Tag Archive | "the Times"

Ecuador & International Banking Update


Here is an important Ecuador & international banking update created by the wonderful world of mobility in which we live.

Our global mobility provides huge benefits… broadens our horizons and enriches mankind through global trade.   Yet being global also creates some problems… one of them is banking.

This site recently posted a message about Ecuador banks that began with, “I do not trust Ecuador Banks.”

This is not a slight on Ecuador.  This statement is a comment on the realities of trying to maintain control of one’s own wealth in an era where almost all governments are increasing control over money.

The banking article was followed by  another article stressing  the importance of diversification in Ecuador Diversified.

Here is a reminder of the importance of this information.  A couple of years ago I purchased a block of buildings in Ecuador planning to resell them.  I am according to plan selling them now and recently received a payment.

My attorney wrote this to me:

They deposited funds in my account last Wednesday to pay for the condo and asked me to send to you.  There is a 2% tax on money going out of Ecuador which was recently established, plus bank commissions.  I will wait for your instructions  to wire these funds to you.

There previously was a 1% tax but it has now been increased to two percent. This increase is not a big deal but a step in the wrong direction and a reminder that we should never trust any one country, currency or banking system.

I just sent our Ecuador Living subscribers an alert about one more Ecuador banking problem.  Ecuador Living subscribers click here.

Learn how to subscribe to Ecuador Living here.

Hence my mantra 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

Where to Bank

Knowing where to bank is a growing problem… especially for Americans.  Non Americans should read this article any as you’ll see that you are not exempt from this problem either.

Americans are being crushed between a rock and a hard spot.

The Rock. Many US banks will no longer accept Americans residing overseas because they have a foreign address. This has been caused by the US Patriot Act.  Banks have to know their clients so they refuse to accept (or keep) clients with overseas addresses, even Americans who have banked with them for decades, but change their address.  The following banks have been sited as closing accounts with just 30 days notice of long term customers just because they took on a US address: Ameriprise, Bank of America; Bank of New Hampshire; Citibank; Citizens Bank; Edward Jones, St. Louis; E- Trade; Fidelity Investments; INGDirect; JPMorganChase; Morgan Stanley; National City Bank in Riverview, Michigan; Provident Bank, Maryland; Smith Barney; T. Rowe Price; USAA Federal Saving Bank; Vanguard mutual fund; Wachovia; Washington Mutual; Washington Mutual Investment, Spokane; WellsFargo; Zions Direct.

The Hard Spot. At the same time the IRS has created a set of regulations that discourage non US banks from accepting Americans.

Many Swiss and British based banks will no longer accept Americans.

Here’s an excerpt from a 13, June 2009 Telegraph article entitled “Lloyds Bank hit by Obama tax purge” by By Louise Armitstead:   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 letter sent to Bank of Scotland’s portfolio management division, which is now part of Lloyds, said: “The USA has a mature regulatory environment governed by its Securities and Exchange Commission. These regulations mean that we are not licensed to manage portfolios for US clients.”

The letter added: “Unfortunately we cannot offer an equivalent service from within Lloyds Banking Group.” Clients have been advised to transfer their assets.

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 Brits are no the only group shedding US account holders.

A July 12, 2009 USA Today article entitled “Some foreign banks drop U.S. clients because of UBS flap”  by Kevin McCoy explains how other banks have booted Americans as well.  An excerpt says: The closely watched Justice Department court fight to get the names of 52,000 suspected American tax evaders from Swiss banking giant UBS has prompted some other foreign banks to drop U.S. clients they once welcomed, tax experts said Monday.

Eager to avoid a similar struggle with federal prosecutors, banks including Credit Suisse and HSBC in recent weeks have notified American clients they must close their offshore accounts or transfer them to the institutions’ U.S.-based operations, where tax reporting requirements are far stricter.

“Overall, the international banking community, and particularly the offshore banking community, has been very friendly to American account holders,” said William Sharp, a tax law specialist at the Sharp Kemm law firm in Tampa. “That changed in the past couple of months as a result of the UBS case.”

The Dutch were early in dropping American clients.

ABN AMRO, a huge, Dutch based, international bank gave all clients  with U.S. passports within 30 days notice in 2008 and then closed their accounts because of the  high costs to comply with U.S. regulations.

Expect this problem to get worse! Beginning in 2010 stronger US reporting rules will force even more overseas banks to stop accepting Americans.  They simply cannot afford to fill all the obligations.

Americans should not feel totally alone…nor should non US investors feel totally safe from being shut out of a banking center.

According to the British Times Newspaper, Barclays Bank used the US anti-terror laws to shut down the personal bank accounts of British citizens who were working for Iranian owned businesses.

The bank enforced anti-Iran sanctions under the US Patriot Act.  Accounts of Iranian owned companies that operated completely legally in Britain were shut.  But Barclays went much further. They amazingly shut down accounts of directors of these companies and even more amazing they shut the personal accounts of ordinary staff members, including clerical officers, computer engineers and bank tellers, just because they worked for an Iranian owned company.

Here is an excerpt from a June June 6, 2008 Times of London article entitled, “Barclays bank rejects customers to comply with US terror law:”  Barclays began the account closures in February, shortly after reports from industry sources that US Treasury agents had been touring the City of London putting pressure on financial institutions to withdraw from any form of business that might have Iranian links.

One source told The Times that City banks had been warned that they would lose access to the US market if they continued to deal with Iranian businesses. Barclays has extensive business interests in the United States.

Case study: Cast out in the supermarket

Chris was doing the shopping in Tesco when Barclays rang to tell him that his bank account was being closed. Later that evening his wife was told that her Barclays account, which she had held for 25 years, was also being closed.

Chris, 46, works in IT for Bank Saderat, and his wife is in the accounts department of Melli Bank. Both institutions are Iranian-owned. “They said it was because of sanctions but I knew there were no British sanctions on the banks. I asked them if they were responding to US laws and they said they didn’t have to give me a reason,” he said.

The couple opened new accounts with one of Barclays’ rivals but they had difficulty transferring standing orders, especially Chris’s child-support payments. He said: “I know that UK banks are being pressured by America to stop all dealings with Iran but what impact will it have to shut an English bloke’s account with an English bank? The Iranians won’t give a monkey’s. What upsets me is the lack of respect Barclays have for their customers.”

This last comment hit me strongly… the lack of respect many of the big banks have for their clients.

This is one reason I have enjoyed banking with Jyske Bank in Denmark for more than 20 years.  Jyske is big and well managed enough to be very safe, but small enough to provide genuine care and attention to the individual.

This is why I was not surprised that a number of years ago, Jyske made the decision to spend a lot of time, energy and money to comply with US law so they could continue to serve US as well as non US investors around the world.

This shift though has created some confusion. For example a Reader from the Netherlands sent me this note:  Hello Gary, Since beginning of this year we are subscribed to your newsletter. In your articles we read that it is possible to go to Jyske Bank and start doing multi-currency for about 30,000 dollars. We were very enthusiastic about this philosophy and asked the Jyske Bank for information. However we were very surprised when we got information back including the message that we have to start with $150,000 euro. Can you help us and maybe clarify the misunderstanding about this starting amount?  Thank you very much in advance!

The services and minimums required by Jyske Bank Private Bank (JBPB) for non US investors differs from those offered by Jyske Global Asset Management (JGAM) who serves US investors.

Jyske Global Asset Management (JGAM) offers Americans managed accounts, advisory accounts and IRA services to US clients.

JGAM’s managed accounts provide Americans with access to international investments in all currencies, traded on all stock exchanges.

There are two levels of managed accounts for US investors:

Mutual Fund Managed Accounts, $50,000 to $200,000.  Accounts from $50-200,000 are mainly  invested in mutual funds and ETF`s in order to get the appropriate diversification.

Individual Investment Managed Accounts from $200,000 up are mainly invested in individual securities as trading costs are not prohibitive for this size of account.

There are two forms of advisory accounts for US investors.

Advisory Accounts for US Residents.  Accounts for US residents are available and provide access to investments in currencies, commodities and US listed securities.

Advisory Accounts for Americans who are resident outside the US.   US citizens who are resident outside the US (proof of residence is required) have access to investments in currencies, commodities and all international investments in all currencies, traded on all stock exchanges.

The minimum required to start an advisory account is $25,000.

Because the minimum annual fee is  $1,000 JGAM recommends an initial deposit of minimum $50,000.

IRA accounts are managed accounts with more conservative investments than those in a normal  managed account.  IRA accounts require a minimum investment of $50,000.

Jyske Bank Private Bank offers the following services to non US investors.

Non US Clients can open accounts with minimum deposit of Euro 150,000 (approximately 220,000 USD), or equivalent in another currency.

JBPB works with six profiles:

Income profile. A low-risk profile, invested in currency accounts (cash) and/or traditional bonds.

Stable profile. A low-risk profile, invested in bonds (incl. high- yielding bonds), a small equity part.

Balanced profile. A medium-risk profile, invested in equities and bonds (main emphasis on bonds).

Dynamic profile. A medium-risk profile, invested in equities and bonds (main emphasis on equities).

Growth profile. A high-risk profile, invested mainly in equities and a lesser share in bonds.

Aggressive profile. A high-risk profile, invested almost exclusively in equities.

There are six managed strategy funds (available only in Euro) for investors who want managed services with minimum deposits of US$ 220,000. These six funds are based on the principles of asset allocation and match the investment profiles above so all investors can attain risk diversification, risk management with even a limited investment.

There is a full Discretionary Portfolio Management service for investors who want managed services with US$ 350,000 and above. This service is also based on the six strategies above. Jyske Bank will invest and manage the clients portfolio in close cooperation with the Bank´s experts and their network of international partners. These strategies are offered in EUR, USD, GBP, DKK and SEK.

Investors, who do not want managed services, and have accounts of US$ 220,000 or more, can wish to engage in an active dialogue with their advisers and be very involved in the decision-making process. based on the client’s investment profile. They can invest in currency accounts in a large number of currencies, all tradeable equities and bonds, mutual funds and commodities.

Here is one huge feature I like very much about both JBPB and JGAM…  No Jyske employees in  management, advisory services or any employee receives any kind of bonus pay. This eliminates any temptation for hidden agendas to exist.  Employees have no incentive give any advice or take any action that is not in the client’s best interest.

Technology has given great mobility to our wealth. This mobility is good for the individual and the global economy… but governments do not like this as they wish to control our finances.  The tension created by this struggle between the individual and the collective has created a never ending thrust and counter thrust of regulations and adaptions to these rules.  It is harder to maintain a diversified global portfolio than it used to be… but the effort is still worthwhile.

Gary

The greatest asset of all is the ability to earn wherever you live, which 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 giving everyone who enrolls in our North Carolina or Ecuador International Business & Investing seminar in October or November our “Tangled Web… How to Have an Internet Business Course” (offered at $299) free.

Here are comments from a reader about the way we help:  Thank you for your inspiration and information outlining foreign banking and retirement.  Your comments and suggestions are welcome for planning the steps to evaluate the early stages of living abroad.

Sept. 17-21 Ecuador Super Thinking + Spanish Course

Sept. 23-24 Imbabura Real Estate Tour

Sept. 25-28 Ecuador Coastal Real Estate Tour

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

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

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

Oct. 21-24 Ecuador Import Export Tour

Oct. 25-26 Imbabura Real Estate Tour

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

Read the full articles:

Lloyds Bank hit by Obama tax purge

Some foreign banks drop U.S. clients because of UBS flap

Barclays bank rejects customers to comply with US terror law

Ecuador Nutrition


The ancients of Ecuador understood the importance of nutrition.

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Ecuador Nutrition. Ecuador healers emphasize nature and nutrition. Here a shaman places fruit for a purification ceremony.

A recent message looked at an Ecuador Health Tip.  Here is another… Ecuador shaman’s belief that one of the most important aspects of health is nutrition.

Spring is the hardest time of the year on digestion. This is the sluggish season that requires a diet most unlike eaten in the Western world… lots of light salads and greens.

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Here in the Blue Ridge of North Carolina, the local wisdom is to plant lettuce, onions, potatoes and radishes on Good Friday and the rest of the crops on Mother’s Day.  This is not bad advice. Our temperature dropped to 29 degrees F after Mother’s Day!

I cheat a bit and plant early in pots that I can move into our green house during cold snaps.  Here is our lettuce starting.

In times past, nature provided for our seasonally adjusted diet and in the spring the main supply of food available was exactly what was needed.

ecuador-nutrition

Radishes are revered in the Andes. This is the first crop available in spring… light and spicy… both elements that help stimulate digestion.  And radishes are the sacred food of the Maya…because they signify the first crop!

Today however refrigeration, regional and global trade means that most people do not alter their diet.

In spring, we need a good clean out and a light diet.  Those who do not get this risk having a sluggish digestion.

A recent article in the Times of London entitled “Diet not lack of exercise is the cause of obesity” confirms this thought.  Here is an excerpt.

A study of the US obesity “epidemic” — a precursor of world dietary trends — suggests that there has not been any significant reduction in levels of exercise in the past 30 years. It concludes that the surge in obesity is a result of excessive calories.

Last year the largest British study into obesity, backed by the Government and compiled by 250 experts, concluded that excess weight had become the norm. It predicted that by 2050, 90 per cent of today’s children will be overweight or obese — costing taxpayers an estimated £50 billion.

Health professionals and campaigners welcomed the latest findings, presented at the European Congress on Obesity in Amsterdam, as evidence of the need to focus on diet and the availability and overpromotion of highly calorific foods.

Among children the tests showed a 100 per cent match, leading researchers to conclude that changes in physical activity had had no impact on children in the US growing fatter.

He said that US children had grown on average 9lb heavier and adults were 17lb more. For the US population to return to leaner 1970s levels children would have to cut their intake by about 350 calories a day — equal to a can of fizzy drink and a small portion of fries, and adults by about 500 calories — about the same as a Big Mac burger. Alternatively children would have to walk an extra 2½ hours a day, and adults nearly two hours.

Ecuador’s shamans agree that nutrition is a key to good health. When we lived with the Taita Yatchak and his apprentices, nutrition was the key factor they focused on.

They also emphasized that good digestion was the first step to good nutrition.

Keeping calories down is vital.  Improving quality of food is important as well.  However, you can eat the best food in the world but if your digestive system is not working correctly, you’ll not absorb the nutrients.

Here are three of the steps the yatchak took to get and keep good digestion include:

#1: Only eat on an empty stomach. Leave at least four hours between meals and start easy.  Breakfast was a highly and easily digestible meal.  The usual breakfast consisted of a grain (wheat, oat, quinoa) that was ground into a very fine powder.  A boiled juice made from fruit and dried cane juice (a dissolved very rough brown sugar-In India they call it jaggery) was then added in to taste.

#2: Do not mix salt and sugar.  This combination is hard to digest. Meals are either sweet or salty. Usually the morning and evening meals are sweet. The noon meal, is the largest meal of the day and is usually salt.

#3:  Use spices to stimulate the digestive system… ginger especially.

ecuador-nutrition

The yatchak fed us plenty of quinoa… the only complete vegetable protein.

ecuador-nutrition

Plus many leafy green vegetables, berries and juices. This is blackberry syrup… used on powdered oatmeal.

Andean health principles are similar to Ayurved, India’s science of life.  This is not surprising as the root of the Andean language Quechua is Sanskrit.

A recent email from Ayurvedic physician John Douillard explains why.  In this email John wrote:

Ginger is perhaps one of the world’s finest digestive aids that won’t overheat the digestive process.

Black Pepper stimulates the flow of your own digestive enzymes.

Long Pepper helps to strengthen the digestion and break down hard to digest foods – and like ginger it won’t overheat the digestive process.

John explained about Trikatu, an Ayurvedic medicine made of long and black pepper and ginger.  Trikatu, is a base ingredient for thousands of medical remedies.  John wrote:

“What I love about Trikatu is that a patient who has poor digestion (ie. gas, bloating, heavy stomach, indigestion, constipation and abdominal pain) can restore normal and healthy digestive function and then steadily wean off it.”  (See below how to read John’s entire message).

Long pepper is a spice used mainly in the Mediterranean, and in Indian, African, and Indonesian cooking. The plant has a peppery taste similar to black pepper, though a bit hotter.

In Aryuvedic medicine, long and black pepper and ginger are used together to created trikatu, a base ingredient for thousands of medical remedies. Alone, Long pepper can also be used to help with coughs, colds, fevers, and a variety of stomach conditions.

ecuador-nutrition

One Andean purification tea (to bathe in and drink) is composed of cinnamon, start anise (above-very inexpensive in the market) and…

ecuador-nutrition

Pimiento Dulce or sweet pepper. This is called Black Cardomon in many places. Simmer all three spices together in a quart of water.  Let the concoction cool.  Drink some.  Dilute the rest in two gallons of hot water.  Ladle over the body in a bathtub. It’s cleansing and refreshing.

One way to view all of existence is as differing forms of digestion.  Everything absorbs other things and becomes something else.  That’s life… digestion.  Good digestion of reality creates a good life. Good digestion of food helps create physical health.  One way to spice up your digestion in spring is with light food, Trikatu and Ecuador’s shamanic wisdom above.

Gary

Learn more Ecuador shaman health tips on our Shamanic Mingo Tour.

June 12-14 Shamanic Mingo Tour

June 16-17 Imbabura Real Estate Tour

June 18-21 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.

Other 2009 Ecuador Courses & 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.

John Douillard’s article on Trikatu is at
www.lifespa.com/product.aspx?prod_id=309

The article “Diet not lack of exercise the cause of obesity” is at
www.timesonline.co.uk/tol/life_and_style/health/article6250968.ece

Ecuador Real Estate is a Start


Ecuador real estate savings are only a start to the benefits there.

Our Ecuador real estate tours help you see a maximum amount of Ecuador real estate for sale in the least time and most efficient way. Our staff makes these tours fun, exciting and special.

Let me introduce the men who guide you on your Ecuador real estate tours, Steve and John Papski. The fact that both are multi national is important. Steve is English, John Polish, but both lived many years in London and both have lived all over the world. Steve lived for years in the US.

Both are utterly committed to Ecuador. They have lived in Ecuador for years and have Ecuadorian families. Both are totally fluent in English and Spanish. Here you can see why in a message from Steve sent while he is in England. Steve writes:

I’m missing my Ecuador as I view it from afar and here I try to understand why.

If I havn’t posted as regularly as usual it’s because I seem to be very busy on vacation in England. In Cotacachi I’m looked after like a king by the wonderful staff at Meson de las Flores. They cook for me, wash my clothes, clean my room and generally try to take care of any and every need they can envisage I might need.

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Here is Rosita Elena looking after my son – she just does it because she likes to!

I would consider myself very special; except I know they treat every guest like this, and if there is the very occasional slip-up, as there is in any hotel, it’s not for want of effort nor desire on their part.

Ecuador-Friends
Humble and helpful – and much missed and appreciated from afar!

Here in England, even if there were such wonderfully caring and service orientated people to help with daytime chores, it really is only the Royalty who could afford to employ them anyway.

So consequently it’s come as a shock to the system to cook for three, wash, clean, and tidy the house on vacation. I love to see my family but next time I’m going on vacation in Ecuador!

England is looking gloomy this summer. Apart from the continuous grey skies, 10 sunny warm days so far this year according to my brother-in-law, all the talk is of the downturn in the economy. Nobody can bring themselves to mention “recession” but what is affecting everyone is having less disposable income. Meals out are once again becoming a treat. Foreign holidays to the Mediterranean are being ditched because of high costs and shops are suffering as people spend on only the essentials.

ecuador-trout-site
This was how the weather was last summer in Ecuador. While you can find similar scenery in Scotland you won’t often find similar weather!

Every day the British are being buffeted by bad news. Headlines such as “Armed Forces face training cuts as fuel bill rockets”, “Millions face $200 a month fuel bills” “We’ll have to work until we’re 70 – just as it was in Lloyd George’s day”, and “Private schools fall victim to credit crunch” leave no doubt that if the economy is not in recession it’s not very far away.

Walking around the mall in my hometown of Fareham, a prosperous town compared to many, I can’t really see much evidence of the down-turn, although I do see that retired people are not dressed as well as younger folks. I’m impressed by the ever increasing range of stores and products for sale. The choice is phenomenal.

But then I also notice something less tangible. I ask myself why if there is more choice here, more wealth than in Ecuador, why do so many people look miserable and down-beat in England. I think I notice it more in those who are over 40. But I’m not sure.

In the mall there are several cafes in the aisles and I notice several older folks sat by themselves drinking cups of tea. As I walk down to another café to get internet access I notice an older man hunched over on a bench, his cane resting over his legs. Ninety minutes later I return the same way and there he is – hardly moved.

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An older gentleman, still looking dapper, enjoying time with friends in the sun in Cotacachi’s main square

Perhaps it’s this. In the Times of London a recent article about the National pension quoted the 73 year old Rita Young who is struggling to live off $1,200 a month. ‘… She is angry that elderly people in one of the world’s richest countries are not treated better.

“Things are better than a hundred years ago, when only the righteous were entitled to their shilling a week. But it is a disgrace that we have got to go and beg for the pension credit to bring us up to a level still below the poverty line. Our pension does not even bring us up to the level of the lowest paid in the economy.” Mrs Young, asked what she considers to be a luxury replied “a bar of chocolate”.

Break from the Easter parade
When an ice-cream still brings a smile

Two weeks to go until I return to home in Ecuador. I’m looking forward to life in the slow lane again and now understand and empathize better when I receive emails from our guests saying “I’m missing Ecuador so much, I can’t wait to return”. Steve.

If you are in England and would like to consult with Steve send me a note at gary@garyascott.com and I’ll help yu arramge a personal or telephone consultation.

You can read the second half of Steve’s note as an Ecuador Living subscriber.

Gary

Join us in Ecuador and see for yoursel

September 17-20 Ecuador Coastal Real Estate Tour; Quito Real Estate Tour
http://www.garyascott.com/catalog/ecuador-coastal-real-estate-tour

Sept 23-27 Ecuador Spanish Course
http://www.garyascott.com/catalog/ecuador-spanish-course

Sept 28-29 Imbabura Real Estate Tour
http://www.garyascott.com/catalog/ecuador-real-estate

See discounts for attending more than one Sept. course
http://www.garyascott.com/catalog/ecuador-tours-savings

Oct 14-18 Ecuador Import Export Course
http://www.garyascott.com/catalog/ecuador-import-and-export-tour

Nov 7-9 International Investing and Business Made EZ Ecuador
http://www.garyascott.com/catalog/international-business-made-ez-ecuador

Nov 10-11 Imbabura Real Estate tour
http://www.garyascott.com/catalog/ecuador-real-estate

November 12-15, 2008 Ecuador Coastal Real Estate Tour; Quito Real Estate Tour
http://www.garyascott.com/catalog/ecuador-coastal-real-estate-tour