, in Lansing near the headwaters of the New River, one of the oldest rivers in North America.

The winery was founded in 2005 as a cooperative venture of wine lovers with a common tie to Ashe County and the Blue Ridge High Country. Its production facility is in the historic old Lansing School.

They have a tasting outlet at Bohemia Gallery in West Jefferson.

Currently the winery procures grapes from two local sources, one of which is a certified organic farm.

Yet are we forgetting the cheese?  Not a bit.

Imagine this, Merri and I live in two really remote places.   Both have great organic wine, coffee and… yes cheese.

The winery’s second retail outlet, is Ashe Cheese Factory also in West Jefferson.

ecuador-wine-cheese

Ashe County Cheese is North Carolina’s oldest cheese plant, and has been producing quality cheese since 1930.

ecuador-wine-cheese

When I talked to Anne and Haskel about the coffee shop sale, I had one question… “Could Anne’s Place be a distributor for new River Winery as well?”

“Yes, of course” was the reply.

There you have it.. . ideas on business with organic coffee, cheese and wine…in Ecuador and North Carolina… deep in the woods… fresh air… pure water… agriculture and a low stress pace.

Perhaps one of these ideas will create a helpful spark in you for a lifetsyle and business you love in Ecuador, North Carolina or both!

For more information on Anne’s Place for sale contact Haskell McGuire at mcguireh@skybest.com

Gary

Join us for our upcoming courses in North Carolina and Ecuador that show ways to earn income in this new economic era. We’ll visit Anne’s Place if it has not sold by then.

Learn how to earn with exports at our July 4-8  and Oct. 21-24  on our Ecuador Export Tour

Learn how to invest and do business globally at our International Business and investing courses.  Join me with Thomas Fischer and Peter Laub of Jyske Global Asset Management and my webmaster David Cross.

In North Carolina July 24-26 and Oct. 9-11  IBEZ North Carolina

We’ll have a New River wine tasting at Bohemia Gallery as we did last year. here are delegates at that tasting.

ecuador-wine-cheese

Our North Carolina courses in 2009 will be conducted in the new…

ecuador-wine and cheese

West Jefferson Hampton Inn.

ecuador-wine and cheese

Just opening this June 2009 with very nice rooms and…

ecuador-wine and cheese

really great…

ecuador-wine and cheese

views. I took these from the hotel’s parking lot.

ecuador-wine and cheese

Plus the Hampton Inn is just down the road from the Ashe County Cheese Factory, Bohemia Gallery and 20 minutes from the New River Winery and Anne’s Place.

In Ecuador Nov. 6-8 IBEZ Ecuador

See  good value real estate in Ecuador.

ecuador-wine-cheese

Delegates visit the Cotacachi Ecuador Organic cheese factory.

July 8-9 Imbabura Real Estate Tour

July 10-13 Ecuador Coastal Real Estate Tour

Sept. 23-24 Imbabura Real Estate Tour

Sept. 25-28 Ecuador Coastal Real Estate Tour

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

You can read the entire article Mortgage crisis robbing seniors of golden years here.