Tag Archive | "speaker"

Ecuador & Intuitive Investing

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

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


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


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

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

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

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

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

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

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

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

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

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

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


I was upstairs looking at the hotel rooms.


Merri was downstairs in the courtyard.


I walked down.

Merri walked up.

We met on these stairs.


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

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

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

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

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

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

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

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

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

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

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

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

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

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

I was not impressed.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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


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

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

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

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

December 6-8 Beyond Logic Shamanic Tour

December 9-10 Imbabura Real Estate Tour

December 11-13 Ecuador Coastal Real Estate Tour



Other 2009 Ecuador Tours.

Oct. 25-26 Imbabura Real Estate Tour

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

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

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


We invite villagers to join us… family and all.

Investing Internationally

Investing internationally with thought about reflexivity can improve your wealth.

See three thoughts below that can help bring you everlasting wealth.

#1: George Soros’ thoughts on international investment reflexivity and how the power of thought affects investing and business internationally.

#2:  More on Ecuador’s government’s plan to take over a number of  TV and radio frequencies.

#3: An update on international emerging market values…

International Investments & Reflexivity

Investing internationally can bring everlasting wealth if your logic can adapt and focus in new and meaningful ways.  One way to focus your investing logic is by understanding reflexivity.

The term reflexivity was coined by George Soros.   His thinking on investment markets can help investors because the philosophy has proven success.

Part one of his book “The New Paradigm for Financial Markets” shows how we as investors and as a society need to think outside the box.  This section of the book makes seven points:

Point #1: Understanding world is inherently imperfect because we are part of the world.

Point #2: There are two functions in our thought… understanding the world … cognitive thought and having impact and taking advantage of the world… manipulative thought.

Point #3:  These two functions counteract one another. Manipulation requires intentions and predictions which are not fact.  So our beliefs and expectations can hinder our ability to see fact.

Soros writes in this book: “Take the stock market as an example People buy and sell stocks in anticipation of future stock prices, but those prices are contingent on the investors’ expectations. These expectations cannot qualify as knowledge.

Point #4:  Supply and demand are not independent of people’s expectations.  This means that the element of uncertainty cannot be be eliminated. Yet market theory that rules most investing and most government intervention in markets ignores this fact.

Point #5:  Social events have a different structure from natural phenomena.  Natural phenomena has a causal chain that connects one event directly to the next.  Human affairs include participant’s views. These views affect the causal effect and the participant’s views which creates self reinforcing loops.

Point #6: Natural events happen. Participants can affect what happens next with their decisions but cannot base their decisions on true knowledge because their decisions alter the truth.

Point #7:  At times reflexivity makes the abnormal normal.

Soros’ philosophy is supported by Heisenberg’s Uncertainty Principle that states that certain pairs of physical properties, like position and momentum, cannot both be known exactly.  The more precisely one property is known, the less precisely the other can be known. It is impossible to measure both position and velocity of a microscopic particle with any degree of accuracy or certainty. This is not only a statement about the limitations of a researcher’s ability to measure particular quantities of a system, it is a statement about the nature of the system itself… the fact that the act of measuring anything alters the very thing being measured.

This would make it seem that we cannot really gain an understanding of what will happen with any international investment or business.   This is true.

However there are ways we can come closer to understanding… because we are a part of nature, which by definition makes us part of and in touch with everything.

Access to this infinite knowledge is via our more subtle brain waves.

Access to these waves can come in many forms.

Soros claims to have many ways to access this greater knowledge but in his book his son wrote:  My father will sit down and give you theories to explain why he does this or that. But I remember seeing it as a kid and thinking, at least half of this is bullshit. I mean you know the reason he changes his position in the market is because his back starts killing him. It has nothing to do with reason. He literally goes into a spasm, and it’s his early warning sign.

Some would call it intuition, instinct, gut feeling and perhaps these are just ways of describing getting in touch with a deeper, non linear, infinite field of intelligence that all receive but few tune in.

We cannot define infinity and logical thought by definition must be linear.

Final decisions should be rational and should come from our logic… but logic by its nature must be focused on a very narrow path.  This means we need a way to let our intuition tell us when we need to shift the focus of our logic on a new path outside the box.

One way the yatchaks (means to know) of the Andes and wise people everywhere is to look for signs of nature.

One term used for these signs is totems.  For example, my totem is the Heron.

So let’s ask what in the heck do Herons have to do with international investments?

The answer is nothing and yet everything…


Here is an explanation about totems from Speaker for the Animals:

Heron – Aggressive – Self-Reliance – Self Determination  Heron links two worlds: the waters of life—the Unconscious, and the air—the realm of the conscious mind. He feeds on fishes, which symbolize the treasures of the Unconscious mind: spiritual nourishment for the Seeker. Yet he is also a creature of the Earth, so he is a grounding influence for people who spend too much time in their minds and who are called to ‘fish’ in the waters of the unconscious.

The legs of Heron are long to “stand” the deep waters of the Unconscious: the Waters of Lethe bring sleepiness and unconsciousness if one is not awake, aware and wary. Heron is a solitary fisher; if you call upon Heron to be your own totem, you must be able to stand alone as you seek, for there is no one to call on should you step into too-deep waters.

Heron’s strength for those of us who spend too much time ‘in our minds’ is that he brings one down to Earth. With Heron as your guide, he will bring you to ground to explore life here in the physical instead of just daydreaming or losing oneself in one’s imagination or dreams.

We’re unconventional, hearing our own inner drummer. We don’t worry about ‘keeping up with the Jones’s, doing what others do, believing what others believe, valuing what others value. If there is a weakness, it is that Heron works too hard at its fishing because he is a superb ‘stalker.’ He spends long hours standing and watching for a movement in the water, and needs sometimes to ‘loosen up’ and spend more time playing, courting lady herons or just snoozing in the Sun.

Most people, as Ted Andrews says in his book Animal Speak, would never choose to live this way: “It is not a structured way, and does not have a stability or security to it. It is though, just a matter of perspective. There is security in heron medicine, for it gives the ability to do a variety of tasks. If one way doesn’t work, then another will.”

Solitary in nature, Heron people follow their own path. They learn self-reliance. This is a valuable character trait in these times of conformity and homogenization of values. Heron people can stand alone, listen to their own inner wisdom, and go their own way when everyone else is conforming to society’s commands. In this way, they build their own ways to be as well as choose their own way of doing. They are individuals first.

Herons are active in my life and I have painted one (inspired by Audobon’s Heron) that hangs in the entrance to our house.


So when the Great Blue Heron that lives on Little Horse Creek flew from our high mountain bog right over this morning, I dug out my copy of Animal Speak.


I rethought my business and investments in contrast to the symbolism of the heron.  This never happens without my coming up with some worthy thought.  Today it related to a partnership I was looking into.  I reread Solitary in nature, Heron people follow their own path. They learn self-reliance.

This started me rethinking if Merri and I really want a partner. This started me looking at the business in a very different way.

Ecuador shamans and yatchaks use this process extensively and call it shape shifting. They place themselves in the spirit of their totem and this forces them to think about whatever subject they are concerned with in a different way… thinking like a heron or eagle or condor definitely puts you out of the box!

I did not come to any conclusions about my business decisions because I saw a heron.  The fact I saw a heron caused me to sit down and use my logic to rethink my plans in a different way.

Learn more about how to improve your thought process here.

Ecuador Radio and TV

On the subject of Ecuador, a previous message shared news about the Ecuadorian government’s plan to seize a number of radio and TV stations and promised to stay tuned to what happens.  I have asked many of my trusted sources in Ecuador for their opinions which we’ll share in various messages.  Here are two from businessmen in Ecuador.

The first contributor was quite negative when he wrote:  The first thing to take into account is that he is actually proposing control over the press not only within the countries but at a international
level. What he is saying is that countries like Venezuela, Bolivia, Ecuador and others, should create an international committee that will oversee what the media is saying about the governments.

Ecuador is following the Venezuelan model, so if you see that Chávez is pushing for a new legislation that control the media and whatever content they have that may “threaten” the nation security, Ecuador will follow that soon. Below is what Venezuela is doing, they actually want to sensor the information that the media exposes meaning that if who oversees the media thinks that this or that information is “bad” for the country, the media or the anchor will actually face justice and may even go to jail for at least four years. They closed 32 radio stations and 2 tv stations.

Rafael Correa, the President, said that his team was about to revoke some radio frequencies depending on the outcome of a report that his government is finishing. This will mean that whatever happens will be done in the next weeks. Critics claim that this was not done on a technical level but on a political one, opening the door for the government to possibly revoke the frequencies of radio stations or TV stations that oppose the government.   On this matter nothing is sure yet, but Conartel, which oversees the media, actually punished a TV station, Teleamazonas, that opposes the government.  The fines were applied to that TV station one time, by law the second time they must close for about 90 days and the third time they must close forever. They censored the Simpsons also from that TV station and there was a public outcry because Conartel and the government threaten to punish them.  We figure that since he started a new period, things will start to happen in the coming weeks, so far nothing is concrete yet.

He was not totally negative though and added: One thing although is that the government is not talking about taking over TV stations or radio stations, but revoking the frequencies. But take this into account, the government actually took over some private TV stations, they got them as part of a debt that Filanbanco, a bank, had with the government back in the crisis of 1999. This appears to be a separate thing. On the same takeover they got two TV stations plus a newspaper El Telégrafo.

The second contributor feels good about this new and wrote:  Hi Gary,  I have lived here full time for over 9 years and have seen the corruption and I believe that Correa’s intentions are more good than bad. I believe that many things that he does for a good reason while he is working on removing corruption are turned into bad press by the opposition. The same opposition that stole from the people of Ecuador throughout history, and want to regain control and steal from them again. I think that the Wall Street Journal article you wrote about says a lot. It says to me that he is going through the licenses one by one to find out if the licenses were granted illegally through corruption and payoffs. If they were granted legally, no problem…..and if they weren’t we are going to suspend the license and you will have a chance to prove that you obtained it legally.  A year or so ago, two television stations were taken over, with the same uproar in the press. But the truth is that they were taken over because the owners of those two stations were the owners of one of the banks that went under when they took all of the depositors money and went to Miami to live happily ever after. Well, Correa went after their assets ( a first for a president to go after someone like this) and some of those assets were the two tv stations. So we need to look past what the press says as many of them are owned by this type of opposition. I see Correa in a similar boat that President Vicente Fox of Mexico was in a few years ago, when His party was elected after over 100 years of severe corruption by the ruling party and he wanted to remove that corruption. He was also fought along the way by the opposition that wanted the power back to again steal from the people. It is a very difficult job that Correa has ahead of him, and I hope that he can succeed and become possibly the best president that Ecuador has ever had.  Regards.

We’ll be providing a full report on the radio and TV position to our Ecuador Living subscribers

Emerging Markets Update

We’ll share more comments about international investments in Ecuador in upcoming messages… but let’s use our logic here to look some more at international investments in all emerging markets.

One problem many investors have when using non linear approaches to international investments is that they forget the final logical step…. which is to come back and end in the logical mode.

Thinking outside the box does not mean we should just ignore what is in the box. We want to use our logic to reflect on “in-the-box-stuff” in different ways.  If we do not know what’s in the box then we won’t know when we are out of the box.   Boxes exist for a reason.  At times the box.. assuming the box is the norm… but Soros says “is abnormal.”    We need to conclude if the box is normal or abnormal which dictates that we do examine what’s in the box.

Thinking outside the box does not mean we should abandon logic.

So I may sit down and rethink everything… or something I am doing when I see a heron… but I add that to my traditional logical thought.

This is one reason why we regularly review Michael Keppler’s major and emerging market value analysis.  Kepler is a statistical genius and guru…. very institutional… logical mathematical .

What I search for are strokes of intuition supported by such logic.

This morning for example their were three crows grazing our front yard.

Stock market investors sometimes refer to three crows as a pattern of successive declining stock prices over three days often identified by overlapping candlestick patterns. Three crows are often seen as a warning of a period of powerful selling pressure on the stock market.

This does not mean I rushed out and sold all my shares. It does mean I looked at logical data like Keppler’s value analysis to see if the logic supports the intuition.

Here is an excerpt from our last multi currency portfolios update that shows Keppler’s mathematical logic.

Emerging Markets equities recorded their highest ever quarterly return. In the second quarter 2009, the MSCI Emerging Markets Total Return Index gained 34.7 % in US dollars and 27.5 % in euros.

This brings the year-to-date total return of the global Emerging Markets benchmark to 36 % in US dollars and 34.8 % in euros.

All markets covered here were up last quarter. Hungary (+69.7 %), India (+59.8 %) and Turkey (+56.6 %) had the most impressive returns.

Peru (+11.2 %), Israel (+15.8 %) and Morocco (+19.6 %) came in at the bottom of the performance range with what would be very desirable double-digit returns under normal circumstances.

In the second quarter 2009, the Emerging Markets Top Value Model Portfolio, which invests according to the Top Value Strategy and assumes index returns for each national market included in the strategy, gained 45.5 % in US dollars and 37.7 % in euros, outperforming the benchmark by 10.8 percentage points in US dollars and by 10.2  percentage points in euros.

There were two changes in our performance ratings last quarter: Korea was downgraded to “Sell” from “Neutral” and Brazil was upgraded to “Buy” from “Sell”.

The Top Value Model Portfolio now contains the eight “buy” rated markets: Brazil, Egypt, Hungary, Poland, Russia, Taiwan, Thailand and Turkey at equal weights.

It is unusual for a market to rise all the way from sell to buy as Brazil did this quarter. This is in keeping with our thoughts on Brazil Distortion Thoughts published in  April and June.

You can see the password protected pages and full emerging markets update and a warning about these values as a Multi Currency Portfolio subscriber.

Whether you plan to have international investments, an international business or non at all, it will become increasingly  important to think outside the box as change accelerates and new social and economic paradigms are required.  Whether you use backaches, gut feel, hunches, totems or meditation and prayer… new ways to focus your logic an help you have everlasting wealth.


Combining good international investing with the greatest asset of all, the ability to earn wherever you live, brings everlasting wealth.

This is why we offer our course Tangled Web… How to Have an Internet Business.

A clear mind and healthy body are also a vital assets… plus a second language is a powerful diversification tool.

This is why I am willing to pay you $300 to attend either our Ecuador Super Thinking plus Spanish seminar in September or our North Carolina International Business & Investing seminar in October.  Sign up for either seminar and I will email you our Tangled Web… How to Have an Internet Business Course (offered at $299) free plus I’ll knock an extra dollar off your seminar fee…. to round up the $300 savings.

See details of the two seminar below.


Thomas Fischer teaching at our IBEZ seminar.

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.

Oct. 9-11 IBEZ North Carolina

Here is an email for a recent seminar delegate: Hello Gary and Merri,  I have wanted to write to tell you how much we enjoyed your IBEZ seminar, and to thank you both for inviting us all into your lovely home for lunch last Sunday.  Merri, again, thank you for taking the time to prepare foods especially for me; they were delicious, and I appreciate your effort!  Thank you for a thoroughly enjoyable, very well done, stimulating seminar.  I came away not only with all the notes provided, but also with many ideas which I plan to begin working on now that we are back home.  Wishing you all the best,

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


We take delegates on our Ecuador seminars to Otavalo markets.  Many buy enough goods to resell in North America to pay for their entire trip.  Ecuador tiles are one great product attract many international businesses.

Here are comments from one seminar delegate about the followup from our course: Thanks so much.  I have been following the advice in your Multi Currency Course/International Investing monthly and have added selected suggested funds from your lists which are available in my Fidelity IRA.  Even though my transactions are in SMALL amounts for stock and ETFs I am almost back up to the total invested amount prior to the stock market dive of last year.   Your emails have given incentive to keep diversified investments when I know other people are selling out.

Sept. 17-21 Ecuador Super Thinking + 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 Seminar
Nov. 9-10 Imbabura Real Estate Tour
Nov. 11-14 Ecuador Coastal Real Estate Tour

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

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

See the entire explanation of herons at speakerfortheanimals

Retire With Micro Income

You can retire in with micro income from an internet business.

An Ecuador Living subscriber just sent me this note.

Hey Gary, My Ecuador Living subscription has already paid for itself
with the free night in your lovely hotel in Cotacachi. Your articles
are interesting and timely and the pictures of Ecuador are lovely. That
article on how to retire in Ecuador and buying property inside an IRA
really opened my eyes. Sincerely

There are many ways to earn income when you live or retire in Ecuador.

For example you can live or retire in Ecuador with an internet business.

Michelle Toole, a student (who has become a student teacher) from our internet and self publishing course sent this note about how to earn income when you retire in Ecuador or when you move anywhere in the world.

Hi Gary,

I hope this note finds both you and Merri doing well…….attached is my article for this month.

Just to give you a quick update my web site, healthy-holistic-living.com is getting 1200-1500 visitors each day!  Yup each and every day – that is over 30,000 visitors each month! It is truly hard to believe that it all started with one visitor!  And to add to that exciting news I just started a second web site home-remedies-and-natural-cures.com!

I often ponder how all of this started from a trip to Ecuador and meeting both you and Merri!  Life is truly a great adventure….  Much Love to You Both, Michelle.

An internet business provides you with mobility to live or retire in Ecuador or anywhere you choose.

This is why we have been providing readers with a free course on how to use “Site-Build-It” to create an internet business written by our friend and student Michelle Toole.  Here is her 37th lesson.

Is Tweeting on Twitter a Trap?

Have you fallen into the social marketing trap?  How much of your time should you spend in the social networking arenas (twitter, facebook, my space etc.) trying to market your web business?  Can it pay off?  Let’s take a look at Twitter……..

What Is Twitter?

Simply put, Twitter is a free social messaging utility for staying connected in real-time.  Huh…….

The best way to understand Twitter is to picture a bunch of people conversing around a water cooler, except in this case, you can only communicate in text and you have a limit of 140 characters!

According to Wikepedia:

“Twitter (twitter.com) is a free social networking and micro-blogging service that enables its users to send and read each others’ updates, known as tweets. Tweets are text-based posts of up to 140 characters, displayed on the author’s profile page and delivered to other users – known as followers – who have subscribed to them.

Senders can restrict delivery to those in their circle of friends or, by default, allow open access.”

So how do you connect with other Tweeters? You can access other individual’s “conversations” or “tweets” through Twitter’s search tool.  You simply key in various terms of interest and then scroll through the results until you find a comment that grabs your attention. Next step? Introduce yourself and share your own thoughts.   If you like where the conversation is going, add the person to your twitter feed by hitting their ‘follow’ button and when there’s something new about that topic, you’ll know. That’s it in a nutshell…

So Can Twitter Help Build Your Web Business?

Yes and No……The key is to find time-effective ways to use Twitter for building your business. There are many strategies that can be used to build a following for your web site or blog, establish joint ventures and build your ‘brand of one’, but each needs to be weighed according to time invested and return.   If you find yourself spending 5 mind numbing hours a day ‘tweeting’ you should ban yourself from Twitter and reconsider how your time could be better spent.  Remember, we only have so many hours in a day. Prioritizing that time is critical. And it’s easy to lose lots of time at Twitter, 140 characters at a time.

Here’s a one-time strategy (perhaps repeated monthly) for Twitter that you may find effective…

Search for someone interesting and influential in your field. If you find someone, open an account, make a couple of good tweets, and follow that person. Try to strike up a personal contact and take it from there. If you’re good, it may yield something, especially if you don’t shoot for the super-stars.

Following major players in your niche and staying up-to-date can benefit in multiple ways from providing you with fresh content ideas to striking up unique joint ventures.  But keep your mind open and your time tweeting to a limit.

Twitter Tips

1.    Twitter Settings.  Use these wisely…

o    Choose username carefully, making it as close to your domain name as possible.

o    Upload a profile pic of yourself, basically a nice head-and-shoulders photo.

o    Upload a custom background image, one that is related to your site’s theme.

2.    Twitterfeed (twitterfeed.com) Use this to distribute your new pages to Twitter.

3.    Other “Feed Services” Other services (ex. Ezinearticles ) enable you to update your submissions at Twitter.

It’s All About Leveraging……. If you find that you are working or communicating only one-on-one, that’s not leverage — it’s just fancy e-mail or messaging. But if you get folks involved in your site or if you can reach out to a large player (or YOUR equivalent) in your niche that tweets and strikes a deal, THAT’s leverage.
Bottom Line?

Twittering, as with all social networking tools, is about leveraging your time as much as possible.  Keep in mind all communication can be a waste of your time and energy, it’s about leveraging your time wisely whether you are communicating via twitter or having a face-to-face conversation with a prospect.  The bottom line is, make each tweet count……

OK I have taken the plunge and joined Twitter.  You can follow me here, http://twitter.com/natureheals. Happy Tweeting!

Look for my future articles where we discuss monetization options, search engine optimization, incoming links, e-zine techniques, link exchange programs and much more…..

You can check out Michelle’s web sites at http://healthy-holistic-living.com and http://home-remedies-and-natural-cures.com.  To get more great tips, like the ones above and to see how and what tools she used to create a successful on-line business go to http://sitesell-sbi.com


How We Can Serve You

Ecuador & Banking

When living in Cotacachi, Merri and I do not use Ecuador banking. See below why banking globally is better.


This Cotacachi plaza has one of the village’s two Cathedrals and…


a bank with an ATM… plus


a new credit institution with an ATM as well.


This works just fine for us.

This is an even better idea now that the Ecuador government has created a new wealth reporting regulation. See yesterdays article on Ecuador’s new financial reporting law if you missed this.

For wealth protection we bank mainly with Jyske Global Asset Management… who look after our investments in Denmark, but comply with US regulations.

I have banked abroad for 40 years and this has become increasingly difficult… though there are still ways.

In fact I co hosted Jyske Global Asset Mangement’s (JGAM) first US seminar  last month in Naples, Florida. Here I am with Thomas Fischer of  JGAM. While other banks are dumping Americans, Jyske is working harder to enhance its global service for US investors.


Since I wrote my first book, Passport to International Profit in the 1970s, my mantra has been to have what I call a “Six Point Command Posture” which is to:

Live in one country
Bank in a second country
Invest in many countries
Earn in two or more countries
Use a company incorporated in a fifth country
Take a second residence


The seven speaker panel answered questions at the JGAM – Gary Scott seminar.

Since Merri and I reside most of the time in the US and Ecuador, we do as little banking in these countries as possible.

There are some good reasons to have the “Six Point Command Posture”.   You can see why below.  The “Six Point Command Posture” is worthwhile even though recent events remind us that this posture is regretfully more difficult to attain than before.

The British Telegraph newspaper published a recent article entitled Lloyds Bank hit by Obama tax purge.  Excerpts (a link to the entire article is at the end of this message) say:  Banking group drops American customers in UK ahead of costly proposals to stamp out tax evasion.

Lloyds Banking Group is ditching American customers based in Britain pending a crackdown on international tax evasion planned by President Barack Obama.

This week American private client account-holders at Lloyds’s received letters informing them of an “important change in policy regarding clients who are resident, domiciled or linked to the United States by property or asset holdings”. They were told the bank had “no choice” but to “cease acting as your investment manager.”

One recipient, who has lived in the UK for over 25 years, said: “After all this time, I’ve suddenly been told I must take my money elsewhere and I don’t understand why. Now I’m scared that other banks won’t take me on either.”

The proposals, which were unveiled in the President’s first budget, have been designed to clamp down on American tax evaders abroad. But bank bosses say that in practice they could be asked to take on the task of collecting American taxes at a cost and legal liability that make servicing the clients inexpedient. The rules have not yet been finalised and are still subject to debate in Congress.

The letters also contained four comprehensive descriptions of the bank’s definition of clients that are affected. These included clients that hold green cards, pay American taxes, are American domiciled or even those where there is “any indication” that a client spent more time in the US than “normal holidays currently or in the past or future.”

There has been a continual erosion of the liberty that US investors  enjoy when banking abroad.

First, the Swiss Banks started limiting what US resident investors could invest in  (in the 1970s). Then the Swiss started dropping US resident investors all together.  Many Canadian financial institutions stopped accepting US resident investors  years ago.

Now the British banks have jumped in and as the article shows… it is not just US residents.  Even US citizens who have lived in England for 25 years are losing their accounts.

Fortunately, since banking abroad is not about reducing tax,  there are still great, safe and proper ways to bank and hold assets abroad.

Merri and I use Jyske Bank and Jyske Global Asset Management because they offer an excellent global investment service that conforms to all US rules.


Lars Stouge President of JGAM speaking at the Naples seminar.

See more on this in a TV interview between Thomas Fischer and me here.

Why Bank Globally?

Some investors mistakenly think that banking abroad reduces tax.  This is not correct and has not been for decades. There are numerous good tax planning ideas, but they work as well with local investments as well as overseas.

The reason to bank abroad is that we live in a global economy.  We are dependent on production from many nations every day.  Even though we do not do so directly we spend many currencies every day.   The ultimate form of financial security is a multi currency existence.

We are multi national spenders so we need to be multi national investors.  We need bankers and investment managers who have international and multi currency experience and expertise.

An excerpt from a recent multi currency question and answer session sent to my multi currency course subscribers explains why and how in more detail:

There are numerous benefits gained by using Jyske. The first benefit is Jyske’s global investing experience, 24 hour trading facilities and their low fee structure.

Jyske Bank has incredible in depth knowledge of markets and have a very broad access to global markets.  Jyske Global Asset Managers (JGAM) not only tap into Jyske Bank for data, but they also use  Morgan Stanley and Bank Credit Analysis for research.  There is rarely an investment question that I cannot get answered at Jyske.

The low fees are also a huge benefit.  I used to hold accounts at 14 banks around the world. Finally I started researching the fees I was paying and bean eliminating the accounts that charged the highest fees.

In the end I was left with Jyske and my London stock broker.  For example Jyske’s fee to buy bonds was one-sixth that was charged by my Swiss banker.

Hidden fees and shaved interest rates, especially those charged when you in exchange currencies, and buy stocks and bonds often chew an investor to pieces.

Plus Jyske has been in the banking business for over 100 years. They have enormous experience and are very conservative.  They were not hit by the sub prime mess. They had no Madoff investments.  I like this type of old fashioned stability.

Jyske is in touch with the pulse of the market. They trade 50 billion dollars of currencies and commodities a day.

Another important aspect gained at Jyske is bank safety. Denmark is ranked as one of the safest countries in the world to bank.

In addition there is great privacy and asset protection. No one that you do not inform can see your account.  Should someone sue you and gain a judgment against you, that judgment is not automatically enforceable in Denmark.   The creditor would have to start a legal action to attain the funds in Denmark and to date this has never happened at Jyske.

Q: Can you explain what type of account the multi currency transactions would be conducted?

A: There are two types of JGAM accounts… managed and advisory.

JGAM can buy any type of investment for Americans in managed accounts… because it is JGAM is making the decision… not the client.  Depending on the size of your account, you can ask Jyske to hold a specific investment in your account and if it makes sense in terms of the execution, diversification and your risk profile, they will do this… but it must be JGAM’s decision.

The managed accounts are available in four risk profiles… low risk… medium…high or speculative.  You can learn more about Jyske’s asset allocation strategy at the JGAM site linked later in this message.

Q: I have residency in Mexico there although I do not claim foreign residency for US tax purposes at this time.

A: Your residence does not matter when it comes to managed accounts.

There is a residential impact for advisory accounts.

If your main residence is outside the US (JGAM will want to see a utility bill as proof of residence), then JGAM can buy any investment without qualification.

If you have an advisory account and your main residence is in the US, then JGAM is restricted to buying qualified (US traded) investments for you.

However you still gain the asset protection and privacy benefits as these US traded assets are held in Denmark.

Q: Do you use a foreign LLC to conduct your business with Jyske Bank?  If so what country is the LLC issued from?

I do not use an LLC for our Jyske accounts. It is much easier to open an account in person.  However our account ownership is part of a plan that takes tax, asset protection and estate planning into account.  Everyone should make their decision on what type of structure and where it is organized based on their own plan that suits their own circumstances.

I highly recommend using a Strategic Asset Snapshot offered by Cox & Nici that  looks at all these variables. Joe Cox the senior partner of this firm has been my tax attorney for about 20 years.

You can get information about their Strategic Asset Snapshot Joe at jcox@coxnici.com

Learn about our Multi Currency Course and how to get this entire session here.

Having a six point command posture has become increasingly important over the  past 40 years as we have increased our involvement in the global economy.  Yet this secure method of living, investing and doing business has also become more difficult to achieve.  The result is that this posture is even more important and more worthwhile.

US investors See Jyske Global Asset Mangement’s new website here.

Non US investors contact Reny Matys at mathys@jbpb.dk


Save up to $249! Enroll in our July 24-26 International Investing and Business Made EZ seminar here

We offer two emailed courses, one on how to be a multi currency investor, the other on how to have your own international web business.

We enhance these courses with regular international investing and business seminars that I conduct in coordination with Jyske Bank and Jyske Global Asset Management.

If you enroll in our July 24 to 26 International investing and business seminar by July 1, 2009 you can have one of these tow emailed courses free and save p to $249.

Delegates gain a lot by talking with each oter at these courses. Here are delegates at our Naples course.


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

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


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

ecuador-wine and cheese

West Jefferson Hampton Inn.

Save $249!   Enroll in our July 24-26 International Investing and Business Made EZ course here

Here is what one reader wrote about our last seminar.

Hi Gary, Just a note to express our appreciation for a great event.  The Naples Beach Hotel provided a comfortable  setting for the gathering. The hotel should be congratulated for the excellent food and service. We enjoyed all of the speakers. I particularly enjoyed John Mauldin. I have followed his writings over the years.  In  1994 we attended several of your seminars, I enrolled in the Multiple Currency Course and opened an account with Jyske Bank.  This activity has provided us with a nice retirement income over the years. With economic disruptions world wide I decided to become reacquainted  with currencies as an investment tool as a consequence of  my very dark view of the USD’s future.  Keep up the good work. My day is always brightened by your daily emails.

Save $249! Enroll in our July 24-26 International Investing and Business Made EZ course here

Read the entire Telegraph article: Lloyds Bank hit by Obama tax purge at