Tag Archive | "Thomas Fischer"

The Fourth Stock Peak – Dangerous Investing Environment


Economic conditions appear to be creating a dangerous investing environment at this time.

Bonds and cash pay very low returns now.  Currencies almost everywhere are losing purchasing power.  Gold and silver prices are falling.

The stock market has stormed up but a comparison of the Dow Jones from 1960 to 1974  and from 2000 to now is troubling.

www.stockcharts.com

1960 to 1974 Dow Chart from www.stockcharts.com

Notice four peaks representing over bought markets during a 17 year sideways bear market.

from www.stockcharts.com

2000 to now Dow chart from  www.stockcharts.com

Has the Dow reached the fourth peak ready for one more sideways bear crash?

This site has tracked the Dow’s 15 to 20 year year cycles for many years and the  patterns are eerily similar.   There are many reasons why we could now see another sharp retraction in the Dow and these charts support that thought.   In 1974 the Dow collapsed nearly 50% before the great run up that began in the 1980s.

This means we should be very cautious and think beyond the Dow.

Multi currency investing offers one way to gain added security and profit in such dangerous times.

Jyske Bank, one the Denmark’s largest banks  has recently announced a new asset management development that can help make multi currency investments.

This is our 45th year of recommending multi currency portfolios for a better retirement. During these four and a half decades we have always  recommended “do not trust any one currency or banking system”.

Now it is easier to protect your retirement savings and make them grow. There is a new way to have a protected retirement through the bank safety of Canada and Denmark.

Many countries are plagued with excess and hidden debt that no one currency can be trusted.  The continued loss of the US dollar’s purchasing power can diminish better retirement opportunities.

Photo from shtfplan.com titled  “What the Romans took nearly three centuries to accomplish, our Federal Reserve has done in less than one hundred years.”

Screen shot 2013-06-06 at 3.36.34 PM

Since the release of my first book “Passport to International Profit” written in the 1970s, I have preached and practiced being beyond any one currency system by being a One Man Multinational.

The core message in “Passport to International Profit” is to integrate your lifestyle with your investing and business, plus take advantage of what numerous countries have to offer financially.   The first basics steps in this process are:

#1: Live in one country you love.

#2: Bank in a second country that is safe and that you really enjoy.

#3: Invest in more than one strong currency.

Merri and I believe that being global is vital from an investing and business point of view and enlivening for one’s lifestyle.  With modern travel and communications technology, why not?

For the past 25 or so years the core of our multi program has been via an account at Jyske Bank… Denmark’s second largest bank.  Since 2008, our account and those of other Americans using Jyske have been managed by Jyske’s subsidiary Jyske Global Asset Management (JGAM).

A very positive evolution has now taken place.  JGAM announced the transfer of that management role to ENR Management in Montreal, Canada as of September 13, 2013.

Here is why I am delighted to see this new service.

First, before I explain why Americans gain seven benefits from this change, let me hasten to say that all managed assets will remain at Jyske Bank in Denmark… as the custodian.

Yet the transfer of the management role to Montreal brings these seven positive benefits.

Benefit #1:  Assets are now managed and regulated not only through the Securities Exchange Commission, but through two of the world’s safest banking communities in the world, Canada and Denmark.

Here are the Top Seven Safest countries to bank in based on the World Economic Forum’s Global ranking index.

World’s Soundest Bank System Rating:

1.    Canada
2.    Sweden
3.    Luxembourg
4.    Australia
5.    Denmark
6.     Netherlands
7.     Belgium

Benefit #2: Advisory clients will be able to have more control and input in their accounts and choose a larger variety of investments.

JGAM as a Danish company had to follow US and Danish securities regulations which inhibited the ability of JGAM to allow clients to select individual shares.  This rule will not inhibit as many investors when assets are managed from Canada.

Benefit #3: Minimum balances will be lower. I understand that the new minimum will be $100,000 compared to the previous minimum of $200,000.

Benefit #4: Fees on smaller accounts will be lower.  JGAM’s fee on smaller accounts was 2%. ENR will charge 1.5%

Benefit #5: The managers will be physically closer.   No matter where one lives in the USA,  Montreal is closer than Copenhagen.  Those of us on the U.S. East coast will get to visit our investment mangers without jet lag.

Benefit #6: Montreal is my favorite North American city. Though Copenhagen is one of my favorite European cities,  Montreal is also great… North American efficiency with European style.

Screen shot 2013-06-06 at 3.55.21 PM

Montreal skyline.

Benefit #7:  Great people to deal with.  Thomas Fischer will join ENR so we get to continue working with him. We get the added benefit of Eric Roseman.  I have known Eric, the head of ENR, even longer than we have worked with Jyske.   Eric is the perfect example of a student who raced ahead of his teacher.   Eric gained some of his first inspirations to be a multi currency investment manager as one of my readers in the 1980s.   He wrote to me: “You are like my Jedi Master and I’m the apprentice. Learned so much about investing from you when I first got started.

His investment management skills as an investment manager have evolved far beyond mine so I will be very pleased to have him help manage my multi currency retirement account with ENR.

Thomas Fischer will be on the ENR investment committee and available to talk with clients.

For more information contact Thomas Fischer at fischer@jgam.com

See ENR Management’s website at www.enrassetmanagement.com

Non US clients will continue dealing direct to Copenhagen with Jyske Bank Private Bank as always. Non US investors contact Henrik Bøllingtoft Henrik.boellingtoft@jbpb.dk

Wherever you live do not trust any one bank, any one country, any one currency.  A financially sound retirement depends on banking in safe countries and holding strong currencies.

Gary

Multi Currency Investment Report

Our Multi Currency Investment Report shows how to enhance safety and add profit potential.   Learn how to selecting good value and diversified investments…. in a multi currency portfolio. Study  our multi currency report “Borrow Low Deposit High”.

Order “Borrow Low Deposit High – How to Use the Multi Currency Investment Sandwich” $79.

Our business has been publishing information on multi currency investing for 45 years.

Few decisions are as important to your wealth as WHICH CURRENCIES to invest in.  This has been our area of expertise since the 1970s… and we have worked with Jyske Bank…. one of the largest currency traders in the world  for 25 years.   Recently we combined Jyske’s expertise with that of ENR Asset Management, a Canadian investment manager, so Americans can have multi currency portfolios combined with Danish banking safety.

Learn how to use this combination for extra purchasing power and investing safety in our report “Borrow Low Deposit High – How to Use the Multi Currency Investment Sandwich.”

You gain seven benefits with multi currency portfolios held in overseas banks.

#1: Protection Against the Dollar’s Loss of Purchasing Power.  In 1913 the The Federal Reserve Act created the Federal Reserve Bank to protect the purchasing power of the US dollar… which has since lost about 94% of its purchasing power.  Here is its price compared with gold since 1900.

priced in gold

Dollar chart from pricedingold.com

Some good job.

Under the auspices of the Fed, the dollar lost most of its strength plus allowed interest rates to now fall to nearly zero so capital cannot be lent for enough to keep pace with the drop in purchasing.

However many readers may have forgotten about this risk because the greenback has been strong lately… as it was after the last great recession of the 1980s.

multi-currency-chart

Chart from Grandfather Economic Report.

History suggests that almost all currencies eventually lose purchasing power but fundmentals show that the US dollar will lose purchasing power faster than numerous other currencies right now.   One way to reduce this loss is as a multi currency investor.   “Borrow Low Deposit High” shows how to have portfolios like the Canadian “ENR Global Currency Sandwich portfolio”, an equally-weighted anti-dollar portfolio including the Norwegian krone, Swedish krona, Singapore dollar, New Zealand dollar and gold bullion.

#2: Bank Safety.  The USA is no longer the safest country in the world to invest.  In fact the US is not even in the top ten countries because the United States, the United Kingdom and France have all lost their perfect credit rating score.

The remaining countries with the highest credit ratings are wealthy economies that the three main credit rating agencies, Moody’s, Fitch, and Standard & Poors all still rate AAA or Aaa.   These countries are:

1. Australia
2. Canada
3. Denmark
4. Finland
5. Germany
6. Luxembourg
7. The Netherlands
8. Norway
9. Singapore
10. Sweden

#3: Multi Currency Expertise.  Americans… nor their bankers are not used to currencies beyond the US dollar.  Europeans bankers grow up thinking in a multi currency way.  Their countries are small and surrounded by nations with other currencies.  Facilities to make multi currency spending and investing easy are normal in Europe.  For example my account at Jyske bank has 13 currency sub accounts so when shares or bonds I hold pay dividends or interest, the funds are received and kept in these currencies instead of converted to the greenback.  As you’ll see it is normal to not only invest but to borrow Japanese yen, or Swiss franc or Euro to make investments in other currencies.

Most European bankers can buy bonds and shares in multiple markets where most US banks and brokers have little or no access or experience.

#4: Forex Profits From Currency Distortions.  Here is an example of such profits.  In December 2012 we sent readers a signal that the Japanese yen was too strong and was likely to weaken in early 2o13.

In the next six months the US dollar rose 13% against the yen.

finance.yahoo  chart

Yen dollar chart at www.finance.yahoo.com

Readers who followed this call picked up a 13% forex profit.

On December 12, 2012 one USA dollar would buy 82 yen.  By July a dollar would buy 100 yen!

For over 20 years we have continually updated this report to help investors large and small learn how to spot and cash in on such currency distortions.

See below real six year examples below of how multi currency investing has doubled and even tripled profits… plus enhanced safety.

#5: Enhanced Privacy.   The multi currency report helps you learn how to legally enhance privacy.  The erosion of privacy is caused by technology and the global economy has made the erosion global.

Doctors, accountants, businessmen, political activists, and others have found themselves the targets of frivolous law suits, though they did nothing wrong, broke no laws, and harmed not a single soul.   One of the areas especially targeted by such law suits are the finances and privacy of individuals.

Over the past four decades I have watched the rights to privacy of everyone’s financial affairs slowly erode.

There are always positives that balance the negatives though.  As one loophole closes, others pop open.

Bank accounts abroad are far more private from commercial asset searches.

In addition a change in a US privacy reporting requirements now allows almost any investor to hold assets abroad… legally without reporting the fact to the IRS.

The primary document used by US government to keep track of US investments abroad is the Treasury Department Form 90-22.1.   This must be filed any year a person have an interest in, or a signing power on any foreign bank account or other types of financial accounts outside the United States.

Previously these accounts were defined as:

•    Bank accounts (checking and savings)
•    Investment accounts
•    Mutual funds
•    Retirement and pension accounts
•    Securities and other brokerage accounts
•    Debit card and prepaid credit card accounts
•    Life insurance and annuities having cash value

A new loophole has opened that allows Americans to legally hold substantial amount abroad in large safe banks without filing this form.

“Borrow Low Deposit High – How to Bank and Invest Abroad” shows how to hold even large sums in an overseas bank account with having to file a TDF 90-22.1.

#6: Gain Extra Asset Protection.  When you bank in country with a civil code legal system you gain extra asset protection.  Claims made in a common law country must be retried under civil law.  For example if a person has a judgement creditor in the USA… the judgement is not effective in Denmark.  The claim has to be retried in Denmark… a long expensive process for the creditor.  No claim from a US suit has ever been enforced against a Danish bank account.

#7:  Add Extra Investment Opportunity.  Smart investors who know how to spot value in multi currency portfolios gain an extra way to earn profits though  leverage.   We saw earlier how from December 2012 to July 2013 the US dollar rose over 13% against the yen and readers who followed this call picked up a 13% forex profit.

Order “Borrow Low Deposit High – How to Use the Multi Currency Investment Sandwich” $79.

There is a second way they could have earned.  They could have borrowed Japanese yen at a low interest rate (2.5%) and invested the borrowed yen into a Dow Jones Industrial ETF for this six month period.

In this example $100,000 was invested and used as collateral to borrow $100,000 worth of Japanese yen at 2.50%.   The rate was 82 yen per dollar so to get $100,000 8,200,000 yen was borrowed.

The $200,000 was invested in a Dow Jones Industrial ETF… a mutual fund traded on the New York Stock exchange.

The ETF rose, along with the Dow, 12.85%

The Dow as shown in this chart rose over 12% from January to July 2013.

yahoo finance chart

www.finance.yahoo chart

The loan cost per year is $2,500 (2.5% on $100,000).    The $200,000 portfolio rose $25,700 (12.85% of $200,000).  In other words the $100,000 originally invested grew $23,200 in six months.

That is the positive carry without the forex profit.  Plus there is a forex gain as well.

By July a dollar would buy 100 yen!

To pay off the 8,200,000 loan would have cost $82,000 at the rate of 100 yen per dollar adding another $18,000 of profit.

The portfolio is worth $223,200 less $82,000 loan payoff or $141,200. That translates into a total six month profit of 41.2%.

This is one of numerous examples this report shares.

Let’s look at both the up and down side of these high performing portfolios?

The report provides an extensive beginner’s guide to developing multi currency portfolios backed up by our more than two decades of experience working with Jyske Bank and its investment management subsidiaries to create and track multi currency portfolios real time.  The report data comes from dissecting and discussing the portfolio results.  Readers learned… real time, from real portfolios created by some of the best investment managers in the world as these portfolios rise or fell in the market place… in the here and now.

Jyske Bank, Denmark’s second largest bank  assisted by providing portfolio details.   Now ENR Asset Management in Canada fills this role.   Our symbiotic relationship allows me to combine my experience with both Jyske Bank’s incredible knowledge, real time capability and expertise and ENR’s management skills so readers of the “Borrow Low Deposit High Report” can learn in a most practical way from some of the greatest multi currency experts in the world.

We continually look for breakouts because economic breakouts create fortunes.

Order “Borrow Low Deposit High – How to Use the Multi Currency Investment Sandwich” $79.

One tactic we always review is our Borrow Low Deposit High Multi currency expectations.  This  strategy always contains two profitable breakouts… one in forex rates and one in positive carry.

The Multi Currency Sandwich is not a fast trading tactic.  Normally positions are looked at with a five year view and we have tracked this powerful long term strategy for more than 20 years.  Such is the power of the multi currency sandwich.

Here is our educational performance from 2006 till 2013.

We created five portfolios for educational purposes beginning in 2006.  One of the five multi currency portfolios was the Asian Emerging Multi Currency Portfolio. The portfolio started with a $100,000 investment and a $200,000 loan in Japanese yen (more on the loans in a moment).

This gave us $300,000 to invest in this portfolio.

Amount Currency Investment
75,000 Rupee Jyske Invest Indian Equity Mutual Fund
75,000 Yuan Jyske Invest Chinese Equity Mutual Fund
75,000 Yen Jyske Invest Japanese Equity Mutual Fund
75,000 Multiple Jyske Invest Emerging Market Bond Fund

Investments Total Value 300,000.00

Invested $100,000

Loan $200,000 100.00% JPY at 1.63%

Loan cost for one year $3,260.

This portfolio diversified into bonds and equities throughout Asia ..very multi currency.

Chinese yuan, Indian rupee, Japanese yen and more.

Twelve months later the portfolio was worth $417,420. Paying off the loan cost $203,260 leaving $214,160 or $114,160 (114.16% profit) on the $100,000 originally invested.

On November 1, 2006 we made the five changes mentioned above.  We dropped the Japanese equities and emerging market bond mutual funds and added an Eastern European, Far Eastern and Turkey equity mutual funds. This is how the rearranged portfolio stood.

Amount Currency Investment
75,000 Rupee Jyske Invest Indian Equity Mutual Fund
75,000 Yuan Jyske Invest Chinese Equity Mutual Fund
75,000 EUR Jyske Invest Eastern European Equities
50,000 Asian Jyske Invest Far Eastern Equities
25,000 Lira Jyske Invest Turkish Equities

Investments Total Value 300,000.00

Invested $100,000

Loan $200,000 100.00% Czech Koruna at 3.875%

Loan cost for one year $7,750.

As promised this portfolio only had five changes. We swapped the Japanese equity fund for a Eastern European equity fund and dropped the bond fund replacing it with a Far Eastern and Turkey equity fund.

May I, at this point, interject a note about ENR fund managers. They are a Canadian firm but assets and multi currency loans are at Jyske Bank.

In addition the portfolio manager, Thomas Fischer,  I have always worked with for the past ten years and who built these portfolios is moving from Jyske to ENR Management.

So how did that portfolio do?  From November 1, 2006 to October 31, 2007 the fund rose in value from $300,000 to $430,370. The loan payoff of $207,750 left a profit of $222,620 or a rise of 122.62%.

There you have it, a portfolio held at one of the world’s safest banks. With only three trades in two years the performance was 114.16% profit in one year 122.62% profit in year two.

I am sure that when looking at performance like that you are thinking “how did the other portfolios do?” Good question and your suspicions are correct…some of the other portfolios did not rise this much.

Yet believe it or not some portfolios did even better.

For example the 2007 Green Portfolio consisted of six shares and rose 266.30%!

Here is the exact performance of all five portfolios for two years.

2006 Portfolio
US Dollar Long 9.04%
US Dollar Short 10.43%
US Dollar Hedge 11.46%
Emerging Market 42.93%
Asia Emerging Market 114.16%
2007 Portfolios
Dollar Neutral 38.67%
Dollar Short 48.19%
Swiss Samba 53.32%
Asia Emerging Market 122.62%
Green 266.30%

You can imagine with performance like this attracted quite a bit of attention…and it did.  However there is more than high returns you gain with our multi currency report.

“Borrow Low Deposit High” does not recommend specific portfolios.   The portfolios in the report are educational and designed to help readers work with their own investment manager to create their own multi currency portfolio that suits their own special, individual needs.

“Borrow Low Deposit High” helps you learn how to manage your investment manager… nothing more.

This gives you triple profit potential because you’ll know how to spot strong currencies.    ENR can help you refine your thinking and execute a balanced portfolio. Jyske Bank provides a stable and safe institution who make multi currency loans and hold your assets.

“Borrow Low Deposit High” helps you learn why and when to invest in shares, how to leverage, how to create discipline and manage risk. The incredible portfolio performance above was achieved because the portfolios were leveraged using a tactic we call a multi currency sandwich.  Investors borrow low and invest in yielding or growth portfolios. The portfolios used loans in Japanese yen and Swiss francs to magnify profits in good times.

The report teaches how these loans can magnify losses in bad times as well.

For example look at the performance of the leveraged portfolios we created to study from November 2007 through September 2008.

2008 Portfolios
Infrastructure Portfolio -112%
Blue Chip Portfolio -79%
Danish Health Portfolio -92%
Asia Emerging Market -73%
Green -56%

Leverage in 2008 caused the portfolios to lose badly… in one instance the total portfolio was lost!

“Borrow Low – Deposit High” is especially useful now because we SHOULD NOT expect rising markets all the time.

You learn how to look ahead and act rather that react (when it is too late).

Trusting your fate to any one currency can destroy your purchasing power.    Every investor needs to know what to do!

The report helps learn how to look for times when to leverage and for times when to retract.  The idea is to cash in when the going is good and then withdraw.

This report has been read by tens of thousands of investors over the years.   This report, sold for decades as a survivor’s hand guide to currency turmoil for $79.

As always you are protected by our 30 day complete satisfaction or your money back guarantee.

Order “Borrow Low Deposit High – How to Use the Multi Currency Investment Sandwich” $79.

Here is what a few others from around the world have said about our services and reports on international investing.

“Gary , I am a long time subscriber in various media, and while cleaning out my files today I found some old ‘Gary A. Scotts World Reports’. In particular, the April 1988 issue provided the info that made me over a million dollars. Just wanted to say a belated ‘thank you’ and please continue the excellent work. Warm regards,”

From an Unknown Reader

“Dear Gary, I would like to give thanks to you for introducing me to Jyske Bank two years ago.

“I have been a long-time client of Merrill Lynch, but am in the process of re-evaluating my relationship with the largest brokerage company in the world. My problem is that when I compare Merrill to Jyske, Jyske outshines Merrill (or other major U.S. brokerage firms) in most categories as follows:

“1) Even though Jyske is much smaller, it has a much more global perspective which is critical in an evermore global investment environment.

“2) In order to maximize their own individual revenue, the brokers at Merrill prefer to outsource the day-to-day management of their accounts to various fund managers and hence, ‘manage the managers’. In contrast, I can call my Account Manager at Jyske and he can discuss every aspect of my account in detail with me.

“3) I attribute this difference in #2 to the fact that Jyske’s employees are not compensation driven, but instead are focused on satisfying their customers. That is why Jyske’s clients stay with the Bank on average for 12 years, which is phenomenal by Wall Street standards.

“4) Jyske’s security is far more stringent than that of Merrill’s. In addition to the standard account code and password, to pass through Jyske’s security one has to enter a Key Card number and also a randomly-generated 4-digit number from said Key Card.

“5) Having an account offshore allows me to sleep better given the anxious times we live in. Since I report the existence of the account and pay all taxes due, I am fully compliant with the law. However, such an account gives me and my family a ‘financial life boat’ should events in our own country ever get out of hand.

“As Dorothy Parker once said, ‘You can lead a horse to water, but you can’t make them THINK’. Jyske is a thinking person’s bank. My only complaint is the time zone difference since I live in California . However, since I am an early riser and my Account Manager is very responsive to my emails, this problem is very small relative to the HUGE benefits.

“Again, many thanks for introducing me to Jyske Bank. Given the ‘dumbing down’ that occurs in the popular media today, your ezine and its recommendations are ever more important. Please continue your good work to enlighten your readership.

“Warm regards,”

C.M. CALIFORNIA Businessman

“I was so overwhelmed with information I received I had to spend several days reading, sorting and filing it! I have decided to move my modest investment capital overseas.”

B.W. MONTREAL CANADA Professor

“Send me your report on safe banks lending at 7% for redeposit at 13% or more.” B.V. ADDIS ABADA ETHIOPIA Economic Commission United Nations

“A number of new and significant contacts were made. It would be extremely helpful if you could supply us with WORLD REPORTS.” I.M. TORONTO , CANADA Banker

“You are as good as your word which is rare these days. I look forward to attending one of your seminars.” C.K. GENEVA , SWITZERLAND Banker

“In spite of my marketing experience, your information really got me going!” M. C. LONDON, ENGLAND Marketing Consultant

“Thanks for the three reports. They are very interesting and should find many readers here in Japan .” M.A. Tokyo , JAPAN Computer Programmer

“I would like to say how much I enjoyed the information I received.” A.B. Providenciales TURKS & CAICOS Accountant

“First let me say how much we enjoyed the investment seminar.” W.J. SAUDI ARABIA Oil Engineer

“Once again thanks for all the great information.” G.K. PERTH , AUSTRALIA Insurance Executive

“Your letter of November 8th warned me to beware of the market just a week before the 120 point crash on November 15th!” T.G. N. CAROLINA Pilot”

Your report is guaranteed.  Satisfaction or your money back.

Order “Borrow Low Deposit High – How to Use the Multi Currency Investment Sandwich” $79.

Gary

 

Pension Protection Mathematics – Time Deceit


Pension protection mathematics are filled with deceit because of the essence of time.

Last February we began a series on pension protection and the deceits of intervention.  The first article New Program Increases Pension Risk  shared  how new regulations that began in New York City were allowing municipalities to borrow from their pension to fund their pension.  This is one of the most deceitful moves I have seen… the snake eating its tail.

 

circle

Does borrowing money from a pension to make a payment into the pension really make sense?

Now at least we can see one honest comment about pensions from a New York City official. It is an honest statement about a universal pension deceit from New York’s Mayor Michael R. Bloomberg.

He said:  “If I can give you one piece of financial advice: If somebody offers you a guaranteed 7 percent on your money for the rest of your life, you take it and just make sure the guy’s name is not Madoff.”

This quote comes from a New York Times article entitled “Public Pensions Faulted for Bets on Rosy Returns” by Mary Williams Walsh and Danny Hakim.

Here is an excerpt: Few investors are more bullish these days than public pension funds.

While Americans are typically earning less than 1 percent interest on their savings accounts and watching their 401(k) balances yo-yo along with the stock market, most public pension funds are still betting they will earn annual returns of 7 to 8 percent over the long haul, a practice that Mayor Michael R. Bloomberg recently called “indefensible.”

Now public pension funds across the country are facing a painful reckoning. Their projections look increasingly out of touch in today’s low-interest environment, and pressure is mounting to be more realistic. But lowering their investment assumptions, even slightly, means turning for more cash to local taxpayers — who pay part of the cost of public pensions through property and other taxes.

In New York, the city’s chief actuary, Robert North, has proposed lowering the assumed rate of return for the city’s five pension funds to 7 percent from 8 percent, which would be one of the sharpest reductions by a public pension fund in the United States. But that change would mean finding an additional $1.9 billion for the pension system every year, a huge amount for a city already depositing more than a tenth of its budget — $7.3 billion a year — into the funds.

But to many observers, even 7 percent is too high in today’s market conditions.

“The actuary is supposedly going to lower the assumed reinvestment rate from an absolutely hysterical, laughable 8 percent to a totally indefensible 7 or 7.5 percent,” Mr. Bloomberg said during a trip to Albany in late February. “If I can give you one piece of financial advice: If somebody offers you a guaranteed 7 percent on your money for the rest of your life, you take it and just make sure the guy’s name is not Madoff.”

In short, most pensions are relying on unrealistic projections to have enough to meet their obligations.   This is a very neat form of hidden inflation.

Seven percent may be a long term

Here are three simple facts can help you spot distortions in equity markets.

The first fact. Overall we should expect the global economy to grow at about 3%.

This first fact was confirmed by Alan Greenspan in his excellent book, “Age of Turbulence”. He wrote:

“A major aspect of human nature-the level of human intelligence-has a great deal to do with how successful we are in gaining the sustenance for survival. As I point out at the end of this book, in economies with cutting-edge technologies, people, on average, seem unable to increase their output per hour at better than 3% percent a year over a protracted period. That is apparently the maximum rate at which human innovation can move standards of living forward. We are apparently not smarter to do better.”

This gives us a baseline for how much an investment should grow.

If an economy rises faster than 3%, it is distorted. During early stages of excessive growth, investors will be attracted. Shares will rise faster.

If the economy remains robust, shares become overbought. Then watch out! A correction will come.

This leads us to the second fact which is “All investments have risk”.

Rather than wasting time trying to avoid risk…which cannot be done, investors should look at three risk elements instead.

#1: How much risk is there in any particular investment?

#2: What perceptions do the markets have of the risk?

#3: What risk premium is due?

Bank accounts and government bonds, for example, are perceived as the safest investments (especially if government guaranteed). A look at their long term history shows that they pay about 3%. So if a bank account or government bond pays less…in the long term it’s bad. If it pays more…that’s better. Yet the idea is that bank accounts will not really make money. They will just keep up with growth…at 3%.

To get real growth requires taking risk. If an investment appears to be less safe it will pay more than 3%. This is called a risk premium.
Bonds pay more than bank accounts because they are perceived to be less safe. Stocks pay more than bonds because they are perceived even riskier. Emerging market stocks pay more than major market stocks. Emerging market bonds pay more than major markets bonds.

Over the long run, bonds issued in countries and currencies perceived to be stable pay 5% to 7%.

Stocks in major countries should pay 7% to 10% annual return in the stock market as a function of global growth, long term earnings growth plus risk premium (above bank accounts and bonds).

To attain higher growth than 7% to 10% investors must either increase risk, trust luck or spot distortions.

This is good because the market is almost always wrong. Most investors always trying to avoid risk. Most investors dump their wealth into investments that are perceived to be safe. This creates excessive demand and lowers value and actually makes the perception wrong.

Knowing this helps wise investors spot deceits in the dimension of time.

Take, for example, the emerging market trend that has been created by an imbalance in labor costs around the world.

There are 6.6 billion people on this earth (give or take a few hundred million). 1 billion of these people live on a dollar a day. 2.5 billion live on two dollars a day. This means that there is a vast pool of cheap labor that can create goods at bargain prices. Mature economies are buying these goods at such an increased rate that 20% of all goods produced now cross a border, mostly from poor countries to the rich.

This means that emerging economies are growing much faster than 3%. They are catching up and this has caused major markets to slow down.

Yet emerging economies are perceived to have greater risk.

Smart investors have seen the value create by this distortion and have been cleaning up. They have been paid a huge risk premium when the risk has not been real!

The risk has been eliminated by low labor costs in poor countries and improvements in communications and transportation.

From 200o to 2010, the average annual return on emerging markets was 19.81% compared to 10% for major markets.

The Emerging Markets longest down turn was six months and the biggest drop 55%.  For major markets the longest down turn was also six months and biggest drop 53%.
So we can see that there has been no more risk in emerging markets than major markets… plus the upside has been much better.  This has now changed and you’ll see why below after looking at the third fact.

The third fact is that periods of high performance are followed by times of poor performance.

Emerging stock markets have outgrown major markets by about 7.5 times in the last seven years. Yet their economies are only growing about twice as fast.

Major markets have grown on average about 6.5% per annum for the past seven years….a little below what they should.

This has led to the point where emerging equity markets around the world correct down and major markets up a bit.

Yet in times of global panic as we have seen, all markets tend to drop. This means that at this time, major markets which may have been somewhat undervalued and should be rising are being pushed down by the drop of emerging markets (which should correct themselves).

Understanding these three facts leads us to know that a portfolio of European shares is a great bargain at this time…. but there is a special time risk.

Micheal Keppler stated in his latest major market valuation:

In my more than 30 years’ experience, I have never seen such a bad sentiment towards continental Europe. After a strong start in 2012, chances are good for a continuation of rising stock prices in general for the coming years.

If history is any guide, chances are better still for the Major Markets Top Value Model Portfolio.

This view is supported by our implicit three-to-five-year projection for the compound annual total return of the Equally-Weighted World Index, which now stands at 15.3 %, down from 17.6 % last quarter.

The upper-band estimate of 13,835 by March 31, 2016 implies a compound annual total return of 20.7 %; the lower-band value of 9,223 corresponds to a compound total return of 9.0 % p.a. Even our worst case makes equities look attractive — please see chart below, which shows the entire real-time forecasting history of Keppler Asset Management Inc. for the Equally Weighted World Index.

These numbers are based on relationships between price and value over the previous fifteen years. Given the current low levels of interest rates – real rates are negative in most places – I would like to point out that we do not have to be right with regard to the magnitude of our projections, but only directionally for investors to make money.

keppler tags:

This is why we have been recommending High Yield shares at this time.  Most are major market equities that provide income and growth potential… plus make it easy to diversify.  This is why we are weighted into Northern European and Italian banking shares shares that we feel offer extra special value and extra risk premium.

There you have it. Understanding the 3% solution and what markets have done shows a distortion. Blue chips may be oversold more than emerging shares now.

In the long term, emerging shares will rise. Poor people remain and are willing and able to make goods that others will buy. This will push their economies higher faster than in major economies. Yet for now the three percent solution shows that major markets and high quality shares are more likely to recover from the current doldrums first.

Jyske Global Asset Managers agree. Thomas Fischer recently wrote:   We had our investment committee meeting yesterday  and we decided to sell our commodity currencies and increase exposure to dividend paying stocks.

We looked at the market and asked ourselves “Where will the money go?” and we believe investing in “global Gorillas” with world wide income, good cash flows and revenues will be the place to be. Cash pays nothing, bonds are low yielding and commodities have done nothing for 9 months.

JGAM’s latest update said:  We have decided to sell our positions in Carlsberg and FLSmidth & Co and establish new positions in Vodafone Group and Nissan Motors. Additionally, we have added to some of the existing positions in defensive and/or dividend paying stocks such as Nestlé, PepsiCo Inc., Statoil and Novartis.

Global investing has proven itself to be more profitable. Why not? Modern communications and transport coupled with a vast pool of low cost labor almost guarantees this fact. Now knowing three more facts based on the 3% solution can give you an edge when it come to taking advantage of the ups and downs in this global trend.

However we have to take into account the impact of time

A look at the Dow Jones Industrial for the past 10 years shows great volatility.

equity chart

We can see this better in this long term global equity chart at www.affinity-consulting.com

equity chart

Global equity markets are quote high now and we can see the formation of a head and shoulders pattern suggesting a downturn.

Investments in the overall performance of global equity markets in 1999 made a nice profit if held until 2007.   There was a window of profit taking for about one year (2006 to 2007).

What if we have another downturn and it takes as long as it did from 1999 to 2006?

Can you or your pension wait for another eight  years before you start to take funds?

This is one reason why we are more focused on good value shares (more likely to rise sooner),  good value dividend paying shares (that can provide income so they do not have to be sold at a bad time),  good value real estate (can earn rental income) and your own micro business.

Markets will rise. Markets will fall. Global population will increase and the global economy will expand.  History suggests that these are fundamentals we can depend upon unless there is a really major disaster.  However these fundamentals only work for us when we give them enough time.  Plus global institutions have enough risk now that a downturn (if the EU divides for example) may take longer than normal.

We should not rely totally on pensions that have not adequately protected against the risk of time (assuming 8%… even 7%  growth is a sure sign they have not).   The way to be sure you have extra income and enjoy life to the fullest is to have a purpose that also creates an income.

Gary

Learn how to earn from writing

Learn how to earn conducting seminars and tours

2014 – 2015 Schedule

2014 – 2015 Schedule

Schedule 2014-2015  Seminars and Courses

Mt. Dora Photo

Delegates enjoy taking breaks at our winter courses in Mount Dora.

jefferson Landing

We conduct our summer camps at Jefferson Landing in West Jefferson North Carolina.

Join us in balmy Central Florida in the winter and the Cool Blue Ridge in summer… plus this autumn our Multi Currency Investing Course will be in Montreal, Canada.

montreal

Montreal Skyline in autumn.

Join Merri and me for all the courses and seminars that we’ll conduct to help you gain positive solutions to your economic, financial and lifestyle concerns.

Here are the courses we will conduct in 2014 and early 2015.

June 13-14-15  Super Thinking Writer’s Camp, West Jefferson, North Carolina.  ($999)  See details on the Writer’s Camp here.

July 18-19-20 Super Thinking + Spanish, West Jefferson, North Carolina.  Courses are also conducted in Canada, St. Louis and Canada.  See schedule and details of the Spanish courses here.

August 30-31-September 1 Super Thinking Writer’s Camp, West Jefferson, North Carolina. ($999)

October 10-11-12 International Investing & Business Seminar, Montreal, Quebec, Canada. ($999)   See details here.

November 14-15-16 Super Thinking Writer’s Camp, Mt. Dora, Fl. ($999)

January  16-17-18,  2015 Super Thinking + Spanish, Mt. Dora, Fl. ($899)

February 13-14-15,  2015  Super Thinking Writer’s Camp, Mt. Dora, Fl. (normally $999 for a couple).

 

 

Save Steps to Success in Difficult Times


Here are seven tips on how to fight hard times… plus a recorded interview on where to invest in 2012.

Yesterday Scotland really celebrated the New Year. This is perhaps the biggest holiday of the year and there are some good hardy Scottish traditions behind this celebration.  Cleaning the house on 31st December and clearing all your debts before “the bells” at midnight are two.

Wouldn’t the world be different if all of society actually did that?  The hard times faced now are based much on the fact that governments around the world have not been willing to clean the house each year.

“First footing” is part of the celebration as well and to ensure good luck for the house, the first foot should be male with symbolic coal, shortbread, salt, black bun and whiskey.

I hope there was one of the “First Foot” in your home.  Instead of whiskey and short bread (almost certainly not in your resolutions)… here are seven steps we all can take to prosper in hard times… or any time.

Plus there is a 38 minute interview with Thomas Fischer of Jyske Bank on  what the economy holds in 2012 and what to do in the year ahead after these seven steps .

The steps below are good for prosperity anytime.  When economies boom, we might ignore them and succeed.  If we ignore them now during a recession, it is at our peril.

#1: Look for every way you can to trim expenses.

#2: Do not be inflexible or proud. A seminar delegate told me about a friend who had risen from a zero net worth to having an Internet portfolio worth $300 million. “Then,” the delegate said, “he lost it all when the bubble burst. He went right back to where he started.”

That was not quite right. That investor did not go back to where he started. He most likely acquired bad habits when he thought he was worth $300 million! Unless he shed those habits when he went broke, it will make it harder for him to succeed again! In good times, we may think we deserve a certain way of life or that some things (luxuries for instance) are our inalienable rights. Really our only economic right is to spend a little less (maybe 90%) than we earn.

#3: Always save. No matter how tough the times always try to save at least 10% of your income. Those who do this almost never run into economic trouble.

#4: Look harder for the silver lining. There are more opportunities in bad times than good. An old British saying is “Where there is muck there is brass”. Business is solving problems and difficult times create problems. Look for ways that you (and/or your investments) can help others squeeze through tight times.

#5: Be positive. One of the greatest risks in recession is a can’t win attitude. If the economy falls drastically (say 30%), you still only have to be in the top 70% to get by. The entire history of modern humanity has been one of long term growth chopped by short term recessions. Current conditions are nothing new.

#6: Remain true to your economic plan. Use three phase investing.

Do not panic.  Stick by your investments (assuming they were made intelligently to begin). This will increase your odds of success and help you with step seven.

#7: Maintain perspective. Rethink Priorities.  Use a slowdown to rethink your grueling schedule.  Think about pursuing work that might pay less but is more meaningful. We live in the richest, most incredible era that mankind has ever known. Our poorest have more than the richest of just centuries ago. Yet this can be hard to remember when caught in the day-to-day rush of the material rat race.

Here is a 38 minute interview with Thomas Fischer of Jyske Bank on  what the economy holds in 2012 and what to do in the year ahead.

thomas-fischer

Thomas Fischer.

2012 Thomas Fischer Interveiw

Gary

Delegates of either our January or February seminars in Mt. Dora can also attend the New York seminar FREE.

Thomas Fischer and Jyske Global Asset Management will host a one day New York seminar on where to invest in 2012 with David Darst of Morgan Stanley and Peter Berizin of BCA Analysts.

This is an incredible opportunity because David Darst is managing director and chief investment strategist at Morgan Stanley, Smith Barney with responsibility for asset allocation and investment strategy. He was the founding president of the Morgan Stanley Investment Group after he joined Morgan Stanley 14 years ago from Goldman Sachs where he held senior management posts within the Equities Division and earlier, for six years as resident manager of their private bank in Zurich.  He  earned his MBA from Harvard Business School and was awarded a BA degree in Economics from Yale University.  He has lectured extensively at Wharton, Columbia, INSEAD and New York University business schools. For nine years he served as a visiting faculty member at Yale College, Yale School of Management and Harvard Business School.

Wow… what a resume.

David is an incredibly powerful speaker and a key part of  his beliefs is that the power of American innovation could create a huge positive economic recovery and this offered excellent investing opportunity.

gary-scott-photo

Gary Scott and Peter Berezin.

Peter Berezin is the managing editor, of Bank Credit Analyst (BCA).  BCA Research is one of the world’s leading independent providers of global investment research. Since 1949, the firm has provided its clients with leading-edge analysis and forecasts of the major financial markets, with clear and focused recommendations for investment strategy backed by time-tested proprietary indicators. BCA Research provides its services to investors in more than 90 countries through a range of products, consulting and conferences.

Peter joined BCA Research in 2010, as managing editor and member of the BCA research team. Previously for three years he was Vice President and Senior Global Economist with Goldman Sachs in New York.  Prior to joining Goldman Sachs, Peter spent 7 years with the International Monetary Fund. He has a Ph. D in Economics from the University of Toronto, a Master of Science (Economics) from the London School of Economics and a Bachelor of Arts (Economics) from McMaster University. He has extensive experience in analyzing global economic and financial market trends.

Thomas Fischer will lead this seminar and will bring what he learns and share with us at the February International Investing and Business seminar.

However if you enroll in either of our January or February seminars you can meet these speakers in New York this January FREE.

This is an important time to have timely advice from such experienced speakers because the current tough economic times increases opportunity, IF, finances survive!

Join us in January Super Thinking + Spanish course in Mt. Dora, Florida, January 12-15, 2012.

or join us with Thomas Fischer in February for International Investing & Business Made EZ,  Mt. Dora, Florida February 10-12, 2012.

Gary

Better still become an International Club member and attend both these and five other seminars or more FREE.

Belong to the International Club

Belong to the International Club

 

We have added new courses for our 2014- 2015 schedule Super Thinking + Spanish  July 18, 19, 20 and a Global Investing seminar in Montreal October 10, 11, 12.

International Club members can attend our seminars and course free.

Join Merri and me all year long and share ideas for better natural health… greater wealth…. as you serve the community and enjoy personal fulfillment.   Learn how to enhance positive purpose…. enthusiasm… fulfillment… as you gain extra income, profits and fun.

I invite you to join the International Club for 2014 and winter of 2105.

Join us this summer in the Cool Blue Ridge in summer… plus Montreal and Mount Dora next winter.

Back Street West Jefferson

West Jefferson Farmers market.

As a club member you save on seminars, courses, online courses plus Spanish lessons and Ecuador tours.

Join Merri and me for all the courses and seminars that we’ll conduct in 2014 and 2015 FREE.   Gain positive solutions to your economic, financial and lifestyle concerns..

Here are the courses you can attend at no cost. (New seminars added are in bold).

June 13-14-15  Super Thinking Writer’s Camp, West Jefferson, North Carolina.  (Normally $999.  Free for club members)

July 18-19-20 Super Thinking + Spanish, West Jefferson, North Carolina. (Normally $899.  Free for club members)

August 30-31-September 1 Super Thinking Writer’s Camp, West Jefferson, North Carolina. (Normally $999.  Free for club members)

October 10-11-12 International Investing & Business Seminar, Montreal, Quebec, Canada. (Normally $999.  Free for club members)

November 14-15-16 Super Thinking Writer’s Camp, Mt. Dora, Fl. (Normally $999.  Free for club members)

January  16-17-18 Super Thinking + Spanish, Mt. Dora, Fl. (Normally $999.  Free for club members)

February 13-14-15 2015  Super Thinking Writer’s Camp, Mt. Dora, Fl. (Normally $999.  Free for club members)

Save $2,796 plus much more.  Even if you attend only two seminars you save.

Learn Spanish.

Members can attend the Super Thinking + Spanish course that Merri and I teach free.

We conduct most of our courses and seminars in the peace and quiet of Smalltown USA.

Back Street West Jefferson

West Jefferson July Festival.  Summer courses are held in West Jefferson North Carolina

mt-dora-images tags:"2012-4-20"

February Mount Dora Arts Festival.  Lake County (Mount Dora and Eustis Florida) is the site of our 2014-15 winter courses.

There are many benefits of membership.

Most members join us for at least three courses… one investing and business, one writers camp and one Spanish course.  That alone creates a $1,198 savings. Some members attend every course plus more.

You (and a guest of your choice) can attend all of the seminars shown above in the year ahead FREE.

montreal

Join us for the leaf change and an international investing seminar in Montreal.

quebec city

After Montreal we’ll ride Canadian Pacific Rail to Quebec City and spend the night at the Chateau Frontenac where we’ll talk about global economics, self publishing, super thinking or whatever.

As a club member you also receive seven online reports, courses and workshops FREE.

The first of these seven online courses is “Tangled Web – How to Have an Internet Business,” normally sold at $299.

The second is our online course “Self Fulfilled – How to be a Self Publisher”, which has a $299 value. I am sending you this extra course free as I think it will help you have greater success. This is an extra $299 savings.

The third is our online course “International Business Made EZ” sold at $299.

You also receive fourth the 50 minute video by our webmaster David Cross on “How to Get Your Web Business Started”.

Your fifth course is the 50+ lesson course “How to Create your Own Website Using Sitesell” by Michelle Toole. (We are proud that this course was written by a student of our courses showing how well the 43 years of knowledge that Merri and I have accumulated and put into these programs can help you start your own global micro business.)

Sixth, you become a beta member in our newest online course “Event – Full Business – How to have a Seminar and Tour Business” currently offered at $175.

When you enroll, we’ll send you a password that makes the online courses easy to access at the Club website.  You can reserve as many seminars as you desire.

Five Positive Steps

Join Merri and me as we look at positive ways to prosper during 2014 and 2014.  Here are five ways to gain from the forces of change.

#1: Having your own micro business for extra earnings, freedom, fulfillment and fun.

#2: Living and prospering in lower cost countries or small towns.

#3: Multi currency investing through US brokers and bankers abroad.

#4: Commodities that rise with inflation.

#5: Good value real estate…. especially multi dimensional and agricultural property.

We have specialized for over four decades in helping our readers excel in these five inflation beating opportunities.

The big benefits of belonging to the International Club are the power of repetition, updates and international friendships.  As a club member, you become friends with other members as you meet again and again.

Your first saving is on waived seminar fees for the seminars over the next year.

As you will see above and below you can attend Florida & North Carolina seminars.  If you attend just two of these seminars, the $1,799 membership fee will have already created a savings for you.

Yet there is more.  Much more.

ashe-county

International Club members meeting in West Jefferson for a reception after the North Carolina seminar.

Make the Years Ahead Your Best Years Ever

The International Club brings together experienced, like minded souls, who take a positive view and think outside the box… in constructive, thoughtful, doable ways.

Being in the club surrounds you with successful… positive… like minded souls.  This benefit alone is truly powerful stuff!

The courses you can attend free integrate Super Thinking with business and investing ideas and experience that enhance your health and wealth.

Focus on Ecuador & Smalltown USA & Canada

Learn how to create a BIG INCOME by thinking SMALL.   At the seminars you meet speakers who are attorneys and real estate experts for both Ecuador and small town USA.   You’ll rub shoulders with experts on global investing and pensions who can help you increase and protect your savings and pensions also how to increase the income you earn in positive ways you enjoy as you help your community.

Absorb  through  Osmosis

Merri and I are in our 45th year of organizing courses, seminars and newsletters about international and Super Thinking  lifestyles. The importance of this sharing… by like minded souls… was reinforced when a delegate from a course sent an email that said:

My Dearest Merri and Gary, Thank you for your most gracious hospitality last weekend. I am just thrilled at being a part of your group. You and Gary were exactly as I imagined you to be, warm friendly, kind, considerate, genuine, helpful, fun, sincere, what else can I say……I felt so comfortable in your presence and learned so much in your course. I was sad to leave the farm that Sunday afternoon. You made us all feel so welcome and cared about. You were so kind to make arrangements for a ride with the other delegates from the Charlotte Airport. They were so nice to me and so helpful, by the time the weekend was over I felt like they were my long lost brothers. Monday morning we all had breakfast at the airport together and I was so sad to see them go, I was sad the weekend was over, perhaps sad is not the right word for how I was feeling perhaps Gratitude is a better way to describe it. Grateful for having the opportunity to share the weekend with such wonderful, like minded Human Beings, in the beautiful mountains of North Carolina. Thank you Merri and Gary.  Thanks to you I now have new hope and a new direction to move forward in my life.  I know by attending your classes and conferences that through education and due diligence I will make the right choices.

This delegate’s comments about “belonging and feeling like a brother” to the other delegates is a wonderful refrain we have heard from our readers, year after year.

24 years ago Merri and I created a way that readers can join us to be immersed in a year-long learning program through our International Club.

The ideas behind this program began all those years ago in Vienna, Austria while we were conducting a course there.  One of our older delegates, had some sort of attack. The first fear was heart trouble. Several delegates took him to the hospital.  Others stayed with him there. I don’t think that delegate was alone for a minute!

What impressed Merri and me was that no one asked the delegates to help this man.

The friendships of delegates sharing many courses had just grown so strong that it was a natural reaction, just as if a family member was ill. Fortunately, it was only travel fatigue and the delegate didn’t miss a session of the course!

When you join our International Club you become part of a special family. The very first member to join the club all those years ago wrote, Thank you for the enjoyable and informative courses. I am pleased to be part of your international family and look forward to continuing my education at the next course.

His feeling struck a familiar chord. It has always been one of my greatest satisfactions to see how much fun delegates have getting together, sharing information and making friendships as we learn how to improve our health and increase our wealth.

The courses draw like-minded souls.  For this reason some delegates come back again and again. They come to learn, but also to be with their many friends made at the courses. When like-minded souls get together again and again to discuss a common purpose, magic happens! I can’t explain it in any other way-but it is true.

In a way our meetings are almost like family reunions. Perhaps it is getting together and reflecting on what has been said and what has been happening.

Learning with those who are also interested in the world creates thoughts that multiply the value of what we gain.  This is hard to describe but results are most powerful and wonderful!  This is to me is as important as the great financial benefit of attending many of our courses.

Another savings: Lifestyle for Two.

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.)

The International Club fee of $1,799 is less than the price of two seminars.

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 and tours.

Let’s prosper in these times of change. Won’t you join us in this exciting club and share Merri’s and my lifestyle for the next year? Join us at our farms and visit Ecuador. 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

You and a guest can attend all of our seminars, courses online courses plus $1,246 of online value.  Club membership is $1,799.   If you attend only two courses or seminars the $1,799 is less than the price of two seminars… plus you receive all of the online courses and updates.

ONE MORE BENEFIT.  Most years we add another course or seminar or two more than we planned.  If we do, you can attend these free as well.

Become an International Club  Member $1,799.

Back Street West Jefferson

Bluegrass music performed FREE on summer nights in West Jefferson.

Save even if you attend only two seminars you save.

Yes, I want to become an International Club Member. 

Annual membership $1,799. Click  here.

mt-dora-images tags:"2012-4-20"

Mount Dora Florida.

 

 

 

 

Crucita Beach Condo & Global Investing Questions


Here is a Crucita, Ecuador beach front condo for sale.

See how to have your international investment questions answered by phone below.

First, see this Crucita beach condo for sale. Finding value is really important today and real estate value on Ecuador’s coast is special… especially from Manta north.

From Manta to Bahia de Caraquez Ecuador, there are two good beach areas to see.  Crucita is the first.

Sign up for a FREE Bahia report at the end of this message.

Here is Crucita.

Ecuador-Beach-crucita-long view-

This wonderful beach runs all the way to San Clemente (where we have our penthouse).  The point in the far distance is San Clemente.

From Crucita, there are many miles of empty beach walking. At low tide, you can walk round the point and then walk even more miles all the way to Bahia.

Back to Crucita. Many of our readers live here. We helped many buy lots for these houses about 15 years ago.

Ecuador-Beach-crucita-view-house

There is a wonderful restaurant with a view and…

Ecuador-Beach-crucita-restaurant

para sailing.

Ecuador-Beach-crucita-parasail-

Down the hill in the village, there are some very nice condos on the beach.  This one is for sale.  This is a resale from a reader who purchased on a real estate tour years ago.

Ecuador-Beach-Crucita-condo-

Beach views from this condos are nice.

From the front room.

Ecuador-Beach-crucita-condo-interior

Sea View from the living room and…

crucita-condos-for-sale

roof garden looking…

crucita-condos-for-sale

north and …

crucita-condos-for-sale

south toward Manta.

crucita-condos-for-sale

This is a smart looking unit purchased by a real estate tour delegate who is recovering from a major medical treatment. I thought this was one of the nicest condos I have seen inside.

Ecuador-Beach-crucita-kitchen-

Kitchen

This is next to a good neighborhood surrounded by large Ecuador beach houses.

Ecuador-Beach-houses

From this point of the beach you can walk on the beach for hours.

Ecuador-Broad-Beach-

Enjoy the sun, salt, sea and wild life.

Ecuador-Beach-Birds-

This is a 2 bedroom, 2 bathroom unit with, a jacuzzi…

crucita condo

and a roof terrace.

crucita condo

The living area is 98.50 square meters (1,060 square feet) and with the balcony totals 155.25 square meters. (1671 square feet). It is the top unit in a 3 unit building.

crucita condo for sale

Living room.

The use of adjacent gated amenities of a tennis court and a swimming pool are available for a monthly fee of $30.00.  (This fee is optional.)

There are not and cannot be any structures between this Ecuador beach condo and the ocean.

Asking price $79,000.

For more details contact the owner: Tetiana Samoilova, 621 Nehalem Ln, La Conner, WA, 98257.  Telephone 360-770-2285 or email ellakievred@yahoo.com

Gary

Many readers have global investing questions that we are planning to answer for you over the phone.

We are adding to our Global Personal Portfolio service a telephone service.

Here is how it works.

You email me your questions.  We will review them with Thomas Fischer at Jyske Global Asset Management and then answer them in a telephone call.

We’ll send you the recorded call at the end of the month. The first call will be sent to you June 30, 2011.

I need your phone calls before June 20, 2011.

Who is eligible to ask and to listen in to the call?

This service is free for all subscribers to our annual Multi Currrency Service.

Not a Multi Currency subscriber?  Learn how to enroll here.

Non Multi Currency subscribers can enroll to have their questions answered for a one time charge of $9.99.

Order here $9.99.

Thomas Fischer is Senior Vice President of Jyske Global Asset Management.

thomas-fischer-jyske

Thomas Fisher & Gary Scott at the Jyske Global Asset Management conference, Naples, Florida.

Thomas began his banking career in 1975. In 1978  he started in the trading room as a Foreign Exchange dealer, and spent the next 22 years on the telephone trading currencies. During this trading career he spent 2 years in London and 10 years in Germany where he was head of the international currency section of a major German brokerage company.

During his time in Germany he successfully completed an MBA focusing on the external environment and corporate finance.  In 2000 he joined Jyske Bank Private Banking and was promoted to Manager of International Client Relations in 2001.

In 2008 Thomas joined the newly established Portfolio Management Company Jyske Global Asset Management (JGAM), as a Senior Vice President.  He is  a member of JGAM’s Investment Committee focusing on our Foreign Exchange strategy.  He travels the world giving presentations about the markets and the investment opportunities.

bank-privacy

Better still meet Thomas Fischer this June 24 to 26, 2011 in person at our International Investing seminar.

International Investing & Business Seminar


International Investing & Business Made EZ
West Jefferson , North Carolina,  June 24- 16  2011

Friday, June 24:

9:00    1000 Year Economic Review’  Power of Diversified Portfolios.
10:30  Coffee Break.
11:00 Where to Invest Now? How to Cash in on the Multi Currency Evolution.
12:00  Lunch
2:00  High Value Shares.
3:00    Coffee break
3:30    Commodities Gold & Silver.
4:30:    Risk On or Off and Trading Down.  Model Portfolio Reviews… small to large.
5:00     End of Session

Saturday, June 25:

9:00 Specific Shares Now.
9:30 Cash in Currencies
10:30 Coffee Break
11:00 Water Energy & Real Estate.
12:00  Lunch
2:00  Quantum Wealth. Multi-Dimensional Ideas for Health & Wealth.
3:00  Natural Physics of Health & Wealth.
3:30 Coffee
4:00 The Ultimate Asset. Your Own International Micro Business.
5:00 End of Session

6:30 Wine & Cheese Reception at Ndew River Winery hosted by
Thomas Fischer, Jyske Global Asset Management.

Sunday, June  26:

9:00    How to Monetize Your Micro Business.
10:30  Coffee break
11:00 Seven Ps for Global at Home Business
12:00 Lunch
2:00  How to Have an Import-Export Business Anywhere.
3:00  Coffee Break.
4:00  Question & Answers

5:00 End of Seminar

 

Happy Oops… New Year


Here’s one way to get a good start in the new year.  Let my 2009 error make you a hero in 2010.

Sometimes… no matter how much experience… there are ways to screw up…  as I recently did.

See below how this mistake can not only bring extra cheer to you in 2010… but can help you gain wealth… better health… asset protection and make you a hero (or heroine as the case may be) as well.  Plus save you some cash as well!

First let me share how rosy our holiday has been… filled with Ecuador roses.   (Roses like this will be part of your heroship because in a minute you’ll see how to get an Ecuador rose bouquet absolutely free…. exactly at the most important time.)

We received 100 roses… we had ordered 50 and a kind reader sent us 50 more. Thank you Barry!  After sharing, we still had a number of wonderful bouquets around the house.

Some have become wilted by now.

Though they are not so great on the stems… they still look good on…

ecuador-roses

off the stalks on…

ecuador-roses

our dining room table.

The pinks really held up and remain in our kitchen.

ecuador-roses

These roses lasted nine days because we care for them. Instructions are included when you get Ecuador roses.

Other good ones have regrouped into a New Year’s bouquet standing in our living room.

ecuador-roses

Readers loved their Ecuador roses as well.

One wrote:  Just wanted to send a note about the roses. They are breathtaking. We cannot believe just how beautiful they are. Arrival was exactly on schedule, again they are perfect. We got them for our own house, which is an Assisted Living Facility for the Developmentally Disabled, six men with mental challenges live here with us. But the roses are so lovely we are allowing them to take some to their families. We want to thank you and yours for sharing with us such a lovely gift.  Makes us want to move even more.   You will definitely be getting more orders in the future from us AND our friends.

Now let me confess… my screw up.  Then we’ll share two great benefits (an Ecuador rose gift and more) that this error can bring to you.

Merri and I have been conducting seminars for over 30 years.

In that time we have learned many lessons.  For example…  one important lesson is… do not conduct a seminar anywhere near Christmas, Easter or Valentine’s Day.

So what did I do for 2010?

Before I admit everything, please let me mitigate this screw up by saying that scheduling these events is not the easiest task in the world.

One has to take into account US holidays, Canadian holidays…. Ecuadorian holidays… religious holidays of all sorts… what one’s competitors are doing, what our friends at Jyske Bank are doing plus in 2010 we have a Cotswold wedding to factor in  (our youngest daughter is to be married… yea!) as well.

Plus our business has really boomed.   By last October, when we normally schedule our seminars for the year ahead…  I was already being bombarded with requests for a 2010 schedule.

What more can I say.  I simply goofed under pressure and set up our first ever expanded Quantum Wealth International Business & Investing seminar for Feb. 11-14  in Mt. Dora, Florida.

In other words this course’s schedule is not near… not close… but right on Valentine’s Day.  I shudder!

Plus once our schedule is set and reservations come in…the dates are pretty well set in stone.  In the last 30 years or so I have missed a seminar only twice… once when my dad died and once last year when my mother had a serious illness. (She has recovered really nicely thank you very much).

If Merri, our kids and my mom (plus me of course) are breathing and are likely to continue to do so for a week… then our seminars are conducted!

So I realized: “I had to turn lemons into lemonade.”

I had to create a Valentine’s celebration as part of our February seminar.

I have done this in three ways so here is what I am going to do for you…. to make you a Valentine’s hero!

If you attend our course this February 11 to 14  and bring your partner! I’ll give you a bouquet of beautiful Ecuador roses to enjoy at the seminar.  If your spouse does not come, you can take the roses home… The course ends about noon so you can get back home on Valentine’s Day, and with some of the nicest roses you can imagine, to say “Happy Valentine’s Day”!

You’ll be a Valentine’s hero!

Yet there are two more great Valentine’s treats in the works… that will make you a Hero with a capital H.   We’ll see these other benefits in a moment.

First, let me describe the benefits (beyond being a Valentine HERO) of attending the seminar.

The seminar begins in Mt. Dora (about an hour from Orlando airport) Thursday February 11 with “Quantum Wealth” a one day workshop conducted before our regular Florida International Investing & Business Made EZ seminar.

This workshop helps you learn how to attain wealth continuously, effortlessly, in a fulfilling, enjoyable and positive way.  This workshop will help you stop worrying about money, bad governments, the falling dollar… inflation and all the future other horribles. Quantum Wealth reduces stress… improves health and helps income to flow from doing what you love.

We have been incorporating the ideas of Quantum Health and Quantum Wealth into our courses and seminars for decades… but our  February 2010 Florida schedule made it possible to devote an entire day to this portion of the course.

International-Investments

Delegates enjoy coming to our home during the “Quantum Wealth – International Business & Investing Seminars” Here is a group at our North Carolina home.

The foundation of Quantum Wealth is to integrate:

* Logic with intuition.  The benefit is increased prosperity from better adaptation to change.

* Desire with action.  The benefit is more enjoyment and fulfillment from life.

* Good health with everlasting wealth. The benefit is reduction of stress, more energy and feeling better.

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Join us here, this February at…

emp-terrorst-attack

our new Florida home…where we will enjoy a Valentine’s Day celebration.

Bringing delegates to our home for a home cooked meal is an example of a quantum wealth benefit.

This is fun.

Yet there is more.  This process helps delegates hear, see and feel the authentic reality of the ideas we share.  We do not spout ivory tower, unattainable theory.  Our seminars share what we do… how we live… and how we have developed our lifestyle. Our mission is to help you see what we do, so you can blend our lessons into a lifestyle that is better… happier… richer…easier for you.

I have never heard of other seminars offering this… an integration of what we speak about with our actual “at home” lifestyle.

Here are the 21 main points we cover in our one day Quantum Wealth Workshop.

#1: Quantum mechanics & frequency how they all connect.

#2: Three aspects of being – air – fire – water… how to balance and integrate them.

#3: Three ways to integrate brain waves and be in the zone… 60 cycle sound… L- theanine and meditation.

#4: The Andean – Indian Connection. How Ayurved and Andean relate.  Three fundamentals of longevity. Eat right, work hard and sleep well. Nutrition, exercise and purpose.

#5: How dis-ease develops and is stopped.

#6: Nutritional goals: Improve digestion, avoid dis-ease here first.

#7: How to use cleansings. Melon, pineapple, apples-grapes, vareshna, chelating, cinnamon-sweet pepper tea, steam and mists.

#8: Teas. How and when to use cedron, chamomile, lemon verbena, peppermint.

#9: Relaxers. How to use chamomile, valerian, lettuce and milk, hot water, vata press.

#10: Fire reducers. How to use peppermint tea, aloe, cream massage, frozen grapes.

#11: Water reducers. How to use cinnamon tea, paprika, cloves, ginger, ginger-black salt and lemon juice.

#12: The power of ritual & routine. When to eat, think, exercise.

#13: How to spot imbalances. Moods, physical signs. pulse testing.

#14: Quantum leap. How energy, colors, organs, glands work together and change every seven years.

#15: Shamanic exercises-yoga, llama walk, lizard, sun salute, crab and mouth release, ring chew, etc.

#16: Deeper Digestion.

#17: How to use the senses, taste, six flavors.

#18: How to use color.

#19: How to use sound.

#2o: How to use essential oils.

#21:  How to gain Super Thinking abilities, increased intelligence and super thinking into our Super Thinking + Spanish for many years but now have added this to our international investing and business seminars to create quantum wealth.

There are at least three simple ways to turn on this super thinking ability:  meditation, listening to 60 cycle music and taking Theanine.
These three steps integrate four categories of brainwaves, ranging from beta waves, the fastest of the four different brainwaves to alpha, theta and the final brainwave state, delta. Delta brainwaves are of the greatest amplitude and slowest frequency.  Deep dreamless sleep takes you down to the lowest frequency.

When we allow these waves to interconnect freely we gain unimaginable intellect.

Merri and I meditate twice every day to tap into this energy.

Plus we listen to 60 beat ten cycle classical music as we work. You could count the number of times we have missed our meditation routine in the last 20 years on one hand. This helps us enormously.

This type of music, along with deep breathing exercises for relaxation moves the mind into Alpha and deeper states as well.

Health benefits are gained as blood pressure can drop, heart rates slow and the mind becomes calmed… and you become smarter.  You tap into your higher intelligence and are more likely to have… and  enjoy… success.

A third avenue that helps enhance intelligence is Theanine (chemical name: r-glutamylethylamide) one of the chemicals found in green tea. Theanine is used to reduce stress and anxiety without the tranquilizing effects found in many other calming agents. Scientific evidence shows that Theanine stimulates the brain’s production of alpha waves, making the user feel relaxed but alert and not drowsy. It also helps the body produce other calming amino acids, such as dopamine, GABA, and tryptophan. As might be expected from a calming supplement, Theanine may be able to lower elevated blood pressure as well.

Our Quantum Wealth workshop looks at how to use super thinking to tap into deeper intelligence and what to do with this intelligence in business, investing and life so you improve the way you absorb, retain, recall information and think forever. The one day Quantum Wealth workshop prepares you to gain more from the international investing segment of the course that starts Friday February 12 when I join Thomas Fischer of Jyske Global Asset Management and our webmaster to review where to invest in 2010.

international-investment-seminar

Here is Thomas speaking at a previous seminar.

Quantum wealth shares our lifestyle.  International Business & Investing shares  how we create income through service and invest globally… plus shares our most valuable contacts and sources of knowledge.

Inflation makes it increasingly hard for almost everyone to keep up with the faster and faster pace of the rat race that captures most of the world…especially in economic downturns we have experienced for the past two years.

International investments and international business unlocks the restrictions of the rat race.

Economic stress grows…debt…rising cost of insurance, increased liability…inflation lurk everywhere. More crowded…more change…more push.  The falling dollar and economic hard times are shredding purchasing power.

This leave us few choices.

We can join the rat race or…find enjoyable ways to invest and earn.

The second day of the seminar (Friday Feb 12) looks first at multi currency investing.  Multi currency portfolios are usually slow moving, safe, conservative investments but they can be really profitable as well.

How safe?

The portfolios we create and review at our courses are composed of mutual funds and shares and are developed with the help of one of the world’s safest banks. The mutual funds and shares are held at that bank at all times.

Suppose we get specific.

That safe bank is Jyske Bank…well established with a history of over 100 years. Jyske is Denmark ’s second largest bank, with 450,000 clients in Denmark and over 30,000 abroad.

Jyske Bank has over 23 billion euros in assets and also happens to be one of the leading currency traders in the world. The Danes have always been big currency traders because as a small naval country surrounded by England , Sweden , Finland , Russia , Germany , Norway and other countries…they have always had to deal in many currencies.

This historically gained expertise means that unlike most banks (that trade only eight hours a day) Jyske maintains a 24 hour global currency and commodity dealer service. Many other large banks use Jyske to handle their off hour currency positions. This means that Jyske is huge when it comes to multi currency activity. In fact their turnover reaches $50 billion dollars a day.

That’s safe.

Each course reviews global economics and updates ways to adapt and prosper in current conditions.

This portion of the course reviews what I am doing as multi currency investor myself.  For example during the 2008 downturn the recent Global Portfolio Currency Breakdown of my own personal portfolio looked like this.

Ecuador Real Estate 12.0%
Real Estate  31.0%
Euro 10.5%
Emerging market Currencies 10.0%
Danish kroner 9.9%
US$ 8.2%
British pound 6.0%
Swedish kroner 4.0%
NZ$ 3.7%
Australian $ 1.0%
Canadian $ 1.0%

By late 2009 that portfolio had shifted to

US $ Real Estate 50%
Non US Equities   3%
Emerging Bonds 11%
Bonds                   26%
Ecuador Real Estate  (for sale) 15%
US$ Short             -5%

my liquid portfolio was diversified in these currencies:

US$  -5.0%
CAD  7.0%
NZD  7.0%
AUD   7.0%
$ Bloc   16.0%

GBP   8.0%
DKK  10.0%
SEK   4.0%
EURO 39.0%
Euro bloc 61.0%

TRY 6.0%
HUF 7.0%
BRL 6.0%
EMCS 6.0%
Emg Curr  25.0%

Now I have made another big shift in my portfolio. At the seminar you’ll see my updated portfolio and why I have made these changes.

Most teachers do not actually share their own personal portfolios…  Just as Merri and I share our home and lifestyle, we share how we invest and explain why our portfolio is designed for our circumstances at any one time.

This provides you with two benefits. First, sharing why we adjust our investments helps you understand how to adjust yours.

Second, and most important, we invest real time. The data shared in our courses is about global investments you can make in the here and now. What you learn is not dated theory, but up to the minute fact! Many delegates come to course after course to update their portfolios.

We share our most valuable sources of information as well.

For example, Thomas Fischer Senior VP of Jyske’s Global Asset Management group will join us from Copenhagen to speak about where to place your current international investment allocation… along with four others… six of our friends and most valued sources if data… will be on hand to help you.

My personal investment adviser Anders Nielsen, also with Jyske, will be on hand to speak privately and answer any of your personal questions.  Our friend and tax attorney of more than 20 years, Joe Cox will share information at the seminar as well.

multi-currency-debt

Here I am with Anders at a previous global investment session.

Here are a few of the international investing and business subjects we review at this course.

#1: How 100 years of global economics can enhance your international investments and international business now. Learn how history reveals currency distortions that create international investment opportunities to borrow low and deposit high. For example right now you can borrow Japanese yen at below 3%, Swiss francs below 4% to invest in international investments, international business, international real estate or other international currencies that pay 5%, 6%, 7% and even more. In one case we’ll show why it is smart to borrow Swiss francs at 3.75% and invest in international Brazilian bonds that pay up to 10% or more!

Subjects in the international investments sessions include a review of global stock markets, international currencies and international interest rates and how they are shifting versus the greenback.

Another session looks at where to find the best value international investments globally right now, plus how to spot the hottest international investment trends before they become hot.

We also cover how to cash in on currency shifts by making international investments through the Multi-Currency Sandwich (Borrow Low-Deposit High) tactic. This is a perfect time for such international investments using diversification of currencies and taking advantage of the currency distortions that now plague investors around the world.

Currency experts from Jyske Bank (Thomas Fischer was a currency trader for many years and Jyske is one of the major currency trading banks in the world) will provide data at that course on this subject.

We’ll study international investment portfolios that offer the advantage of diversification, in several cases into nine currencies and nine different investments of which more than half have strong A to AAA ratings. We will review any changes made in the international investments portfolios we track and update what and how currencies and interest rates may move in the months ahead.

#2: We’ll look at international investments in emerging stock markets and emerging bond markets as well. 2007 was the seventh consecutive calendar year in which international investments in emerging markets outperformed developed markets. In 2007 the MSCI overall Emerging Markets benchmark was up 23.8 % in US dollars compared to the MSCI World Total Return Index being down 0.08 % in US dollars.   See why 2008 fared worse for emerging markets and how this creates more potential value.

In 2008 emerging markets fell faster and further than major markets… but once again in 2009 they led the global investment pack.  Anders Neilsen, my Jyske account manager, is one of Jyske’s bond experts and will be on hand to answer bond questions.

This February’s International invest sessions look at which blend of emerging and major markets may work best in 2010.

How profitable? Though Jyske Global Asset Managers have been extremely conservative this year, their managed portfolios have risen between 12.2% and 34.4% depending of the risk profile and the size of arrangement.

Those with more emerging markets in 2009 made even more.  The emerging markets index (in US dollars) was up 58.99% compared to 23.05% for the major market index. Over three years the index on emerging markets was up 37.88% versus 17.27% for the world index. The emerging market index was up 35.63% compared to the world’s index rise of 18.43% over five years.

Then emerging markets recorded their highest ever quarterly returns in the second quarter 2009, and posted strong gains for the third quarter, up 37.4% in three months, which ranked as the ninth best in equity market history.

You’ll learn why in 2009 we were investing in BRIC countries (Brazil, Russia, India and China).These 4 countries now generate approximately 27% of the world´s Gross Domestic Product (GDP).  The average annual GDP growth of a BRIC nation was greater than 7% before the recession, as compared to approximately 2% for a G-7 nation.  In the first three quarters of 2009, the growth rate for the Chinese economy beat expectations with an outstanding 8.9%.   We’ll look at a special BRIC trading idea in our 2010 seminars.

#3: One session will especially focus on international investments in alternate energy and water. For example we’ll see why Hyflux (water cleaning membranes mainly in China ) rose from $1.50 to $5 in less than a year (and why it then fell dramatically). We’ll see why water shares are destined to grow. We’ll look at Vestas (windmills) shares also up from $50 to $106. Plus we’ll update our Green Portfolio. These shares are especially interesting now as they were especially depressed in the global meltdown.

This course goes far beyond just international investments in stocks, bonds and currencies. Other sessions cover:

#3: How to cash in on distortions in international real estate from Ecuador to Lithuania! We have gained much more than just profit and international business and international investing opportunity in our international real estate searches. We have gained incredible luxury, heart- warming sweetness, breath-taking beauty, much better health and pleasant surprises at every turn. Having lived, worked and played in Ecuador now for over a decade and a half, we’ll focus heavily there, but Ecuador real estate opportunity is just one small part.

For example we’ll see how to own Ecuador and Smalltown USA real estate for pleasure and profit.

The third session of the course looks at how have an international business for fun and profit.

Merri and our webmaster, David Cross join me in the third part of the seminar to look at how to have a small international internet business.

This portion of the seminar is highly practical and usable because it focuses on how to start really small…with minimal investments of time and capital.

Plus we show how to stay small (yet highly profitable) if desired. International business sessions include:

#1: How to have an International and Ecuador Import-Export Business anywhere.

We’ll especially zero in on Ecuador export business opportunities in carved wood, ceramics from Cuenca, carpets from Guano, silver and gold jewelry from Chordeleg, paintings and art, textiles from Otavalo, leathers from Cotacatchi and flowers from the Andes . For example you’ll learn how factories make bread dough jewelry that can be fashioned into high school and college mascots and purchased for pennies apiece (to be sold for dollars abroad). You see how the only native American owned mill produces coats, shirts, sweaters, hats, gloves and scarves in school colors of your choice (at really low prices). These can be sold for ten times their cost.

Here is what one delegate to our course wrote: “Warm greetings for you and Merri! I’ll be on that list of Millionaire women very soon, thanks to your wonderful guidance and tips. Thank you SO MUCH for the good work that you both do!!!”

Another shared this: “I love to travel, but since I’m not independently wealthy, I also need to make money. I made one of my dreams come true. I went to Ecuador . I attended Gary & Merri Scott’s import/export seminar, we visited artists, markets and villages. It was a treat to see the great variety of handmade items and meet the friendly artists. I started to see the possibilities. I filled my suitcases in no time. Most of those things were sold to coworkers and friends and covered the costs of my trip. Yeah!”

“I returned to Ecuador in October. I spent two weeks attending Spanish classes in Quito and the next two weeks shopping. Once home, I sold my goods at an international bazaar and again paid for my trip expenses.

“Do I plan to continue? You bet! I have ideas for other places to sell my goods and some great material for travel articles. I am learning more each trip and gaining experience and confidence and most importantly, I love doing it! Attending your workshop was the catalyst that gave me the courage to take the plunge. Thank you for enriching my life.”

#5: How to write and use publishing, seminars and how to use international internet opportunities to create your own global business from your home. You can run your global business from an office or at home! The internet makes this more possible than ever before.

In the course we use case studies of what we are doing now to show how to start small and grow on the internet! Imagine this. Merri and I have a tiny international business. Just two of us run this operation from a remote farm in the Blue Ridge, a small village in Ecuador and the Florida countryside. Yet our website is ranked among the top 20,000 sites in the USA.

By starting small and building with stepping stones and harmonious foci we now almost own several profit generating phrases at Google.

At the course, we look at how we use the Seven Ps (Person, Problem and Promise, Product) to zero in on key phrases. Then we use the Fifth P Promise to develop new customers. The Sixth P the Prospecting Path and Seventh P the Presentation we use at the internet.

This knowledge has really helped previous course delegates. Here is what one previous delegate just shared:

“Gary , I have been working on my website, healthy-holistic-living.com site and I figure it is time for another update. It is really hard to believe it, but my site just keeps growing and growing and I am now averaging 2000 visitors per day!

“What I find to be most amazing is that in just a few short months my site is #1 out of over a million sites and sometimes even millions of sites! As you always say the internet is the ‘Great Equalizer’ anybody given the right tools can compete on the internet.“

You will learn how to use the same system to expand (or start) your business globally!

#6: How to Cash in on Smalltown USA.

We’ll look at properties for sale in Central Florida. These areas have two unique features. First, they offer great real estate value. Second, they are great places to visit and live and do business.

Many readers combine a trip to our Florida or Blue Ridge courses with a chance to look around and inspect some property for sale.  Learn how demographics and population push (plus the water) and new Florida investments that have come to this area are likely to make this a hot spot in the decade ahead.  In Florida they often visit Orlando about an hour away… plus look at the great lake front properties available at really low prices.

We’ll introduce you to brokers we have used in Florida at the seminar.

#7: How to use the latest tax savings and offshore legal structures to gain the ultimate asset protection. Learn how to gain more than cash-freedom, friendship, financial security, prestige, tax savings, legal protection, fun, adventure, self-sufficiency, fulfillment and more satisfaction…by combining very small amounts of money with your time and energy in an international business.  Our friend and attorney for more than 20 years… Joe Cox will be on hand to speak and answer your questions also.

Previous course delegates have included business people, brokers and professionals, doctors, dentists, lawyers, retirees, couples wanting to get into international business together, insurance agents and marketers who want to enhance their existing business or build a second sources of income through international investments and international business.

Plus more.

We have invited more speakers than we have had in a decade to share this learning experience with you… at this seminar course… for ideas on health… green and quantum investing… asset protection and global business.

Quantum Health…. Sheri Clary.   Sheri helps us with our health.  Sheri is a nurse practitioner who with her husband, James Clary MD, have been helping delegates learn natural ways to improve their health.  Specializes in hormonal balance using bioidentical compounds.

Quantum Investing… Ted Tidwell.  Ted is the founder of 1st Envirosafety the maker of Ted’s Stuff… a colloidal compound that has been helping farmers globally as well as helping create global business opportunity for Americans and Canadians moving abroad.

Quantum Asset Protection  Joe Cox.  Joe has been my friend and attorney for more years than I care to remember.  He specializes in estate planning, insurance, trusts and taxation is a frequent speaker on tax planning topics such as income taxes, insurance trusts, irrevocable trusts and offshore asset protection trusts. He has also written hundreds of articles and books concerning income tax and irrevocable trusts.

Joe is listed in Who’s Who in America and Who ’s Who in American Law. Chosen by Florida Trend Magazine as one of the top 1.6% of lawyers in Florida and one of the top 34 Wills, Trusts, & Estate Planning lawyers. Chosen by Worth Magazine to be one of the top 100 attorneys in the Nation.

Third, the Valentine’s Treat.  The February seminar can help you live, work and invest better… but remember I promised a third benefit that Merri and I have added to make  you a Valentine hero.

We have booked all four days of this course to be conducted in a very romantic place, the Lakeside Inn in Mt. Dora Florida and have arranged discounted room rates for you.

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The Lakeside inn is a ‘National Historic Treasure’, listed on the
National Historic Register, that  has continuously 
operated as an Inn for more than 125 years,
the oldest operating Inn in Central Florida.

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The Lakeside Inn is located 40 miles Northwest of Orlando
 in in Mount Dora… our shopping town and known as 
the “New England” of Central Florida.

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Mount Dora is the Antique Capital of Florida,
where the Renninger’s Twin Markets draws thousands
 to the Antique Mall and Flea Market,
along with downtown Art Shows, Craft Fairs,
Music Festivals, Theatre, Antique Shows,
Classic Wooden Boat Shows, Sailing Regattas 
and Holiday Lighting Ceremonies and Parades.  The Captain Doolittle Eco Tours and Mount Dora Trolley
 and the antique train leave right from the Inn for daily excursions.

You’ll be able to enjoy this romantic view.  The inn sits on Lake Dora.

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When you enroll, we’ll send details on how to book a room for the seminar at the exceptionally low rate of $129 a night.

You are a Valentine’s Hero in Three Ways.

There you have… along with all the benefits of quantum wealth… international investing and business you get Ecuador roses, a Valentine’s party at our house and can stay with your Valentine at the incredibly unique and romantic Lakeside Inn.

There are three ways to attend our February tours.

Option #1: Come for the four day quantum wealth… international investing and business seminar.

Quantum Wealth Florida – International Investing & Internet Business Mt. Dora, Florida ($749) Couple $999

Option #2: Enjoy a split session. Come for the four day for quantum wealth… international investing and business. Then travel with us February 15 to Ecuador for one or up to four real estate tours.

Feb. 11-14  Mt Dora.

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. 25 travel to Cuenca.

Feb. 26-27,  Cuenca Real Estate Tour.  Feb 29 end of tour.

Simply choose how many seminars and tours you’ll be on and enjoy the multi tour savings below.

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

Option #3. If you plan to attend six or more seminars and tours in 2010 save with an International Club membership.  See how to save here.

International investments and business can help your money grow and stop losing its purchasing power.

Previous course delegates have included business people, brokers and professionals, doctors, dentists, lawyers, retirees, couples wanting to get into international business together, agents and marketers who want to enhance their existing business or build a second sources of income through international investments and international business. Plus everyone wishes to improve their lifestyle… have better health and more ease in receiving income.

If you have or want to make international investments or have your own full or part time international business, you should contact us and make a reservation.

Your friend,

Gary Scott

P.S. One section in the Mt. Dora seminar shows how I turn a $950 direct mailing into $118,500 in three weeks. I added $9,875 a month to my income! This information is worth the cost of the course alone.

Ecuador Currency


Ecuador’s currency is the US dollar.

When Merri and I first arrived in Ecuador the currency was the sucre and it took 3,000 sucre to buy one dollar.  About five years after we arrived the sucre had dropped to about 8,000 sucres to buy a US dollar.  Then a decade ago the Ecuadorian economy went into self destruct and the sucre collapsed all the way to 25,000 sucres per dollar.

ecuador-real-estate-for-sale

The dollar still goes a long way in Ecuador. You can still buy beach condos like this for under $24,000.

This created incredible real estate bargains.  I began buying Ecuador real estate which is one reason I can sell Ecuador real estate now at below the market and still make a decent profit.

ecuador-real-estate

Large fixer upper houses like this in the Andes can still sell for less than $29,000.

However getting out of the sucre into the greenback was in a way like jumping out of the frying pan into the fire…. because since then the US dollar has dropped a lot in value compared to other currencies such as the euro.  Excerpts from our latest Multi Currency portfolio report show this fact.  Here is what that message said:

Since we are beginning a new decade it makes sense to look back a decade at the past multi currency action.

A reader just sent this note:  Dear Gary, I am worried by the breaking news that the “Bolivarian Alliance” is creating its own currency.

The news says:   “Countries of the Bolivarian Alliance for the Peoples of Our America (ALBA) agreed to introduce regional common currency, the SUCRE…”During the ALBA summit on Dec. 13 (In Cuba), nine member countries including Antigua and Barbuda, Bolivia, Cuba, Dominica, Ecuador, Honduras, Nicaragua, Saint Vincent and the Grenadines, and Venezuela announced the introduction of new virtual currency in January 2010.”  Thanks.

These countries have been announcing this type of stuff for quite some time.

You can see a 2007 article I wrote about this at Ecuador Currency Opportunity.

Announcements by governments are easy.  Actions not so much so.  Getting all these countries to actually do something together is not such an easy task.  Not much has happened from the 2007 announcement and I do not expect much to happen from the 2009 announcement.

Most of the countries above face enormous social and economic challenges in the decade ahead.  Keeping their own currency stable will be hard enough.  Creating a new one easy… but maintaining it hard.  Getting all these nations to work together to create one currency seems pretty unlikely.

The European Union and euro whose nations enjoyed  much greater economic success and stronger political stability, than the nations above took decades to create. The euro was driven by a real fear… a repeat of WW I and WWII.   Yet the euro has taken many decades to form.

Should we expect quick action for a union by Antigua and Barbuda, Bolivia, Cuba, Dominica, Ecuador, Honduras, Nicaragua, Saint Vincent and the Grenadines, and Venezuela? Remain watchful but do not expect anything too soon.

A better way to answer the US dollar dilemma  is to invest in the best value BRIC countries (Brazil, Russia, India and China) and speculate on the ups and downs of their value.

Here are excerpts from a recent Multi Currency Update I sent to our multi currency portfolio subscribers.

BRIC currencies make sense because these countries are still viewed as emerging markets… but they now are major economies.

Together, these four countries generate approximately 27% of the world´s Gross Domestic Product (GDP).

The BRIC economies are also growing faster than in the Western world.  The average annual GDP growth of a BRIC nation was greater than 7% before the recession, as compared to approximately 2% for a G-7 nation.

The future growth of the global economy depends largely on the BRIC economies continuing growth.

The simplest way to invest in BRIC economies is with a BRIC ETF like iShares MSCI BRIC Index Fund. This ETF tracks the MSCI BRIC Index and invests in about 260 different companies in these four countries.  Invest and leave the investment alone for long term growth.

Jyske Global Asset Management recommends BRIC allocation as below :

If you have a Low Risk profile                  : up to 5%
If you have a Medium Risk profile          : up to 10%
If you have a High Risk profile                : up to 15%

A more complicated but potentially more profitable approach is to weight your investments more heavily in the good value BRIC countries and sell shares in the BRICS with poor value.

Heavier speculation  could buy the good value BRICS and short the low value BRICS.

For example you can see below why right now may be a good time to sell investments in India and invest in China.

Learn how to read this entire update on why to sell these BRICS now as a Multi Currency subscriber.

A March 2009 report entitled “Ecuador Economic Worries” shows why the dollar’s fate is not so important to Ecuador when it says:

A number of readers have sent questions about Ecuador economic worries. One regular Ecuador economic worry I receive is that Ecuador will stop using the US dollar as its currency.

There is little doubt that Ecuador’s economy is in a mess.

Which economy is not?

We’ll look at this Ecuador economic worry in a moment, but to put this worry into perspective, may I share some other economic worries at the same time… plus post some photos from our friend, Dennis Goff… such as this shot from a boutique hotel in Manta, Ecuador where you can stay for $52 a night.

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Ecuador has economic worries, yes, but are they worse than the economic worries in Europe or the US?   The photos show that while we worry we can be in paradise on a shoestring budget.

Read the entire article Ecuador Economic Worries here.

Learn more about BRICS. Join Merri and me along with Thomas Fischer and my portfolio manager, Anders Nielsen, at our February 11-14 IBEZ seminar.

Learn more at  Quantum Wealth Florida -International Investing & Internet Business, Mt. Dora, Fl.

Gary

If you plan to join us at six or more seminars and tours in Ecuador, Florida or  North Carolina in 2010 you can save as an International Club member.

See details about each of our seminar and tours below… then see our December special that allows you to attend as many of these courses you like at a huge savings.

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

You gain discounts by attending multiple seminars and tours.

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

But our 2009 International Club membership which allows you and a guest to attend as many of the 56 courses and tours we’ll sponsor and conduct in 2010  (fees would be $40,947 for all these courses individually) is only $2,999.

The International club fee rises to $3,500 in January 2010. Enroll in the International Club now at the original fee of $2,999. Save $501.

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

Quantum Wealth & Ecuador


Quantum Wealth

“Quantum Wealth” is an optional one day workshop conducted before our Florida / Ecuador  and North Carolina / Ecuador split tours.

In a moment learn how to gain extra savings by enrolling before December 11.  First learn about some of the benefits of everlasting, quantum wealth.

A reader recently sent this note: Hi,  Can you please email me some description of the Quantum Wealth for the Feb. conference in Florida? Thanks.

Here is my reply: Quantum wealth is wealth attained continuously, effortlessly, in a fulfilling, enjoyable and positive way.

We have been incorporating the ideas of Quantum Health and Quantum Wealth into our courses and seminars for more than a decade… but our  February 2010 Florida / Ecuador  and North Carolina / Ecuador split sessions has make it possible for us to create an entire workshop to help our readers.

The “Quantum Wealth” workshop is free to delegates of our seminars and tours.

International-Investments

Delegates enjoy coming to our home during the “Quantum Wealth – International Business & Investing Seminars” Here is a group at our North Carolina home.

The foundation of Quantum Wealth is to integrate:

Logic with intuition.  The benefit is better adaptation to change.

Desire with action.  The benefit is more enjoyment.

Good health with everlasting wealth. The benefit is reduction of stress and more energy

ecuador-savings

Join us here, this February at…

emp-terrorst-attack

our new Florida home.  Save more by enrolling before December 11, 2010.  I’ll explain how and why in a moment.  First more on how super thinking creates quantum wealth.

Bringing delegates to our home for a home cooked meal is an example of a Quantum wealth benefit. This is is fun.  Yet there is more.  This process helps delegates see the authentic reality of the ideas we share.  I have never heard of other seminars offering this… an integration of what we speak about  and what the ideas we share achieve.

Here are the 21 main points we cover in our one day Quantum Wealth workshop that you can attend free when you enroll in our of our seminars or tours.

#1: Quantum mechanics & frequency how they all connect.

#2: Three aspects of being – air – fire – water… how to balance and integrate them.

#3: Three ways to integrate brain waves and be in the zone… 60 cycle sound… L- theanine and meditation

#4: The Andean – Indian Connection. How Ayurved and Andean relate.  Three fundamentals of longevity. Eat right, work hard and sleep well. Nutrition, exercise and purpose.

#5: How dis-ease develops and is stopped.

#6: Nutritional goals: Improve digestion, avoid dis-ease here first.

#7: How to use cleansings. Melon, pineapple, apples-grapes, vareshna, chelating, cinnamon-sweet pepper tea, steam and mists.

#8: Teas. How and when to use cedron, chamomile, lemon verbena, peppermint.

#9: Relaxers. How to use chamomile, valerian, lettuce and milk, hot water, vata press.

#10: Fire reducers. How to use peppermint tea, aloe, cream massage, frozen grapes.

#11: Water reducers. How to use cinnamon tea, paprika, cloves, ginger, ginger-black salt and lemon juice.

#12: The power of ritual & routine. When to eat, think, exercise.

#13: How to spot imbalances. Moods, physical signs. pulse testing.

#14: Quantum leap. How energy, colors, organs, glands work together and change every seven years.

#15: Shamanic exercises-yoga, llama walk, lizard, sun salute, crab and mouth release, ring chew, etc.

#16: Deeper Digestion.

#17: How to use the senses, taste, six flavors.

#18: How to use color.

#19; How to use sound.

#20: How to use exercise.

#21: How to use essential oils.

This optional, free Quantum Wealth workshop shows how to apply the intelligence to business, investing and lifestyle.

We have blended this method of gaining increased intelligence and super thinking into our Super Thinking + Spanish for many years but now have added this to our international investing and business seminars to create quantum wealth.

There are at least three simple ways to turn on this super thinking ability:  meditation, listening to 60 cycle music and taking Theanine.
These three steps integrate four categories of brainwaves, ranging from beta waves, the fastest of the four different brainwaves to alpha, theta and the final brainwave state, delta. Delta brainwaves are of the greatest amplitude and slowest frequency.  Deep dreamless sleep takes you down to the lowest frequency.

When we allow these waves to interconnect freely we gain unimaginable intellect.

Merri and I meditate twice every day to tap into this energy.

Plus we listen to 60 beat ten cycle classical music as we work. You could count the number of times we have missed our meditation routine in the last 20 years on one hand. This helps us enormously.

This type of music, along with deep breathing exercises for relaxation moves the mind into Alpha and deeper states as well.  Health benefits are gained as blood pressure can drop, heart rates slow and the mind becomes calmed.

This is a simple as listening to relaxing Baroque music such as Handel’s Water Music. A few others compositions at this cycle include Corelli’s Concerti Grossi, Op. 6, Violin and Orchestra in No. 2, 8, 5, 9. or J.S. Bach’s Fantasy in C Minor and Trio in D minor or Vivaldi’s Five Concertos for Flute and Chamber Orchestra.

Music has been used for centuries to induce states…babies being lullabyed to sleep, sea chanteys and harvesting songs to ease workers while laboring. Eastern mystics and South American shaman have used music to carry them to unusual states of consciousness.

Your body relaxes and your mind becomes alert in these simple forms of relaxation.

The Soviet psychologist, I.K. Platonov, found it was possible to just use a metronome beating at 60 to enable the mind to take in and hold more strongly.
In choosing a recording of a slow movement, simply check that the tempo is about 60 beats a minute. When a composer writes a piece of music, he indicates the speed at which he wants each of the different movements or segments to be played.

These indications of tempo are generally given in Italian. You will often see them on the different movements of a concerto. For instance, allegro indicates a tempo of around 120 – 168 beats to the minute, andante around 76-108, adagio from around 66 to 76, larghetto 60 to 66 and largo 40-60 beats to the minute. Some performers and conductors may set a tempo somewhat faster or slower than what the composer indicated. To check out the tempo of a recording, be sure it’s at around 60 beats a minute. You can check it with a metronome or against a clock with a second hand. It’s LARGO that we are striving for.

Here is a portion of the music list provided with that study.

Bach, J.S.: Largo from Concerto in G Minor for Flute and Strings. Bach and Telemann Flute Concerts and Aria to The Goldberg Variations.

Corelli, A.: Sarabanda (largo) from Concerto #7 in D Minor.

Corelli: 12 Concerti Grossi op.5

Handel, G.F.: Largo from Concerto #1 in F. Music from the Royal Fireworks.

Telemann, G.: Largo from Double Fantasia in G Major for Harpsichord.

6 Fantasias for Harpsichord Vivaldi, A.: Largo from Winter. The Four Seasons

A third avenue that helps enhance intelligence is Theanine (chemical name: r-glutamylethylamide) one of the chemicals found in green tea. Theanine is used to reduce stress and anxiety without the tranquilizing effects found in many other calming agents. Scientific evidence shows that Theanine stimulates the brain’s production of alpha waves, making the user feel relaxed but alert and not drowsy. It also helps the body produce other calming amino acids, such as dopamine, GABA, and tryptophan. As might be expected from a calming supplement, Theanine may be able to lower elevated blood pressure as well.

Our Quantum Wealth workshop looks at how to use super thinking to tap into deeper intelligence and what to do with this intelligence in business, investing and life.

This course changes the way a person thinks and learns forever.

Then Merri and I along with Thomas Fischer of Jyske Global Asset Management conduct our three day International Business and Investing Course. See more details of this International Investing & Business course here.

Gary

Here are three ways to attend our February tours.

Choice #1: Save the most!  Attend everything. Quantum Wealth… International Business & Investing and all four Ecuador real estate tours. See more on the multi course tours here.

Choice #2: Attend Quantum Wealth and International Business & Investing.

Choice #3: Attend just one, two or three Ecuador real estate tours.

Enjoy our split courses.  Spend four days with Merri and me learning Quantum Wealth and International Business & Investing Made EZ.  Then travel with our group to Ecuador (& save on our group air fares).

On the Imbabura Ecuador real estate tour there is a visit to food markets… another to Otavalo the largest native crafts market in in the world.

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Delegates at Otavalo market see crafts and…

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food.

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Another day Chachimbiro hot springs is enjoyed .

ecuador-spanish-tour

Delegates stay in the colonial Meson de las Flores Inn next door to the Museum of Cotacachi where the course is conducted.   Here are delegates enjoying a coffee break at Meson.

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The Ecuador hotel stay can be as little as $59 night (per room) and tax (including a magnificent breakfast)!

Another day provides a visit to the leather market of Cotacachi, the village of the weavers.

ecuador-spanish-tour

There are also visits to shamans.

ecuador-spanish-tour

Delegates at a shamanic ceremony.

Delegates see and hear local musicians and…

see local dancers.

ecuador-spanish-tour

They also enjoy exotic sites and the majestic Andes:

Cotacachi-winter

Finally this learning course helps eliminate the suffering of poverty.  Gary and Merri Scott, along with Dr Joe Spano and Joe Cox donated hotel Meson de las Flores to the Land of the Sun Foundation which helps the poor. Here are two of the many homeless that are fed daily at the hotel.

Land of the Sun also provide scholarships to educate Ecuador children like this.

ecuador-spanish-tour

We hope you will join us in Florida and Ecuador, the Land of the sun.

All group travel by coach travel to and from Quito plus during the course. Private travel, accommodations and food are not included.

Gary

Join us for our first split session in 2010.

Feb. 11-14   Quantum Wealth Florida – International Investing & Internet Business

Mt. Dora, Florida ($749) Couple $999

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

Enjoy extra savings with our special early bird fees (if you enroll by December 10, 2009)

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

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

Here are what a few people say about our courses.

“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 my 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

Hi Gary and Merri,  I wanted to thank you so deeply for a wonderful informative 3 days this past weekend in North Carolina. I learned a lot, was completely stimulated in many realms and found your attitudes, goals and ambitions refreshing and wonderful. So thank you thank you thank you. I was not disappointed. Merri had assured me I would not be and she was right.  I hope to stay in touch and again I thank you so much for the knowledge and life philosophy you shared with us all. Renie

Dear Gary and Merri, We were so excited by all the possibilities that came up at the IBEZ seminar that our 700 mile drive home seemed almost short! My husband and I had an action plan ready to execute as soon as we got home… thanks to the step-by-step guidelines from your webmaster. Thanks for showing us a road map leading into an exciting, profitable future. Priscilla

I would like to thank you and Gary for a wonderful course. We thoroughly enjoyed all the information presented by Gary, Thomas and David. And we thank you for your hospitality with having us to your lovely “piece of paradise” in North Carolina. The lunch was delicious and your presentation of import/export items was quite interesting. We look forward to visiting Ecuador in September of 2010. And we look forward to visiting and staying at your hotel in Cotocatchi. Thank you again for a truly life changing and life enhancing weekend. And we also wish your loved ones a speedy recovery and good health. Best regards, Randy

Dear Gary and Merri:  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 had a long drive home on Sunday and were sad that we had to leave and not be able to join you and our group for lunch at your farm and sad that we missed Merri’s cooking.  We hope someday in the future we may have the opportunity to visit your property as we heard it is quite beautiful.  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.  Thank you, Gary and Merri, for providing a wonderful Seminar.  Mike

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

See our entire 2010 seminar and tour schedule here

International Investing & Ecuador


International business and investments can enhance profits. We have proven this by sharing ideas on global investing for over 41 years.

Here I am conducting a weekend International Business and investing Course. Just then I was talking about how to have a real global business importing roses (and showing samples just brought in from Ecuador ).

International-Investments

This particular day we invited everyone up to our home. It was crowded but the delegates loved it!

As you can see we are pretty casual at our courses. This may be different than most but this is what we try to share…ways to be different for fun and profit.

International-Investments

I conduct most of our International Investing and business seminar along with Thomas Fischer from Jyske Bank. We cover global economies, markets and currencies.  Here is Thomas speaking to the group.

International-Investments

Plus we talk about exports. Merri started in the export business, bring products from Italy Germany and Mexico.

One day during our seminar we have lunch for afternoon tea at our house.   Here is a group lounging on our front porch In North Carolina.  Delegates were enjoying a great end to a  summer day in the Blue Ridge. One of our horses decided to join in.

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Our Appaloosa “Lucy” listens in (or does she want an apple?).

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“Blaze” and “Harriet” join the course as well.

We share a lot about international investments and global business over three days.  Delegates love this course and return again and again. I know one in the group was attentive. Ma, our pumpkin patch hound. Now you can see why dogs are called man’s best friend.

International-Investments

Here are what a few of the delegates shared

“Thank you for a wonderful experience. The whole package was great: the informative, stimulating, life-affirming conference that opened our minds to global possibilities; the luscious, natural, wholesome, lovingly-made food that nourished us with God-given energy; the crisp, prana-filled, tree-fed mountain air that reminded us that it is a pleasure to breathe in and connect to our earth, to ourselves; and last but not least, your hospitality. Thank you.”

“Dear Gary and Merri: Please receive my most heartfelt thank you for the wonderful time I spent in NC. The countryside is picture perfect and your farm is an idyllic retreat, with pine tree forests, streams, a lagoon, and the horses and geese to wrap it up. The group was wonderful and very warm to our projects. It couldn’t have gone better. Your friend

”Thank you very much for your kindness and generosity. I really enjoyed to be there.  Your conference was excellent. My drive from Jefferson Landing took me 2 hrs 12 min. It was a beautiful one. We (my wife and I) safely arrived to Hungary. When we got here we learned about the Sunday night riots and turmoil. Do not worry about us the country is perfectly safe and calm. This was only a pre election political tactics. However this incident confirms my view about any government. We have to be careful and never trust any government. These recent Hungarian incident proved Gary’s point about diversification and about multi currency and about multi market sandwiches. Thank you very much again”.

“Good Morning Merri & Gary: I sincerely enjoyed the three days spent and was thoroughly motivated by the knowledge imparted during the three days.”

“ Gary, We were pleased to be able to be at the IBEZ seminar this past weekend and we enjoyed it immensely. Thanks once again.”

See more about our experience at International Investments Experience

In 2010 we’ll conduct three of these courses, one in Florida and two in North Carolina.

Feb. 11-14       Mt. Dora Florida
June 24-27      West Jefferson North Carolina
Oct.    7-10      West Jefferson North Carolina

See more details about our International Investment & Business Courses

Gary

Take advantage of our split sessions and travel with our group to Ecuador after the International Business & Investing course.

Join us in Ecuador or Florida or Both. See the best Ecuador property for you.  Find the best real estate offers.  Know more of Ecuador. To help you experience a bigger adventure in this wonderful nation, to broaden your horizons, to expand your awareness of all Ecuador offers, we are providing deep discounts in 2010 for those who sign up for multiple tours.

Join us at our upcoming courses and tours.

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

December 9-10 Imbabura Real Estate Tour

December 11-13 Ecuador Coastal Real Estate Tour

Join us in 2010. See our winter Ecuador real estate tours below.

Jan.   8-11     Ecuador Export Tour $499 Couple  $749

Jan. 13-14     Imbabura Real Estate Tour   $499 Couple $749
Jan. 15-18     Coastal Real Estate Tour $499 Couple $749
Jan. 19-20    Quito-Mindo Real Estate Tour  $499 Couple $749
Jan. 21-23    Cuenca Real Estate Tour  $499 Couple $749

Enjoy extra savings with our special early bird fees (if you enroll in November 2009)

Join us in February or March.

Feb. 11-14   Quantum Wealth Florida -International Investing & Internet Business, Mt. Dora, Florida ($749) Couple $999

Feb. 15-16   Travel to and visit Quito
Feb  17         Travel to Manta
Feb. 18-19   Coastal Real Estate Tour   $499 Couple $749 or discounted fee for multiple tours below.
Feb. 20        Travel to Cotacachi
Feb. 21-22   Imbabura Real Estate Tour  $499 Couple $749 or discounted fee for multiple tours below.
Feb. 23-24  Quito-Mindo Real Estate Tour $499 Couple $749 or discounted fee for multiple tours below.
Feb. 26-27  Cuenca Real Estate Tour  $499 Couple $749 or discounted fee for multiple tours below.

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   $499 Couple $749 or discounted fee for multiple tours below.
Mar. 19-20    Cotacachi Shamanic Tour      $499 Couple $749 or discounted fee for multiple tours below.
Mar. 22-23    Coastal Real Estate Tour        $499 Couple $749 or discounted fee for multiple tours below.
Mar. 25-26    Cuenca Real Estate Tour        $499 Couple $749 or discounted fee for multiple tours below.

Enjoy extra savings with our special early bird fees (if you enroll in November 2009)

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

6 seminars courses & tours  $1,999 Couple $2,999

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

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

See our entire 2010 seminar and tour schedule here


Ambato Condos & Apartments For Sale


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

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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.

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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.

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The views from these condos cover most of Ambato.

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

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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.

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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.

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Hefrei I Penthouse living room…

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and…

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dining room…

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bedroom…

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kitchen…

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bathroom.

This building does not have garages or spaces for garages.

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

HERFREI II is larger.
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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.

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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.

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These are…

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all of…

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top…

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quality construction.

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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

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Here…

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are…

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more…

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shots…

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of these…

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Ecuador condos for sale…

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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.