Tag Archive | "Spain"

Super Spanish – Spain and Panama. Early Enrollment Saves $450


Super Spanish – Spain and Panama.  Early Enrollment saves up to $450.

The fun in our Super Spanish courses is one reason why we are able to help readers learn how to communicate in Spanish in just three days.

You can see the schedule of Super Thinking + Spanish courses below.  Three of these courses in Spain and Panama are offering early bird specials.

August 10-11-12  Madrid, Spain

August 9 – 10 – 11  Panama City, Panama

August 20-21-22 Marbella, Spain

Want to learn Spanish in Spain or Panama?  If so you can enjoy up to $450 savings on the early bird special for the first “Speak Spanish in Three Days Course” to be conducted in Madrid and Marbella, Spain and Panama City, Panama.

See how investors are buying Madrid and Marbella condos with 100% 40 years mortgages for below $300 a month.

spanish course in Spain

Madrid Spain. Value created by crisis.

Or learn about Panama real estate as you learn Spanish.

Panama City Beach

Panama City Beach, Panama

These are the first Super Thinking courses taught in Spain and the Super teachers who will conducting these courses are working to get the word out.  The best way is through satisfied delegates.

This means you can save up to $450 with an early bird enrollment.

I’ll explain how to gain these savings in a moment after we review the many benefits of the Super Thinking course…. benefits that can go far beyond Spanish.

Today the key to success is the ability to keep up with change.

This is why we have been expanding super thinking through frequency modulation courses around the world.  We need to be smarter to adapt to faster changes.  Frequency modulation can help us absorb… retain and recall information better and faster.

We help our delegates prove to themselves that they can access incredible unused mental abilities at Super Thinking + Spanish courses which teaches delegates to communicate in Spanish in just three days.

Spiro Michas taught his most recent Super thinking + Spanish course in Montevideo, Uruguay. Spiro will teach next in Spain.

super spanish course images

He wrote: After Day 1, one delegate (self-described as ” no previous ability to communicate in Spanish at all”) was able to fully express himself with the hotel staff in Spanish; as well as the taxi driver and bakery in Spanish – all in the morning before arriving for class on Day 2!

On Day 3, another delegate reported having had a full conversation the night before with his Uruguayan girlfriend completely in Spanish.  Thoroughly impressed, the ecstatic young lady told him “Whatever you’re doing in this class for the past two days, it’s working.  Don’t stop!”

After Day 3, Spiro received this note from one of the delegates:  I think the class gave me confidence to go out and try to make things happen on my own with bad Spanish. Since class I went to the Direccion Nacional de Migracion to renew my cedula (greencard) on my own, and also went to a doctor who interviewed me and prescribed care for my needs all in Spanish. It wasn’t smooth, pretty, or comfortable – but thanks to a better confidence to try – as a result of the class (and the patience and kindness of the people of Uruguay) both missions were accomplished in Spanish.”

The average written evaluation ratings collected after completion of the Montevideo class:

1.3             On a scale of 1-4 (with 4 being highest) when asked to rate level of Spanish prior to course
3.7            On a scale of 1-4 (with 4 being highest) when asked if they would recommend this course

Evaluation Comments included:

“Can now communicate on a basic level”
“Course has encouraged me to start using Spanish more”

“Good presentation, instructor communicates well, was easy to understand, created a good class atmosphere”

super-thinking+spanish in Mt Dora

Delegates at a 2012 Mt. Dora Florida Super Thinking + Spanish course… a doctor attendee wrote:

Merri,

We want to thank you and Gary plus all the others for making the class such a fun and rewarding experience.  I took Spanish as an undergraduate and lasted two days before dropping the class due to my own anxieties.  Over the years I have tried to learn French, Italian, and Spanish yet again using a variety of methods such as Rosetta Stone, Berlitz, etc. and was never successful.  I finally feel like I can be successful at learning to converse at Spanish–in fact already feel successful!  Thanks so much for teaching an old dog some new tricks.  We’re both looking forward to continuing the learning process, having fun doing so, and taking more classes.

To learn with Super Thinking is fun!  In three days you solve one of the biggest communications problems that faces a great deal of the English speaking civilization.  Unlock the power of your untapped knowledge.

This is not a gimmick nor a trick. At least three best selling books, two from Canada,  Superlearning, the Mozart Effect and Superlearning 2000 have revealed insights about how we can learn and think more powerfully based on systems drawn from the Bulgarian, Dr. Georgi Lozanov.

In 1980 Superlearning sold over two million copies and showed how the Lozanov learning system blended long-tested sciences of yogic techniques with contemporary physiology and psychology so people could learn faster and better.

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

Merri was among those few who learned and is licensed to teach the Lozanov system.

She has over the last 3 decades organized a practical course on how to learn faster and better.

With her modified system, you will learn how to think and learn more powerfully in just three days. To prove how good you will be with this process, you learn Spanish as a side benefit.

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

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

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

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

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

Doughty spoke as part of a panel on Feb. 19 during the American Association for the Advancement of Science (AAAS) conference in Washington, D.C.

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

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

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

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

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

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

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

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

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

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

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

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

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

By the end of the three day course you will feel quite comfortable speaking Spanish without stress!

Yet your Spanish will just be one result from learning how to think better!  You will be able to use your new learning powers in amazing ways. For example this attendee at our last course wrote:

“Hi Gary & Merri, You two are the BEST!!! Your Seminar was fantastic! I am so excited. I had procrastinated fulfilling my continuing education for my Broker’s License and then just before my surgeries, I realized by expiration date isn’t Nov. 12th – it is Sept 12th. Well, as you can see prior to taking your course I had only completed 3 units of the required 45 units. I thought I would take your course and then complete my remaining 42 units over the next 2 weeks. However, I took one class exam on Saturday night, August 27th. I didn’t even take the cellophane off the required Course manuals until after I saw the two of you today less than 5 hours ago! I used your techniques and completed 39 units of continuing education today. I have now completed all 45 units. All of my test scores were in the 90.6-96% range. My course exam information is listed below. I just wanted to let you know how valuable your course was to me. Thanks again!” Suzy Kurinsky

Now let me explain why you can attend Spiro’s  Super Thinking + Spanish course in Spain or Panama and save up to $450.

To kick start their courses, Spiro and Robert Girga (who will teach the Panama course) are offering their first course at half price to those who will sign up early.  This helps them get the correct size hotel and prepare for the delegates in advance.

Robert Girga will teach Super Thinking + Spanish in Panama City, Panama August 15 – 16 – 17, 2012.

 girka-sterling

Rob Girga (right) replaced Merri and me and taught Super Thinking plus Spanish in Cotacachi, Ecuador this year in the same hotel as a Miss Ecuador pageant.  Here is Robert with the contestants.

The original fee for this course was $799 for one $999 for a couple. Thousands have paid this fee. When we condensed the time to three days we also reduced the fee to $699 for one and $899 for a couple.   Spiro and Robert are knocking $350 off the fee for a single and $450 off the fee for a double.

Enroll with the early Bird Special before July 10, 2012  in Madrid, Marbella or Panama and save $350 to $450. 

August 10-11-12  Madrid, Spain

August 9 – 10 – 11  Panama City, Panama  .

August 20-21-22 Marbella, Spain

Madrid & Marbella Early Bird Special  $349

Madrid & Marbella Early Bird Couple  $449

Panama Early Bird Special $349

Panama Early Bird Special Couple $449

Travel, accommodations and food are not included.

For information more contact Cheri Hall at cheri@garyascott.com

Gary

Here are what delegates wrote about  a recent Super Thinking + Spanish seminar. Hi Gary & Merri –  First, Merri, thanks for the great home made dinner. It was some of the best I have ever tasted. Also, thanks for the Spanish course. Merri’s technique is truly a breakthrough in learning. I believe I learned more Spanish in four days than I learned in four weeks in a previously attended Costa Rica language school.  The Costa Rica school taught a very limited number of memorized words and phrases. Ted.

Another delegate at a Super thinking plus Spanish seminar wrote: Merri’s approach exposed us to a broad variety of works and the technique needed to expand the language.  Again, Thanks for the experience.

One attendee wrote: Thank you very much Gary! And I just wanted to say thank you and Merri so much for everything during the seminar. You guys are indeed a shining example of having a business that truly serves others. And thanks for the extra time spent and good things taught to me personally. I have begun to implement them already and will continue to apply them. And you might be interested that waiting for my flight home I ended up sitting next to a woman from Quito and could understand some of what she said in a cell phone conversation. We talked a little and she said that I should visit Ecuador!  Thank you again for your real graciousness and acceptance! I will also write to Merri and thank her as well. And I wish that I could do something for you two!

Another wrote: Thank you!  We always look forward to spending time and learning about so many fascinating things. Like Minded people and Vivaldi! What could be better?  You and Merri are very special to us!

Another sent this note: Hello Merri, Thank you for the wonderful workshop on Super Learning + Spanish!  I really enjoyed the workshop and getting to know you and Gary.  I am definitely going to take more of the courses that you and Gary are teaching.  I can see several ways to apply what I learned in the classes I teach.

Since I returned home, I have purchased some of the CDs of Baroque music and thought about which specific pieces will work best in different parts of my classes.  I am also reading Perfect Health by Deepak Chopra.  I found your discussion of this book to be very helpful in showing how to balance one’s life.  I have adjusted my daily schedule, and I can already notice a difference in my productivity.

Thank you for sending the file of the 4005 Spanish words.  This will be very helpful in my daily review of Spanish.

Another emailed this: Every day I’m becoming more proficient in Spanish.  As I get ready to do something, I think about how I would say it in Spanish.  Thank you again for a Super Workshop!  With love and blessings.

Another: Gary and Merri, It certainly was an interesting and intriguing four days for me.  I enjoyed the Spanish but even more so, all the tentacles that extended during those four days that went into so many different directions.

I grew up in a very SQUARE box with loving and intelligent parents but my world remained within this box, unable to see beyond those walls, as I was never encouraged to “think outside the box”.  Mike has been opening doors and leading me outside this box but because of my upbringing I have not completely embraced or understood what was beyond those doors he opened for me.  As I have gotten older I have become more open to the world outside those doors yet those old tapes continue to play and I have not been able to completely release myself and experience all that can be.

Another shared this: Listening to the two of you during our time together has suddenly got me to thinking, and although some of the ideas still seem foreign to me, I am at a point in my life now where I can say, “anything is possible” and I am now willing to embrace and allow myself to experience the world of possibility and let it take me in directions I may have in the past resisted.  I really don’t know where all this is going to lead me but I am now willing to explore, develop and grow.

I found all the information you offered on healing, realigning the body, nutrition, etc. so fascinating, have you ever thought about doing a course on just that?  With the aging population and the health care issues I think it would be not only an interesting course but one that would be very beneficial to so many.  I, personally, would love to learn more about what you talked about and plan on purchasing the book, “Body Renewal, the Lost Art of Self Healing” for my Kindle.

Thank you again for a wonderful four days!!

Another: Hola Merri Y Gary, I was thinking about you this Remembrance Day, and I went to check emails and there you are!  We had fun at Disney World on Monday and sat beside several Personnes Espaniol.  We could understand them however I couldn’t make sentences quickly, but could say one or two word phrases that were easily understood.  We arrived home at 3am yesterday – the airlines were very late in Denver due to a crew incident.

I found myself making up sentences all day yesterday as I was running errands.  John knows more vocabulary than I at this point as he has studied Spanish previously.  Today I will begin to review the lessons and construct sentences to send to you and the group – as you suggested below.  Es en BUENO sugestion!!!  I also received the email Merri sent with the 4005 words and started to scroll through those yesterday.

Another: Thank YOU Merri, Gary, Don and Rick for everything you have done to create and bring this wonderful experience to all of us.  It takes a well sychronized team of people to put on an effective, change producing seminar!  I have given many seminars and enjoyed the  experience immensely.  The outcome is even better!  Estoy une infantil de Super Thinking and Spanish, y es possible aprender en tiempo.

John and I both thank all of you for the wonderful experience – we are working now to clear up things so we can leave for the Galapagos and Ecuador November 25th – December 20th.  Nosotros tiene muchos appreciacion!  Gracias y Abrazos,

Another:
Hello Gary,  Muchas gracias para la informacion!  I had a wonderful time at the Super Learning + Spanish weekend!… excelente!

I was impressed with your depth of knowledge on numerous subjects and your ability to speak about them with exceptional recall.  Con mucho apriciar,  P.S. Yo estoy enteresado en Espanol #2.

One delegate even explained how after our course they ended up as the accidental translator: Gary,  I have sent Merri a couple of messages, and  a story of Mike being able to translate yesterday for a Spanish person  who couldn’t understand what a man was trying to tell him!

We loved the seminar, and are excited to put the super learning to practice, and especially the great company of like-minded people (especially G & M!)  Muchas Gracias!  Tiene an excellante dias.

Another writes part of his thanks in Spanish. Gary Thanks so much for sending the course and the extra one ( that was an unexpected and delightful surprise!)  It was great seeing you and Merri again and we are looking forward to returning to Mt. Dora next year.  usted y Meri tengo un fantastico celabracion de la dar gracia y navidad.

Finally another…. communicated entirely in Spanish…. after just our Super Thinking + Spanish seminar: Buenas dias nuestra maestra perfectamente, Merri!   Muchas gracias por la lista espanol.

Claro, David y yo aprendemous mucho espanol el fine de semana pasada. Gary y usted nos hacen espanol muy facil aprender. Es importante continuar a practicar espanol cada dia. Gracias tambien!  Buenas suerte…hasta la vista! Con mucho amor,

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

Whether your goal is to reduce your cost of living… increase your income… enhance the return on your investments or all, being able to speak Spanish… enhances your opportunity and does the world good.

Why Spain?

Of course there are few places better to learn Spanish than Spain  but there are huge investing benefits there now as well.  Real estate prices have collapsed and offer incredible value.

Take for example a Yahoo.com news report entitled “Insight: Bank stampede keeps Spanish real estate on the ropes”.

This article says (bolds are mine):  Madrid – When Jose Morales travelled up from Granada in southern Spain in February to look at a new apartment in the Madrid satellite town of Sesena, he was greeted by long queues of mostly young people outside the sales office.

“When the door opened, there was a stampede to get in, like a department store sale, and some were even injured in the dash,” said Morales.

The apartments were selling so fast, unseen by the buyers in many cases, that he missed out on the one he wanted.

Such extraordinary scenes are, paradoxically, evidence of the desperate weakness of Spain’s property market after the crash of 2008.

Banks trying to offload billions of euros of property left on their hands by bankrupt developers are selling new apartments at rock-bottom prices with bargain-basement mortgage deals.

Santander, the euro zone’s largest bank, was responsible for the frenzy in Sesena. It offered two-bedroom apartments around a communal swimming pool for 65,000 euros ($86,100), with 100 percent mortgages over 40 years, costing as little as 242 euros a month to service, about a sixth of the average Spaniard’s monthly income.

A condo in the capital city of a European nation for less than $300 a month is incredible value so come to Spain learn to speak Spanish and see Spanish real estate at the same time.

One of our delegates had been searching for a condo in Marbella for years and he just bought one.  He explained that the recent Euro crisis has created enormous Spanish real estate value.

To help delegates who attended his course, Spiro has set up real estate contacts for delegates so they can efficiently look at real estate while attending the course.

spanish course in Spain

Marbella Spain.

August 10-11-12  Madrid, Spain

August 9 – 10 – 11  Panama City, Panama  .

August 20-21-22 Marbella, Spain

To kick start this process Spiro is  is offering this first course at half price for those who enroll before July 10, 2012.  The normal fee for this course is $699 for one $899 for a couple. Thousands have paid this fee.  Spiro is knocking $350 off the fee for a single and $450 off the fee for a double.

Enroll in Spiro’s early Bird Special before July 10, 2012  in Madrid or Marbella and save $350 to $450.  

Madrid & Marbella Early Bird Special  $349

Madrid & Marbella Early Bird Couple  $449

Panama Early Bird Special $349

Panama Early Bird Special Couple $449

Travel, accommodations and food are not included.

For information more contact Cheri Hall at cheri@garyascott.com

Here are more raves from delegates of this course:

Gary & Merri, Mike and I have so enjoyed attending your seminars.  I look at is as a place to gain  “tools for life” as well as  receiving a plethera of information on the topics at hand.

(So far we attended  Spanish and investing.) I get equally as much value out of the tools, and mindset in viewing the information that can be applied to life in general as well as the topic at hand. So thanks for enjoying what you do… it definitely shows up in real world application.

At each seminar we meet many interesting and unique folk – I think the audience you draw  can think out of the box at least a little bit! So again thanks for gathering such a wonderful array of resources for us.

Another emailed:  Dear Gary and Merri,  We so enjoyed the language class last weekend at Mt Dora!

Carolyn came back with your simple, common sense approach and the new tools to start speaking.

Most remarkable is that she feels comfortable putting together sentences and ‘communicating.’ Somehow many of us seem to get caught in the trap of thinking we have to say it ‘right,’ and so we don’t even try. It is interesting that we do not see ourselves ‘creating’ communication in our native tongue; each saying it a little different than the other, and yet still all getting the ‘communication’ across the bridge in our own manner.

We delighted to know you both better, and greatly admire your passion for life and generosity sharing what you have learned.

We are planning to attend the next business seminar you offer. Carolyn is talking about returning for the Fall Spanish Super Thinking class with a girlfriend.

We are excited by the many new challenges we have found through your offerings.

Another a dentist said: I was so delighted with my experience at the Spanish training.  I felt more confident of ability to pronounce Spanish than I ever was of French or German.  Funny… I did not think I remembered any French or German but when I cannot remember the Spanish words the German and French popped up.  Practicing my pronunciation made my trip home go faster. I never enjoyed pronouncing either of the other two, but this was fun. It is hard to fall asleep at the wheel when you are moving your mouth to speak Spanish. It does work your mouth in a different way.  I realized that you have to say each syllable slowly and correctly (until you get it perfectly) and when you do it is impressive.

It was amazing to see us all writing such advanced sentences after a few days and so much more enjoyable than having to go through the alphabet to build the words to build the sentences.

Another Wrote: Dear Gary,  I intended to give it a few days before I wrote to you about my experience in the Spanish + SuperThinking  Course. However, I had such dramatic results today, in the physical rather than the cognitive realm, that I had to share this immediately.

I started my day with Baroque music. Before I began my Spanish lesson, I went through the Mayan Waves Brain Refresher (Brain Sync). I also played an alpha wave composition while I completed a lesson in the morning. I repeated the process this afternoon. Before my high intensity interval training (HIIT) workout in the evening, I put on a gamma brain wave video from you tube faster reading gamma waves help with exercise. I preformed the “Halo Of Sweat” workout from an online fitness site. Around the world, people complete the workout and posts their scores, striving to meet or beat the personal trainer. Frankly, my reps have rarely come close to the reps of the woman featured in the video nor have I ever beat her. Until today.

Not only did I come close to her performance, I surpassed her quite significantly with several exercises. I performed my best in the last exercise, Abs Burn Out. Her scores were 38, 34 and 33 and mine were 60, 40 and 47!

I believe several factors allowed me to achieve this acceleration in athletic ability today:

1. My left and right hemispheres are now harmonizing.
2. The meditation and relaxed concentration techniques I learned are coming more easily to me and effective.
3. My focus and concentration are greatly enhanced.

I am a Pilates professional so to have my exercise regimen improve so swiftly is remarkable. Not only am I now able speak Spanish but I am experiencing optimal health as well. I am deeply grateful to you and Merri for your SuperLearning instruction.  Be well,

August 10-11-12  Madrid, Spain

August 9 – 10 – 11  Panama City, Panama  .

August 20-21-22 Marbella, Spain

Enroll before July 10, 2012  in Madrid, Marbella or Panama and save $350 to $450.  

Madrid & Marbella Early Bird Special  $349

Madrid & Marbella Early Bird Couple  $449

Panama Early Bird Special $349

Panama Early Bird Special Couple $449

This special offer ends July 11, 2012.

For information more contact Cheri Hall at cheri@garyascott.com

Super Thinking + Spanish teachers are independent businesses who have been trained to teach Super Thinking + Spanish by Gary & Merri Scott.  By using this site, the teacher warrants that he or she will teach the Super Thinking + Spanish as taught by Gary & Merri Scott. No other endorsement, warranties or guarantees are made.

You can get more details on any of these Spanish courses below by clicking on the links.

June 15-16-17 Sarasota, Florida  Super Think + Spanish (Teacher Mark Frakes)

June 29-30-July 1  Washington DC  Area  Super Thinking + Spanish (Teacher Karen Zhussanbay)

July 6-7-8 Sarasota, Florida   Super Thinking + Spanish (Teacher Mark Frakes)

July 27-28-29 Vernon B.C. Canada  Super Thinking + Spanish (Teachers Shawn & Suzanne Bandick)

August 10-11-12  Madrid, Spain  Super Thinking + Spanish (Teacher Spiro Michas)

August 9 – 10 – 11  Panama City, Panama  (Teacher Robert Girga). See details here.

August 20-21-22 Marbella, Spain   Super Thinking  + Spanish (Teacher Spiro Michas)

October 24 – 25 – 26 Panama City, Panama  (Teacher Robert Girga).

Nov. 2-3-4   Mt. Dora Florida   Super Thinking + Spanish  (Gary & Merri Scott)

Dec. 3 -4-5  Panama City, Panama  (Teacher Robert Girga).

2010 Ecuador Seminars and Tours Schedule


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

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

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

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

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

Jan.   8-11     Ecuador Export Tour
Jan. 13-14     Imbabura Real Estate Tour
Jan. 16-17     Coastal Real Estate Tour
Jan. 19-20    Quito-Mindo Real Estate Tour
Jan. 22-23    Cuenca Real Estate Tour

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

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

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

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

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

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

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

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

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

Low Costs

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

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

Split Sessions Available North and South

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

Enjoy Optional Group Travel

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

Three New Real Estate Tour Destinations

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

Quantum Wealth

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

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

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

This is not a gimmick or a trick… just advanced education. At least three best selling books, Superlearning, the Mozart Effect and Superlearning 2000 have revealed insights about how to learn and think more powerfully based on systems drawn from the Bulgarian educational master, Dr. Georgi Lozanov.

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

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

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

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

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

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

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

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

Five Options

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

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

Gary

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

Head south to Ecuador!

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

Oct. 25-26 Imbabura Real Estate Tour

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

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

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

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

December 9-10 Imbabura Real Estate Tour

December 11-13 Ecuador Coastal Real Estate Tour

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

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

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

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

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

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

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

1 real estate tour only $499 Couple $749

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

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

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

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

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

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

This course can help you create your own internet business.

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

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

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

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

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

Even Better Get All three Courses Free

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


Ambato Condos & Apartments For Sale


Here is a paid advertisement for Ambato Ecuador condos & property for sale.

ambato-ecuador-real-estate-for-sale

Ambato Ecuador condos and commercial shops… Ecuador income producing property for sale.

Ambato is one of Ecuador’s important cities but has been largely ignored by expats.  This gives readers a chance to have income producing real estate at a lower price than you’ll typically find in Quito, Cuenca or Cotacachi.

ambato-ecuador-real-estate-for-sale

These are Ambato condos and income producing properties with this view.

San Juan de Ambato is a city of about 150,000 (half the size of Cuenca) located two hours + (depending on how fast you drive) south of Quito in the central Andean corridor.

The city is cut by the Ambato River and surrounded by tall mountains. This is the capital of the province of Tungurahua and is at an elevation of 7,500 feet (about the same as Cotacachi).  It is called the “City of Flowers and Fruit” and “Garden of Ecuador.”

Ambato’s economy includes fruit, tanneries, food products and textiles plus is a main transportation hub, since the Pan-American Highway passes through there.

The city of Ambato was founded in the late 1600s and declared independence from Spain in the early 1800s.  Ambato was the seat of the first printing press in Ecuador; this was originally installed in 1670 by Jesuit missionaries to print copies of the Bible.

Construction here is very solid due to a massive earthquake many years ago. It is described as one of the most earthquake-resistant places on earth.

Ambato is a modern city because all old buildings were destroyed by the earthquake.

Ambato enjoys a mostly warm and sunny climate. The average temperature during most of the year stays between 60 to 70 degrees F.

ambato-ecuador-real-estate-for-sale

The views from these condos cover most of Ambato.

ambato-ecuador-real-estate-for-sale

Long time reader Eddie Santamaria is an Ecuadorian living in New York. He began investing in Ecuador real estate years ago and wrote:

ambato-ecuador-real-estate-for-sale

I have four buildings for sale in Ambato for investors who would like to have rental income in Ecuador.

All the buildings are on or about 10 minutes from the main Centro De La Ciudad.  They are all near public transportation.  Herfrei 1 is on the corner of a busy “cinco esquinas” five corners of Pinllo.  The main intersection of the comings and going to and from the city.

ambato-ecuador-real-estate

HERFREI I.

This is a corner building in the neighborhood known as Pinllo.

This building’s land is approximately 1,457 square feet.

This building consists of four floors.  On the first floor there are three store fronts:  One is appx. 235 square feet, one appx. 255 and one appx. 319 square feet.

The second and third floors are two bedroom apartments.   Apartment # 1 and # 3 are 689 square feet. Apartment # 2 and # 4 measure 825 square feet. The penthouse measures 1,431 square feet.

ambato-ecuador-real-estate-for-sale

Hefrei I Penthouse living room…

ambato-ecuador-real-estate-for-sale

and…

ambato-ecuador-real-estate-for-sale

dining room…

ambato-ecuador-real-estate-for-sale

bedroom…

ambato-ecuador-real-estate-for-sale

kitchen…

ambato-ecuador-real-estate-for-sale

bathroom.

This building does not have garages or spaces for garages.

The asking price for HERFREI I is $399,000.

HERFREI II is larger.
ambato-ecuador-condos

This is the building shown on This building is also in Pinllo with a higher view.

This building’s land is appx. 4,465.40 square feet and the building has three floors, with nine apartment. Two are three bedroom and seven two bedroom.

HERFREI II has 9 garages. This building also has a communal garden for all tenants.  The asking price is $499,000.

The legal description of Santamaria 1 and 2 are not divided so they are for sale together.

ambato-ecuador-condos-for-sale

These buildings are also in Pinllo and located near the two Herfrei buildings.

The land is appx.  5,604 square feet  with  Santamaria 1 having 6 apartments on four floors.   The first floor consists of the lobby and garages. Floors two through four each have one, three bedroom, and one, two bedroom unit of appx. 1,150 square feet.

Santamaria II has four smaller apartments.

These buildings have 12 garages, a children’s playground, automatic glass doors at the main entrance and automatic steel doors at the entrance for cars with remote control.

These two buildings could be divided by the new owner. The asking price for both Santamaria buildings is $699,000.

Here are some income figures for each of the apartments.

Herfrei I rents for $115.00 per apaartment.

Herfrei II rents for $140.00 per apartment.

Santamaria 1 and 2 are brand new and not rented but should bring  $200-250 per apartment.  Some units in these buildings are occupied.  Furnishing is not included.

ambato-ecuador-real-estate-for-sale

These are…

ambato-ecuador-real-estate-for-sale

all of…

ambato-ecuador-real-estate-for-sale

top…

ambato-ecuador-real-estate-for-sale

quality construction.

ambato-ecuador-real-estate-for-sale

Eddie is also willing to exchange these properties for other Real Estate in the South America, the USA or Europe.

For more information on this Ambato real estate for sale contact Eddie Santamaria in New York at:
epsantamaria@msn.com

Phone No. 718-472-2900
Fax No. 718-472-2909

ambato-ecuador-real-estate-for-sale

Here…

ambato-ecuador-real-estate-for-sale

are…

ambato-ecuador-real-estate-for-sale

more…

ambato-ecuador-real-estate-for-sale

shots…

ambato-ecuador-real-estate-for-sale

of these…

ambato-ecuador-real-estate-for-sale

Ecuador condos for sale…

ambato-ecuador-real-estate-for-sale

in Ambato.

For more information on this Ambato real estate for sale contact Eddie Santamaria in New York at:

epsantamaria@msn.com
Phone No. 718-472-2900
Fax No. 718-472-2909

This is a paid advertisement so please contact Eddie… not me, with questions.

Gary

Eddie can arrange visits of these properties before or after our October, November and December real estate tours.

Because the ability to earn wherever you live is vital, we developed our course Tangled Web… How to Have an Internet Business.

I am willing to give you this $299 course free when you attend either our our North Carolina International Business & Investing seminar in October or November in Ecuador.  Sign up for either seminar and I will email you our Tangled Web… How to Have an Internet Business Course (offered at $299) free.

Learn more about global investing, how to have an international business and diversification in Ecuador at the seminar.

Join us in Ecuador.

Oct. 25-26 Imbabura Real Estate Tour

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

December 6-8 Beyond Logic Shamanic Tour

December 9-10 Imbabura Real Estate Tour

December 11-13 Ecuador Coastal Real Estate Tour

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

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

Ambato Ecuador Real Estate for Sale


Here is advertisement for Ambato Ecuador Real Estate for Sale.

ambato-ecuador-real-estate-for-sale

Ambato Ecuador condos and commercial shops… Ecuador income producing property for sale.

Ambato is one of Ecuador’s important cities but has been largely ignored by expats.  This gives readers a chance to have income producing real estate at a lower price than you’ll typically find in Quito, Cuenca or Cotacachi.

ambato-ecuador-real-estate-for-sale

These are Ambato condos and income producing properties with this view.

San Juan de Ambato is a city of about 150,000 (half the size of Cuenca) located one and a half to two hours (depending on how fast you drive) south of Quito in the central Andean corridor.

The city is cut by the Ambato River and surrounded by tall mountains. This is the capital of the province of Tungurahua and is at an elevation of 7,500 feet (about the same as Cotacachi).  It is called the “City of Flowers and Fruit” and “Garden of Ecuador.”

Ambato’s economy includes fruit, tanneries, food products and textiles plus is a main transportation hub, since the Pan-American Highway passes through there.

The city of Ambato was founded in the late 1600s and declared independence from Spain in the early 1800s.  Ambato was the seat of the first printing press in Ecuador; this was originally installed in 1670 by Jesuit missionaries to print copies of the Bible.

Construction here is very solid due to a massive earthquake many years ago. It is described as one of the most earthquake-resistant places on earth.

Ambato is a modern city because all old buildings were destroyed by the earthquake.

Ambato enjoys a mostly warm and sunny climate. The average temperature during most of the year stays between 60 to 70 degrees F.

ambato-ecuador-real-estate-for-sale

The views from these condos cover most of Ambato.

ambato-ecuador-real-estate-for-sale

Long time reader Eddie Santamaria is an Ecuadorian living in New York. He began investing in Ecuador real estate years ago and wrote:

ambato-ecuador-real-estate-for-sale

I have four buildings for sale in Ambato for investors who would like to have rental income in Ecuador.

All the buildings are on or about 10 minutes from the main Centro De La Ciudad.  They are all near public transportation.  Herfrei 1 is on the corner of a busy “cinco esquinas” five corners of Pinllo.  The main intersection of the comings and going to and from the city.

ambato-ecuador-real-estate

HERFREI I.

This is a corner building in the neighborhood known as Pinllo.

This building’s land is approximately 1,457 square feet.

This building consists of four floors.  On the first floor there are three store fronts:  One is appx. 235 square feet, one appx. 255 and one appx. 319 square feet.

The second and third floors are two bedroom apartments.   Apartment # 1 and # 3 are 689 square feet. Apartment # 2 and # 4 measure 825 square feet. The penthouse measures 1,431 square feet.

ambato-ecuador-real-estate-for-sale

Hefrei I Penthouse living room…

ambato-ecuador-real-estate-for-sale

and…

ambato-ecuador-real-estate-for-sale

dining room…

ambato-ecuador-real-estate-for-sale

bedroom…

ambato-ecuador-real-estate-for-sale

kitchen…

ambato-ecuador-real-estate-for-sale

bathroom.

This building does not have garages or spaces for garages.

The asking price for HERFREI I is $399,000.

HERFREI II is larger.
ambato-ecuador-condos This is the building shown on This building is also in Pinllo with a higher view.

This building’s land is appx. 4,465.40 square feet and the building has three floors, with nine apartment. Two are three bedroom and seven two bedroom.

HERFREI II has 9 garages. This building also has a communal garden for all tenants.  The asking price is $499,000.

The legal description of Santamaria 1 and 2 are not divided so they are for sale together.

ambato-ecuador-condos-for-sale

These buildings are also in Pinllo and located near the two Herfrei buildings.

The land is appx.  5,604 square feet  with  Santamaria 1 having 6 apartments on four floors.   The first floor consists of the lobby and garages. Floors two through four each have one, three bedroom, and one, two bedroom unit of appx. 1,150 square feet.

Santamaria II has four smaller apartments.

These buildings have 12 garages, a children’s playground, automatic glass doors at the main entrance and automatic steel doors at the entrance for cars with remote control.

These two buildings could be divided by the new owner. The asking price for both Santamaria buildings is $699,000.

Here are some income figures:

Herfrei I rents for $115.00 per apartment.

Herfrei II rents for $140.00 per apartment.

Santamaria 1 and 2 are brand new and not rented but should bring  $200-250 per apartment.  Some units in these buildings are occupied.  Furnishing is not included.

ambato-ecuador-real-estate-for-sale

These are…

ambato-ecuador-real-estate-for-sale

all of…

ambato-ecuador-real-estate-for-sale

top…

ambato-ecuador-real-estate-for-sale

quality construction.

ambato-ecuador-real-estate-for-sale

Eddie is also willing to exchange these properties for other Real Estate in the South America, the USA or Europe.

For more information on this Ambato real estate for sale contact Eddie Santamaria in New York at:
epsantamaria@msn.com

Phone No. 718-472-2900
Fax No. 718-472-2909

ambato-ecuador-real-estate-for-sale

Here…

ambato-ecuador-real-estate-for-sale

are…

ambato-ecuador-real-estate-for-sale

more…

ambato-ecuador-real-estate-for-sale

shots…

ambato-ecuador-real-estate-for-sale

of these…

ambato-ecuador-real-estate-for-sale

Ecuador condos for sale…

ambato-ecuador-real-estate-for-sale

in Ambato.

For more information on this Ambato real estate for sale contact Eddie Santamaria in New York at:

epsantamaria@msn.com
Phone No. 718-472-2900
Fax No. 718-472-2909

This is a paid advertisement so please contact Eddie… not me, with questions.

Gary

Eddie can arrange visits of these properties before or after our October, November and Decemer real estate tours.

Because the ability to earn wherever you live is vital, we developed our course Tangled Web… How to Have an Internet Business.

I am willing to give you this $299 course free when you attend either our our North Carolina International Business & Investing seminar in October or November in Ecuador.  Sign up for either seminar and I will email you our Tangled Web… How to Have an Internet Business Course (offered at $299) free.

Join Merri, Thomas Fischer of JGAM, our webmaster David Cross and me in North Carolina this October and enroll in our emailed course on how to have a web business free.  Save $300.

Learn more about global investing, how to have an international business and diversification in Ecuador at the seminar.

Join us in Ecuador.

Oct. 25-26 Imbabura Real Estate Tour

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

December 6-8 Beyond Logic Shamanic Tour

December 9-10 Imbabura Real Estate Tour

December 11-13 Ecuador Coastal Real Estate Tour

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

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

Retire in Ecuador – Beat Inflation


A good reason to retire in Ecuador or away from your home is to beat inflation.

Yesterday’s message looked at reason why inflation is not a problem now… but it will be… probably in a serious way.

See below three ways to beat inflation.

First… live or retire in Ecuador or any country where the cost of living is low.

These nice houses in Cotacachi were offered at $49,000.  That beats inflation when you retire in Ecuador.

retire in ecuador

Costs are low. This fixer upper in Cotacachi has an asking price of $30,000 with…

retire in ecuador

a huge yard filled with mature fruit trees and…

retire in ecuador

this view.

Second, invest in land or commodities.

A long time friend Steve Rosberg whom I first met when he was my banker in Ecuador recently sent me this note as he operates a timber plantation and real estate development in Argentina.

Gary, During our visit to New York two weeks ago, a friend and former colleague from my banker days pointed out that Latin America had been the perfect training ground to succeed in the current investment environment. I agree 100%.

In case there was any doubt, California’s  issuance of IOU’s to settle short term debt was the final confirmation, and was rapidly followed up by other corollary events, such as banks stating that these could not be accepted as deposits. This would be obvious to anybody thinking about it, but apparently, most people weren’t.

Those IOUs are a different ‘currency.’ They are a currency which you will see more of in the future, as the issuer (the CA government) is still running deficit budgets, and no new voluntary lenders are rushing in to fund them.

Decidedly a  scenario familiar to those of us who have been through a number of LatAm crises. If an Argentine president tried to pass those IOU’s off, nobody would be foolish enough to take them in the first place, and the international press would ridicule the plan as another example of LatAm fiscal impropriety.

Meanwhile, the debate seems to rage between “Are we going deeper into recession? Are we going into high inflation? Are we going into stagflation?”

The answer is yes, absolutely!

How do we position our portfolios to make the best of this without taking on more downside risk?

This is the crux of why we have developed our business as we have:

– to have growth even if there is recession (the trees keep growing, the vineyard too),
– to have value even if there is high inflation (timberland, vineyard, hotel, all real, appreciating assets that will both protect the real value of your initial investment from inflation’s erosion and generate cash flows that will also increase in this scenario),
– to have current revenue originating in the sustainable production of real assets,
– to do so in environmentally responsible ways, and
– to enjoy what we are investing in.

In short, what you want now for the long run.

We continue to believe that debt free assets producing real commodities and generating solid returns are the antidote to portfolios stricken by the poor performance of supposedly safe, “mainstream” assets, and will continue to be so going forward.

Yes, we’re from Argentina, that means we’ve been preparing for these markets for decades. Our customers didn’t lose money last year-they made it.

Visit our website and write back for more information, it’s always our pleasure to be in touch with you.

With best wishes, Steve Rosberg  www.ushay.com

Third, invest in commodity based equities.

The excerpt below is from our Multi Currency course and shows why global inflation is a problem.

A recent article in the Economist showed that the US deficit could be three trillion dollars in 2010.   Half of this would come from borrowed funds.  Normally this would cause the US dllar to fall versus other currencies.

A free fall in purchasing power of all currencies is also more likely than in previous recessions (1970s and 1980s), because then, the US overspent but other major governments, especially Germany and Japan, were still conservative and fiscally prudent.

This is no longer true. West Germany unhinged fiscal common sense when it absorbed Eastern Germany.

Excerpts from a May 14, 2009 article in the Financial Times entitled “Germany set to suffer record deficit” by Bertrand Benoit says:

The German government will record its biggest post-war budget deficit this year as the economic crisis sends tax revenues plummeting, Peer Steinbrück, finance minister, said on Thursday.

Mr Steinbrück admitted the federal deficit would exceed €50bn in 2009 and rise to €90bn next year, more than twice the previous record of €40bn set in 1996 as Germany was absorbing the huge cost of its unification. In contrast, the federal deficit last year was only €11.9bn..

Germany and Japan have both been hit especially hard by this recession because their economies have been so dependent on exports and global trade.

Germany has a huge amount of short-time working and its exports have fallen dramatically.  Like almost everywhere, government income is dropping as spending is on the rise.

If the German economy were to continue to shrink at its current pace, it will be a 20% smaller by the end of 2009.

This means Germany remains in default (as does France, Italy and Spain) of the three per cent limit in the EU stability pact.

All eurozone countries, but especially those with larger deficits, such as Italy and Spain, face a similar problem…  rising costs… aging populations… growing pension and health costs while faced with reduced income.

Asia Troubled As Well

This year, Japan suffered its first annual trade deficit in nearly three decades and business has slowed dramatically there. Global demand for Japanese products plummeted in 2008 and exports were down 16% in the year to March 2009 compared to 2008.

Hong Kong’s economy gives a glimpse into China’s economic soul and here business also contracted at the fastest rate since the Asian financial crisis.

The first three months of 2009 had the biggest drop in more than half a century.

The Hong Kong government predicted that GDP would contract by up to 6.5 per cent in 2009.  Total exports dropped 22.7 per cent in the first three months of 2009 compared with the previous year – the biggest drop since 1954. Overall investment fell by 12.6 per cent and private consumption by 5.5 per cent. The unemployment rate also rose to a 38-month high of 5.2 per cent in the first quarter.

Huge Economic Problems

Huge economic problems create huge investment opportunity and one of the greatest problems facing the world is that education has not evolved as fast as democracy.  Too many poorly educated voters expect their government to do more than they can… or should.  The voter’s desires and expectations are ill informed and generally incorrect… yet their vote is as powerful as an educated one.

This forces politicians to act (spend) more than they have.  This tends to create inflation.   This rather predictable fact has become increasingly global so choosing a strong currency becomes increasingly hard.  Most currencies are at risk to inflation.

This is why stocks, commodities, real estate and your own business makes so much sense now.   There is a caveat.  Always invest in good value in these things.

This is why my attention was really captured when I read about the ALTIS Global Resources Fund.

This is a fund that invests in commodity backed equities and is advised by value guru Michael Keppler.

If you are a new reader learn about Keppler Asset management here.

This creates a powerful combination for opportunity.  The figures below support this.

Michael Keppler recent sent me this note:

Gary, Attached please find the latest Fact Sheet and Performance Review (as of April 30, 2009) for the ALTIS Fund Global Resources, a global sector fund we advise, which was featured in an e-fund journal report of May 4, 2009 as one of the “top 10 natural resource equity funds” based on its 5-year Sharpe Ratio calculated by Lipper.

This fund seeks long-term growth of capital by investing primarily in equity securities issued by companies located anywhere in the world with business operations in the energy, natural resources and precious metals sectors.

You can learn more about this share and read this entire multi currency report as a subscriber to our multi currency course.

Economic fundamentals suggest that the price for ending the current recession will be inflation.

Three ways to fight inflation are retire in Ecuador or some other country with a low cost of living or to invest in real estate, commodities or commodity based investments.

Gary

Join us at our North Carolina farm this July or October for our International business & investing seminars below. Learn more about how to fight inflation and retire in Ecuador.

July 24-26 IBEZ North Carolina

Oct. 9-11 IBEZ North Carolina

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

July 24-26 IBEZ North Carolina

Oct. 9-11 IBEZ North Carolina

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

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

Oct. 21-24 Ecuador Import Export Tour

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

International Investing Trick


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

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

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

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

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

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

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

But which shares… in which markets?

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

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

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

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

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

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

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

MSCI Indices performances.  Total per annum return over:

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

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

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

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

2006     7.40%          18.23%

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

This history suggests that emerging markets deserve a substantial ranking.

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

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

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

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

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

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

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

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

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

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

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Mt. Imbabura to the east.

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The valley is surrounded by mountains like these twin peaks…

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creating wonderful, mystic  sunrises.

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

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

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

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

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filled with fruits…

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vegetables…

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flowers and …

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herbs.

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

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

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

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

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

Gary

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

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Sunrise from Meson de las Flores.

July 24-26 IBEZ North Carolina

Oct. 9-11 IBEZ North Carolina

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

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

Oct. 21-24 Ecuador Import Export Tour

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

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

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

Ecuador & Coffee Distortions


This message looks at how to take advantage of micro sector booms and Ecuador coffee.

We begin with an excerpt from a recent multi currency lesson on coffee.

When one becomes involved in things that are of interest, discipline comes more naturally.

For example… I should have seen this micro sector boom investment opportunity coming, because…

I love coffee.

Ecuador-coffee

Here I am with Merri at our Cotacachi hotel, working in the courtyard… with our coffee.

Sometimes… really simple, in our face things…. can give us investing clues.  Warren Buffet for example made fortunes from shaving, ice cream and Coca Cola.

The Coffee Micro sector has been caffeine fueled!

A recent USA Today article by by Matt Krantz entitled Coffee stocks are piping hot these days shows why simple ideas… that create micro sector booms… combined with value… create opportunity.

Here are excerpts from this  article:

Looks like coffee is starting to perk up on Wall Street.

While the broad market is struggling to hold its recent gains, shares of five of the largest publicly traded coffee companies are on a high boil.

Shares of Diedrich Coffee (DDRX) are up 4,525% this year, Green Mountain (GMCR) has doubled and even Starbucks (SBUX) is up 50%.

That shows that investors think consumers, despite the recession, still crave their coffee fix, though they’re looking for ways to spend less, says Michael Podhorzer of research firm Sidoti. “Coffee is recession-resistant,” he says. “Whether they go out for it or go to a grocery story, people will still buy their coffee.”

Behind the coffee stock boom:

• Do-it-yourself. Green Mountain is at the center of the make-your-own trend, as it makes popular single-serve coffeemakers under the Keurig brand name. Consumers drop a small coffee-filled pod in a machine, and coffee flows into a cup.

• Cost control and better store traffic.  Starbucks rose 3.3% to $14.16 Tuesday after Robert W. Baird analyst David Tarantino upgraded it to outperform, saying advertising helped boost coffeehouse visits. And a close eye on cutting costs improved profit upside for Starbucks, says Cowen analyst Colin Guheen.

• Low share prices. It didn’t take much confidence to make investors willing to take a shot on the stocks, because they were priced for disaster. Diedrich and Caribou Coffee (CBOU), for instance, started this year at less than $1.50 a share.

This does not mean that you should rush out and buy coffee shares now. The article also goes on to say:

Some fear investors are in a caffeine-induced frenzy. Podhorzer is neutral on Peet’s Coffee & Tea, (PEET) saying, “We don’t really see any big problems, but we think it’s fairly to slightly overvalued.”

ecuador-coffee

I like coffee so much I bring back Intag organic coffee from Ecuador to enjoy when we are at our farm  in North Carolina. More on Intag and Ecuador coffee in a moment.

We’ll see in a moment why Peet’s shares may be poor value, but the point is not that we should invest in coffee shares… or coffee at all. The shares mentioned above may or may not offer good value.

The lesson here is that we can look around our home, our office or place of work. We can assimilate what we see in our travels… what we do each day… what we are involved in.  This observation can give us obvious clues.

We do not have to invest in rocket science to make money either.   Often the big money is in the mundane.

We need to spot ideas about things that we know… that make sense from our perspective… before they become a hot trend in the market place.

Then, if we get lucky, the trend will catch on.  If we are not lucky… but have invested in value… the shares will rise anyway… but in a longer term.

The coffee mania coffee shares may be caffeine charged, but too much caffeine makes the hands jittery and… perhaps… makes share prices shaky as well.

Let’s use this micro sector boomlet to see what to do to take advantage of micro sector booms.

Keep in mind the way these micro sector spurts work.

First, one coffee share takes off.  Maybe the share is  a good one.  Maybe not.

Then, the second and maybe a third share takes off.  Then even bad value coffee company shares begin to rise.

Peet’s (the coffee & tea company) can give us an idea of how one can think these micro sector booms through.

The first valuations of a share’s value  always relate to management skill and experience,  market share, PE ratios… price to cash flow… return on dividend and yield, business plan and future of the market, etc.

Then look at the history of the share price.  Peet’s shares, despite the caffeine boom are in a longer term on a down trend… even though it was bucked up by the coffee boom.  Here is a two year chart of Peet’s price.

coffee-share-price

Then look at volatility.  Here we see a bit of a roller coaster.

Next look at the currency in which the  share is denominated.   Peet’s of course is a US dollar denominated share.  A look at an 18 month dollar euro  chart shows that if you jumped in March 2009 exactly when the Peet’s price was starting its most recent climb you lost a third of the profit, in euro terms, due to the US dollar’s fall.

The Peet’s share price went from $20 to $27, a 35% jump.

However the greenback tumbled from $1.25 per euro to $1.40 per euro, about a 12% loss, in the same period.

US dollar versus euro January 2008 – June 2009.

dollar-euro

Next look at the currency stability factor of the share.

All the coffee companies have a fairly high currency stability risk because the expense of their main commodity is a big part of their cost in relationship to overall income.   The cost of silicon is low in relationship to the cost of a computer, etc.   The cost of coffee in relation to the price of a cup of coffee is high.

Coffee companies sell a refined commodity… i.e. coffee.   In times of inflation, their main ingredient cost is likely to rise enough to have a direct bearing on the sales price of the product.

Next look at sales. If a company is doing business around the world, it has greater commodity stability. The income is in dollars, yen, sterling, euro etc.

Starbucks for example has about 12,000 stores, almost 4,000 of which are in 36 countries outside the U.S.    US consumers drink only about  20% of the world’s coffee.   Starbucks aggressively sells its offerings in countries that already have dedicated coffee or tea drinkers and international revenues have been jumping  over 30% a year.   Nearly 30% of total company revenues now originate outside America, up sharply from only 9% in 1997.

Peet’s Coffee & Tea Inc. (PEET) on the other hand expands mainly in the US by using targeted advertising, such as direct mail and email.  Peet’s has multiple channels to sell its products, including retail stores; home delivery; food services; office; and grocery stores. Peet’s coffee is currently sold in over 3,500 grocery stores… leaving it much more vulnerable to a drop in the buck.

Peet’s has some good points.  Sales rose by 14% in 2008.  Corporate executives agreed to a management salary freeze for 2009, while increasing salaries for hourly workers.  Starbucks’ heavily reliance on expanding stores to increase sales, requires more capital and risk than Peet’s approach to grow at a more measured pace and focus more on grocery store alliances to sell coffee beans.

Peet’s strategy paid off in the down turn, but is this the most dynamic approach wen the recovery comes.

Peet’s share price has risen 35% on sales growth of 14% and lower profits.  This does not make sense from a value point of view.

There are many factors to judge when trying to find value either in a likely trend (that has not happened) or in a micro sector boom like coffee.

The two factors that make consistent success in this investing process more likely are sticking to what you know and always looking… hard…  for signs of good value.

This research led me to find a company that earns a sixth of its income from coffee… has paid a dividend every quarter for the past 60 years, has earnings from over 50 countries,  yet its shares are down 30%.

I have just sent our multi currency email course subscribers a report on these coffee related shares now have a strong technical analysis showing that their price is in an upward trend now. Learn how to subscribe to our emailed multi currency course and receive this coffee share report here.

Join us July 24-26 in the Blue Ridge and save $249.

You can have the $175 multi currency subscription free when you enroll in our upcoming July 24-26 International Business and Investing Seminar.  You save $175.  More details are below.

Intag Ecuador Coffee

Few know that  just 15 miles from  Meson de las Flores in Cotacachi lies the tropical Intag Valley.   This is where I get our Ecuador coffee.  Though close in miles, Intag is a two and a half hour ride by car.

Apuela is the first town of any size in the Intag.  As you enter the Intag valley the village presents a remarkable view stretching into the distance. Far below, on a spur of land above the valley floor Apuela is hemmed in by green cliffs on both sides. Here is this view of Apuela.

The valley floor has been carved by the waters of River Intag rushing headlong towards the Pacific.  This valley appears to be no more than a quarter of a mile wide and much less in places.

Here is the Intag River .

Apuela itself is a mix of concrete and rustic buildings situated in a low canyon on the main road into town. Local produce spills from little stores. Now and again a sign offers accommodations or lunch.

Apuela is the home of the Intag Coffee Company.

We serve only the delicious, organic coffee from Intag at our hotel Meson de las Flores. One of  our readers who stayed at Meson tested Intag coffee for acidity and it scored a remarkable 6.7 on the ph scale!  Unbelievable!  Most coffee is truly acidic.

Intag Coffee Company is a cooperative located in a small cement and wood construction just off the main square.  You can  smell the coffee roasting as you enter the main door.

Here is one of our trusted taxi drivers, Isaak, looking at the huge bags of raw beans brought to the roasting house by the farmers of this cooperative.

Though a small operation, Intag coffee sales are steadily growing and demand often exceeds supply. The cooperative’s aim is fair trade and they pay far higher prices to local farmers than the Ecuador norm. The coop grades the beans in the roasting and packing center. Then begins the roasting procedure. In Intag one can buy wholesale or retail, with packaging or without. Raw, white beans are available to roast or roasted whole or ground coffee is sold. There is a selection of three roasts; expresso, medium or fine. Here is the roaster machine and the beans.

Intag Coffee has a very efficient operation that exports to Spain and Japan though not yet to the USA or Canada. Here´s a picture of their Japanese Intag, fair trade, organic coffee packaged and ready to go.

The raw organic coffee for the coop comes from small farms settled around Apuela and scattered throughout the Intag.  Here is an Intag farmer picking coffee.

Sadly, many of the restaurants and cafes throughout Ecuador serve Nescafe instant coffee.  Not us at Meson de las Flores.

Here is Consuelo and Eduardo serving coffee and a high protein welcome quinoa cake to delegates at a recent tour…. always Intag organic coffee.

ecuador-coffee

We brought back Intag coffee to serve to our delegates at our July 24-26 North Carolina course, so whether you are thinking Ecuador coffee to drink or about coffee shares to own,  you can know more about it from our North Carolina course.

Gary

Join us July 24-26 in the Blue Ridge and save $175.

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

ecuador-banks

the mountain flowers peeking into our kitchen.

ecuador-banks

We love our life in Florida here is a view from one of the houses on our recent house buying trip there.

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Plus we’ll look at investing and living in the Andes. Here we are with our Andean family at our hotel Meson de las Flores.

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and the majestic mountain views from our condo there.

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We also look at Ecuador beach investing.

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We review tax and asset protection benefits from global business and investing as well.

Plus we’ll look at coffee shares.

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.

July 24-26 IBEZ North Carolina

Ecuador Cooking


An Ecuador cooking school has opened in Cotacachi.

See three great Ecuador cooking recipes below.  First, learn how to  find even more Ecuador cooking recipes that blend pre-Incan nutrition notions with modern cooking techniques.

Actually more than a cooking school… “gastronomical education and delight” might be a better phrase because this Ecuador cooking school  is hosted at the luxurious La Mirage Garden Hotel & Spa by La Mirage proprietors Jorge Espinosa and Michel Durer.

La Mirage’s restaurant was one of the first places where Merri and I ate on our first trip to Ecuador.   The wonderfully exquisite cooking there is one reason we fell in love with this country.

We lived one winter at La Mirage and though Merri and I are trustees of a charitable foundation that owns a hotel in Cotacachi, I have to say “La Mirage is the best… not only in the village but in all of Ecuador and rates tops in the world with us”.

There are fifteen luxury rooms at La Mirage and a world class spa with lush private gardens.

Whether you are dipping into a jacuzzi or enjoying a cozy eucalyptus fire in one of the many beautifully decorated rooms, you will find fresh roses everywhere. No detail is overlooked.   Guests range from Hollywood stars and US Senators to royalty.  The Queen of Spain chose La Mirage during her stay in Ecuador.

However,  this message looks at new culinary delights  in the La Mirage kitchen that you can now know and enjoy.

We take most course delegates to visit La Mirage spa at least once during a course and enjoy the great Ecuador cooking there.  The food is incredible.

The chefs are world class, and presentation is at the top of their list. Appetizers are served in individual wooden music boxes, soup is poured hot into your bowl when served and each plate is a work of art. Here I am with delegates at La Mirage.

Here is the risotto starter up close.

The homemade, organic rose ice-cream dessert is out of this world.  Each tiny ball of rose ice-cream hides in the center of a blossom of sugared rose petals.

Everything at La Mirage is exquisite so it was with keen interest and expectation that Merri and I ambled from our hotel to La Mirage to enjoy lunch with the proprietors and hear more about the cooking school.

La Mirage has installed a new teaching kitchen in the Garden Room, where…

ecuador-cooking

we met with Jorge Espinosa and Michel Durer, the La Mirage proprietors with their…

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executive chef and sous chef.

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Relais & Chateaux simply means… the best.  This is what we saw… the best, an exquisite meal built in front of us… just as those who join these Cotacachi cooking classes will learn and enjoy.

The menu included these three courses (the recipes for this Ecuador cooking is below).

GAZPACHO WITH A SHERBET OF CORIANDER

TIMBAL OF QUINUA TOPPED WITH GINGER OR PARMESAN CHEESE

ASIAN STYLE FRICASSE OF DUCK

Here is the start of the Gazpacho.

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Then the chef added…

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sherbert and Jorge poured in the gazpacho.

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The quinua began with

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tomatoes drizzled with two sauces.

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Preparation for the quinua.

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The chef adds grated freshly grated ginger on top.

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Wow!

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Now we had to do our work…

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the eating.

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After the soup and the quinua started, our main course was this duck fricasse.

What can I say?  Delicious… words fail the event… a perfect meal.

You can learn more about the La Mirage cooking school here.

Here are these three Ecuador cooking recipes.  Better still learn much more and attend the La Mirage Cooking School.

These recipes are provided by Jorge Espinosa.

Ecuador-Chef

Jorge is a proprietor of the La Mirage Garden Hotel & Spa. He was trained as a Chef at the famous Hotel Training School in Bad Reichenhall, Bavaria, Germany. before honing his culinary skills cooking at several notable hotels before opening La Mirage in 1986.

At the La Mirage Cooking school Jorge teaches a unique cooking style that blends ancient pre Incan cuisine with his decades of  experience gained while working globally with some of the best chefs in the world.

GAZPACHO WITH A SHERBET OF CORIANDER

Step #1: Peel fresh tomatoes and place into a blender, adding tomato paste,
chicken consommé, garlic, pearl onions, basil, olive oil, Worchester sauce,
salt & pepper. Blend and strain into a bowl and place in the fridge.

Step #2: For the sherbet mix coriander, water, sugar in a blender. Place the
ingredients into a bowl and place in a freezer to harden.

Step #3: When ready to serve, cut a fresh tomato into small pieces, arrange them on a soup plate into a circle and place the sherbet in the center and pour the cold gazpacho around and garnish with basil.

TIMBAL OF QUINUA TOPPED WITH GINGER OR PARMESAN CHEESE

Step #1: The following ingredients should be sautéed: small cut pieces of chicken, red and green peppers, pearl onion, garlic, fresh dill, fine cut mushrooms, parmesan cheese, olive oil, Worchester Sauce, salt and pepper.

Step #2: Mix the above with the pre-cooked quinua and fill, if possible, into
a mold set in the middle of a plate. Two kind of sauces (a rich thousand island
dressing and a Balsamic Vinegar) surround the mold which then is being
slowly removed in order not to spoil the decoration. Top it of with either
long slices of Parmesan cheese or optional with caramelized strips of
ginger.

ASIAN STYLE FRICASSE OF DUCK

Step#1: Cut a breast of Duck into small pieces, fry rapidly in oil, adding
salt and pepper, sweet soya sauce. Add a ginger – soy infusion with
stir-fried vegetables and place on top of sesame rice-noodles.

We hope you’ll join us to share the delights of investing, business and living in Ecuador and the world.

Here is what a delegate at our last tour shared.

Dear Merri,  Thank you so much for taking the time to write to me with all this information.  Your husband cranks out such prolific pieces every day, sometimes two a day!  The tone is always so positive, and the content so interesting and informative.  Best regards to you and Gary,

Visit Cotacachi, La Mirage and attend our  Ecuador Export Tour and our North Andes, Imbabura & Cotacachi Real Estate Tour

2 seminar courses & tours $998 Couple  $1,349.    Save $149 on couple

See more about La Mirage at Ecuador cooking and Cotacachi Spa Day

Gary

Join us at many seminars and tours in Ecuador, Florida or  North Carolina… in 2010.

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

For International Investing and Business.

For Super Thinking + Spanish

For Ecuador Shamanic Tour

For Ecuador Export

For North Andes, Imbabura & Cotacachi

For Manta & Mid Coast

For Quito & Mindo

For Salinas & South Coast

For Cuenca

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

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

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

Here are our multi tour adventure discounts.

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

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

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

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

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

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

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

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

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

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

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

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

International Club 2010

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

International Club 2010 Membership Enroll here

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

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

Join us in February or March.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

International Club 2010 Membership Enroll here

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

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

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

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

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

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

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

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

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

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

Gary

International Club 2010 Membership  Enroll here

Ecuador Risk


Ecuador has risks.

As does everywhere.  In fact our world has more risk then ever before.

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Are quiet Ecuador streets like this Cotacachi avenue at risk?

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The young Ecuadorian children who go to school early, alone don’t seem to feel much risk.  Yet?

Change creates risk and we live in an era of increasingly rapid change.

Those who welcome this fact are those who have the best chance of success. ahead.

This is the era of rapid change… the era of  extra risk.  The current time period within this era is of accelerated change and risk.

This is an important message about how to manage risk in Ecuador or anywhere.

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Even young children play alone in the Cotacachi Ecuador streets without much risk

Yet we must always take care.

Take for example the US travel advisory for Ecuador… read  without perspective. Ecuador risk would seem high.

Here are excerpts from the US travel advisory for Ecuador:

SAFETY AND SECURITY: The U.S. Embassy in Quito advises caution when traveling to the northern border region of Ecuador, to include areas in the provinces of Sucumbios, Orellana and Carchi, northern Esmeraldas, and southern Esmeraldas, south of Atacames.  U.S. government personnel are under limitations with respect to traveling alone and over-nighting in these areas due to the spread of organized crime, drug trafficking, small arms trafficking, and incursions by various Colombian terrorist organizations.

CRIME:  Crime is a serious problem in Ecuador, and visitors should be alert and cautious.  Non-violent crime is common: hundreds of Americans are robbed every year in Ecuador.   Incidents of rape have increased, even in well-traveled tourists areas and when the victims traveled in groups for safety. Shootings, kidnappings, and carjackings are still relatively rare, but American citizens have been victimized by those crimes.  The Ecuadorian government has increased police patrols in tourist areas, but travelers should remain alert to their surroundings and maintain constant control of personal belongings.

Criminals sometimes use incapacitating drugs such as scopolamine on unsuspecting tourists in order to rob them.  These so-called date rape drugs are put into drinks in order to drug the unsuspecting victim.  This drug can render the victim disoriented and can cause prolonged unconsciousness and serious medical problems.  Never allow a stranger to “buy” you a drink and never leave your drink unattended.  Several American citizens have reported thefts of property following ingestion of such substances.

Does Ecuador sound risky?

Ecuador sounds risky until you read the travel advisory for Italy.  Here are excerpts from the US travel advisory for Italy:

Some travelers are victims of rape and beatings.  There are incidents of drinks laced with drugs being used by criminals to rob, and in some cases, assault tourists.  Many of these incidents occur in the vicinity of Rome’s Termini train station and at major tourist centers such as Campo de Fiori and Piazza Navona, as well as in Florence and Naples.  Criminals using this tactic “befriend” a traveler at a train station, bus stop, restaurant, café or bar in tourist areas, then eventually offer a drink laced with a sleeping drug.  When the tourist falls asleep, criminals steal the traveler’s valuables.  There are also instances where the victim is assaulted, either physically or sexually.

Petty crimes such as pick-pocketing, theft from parked cars, and purse snatching are serious problems, especially in large cities.  Clients of Internet cafes in major cities are also targeted.  Tourists who have tried to resist petty thieves on motor scooters have suffered broken arms and collarbones.

The U.S. Secret Service in Rome is assisting Italian Law Enforcement authorities in investigating an increase in the appearance of ATM skimming devices.

Organized criminal groups operate throughout Italy, but are more prevalent in the south.  They occasionally resort to violence to intimidate or to settle disputes.

Italy could seem risky as well until you read the travel advisory for Spain .  Here are excerpts from the US travel advisory for Spain.

SAFETY AND SECURITY:     Spain and Andorra share with the rest of the world an increased threat of international terrorist incidents.  Like other countries in the Schengen area, Spain’s open borders with its Western European neighbors allow the possibility of terrorist groups entering and exiting the country with anonymity.  Spain’s proximity to North Africa makes it vulnerable to attack from Al Qaeda terrorists in the Maghreb region.  Americans are reminded to remain vigilant with regard to their personal security and to exercise caution.

In the deadliest terrorist attack in recent European history, in March 2004, Islamist extremists bombed four commuter trains entering Madrid, causing 191 deaths and over 1,400 injuries.  Spanish authorities tried the suspected terrorists and their co-conspirators in February 2007 and convicted in October 2007.

The Basque Fatherland and Liberty (ETA) terrorist organization remains active in Spain.  ETA has historically avoided targeting foreigners, directing their attacks against the police, military, local politicians, and Spanish government targets as well as attempts to disrupt transportation and daily life. However, foreigners have been killed or injured collaterally in ETA attacks.  Two examples of this are the Barajas Airport bombing in December 2006, in which two Ecuadorian nationals were killed and the bombing at the University of Navarre in October 2008, in which 17 students were injured including one American student.  In addition, bombs have been used as part of criminal extortion of businesses, particularly in the Basque region. The risk of “being in the wrong place at the wrong time” in event of an ETA action is a concern for foreign visitors and tourists.  U.S. tourists traveling to Spain should remain vigilant, exercise caution, monitor local developments, and avoid demonstrations and other potentially violent situations.

Street crimes against tourists occur in the principal tourist areas.  Madrid and Barcelona, in particular, report incidents of pick-pocketing, mugging and occasional violent attacks, some of which require the victim to seek medical attention.  Although crimes occur at all times of day and night and to people of all ages, older tourists and Asian Americans seem to be particularly at risk.  Criminals frequent tourist areas and major attractions such as museums, monuments, restaurants, outdoor cafes, Internet cafes, hotel lobbies, beach resorts, city buses, subways, trains, train stations, airports, and ATMs.

Thieves often work in teams of two or more people.  In many cases, one person distracts a victim while the accomplices perform the robbery.   Spanish authorities warn of the availability of so-called “date-rape” drugs and other drugs, including “GBH” and liquid ecstasy.  Americans should not lower their personal security awareness because they are on vacation.

We could go on… in Europe…  in Asia… or anywhere.

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Parents in Cotacachi Ecuador do not feel much risk when they let their children play in the parks.

Mostly, places are not the cause of risk.  The causes of risk  are within,  our awareness, our actions, our  patterns and habits.

If one becomes aware of change and adapts accordingly… there is no risk.  There is opportunity instead.

Early adapters are called risk takers.   They are not.

Real risk takers are those who do not  adapt because…  we know…  there is change.

The real risk is living by OLD rules in a NEW world.

The real risk is believing in General Motors for example… because it is the biggest… oldest… so it must be safest.

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Young lovers in Ecuador can meet safely in out of the way places.

The world is new every day and each day, some old rule no longer works.

The old rules used to say that the Western world was safe… and the emerging world riskier.   The old rules said that the Western world had low crime…  the emerging world had high crime.

Yet look at excerpts of a recent New York Times article entitled “Prison Spending Outpaces All but Medicaid” by Solomon Moore (See a link to the entire article below) says:

One in every 31 adults, or 7.3 million Americans, is in prison, on parole or probation, at a cost to the states of $47 billion in 2008, according to a new study.

Criminal correction spending is outpacing budget growth in education, transportation and public assistance, based on state and federal data. Only Medicaid spending grew faster than state corrections spending, which quadrupled in the past two decades, according to the report Monday by the Pew Center on the States, the first breakdown of spending in confinement and supervision in the past seven years.

This suggests that the US has quite a lot of risk… both in crime and health.

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Ecuador people are by nature, caring, friendly and warm.

Sometimes I get letters like the one below from readers who have been victims of crime in Ecuador.  This reader lost her computer and camera when she forgot them in the business lounge at the Radisson hotel in Quito.

Dear Gary,  Can you believe, the Quito police, working with the Radisson hotel, found my  briefcase with the computer and other small items and had them sent by Federal Express to me.  I had provided them with the receipts of all the items stolen, for the items they were not able to send me  (camera and cellular phone) I was reimbursed via bank transfer. I still can’t believe it.  This was a good ending and so unexpected.  send you all love, and good thoughts. Laura

New rules about risk are being written every day and our daughter Francesca shared some thoughts on this when she recently visited us here.

Fran is quite a traveler.  Here early studies were in England… Gloucestershire and Birmingham.  Then she spent more for more than a year in Spain and Costa Rica, and moved to Naples and Delray, Florida which were bases for her to  manage real estate tours in Argentina, Belize, Chile, Ecuador and Uruguay.

She worked for several years doing human rights training in Geneva, Switzerland before returning to get her Masters degree at London School of Economics.

Then  she worked in London for the Crown Agents where she was assigned
as a project manager and consultant to governments in Nigeria,  Peru, Sierra Leone and South Africa.

She has worked the last several years  as a development planning, monitoring & evaluation consultant in Swaziland and is returning there now on a contract with the United Nations.

As a young, single woman (now married) she has had to be aware of risks traveling everywhere from Florida to London to Lagos.

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Here I am with Francesca on her wedding day.

Fran & Sam rode to their reception in Richmond Park on a bicycle built for tow.

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Riding a bike through London traffic… now that is risky!

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Here are some common sense thoughts that Francesca shares about living with risk.

Living with Risk by Francesca Scott

We’re living in risky times; from the economic collapse, to swine flu, to erratic weather conditions.  It sometimes surprises me when people ask me if I’m not worried about living in Swaziland (my current home), because, they say, Africa is such a dangerous place.  I figure that when I return to London, my risk of being attacked in a terrorist attack skyrockets.  And I am still dumbfounded by the fact that children are screened for guns at schools in the United States.  By the way in England for the first time screening for knives has begun in some inner-city London schools.

The issue of risk came to mind recently, when I was visiting my Grandma. One evening over dinner, the discussion turned to the security situation in Swaziland, and I mused that in certain ways I feel safer in Swaziland than I do in parts of London. My Grandma commented that gangs were increasingly becoming a problem in Portland, her home city, and that she didn’t feel that safe these days.  The next day, as we stopped at the local bank, I was surprised by the thick wall of bullet proof glass completely separating the staff from the general public. They don’t have that in banks in London, or in Mbabane, Swaziland’s capital city.

I began thinking about how easily we adapt to different risks within our local environments. In many countries, one would be crazy not to have bars on lower windows. In central London, I hold my bag very close to my chest – I value my purse and cell phone too much. My mother-in-law, who lives in Australia, actually leaves her keys in her car when she stops at a store to pick up groceries (gasp!).  Sadly, I doubt that will last for much longer.   So does my Dad in NC.  They have a policy on the farm that all keys remain in all vehicles…just in case someone needs to jump in one!

Each country has a different risk profile, from pick-pockets, to pollution, to drug barons.  I am not saying that Swaziland does not have its dangers – my house has been broken into several times, and I drive much more defensively than I would in the US or the UK (mostly to avoid wayward cows that have drifted onto the road).  The important thing is to be fully informed about the risks.  This might sound obvious, but sometimes people are scared off by unfamiliar risks or misinformation.

It’s also worth remembering that there are often a variety of ways to mitigate those risks through effective prevention methods, so long as you know the rules. Most of us are guilty of exposing ourselves to unnecessary risk as a result of ignorance at one time or other, and are lucky that we’ve lived to tell the tell. I was threatened at knife point by a drug addict in a park in Spain, when I lived there as a student.  When I recounted my story to my Spanish roommate, she told me that I was a fool to be in that park in the first place, ‘…didn’t you know that it’s the favorite haunt for heroine addicts in the city?’  Well, no, obviously I didn’t know at that time, but it was a valuable lesson for me about the importance of knowing the rules.

I must admit to being a little scared before I went to Swaziland.  After all, it’s in one of the poorest parts of the world, and only three hours drive from Johannesburg, a gang-ridden, violent city. I also couldn’t shake off all those awful images of Africa I’ve seen on the evening news. I told myself that I would try it out for six months (I figured I could survive for that length of time in an underground bunker living off tinned corned beef and bottled water if it was that bad), and make a decision from there about whether or not it was for me. Two-and-a-half years later, I still thoroughly enjoy living here and am very glad that I resisted my initial anxieties.

For those considering buying property, or even moving to Ecuador, or any other country – developed, developing or downright poverty stricken for that matter – I would recommend to take the time to become fully informed about the types of risks you might face.  You can find out a lot from the internet and books, but it would be a shame to be scared off by some of what you read or by the well intentioned comments of a neighbor who hasn’t ever lived away from their home town.

Everyone comes from a different starting point, and everyone has a different risk threshold.

Also, the dramatic stories tend to be more interesting to tell.  While reading around can certainly offer you a variety of different and valuable viewpoints, it’s also important to talk to people who have lived in the country. Locals can be an invaluable source of information, while ex-pats may be more appreciative of the kinds of risks unanticipated by a foreigner, risks that may seem glaringly obvious to a local. Also, find out what you can do to mitigate those risks. Often you can reduce your exposure significantly using the appropriate precautions. If you think that the benefits outweigh those risks, then go down and check out the country for yourself.  That’s the only way you can really know if the level of risk is one that you could tolerate.

It might be that the risks are in some countries and in some places, in fact, just too high, pushing you beyond your comfort zone, or that the restrictions necessary to reduce your risks would make you feel stressed and claustrophobic. It’s no fun lying restless at night at night because you’re worried over a break-in, even though you have an alarm, or resent the lack of privacy from having a guard permanently outside your house. If you’re looking for the exact replica of your own community, with the same level of risk, and a Starbucks around the corner thank you very much, then somewhere like an emerging country really may not be for you. There will inevitably be new and different risks in poorer countries, some to which you, as a foreigner, could be at much higher risk than a local.

But take a moment to reflect on the risks that you face in your daily environment back home, and you might find that such risks are relative. While some risks will be new when you move abroad, you will also leave some behind. Therefore, before making any decision of moving to a country other than your own, I recommend making sure that you are informed by the reality on the ground, not some misconception fed by the media or well-intentioned homebodies. Only with that information can you gauge whether you’ll be comfortable with the type and level of risk you might face. For an adventurous soul, you may well find that the benefits of living in a new culture, the fun of exploring a foreign terrain, make everything worthwhile.

Risk assessment is a vital part of survival and success in today’s world.

This has always been true so always consider risk… but when you evaluate danger… don’t  just look at the places where you will be.   Review your thinking, your habits and patterns to see how you can turn risk into opportunity.

Gary

Join us here at our hotel Meson de las Flores.  Learn more turning risk into opportunity at our courses and tours.

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June 12-14 Shamanic Mingo Tour

June 16-17 Imbabura Real Estate Tour

June 18-21 Ecuador Coastal Real Estate Tour

July 4-8  Ecuador Export Tour

July 8-9 Imbabura Real Estate Tour

July 10-13 Ecuador Coastal Real Estate Tour

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.

See the entire article Prison Spending Outpaces All but Medicaid at http://www.nytimes.com/2009/03/03/us/03prison.html

The American Dream Goes South at Florida Investment Seminar


I’ll focus on how the American dream is heading south at JGAM’s multi currency seminar in Florida this May.

If looked at one way… the American dream is dead. Let’s ramble through economic history for a moment to see why.

In the early 1980s the US had a challenge… a severe recession from July 1981 to November 1982.  Inflation was high so the Fed  slowed the rate of growth of the money supply and raised interest rates. The federal funds rate rose to 20% by June 1981. The prime interest rate, at the time a highly important economic measure, eventually reached 21.5% in June 1982. Businesses went broke by the drove… 50 percent over the previous year.  Especially hard hit were farmers and real estate developers.

The recession was the most serious recession since the Great Depression.

This was tough but inflation eased and the economy rebounded.  Growth took off again… real growth without bad inflation because the real estate overhang and subsequent bankruptcy of the Savings & Loan industry was dealt with by the Resolution Trust Corporation.

RTC liquidated via auction and a massive sell off to private business, the real estate that had been assets of savings and loan associations that were insolvent.

The US government had the sense then not to try and control these assets.  Entrepreneurs bought the assets for pennies on the dollar and turned the property into viable deals in ways that no government agency ever could.

Japan then had a serious recession and the same opportunity.  There was a real estate and stock bubble in Japan in the 1980s.   Then in 1989 there was a massive withdrawal of confidence. Investment collapsed, causing the Nikkei index to fall more than 60 percent.

The Japanese government however decided that it could provide a fix. the Japanese felt they could not let big Japanese businesses go broke.  Between 1992 and 1995, Japan tried six spending programs totaling 65.5 trillion yen. They cut  taxes in 1994. In 1998 they cut taxes again and launched stimulus packages worth more than 40 trillion yen.,  A year later… another stimulus program. In 2000 11 trillion yen more was spent to stimulate the economy.

Over a decade the Japanese government provided 10 stimulus packages worth more than a 100 trillion yen.   The main result was to ruin the Japanese government’s credit with public debt that exceeds 100 percent of GDP. This is the highest percent of debt of all major nations.

Any other results?  Here is evidence… the main Japanese stock index the Nikkei 225 from 1989 till 2009.  Japanese society is indebted for life and the stock exchange has fallen from over 35,000 to  7,600 in 20 years.

Wow that really worked well… so

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now the US government has decided to do the same thing.

Last week the government  offered another $30 billion in funds to A.I.G. insurance.  This is the fourth round of aid to the American International Group. The government already owns nearly 80 percent of the insurer’s holding company. How much more can they buy?

This sounds like a good investment since the insurance giant was about to report a $62 billion loss after the government has already given a $60 billion loan, a $40 billion purchase of preferred shares and purchased $50 billion of the company’s toxic assets.

Behind this, the government has invested $50 billion in Citigroup… $45 billion in Bank of America.  The Us auto bailout could cost another 100 billion. More on that in a later message.

This is all taking place as the US economy spirals down at an accelerated pace.

Yet the current administration is basing its spending on calculations that suggest vigorous rates of economic growth in years to come.

They have suggested this economic growth will come in 2010.

I wonder?

There seems to  a disconnect between the Federal projections and fiscal reality.   Current conditions are not yet at the level of the 1980s, when unemployment exceeded 10 percent, but they could be soon.

Moody’s chief economist now places the odds of “a mild depression” at 25 percent. In that view, the unemployment rate would reach 10.5 percent by the end of 2011 — up from 7.6 percent at the end of January — average home prices would fall 20 percent on top of the 27 percent they have plunged already, and losses in the financial system would more than triple, to $3.7 trillion.

Yet President Obama calls this a “once in a generation” opportunity and proposed a 10-year budget that overhauls health care, arrests global warming and expands the federal role in education.

How to pay for it?   Tax more corporations and the wealthiest taxpayers.

Wrong!  Higher tax will simply kill business or drive it abroad.  What a  good idea to chase away the last of the success.

The President said  he would shrink annual deficits.  His explanation is that he will increase revenue from rich individuals and polluting industries, reduce war costs and assume a good rate of economic growth by 2010.

The rich will stop working or leave the US.  The polluters will move to Mexico or China or wherever.   The high rate of economic growth will not appear.  Stopping the war will help… but not enough.

Technology means that politicians can no longer ignore the global market and tax its citizens to death.

Take for example what is happening in Ecuador.  Remittances sent by  Ecuadorians who work abroad fell 22 percent in the last quarter of 2008.

$643.9 million was sent from October to December 2008. This is $181.7 million less than in Oct.to Dec.2007.

A similar drop was experienced in the third quarter of 2008 and is caused by the global financial crisis and especially the economic slowdown in the United States, where it is estimated 1.5 million Ecuadorians live and work.

The U.S. employment rate has crashed especially in manufacturing and construction which employ a large number of Ecuadorians.

The same is true in  Spain – where 600,000 Ecuadorians live. this is the second-leading destination for Ecuadorians.

This means that there are more Ecuadorians to serve for less in Ecuador.  This forces the Ecuador cost of living down down.

So if you are an American who is about to be super taxed… where would you choose to live?  Our farm manager sent us this note recently, “We had 4 inches of snow in China Grove.”

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Would you rather live there and pay more tax or…

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enjoy open air dining as Merri and are doing here in our Cotacachi hotel courtyard with Dan Prescher and Suzan Haskins or…

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would you rather enjoy a mountain train ride as these…

multi-currency-investing-florida-course new Cotacachi residents are doing…  passing through green mountains  and blue skies.  Getting a sun burn.

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The is the train from Ibarra to Salinas Ecuador.  Would you rather be taxed extra to be in this pool or…

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be here on Ecuador’s coast with tax advantages?

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Which view will the rich prefer?  This in the US or…

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this… especially if this San Clemente Ecuador ocean view costs much, much less?

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Where would I prefer to walk with my hound?  Here in sub zero temperatures or

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here in Cotacachi Ecuador…especially if I am taxed less and the cost of living is much lower and government interference in my life is less?

multi-currency-investing-florida-course

Technology and the global market gives us as individuals enormous power to live where and as we choose that politicians can no longer ignore.

The government’s attitude to increase taxes on those who work hard could turn the existing brain drain from the US into a brain torrent.

In short there are many reasons I see that suggest the economic mess will  last for years in the US,  just as it has in Japan.

Recently, Warren Buffett wrote in his company’s annual report that “the economy will be in shambles, throughout 2009, and, for that matter, probably well beyond.”

This is not the picture we expect of the American dream.  However the picture is not bad for all.  Not all Italians became poor when Rome fell.  Italy is still a great place to live.  There are still millions of Japanese who have thrived over the past 15 years of Japanese recession.  The end of the America dream does not have to be the end of your dream.

In the US we can expect the rich to get richer… the poor poorer.   We can see why from our study of Power Distance Index.  We looked at PDI, and what it is, in a recent message about JGAM’s multi currency seminar.

There is more about Power Distance Index at http://www.clearlycultural.com which says:

Hofstede’s Power Distance Index measures the extent to which the less powerful members of organizations and institutions (like the family) accept and expect that power is distributed unequally. This represents inequality (more versus less), but defined from below, not from above. It suggests that a society’s level of inequality is endorsed by the followers as much as by the leaders.

For example, Germany has a 35 on the cultural scale of Hofstede’s analysis. Compared to Arab countries where the power distance is very high (80) and Austria where it very low (11), Germany is somewhat in the middle. Germany does not have a large gap between the wealthy and the poor, but have a strong belief in equality for each citizen. Germans have the opportunity to rise in society.

On the other hand, the power distance in the United States scores a 40 on the cultural scale. The United States exhibits a more unequal distribution of wealth compared to German society. As the years go by it seems that the distance between the ‘have’ and ‘have-nots’ grows larger and larger.

The trick then is to not accept the PDI from the lower end. Let me explain.

Excerpts from 2007 article by a Stefan Bach , Giacomo Corneo  and Viktor Steiner at www.voxeu.org entitled German income inequality outlines an idea.  The article says:

Paul Krugman frequently mentions that America’s super rich make the 19th Century wealthy look poor. “We know what John D. Rockefeller, the richest man in Gilded Age America, made in 1894 … $1.25 million, almost 7,000 times the average per capita income in the United States at the time.” Krugman wrote. ”But that makes him a mere piker by modern standards … James Simons, a hedge fund manager, took home $1.7 billion, more than 38,000 times the average income.”

Surely such extremes cannot happen on Continental Europe with its social market economics and social solidarity. The authors of Policy Insight No. 4 shows that although income inequality in Germany is a long way from reaching US proportions, the trend is in that direction. Germany rich are getting richer, and its super-rich are getting super-richer.

In other words as a society progresses, those with power get richer while the majority of  the population become poorer.

Note above that power is determined  from below, not from above. It suggests that a society’s level of inequality is endorsed by the followers as much as by the leaders.”

Power is an illusion that keeps most investors and business people depressed while a few gain from this social falsification.

The internet destroys this illusion. The web gives us all power!  Today we have as much opportunity as the rich to gain from the changes that this economic correction will bring.

This is why Merri, our webmaster and I have created a new course on how to build a web business with a webmaster.  More on this in a moment.

First what you can do as an investor or with your own business.

One answer we saw above is to live in a better lower cost environment like Ecuador.

Another answer is to be a multi currency investor. Despite America’s government spending , the dollar has been gaining, particularly against European currencies. The euro slipped to under $1.26, nearing a two-year low and down from a high of almost $1.60. This is caused as fearful investors jump into 10-year Treasury bonds… which have been shown to be terrible long term investments.   All the US government spending means that the US dollar will fall. But against what?

The euro is not a trustworthy currency now. A March 1, 2009 New York Times article by Steven Erlanger and Stephen Castle entitled “Growing Economic Crisis Threatens the Idea of One Europe” explains why.  Here is an excerpt from that article:

The leaders of the European Union gathered Sunday in Brussels in an emergency summit meeting that seemed to highlight the very worries it was designed to calm: that the world economic crisis has unleashed forces threatening to split Europe into rival camps.

With uncertain leadership and few powerful collective institutions, the European Union is struggling with the strains this crisis has inevitably produced among 27 countries with uneven levels of development.

Whether Europe can reach across constituencies to create consensus, however, has been an open, and suddenly pressing, question.

“The European Union will now have to prove whether it is just a fair-weather union or has a real joint political destiny,” said Stefan Kornelius, the foreign editor of the German newspaper Süddeutsche Zeitung. “We always said you can’t really have a currency union without a political union, and we don’t have one. There is no joint fiscal policy, no joint tax policy, no joint policy on which industries to subsidize or not. And none of the leaders is strong enough to pull the others out of the mud.”

Thomas Klau, Paris director of the European Council on Foreign Relations, an independent research and advocacy group, said, “This crisis affects the political union that backs the euro and of course the E.U. as a whole, and solidarity is at the heart of the debate.”

“All of that is in doubt if the cornerstone of the E.U. — its internal market, economic union and solidarity — is in question,” said Ronald D. Asmus, a former State Department official who runs the Brussels office of the German Marshall Fund.

If the the euro is a good currency for diversification, which currencies are?

Our multi currency course helps you learn how to diversify into safe currencies.  Our studies currently suggest that the Danish, Swedish, Norwegian kroner and Canadian dollar make sense. For example beginning in March the Swedish kroner hit a new record low. The Eastern European problems are having an adverse impact on the Swedish banks.   Also the Norwegian currency is a good technical buy.

You can join us to understand why these currencies make sense by subscribing to our on line multi currency course.

You can also join us for a currency review at JGAM’s Naples Florida investment course May 29 to 31, 2009.  This course is $499 ($750 for two) but free to those who have subscribed to our on line multi currency course.

Another way you can attend JGAM Florida seminar free is to subscribe to our course on how to have a web based business.   You can enroll in this special course for $299 and attend the JGAM course in Naples free.

Here is a special offer on this course “Tangled Web – How to Have a Web Business“.

Or join us for an upcoming course in North Carolina or Ecuador.

Gary

Future 2009 courses

May 29-31  JGAM Multi Currency investment Seminar Naples Florida

June 12-14 Shamanic Mingo Tour
June 16-17 Imbabura Real Estate Tour
June 18-21 Ecuador Coastal Real Estate Tour

July 3-6 Ecuador Import Export Expedition
July 8-9 Imbabura Real Estate Tour
July 10-13 Ecuador Coastal Real Estate Tour

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