A new international investing era could be created by a destructive scientific fundamental that is now so powerful it could overwhelm all other factors determining our wealth. This danger has such power that it could destroy most investors and much worse… end civilization as we know it.

Photo from Wikepedia report on Electromagnetic pulse weapons.

The most frightening part is that this force could unleash its destruction on us… now… at any time!

I want to share what, why and when this disaster could happen.

Then, I want to share how you can be protected rather than ruined.  We’ll even see how this, with luck, could be the creator of untold wealth which you, I, and a handful of cautious, insightful investors could share.

Before I explain how to safeguard your family from this possible upcoming disaster, let me explain that I first began to understand the magnitude of the risk after reading the New York Times best selling novel “One Second After” written by bestselling author, William R. Forstchen.

The story had extra meaning for me because it shows life in a small North Carolina town (similar to where Merri and I live during the summer) after an electro magnetic pulse is detonated by terrorists over the United States.

In the story the electrical grid and anything using a computer stopped working due to an Electromagnetic Pulse (EMP) created by just three small nuclear devices, launched from container ships and detonated high above the USA.

Without central communication and distribution, mass devastation and chaos ensued immediately.   The agony was terrible and life almost unfathomably complicated.

What made this fiction meaningful is that the book really documents and details the West’s dangerous reliance on technological systems which are so extensive that no one even recognizes them any more.

Adding to the terror of this book is a forward by Newt Gingrich and and afterword by Captain Bil Sanders (USN) one of the foremost experts on EMP. His comment  on how an EMP exploded over the US would create the Compton effect and how it would have “devastating consequences on our country” should be examined and understood.

It was Captain Sanders’ deep understanding of EMPs that made the warning in this book so powerful.

In a moment we’ll share ways to protect against this disaster… that could happen to all of us… suddenly… at any time.

First here are three facts that you should know.

EMP Fact #1: Many countries, including the US have EMP weapons that have nothing to do with a nuclear bomb and are quite small. They essentially put out a high energy very sharp spike of energy – high frequency and very short wavelength, short duration pulse.

However it is the nuclear EMP device that creates the greatest risk.  These are nuclear bombs that DO NOT CREATE DAMAGE FROM THEIR BLAST, HEAT OR NUCLEAR FALLOUT.   Instead the weapons create an electrical wave that fries just about anything with a computer.  A survey of open sources over the past decade finds that knowledge about EMP and EMP attack is evidenced in at least Britain, France, Germany, Israel, Egypt, Taiwan, Sweden, Cuba, India, Pakistan, Iraq under Saddam Hussein, Iran, North Korea, China and Russia.

Russian and Chinese military scientists in open source writings have shown how to design nuclear weapons that generate an extra powerful EMP effect called Super-EMP that can destroy even the best protected military and civilian electronic facilities.

EMP Fact #2:  This risk has grown to such an extent that America’s electrical grid is so vulnerable to terrorist attack that the Homeland Security Committee Chairman Bennie Thompson is pushing a bill to give the energy commission broad authority for “true emergency situations.”

This is explained in a recent USA Today article entitled “Electrical grid vulnerable to terrorist attack”  by Thomas Frank.  Here are excerpts from that article: It sounds like a science-fiction disaster: A nuclear weapon is detonated miles above the Earth’s atmosphere and knocks out power from New York City to Chicago for weeks, maybe months.

This graphic is from the USA Today article linked below.

Experts and lawmakers are increasingly warning that terrorists or enemy states could wage that exact type of attack, idling electricity grids and disrupting everything from communications networks to military defenses.

An expert panel that Congress created to study such an attack says it would halt banking, transportation, food, water and emergency services and “might result in defeat of our military forces.”

“The consequences would be catastrophic,” said Joseph McClelland, director of the energy commission’s Office of Electric Reliability. Full recovery could take up to 10 years, he said.

The scenario involves a phenomenon called an “electromagnetic pulse,” or EMP, which is essentially a huge energy wave strong enough to knock out systems that control electricity flow across the country.

The immediate effect would resemble a blackout. Although blackouts can be restored quickly, an EMP could damage or destroy power systems, leaving them inoperable for months or longer.

House Homeland Security Committee Chairman Bennie Thompson, D-Miss., is pushing a bill to give the energy commission broad authority.

At a committee hearing in July, Steve Naumann of energy giant Exelon said the authority should be limited to “true emergency situations.”

The commission studying the threat says the U.S. is ill-prepared to prevent or recover from an EMP, a vulnerability could invite an attack.

“We are not well-protected at all,” said Michael Frankel, who was executive director of the commission.

EMP Fact #3:  If an EMP event takes place, the Western World could quickly run out of food. Here is an excerpt of a transcript of a speech given by Professor Sir John Beddington, chief scientific adviser to the British government, at the GovNet SDUK09 event.  This has become know as “The Perfect Storm” speech.

I spoke here last year at about the same time about the issue of the food crisis and the burgeoning increases in food prices that were being driven by population growth, use of biofuels and so on.

The first problem here is that we really have a major issue. This graph takes a little bit of explanation; it is the ratio of our reserves to our consumption. What it is showing is that last year is the lowest level of reserves that we have had as a proportion of our consumption in years, since 1970 and actually since records were taken of this sort.

That means that we’ve got somewhere like reserves of around 14% of our consumption, that implies, give or take, 38 or 39 days of food reserves if we don’t grow any more.

As you can see, it’s the lowest level that we’ve actually had.  Is that a problem?  Well the answer is yes it is going to be a problem.  We saw the food spike last year; prices going up by something in the order of 300%, rice went up by 400%, we saw food riots, we saw major issues for the poorest in the world, in the sense that the organisations like the World Food Programme did not have sufficient money to buy food on the open market and actually use it to feed the poorest of the poor.

But this is England, not North America.  Right?

Beddingdon’s note shows that North America might not be able to rely on Europe for much food assistance and…

America’s food reserves are even worse as explained in this excerpt from last year’s article “The US has no grain reserves” published in the Tri State Observer, Milford, PA. The excerpt says:  Larry Matlack, President of the American Agriculture Movement (AAM), has raised concerns over the issue of U.S. grain reserves after it was announced that the sale of 18.37 million bushels of wheat from USDA’s Commodity Credit Corporation (CCC) Bill Emerson Humanitarian Trust.

“According to the May 1, 2008 CCC inventory report there are only 24.1 million bushels of wheat in inventory, so after this sale there will be only 2.7 million bushels of wheat left the entire CCC inventory,” warned Matlack. “Our concern is not that we are using the remainder of our strategic grain reserves for humanitarian relief. AAM fully supports the action and all humanitarian food relief.

Our concern is that the U.S. has nothing else in our emergency food pantry. There is no cheese, no butter, no dry milk powder, no grains or anything else left in reserve. The only thing left in the entire CCC inventory will be 2.7 million bushels of wheat which is about enough wheat to make 1⁄2 of a loaf of bread for each of the 300 million people in America.” (MY BOLD)

The CCC is a federal government-owned and operated entity that was created to stabilize, support, and protect farm income and prices. CCC is also supposed to maintain balanced and adequate supplies of agricultural commodities and aids in their orderly distribution.

“This lack of emergency preparedness is the fault of the 1996 farm bill which eliminated the government’s grain reserves as well as the Farmer Owned Reserve (FOR),” explained Matlack.

This is backed up by a Scienceblog article that says: “The US Government Has Zero Grain Reserves.”

In 1996, the Federal Agriculture Improvement and Reform Act of 1996 (“Freedom to Farm Act”) called for elimination of government stockpiles of grain.  I’m sure someone thought it made sense, at the time.

Now, the United States government has no reserves of butter, cheese, dry milk, barley, corn, oats, sorghum, soybeans, wheat, rice, sugar, honey, peanuts, canola seed, crambe, flaxseed, mustard seed, rapeseed, safflower seed, sunflower seed, peas, lentils, chickpeas, and cotton.  [Source: US Farm Service Agency, Current CCC Inventory (PDF file)]

The book, “One Second After”, clearly and very dramatically (but I am not sure how accurately) drives home the point that unless a person takes a unique financial stance that his finances, and maybe even his or her life, could be wiped out.   Many military and scientific studies support this monumental economic, social and life threatening risk.

Yet you do not have to ruined by EMP.  You may even find that this potential weapon will create extra ordinary wealth that a few investors will share.  Here is how and why.

First, there is no proof that an EMP event as described above would create quite the havoc mentioned above.

Here is how one scientist whom I have known for years and trust completely, explains this.

“I’m not sure how large an effect the nuclear device would have above the atmosphere — the pulse might dissipate somewhat along the earth’s electromagnetic field.  It would probably take out a lot of communications and military satellites.

“Electronic devices that are not attached to any power source and that do not have an antenna when the EMP pulse hits could survive – even better with some shielding material.”

EMPs could be the driving force for the next investing era.

Just like the nuclear threat in the Cold War…  an EMP attack may never happen.   Yet because it could… the perception of risk… has created a huge rush by many governments to develop new weapons and forms of protection… just as during the Cold War.

This site and our multi currency site have repeated many times how stock market bulls and bears are based on cycles of human interaction, war, technology and productivity.

These cycles are intricately connected with the new waves of productivity that grow from the great human platform of combat. The cycle goes like this.

An economic downturn enhances a war or threat of war. Struggles for survival in the war (like the Civil War, WWI, WWII and the Cold War (WWIII), super charge inventiveness that creates new forms of productivity…the steam engine, the internal combustion engine,  production line processes, jet engines, TV, farming techniques, plastics, telephone, computer and lastly during the Cold War, the internet.

Each new invention helped win a war.  Shifting the technology to domestic use… after the war… created a boom.

Each boom leads to excess.

Each excess led to a correction.  The correction creates an economic downturn.

The economic downturn enhances a war or threat of war.

Here we are… in the correction again… at the correct time when we should expect that another war (or threat of war such as the Cold War) should begin to build!   This latest downturn started almost exactly (1998), 16 years after the last boom began (1982)…which began after the last great human struggle called the Cold War.

If the cycle repeats, the struggle should build now due to the poor economy.

The key for spotting the greatest investment opportunities is to spot the next big invention… the technology that will spin out of WWIV.

The key is that a problem must have such severe consequences (such as losing the war and being destroyed) that all stops… all logics of return on investment are ignored.  Technology and research are pushed full steam ahead regardless of cost. The threat must be real and serious… like EMP.

There are seven steps you can take to assure that you are not destroyed by an EMP.

#1:  Move well away from the USA…. to an agriculturally based country.  This is one reason Merri and I have been active in Ecuador for nearly 15 years.

#2: Move to Small Town USA.  Our sites have been looking at the benefits of this for years and why we live on agricultural property.

#3:  Create your own source of food.

#4: Create a local source of hardened energy and communications.  This is one reason our newest real estate purchase is also agricultural property and already has a HAM radio tower installed.

#5: Keep some gold and or silver on hand.

#6: Know how to take care of your own health.

#7:  Hold some assets outside of North America.

Merri and I have already taken six of these seven steps… and are well on our way to completing the seventh step.  From this we learned one really important point.

You should not suffer in the process of  gaining this protection either.

Merri and I did not move to the country… buy our Blue Ridge farm… set up our own food supply… start our garden… buy agricultural land in Florida… get a ham radio tower… buy gold and silver… organize assets out of the US and become involved in taking care of our own health naturally because we were worried about EMPs.  We did so because we wanted to.

Chances are that an EMP attack will NOT take place.  During the Cold War nuclear bomb shelters were not required!

Yet can we take a chance?  Ignoring this risk and with no action is not the answer either.

Instead let’s share ways and lifestyle alterations that protect as they provide joy, satisfaction, better health and enhanced wealth.

You may not be able to (or want) to move your home abroad or to a rural area.   Yet gardening, even in urban areas,  can be healthy and fun.  Holding some precious metals is probably a good investment anyway.  We should be taking care of our health even when their is no threat of war.

When it comes to holding assets abroad… our multi currency course can help.

Since mankind began, every generation has endured some great threat or risk.  Yet here we are… still growing!  Only time will tell whether EMP will create havoc or the greatest new wave of wealth we have seen.  Whichever, Merri and I will be here to share the experience with you.

Gary

The greatest asset of all is the ability to earn wherever you live, which brings everlasting wealth.

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

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

This is why I am giving everyone who enrolls in our North Carolina or Ecuador International Business & Investing seminar in October or November our “Tangled Web… How to Have an Internet Business Course” (offered at $299) free.

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

Nov. 9-10 Imbabura Real Estate Tour

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Read the entire articles:

Electrical grid vulnerable to terrorist attack

The US has no grain reserves” published in the Tri State Observer, Milford, PA.

This advertisement has been submitted by a reader for Galapagos real estate for sale… a wonderful Galapagos farming opportunity.

Villamil Beach Galapagos

I was really impressed by this ad because Galapagos is a pristine area where tourists and even residents are regulated but this farm is in a part of the Galapagos where even the tourists cannot go.

Here is what Mike Van Pelt wrote about the farm he has for sale.

“Galapagos”  What other word conjures up so many varied wild imaginations of fearless animals, peace and solitude, turquoise oceans with pristine island beaches, lava spouting volcanoes, and yes, Darwin?

This is a very rare opportunity to own your piece of Galapagos Paradise.

We are offering a 10 acre farm in the highlands of Isabela at a really rock bottom price.

Isabela is by far the largest of the islands in the Galapagos Archipelago, formed by the uniting of 5 volcanoes to create an island that equals a bit more than 50% of the land mass of all of the islands, 2850 square miles in total.  Its seahorse shape only adds to the charm of this enchanting island.  The population of 2,500 islanders encompasses a mix of Ecuadorians, Galapaginos, and Ex-Pats from the USA, UK, and various European countries. Its Southeastern coastal city of Puerto Villamil is a sleepy town that still has the quaint charm of all sand streets.  Puerto Villamil has begun to upgrade its appearance in the past 2 years.  There has been an addition of an embarcadero for the passenger boats.

There is now sawn-lava side walks and a public square with shaded gazebo areas (which at this moment has free wifi).

and an addition to the public hospital… where medical care is free.

Villamil medical clinic and hospital.

Villamil Plaza-Church.

I checked this out. Isabela Island is bigger than all the other Galapagos islands combined. It is about 75 miles long and 50 miles at its widest. The total land area is 1771 square miles—bigger than Rhode Island.  These mountains that form this island were probably separate at one time and then fused in to a single mass. The most recent eruption was Cerro Azul in 1999. So the island is still rising, and Wolf Volcano is the highest point in the islands—an elevation of 5,600 feet.

Here is a Galapagos map. You can see how large Isabela is compared to rest of the islands.

Mike continues.

This finca (farm) is about a 15 minute drive from town toward Sierra Negra Volcano National Park, in an $8 per hour taxi.  It is situated at the corner of the Sierra Negra road and the Santo Tomas road.  Electricity is present on the property (The island’s electricity plant now powered by diesel generators, is scheduled to be replaced by a solar plant that powers the entire island by 2010).

Electricity to the property. See the rich volcanic earth.

A beautiful ocean view can be seen from the property.  The Sierra Negra road is in the process of being paved, constituting the only paved road on the island.

This is the beach on our island.

The island of Isabela is accessible by 4 daily flights to (and from) the island of Santa Cruz.  From Puerto Ayora board an island-hopper for a 2.5 hour boat ride to Isabela and its port city of Villamil where you will surely be greeted by one of the numerous lethargic sea lions who have claimed stake to a fisherman’s boat for the afternoon.  Although the boat ride may soon be alleviated, as a commercial airport has been started, but is awaiting additional governmental funding for its completion.  It is also possible to take a 6-passenger plane directly from Baltra airport to Isabela.

This is the Villamil Port Area.

The Academy Bay and…

Pointe Ayora are on Santa Cruz Island.

Since you must go to Santa Cruz to get to Isabela you see these views on the journey.

This aerial was taken when we flew from Isabela directly to the airport on Baltra.

The activities available on Isabela are sure to please every palate with beach activities including snorkeling either from beach or from boat (as long as you don’t mind penguins, sea lions or turtles as your companions), swimming, scuba diving, and volleyball; boat/land trips around the Bay and the Tintoreras Islets off of the shore of Villamil from which much wildlife can be seen and photographed including the Galapagos Penguins, Blue Footed Boobies, Sea Lions too numerous to count, Eagle Rays, and Green Sea Turtles.

Snorkeling with Sea Lions.

Colonies of sea lions continue on their daily activities seemingly unaware that we are in their presence.

Don’t forget to look up and see the ever-soaring Frigate Birds with their red throats.  I am told that this is a birding paradise.   This is not my strong area, but if you are a birder you will know.

Blue Footed Boobie.

For the land-lovers, and nature lovers, a hike to the Sierra Negra Volcano and Volcan Chico is an absolute must, either partially by horseback or totally on your own hoof.  Either way the views, especially on a clear day, are more than breathtaking.  Then there is the geology – multi-colored lava, Pele’s tears, lava tubes, sulfur vents, and the endless black flow that is absorbed into the sea.

Los-Tuneles.

On a different day plan to take in one of the lava tube caves, you will not be disappointed.  For the strong at heart, multiple-day hiking/camping trips to various remote locations can be arranged for hiking Sierra Azul or wildlife viewing in areas not accessible by the 2 roads on the island.

Back in Puerto Villamil, the main town do not miss the Poza Salinas, or brackish ponds, which sport several Flamingos sifting the salt-water for food.

Villamil Albermarle Hotel.

Meals are really inexpensive.   In the restaurants the Plate of the Day lunch runs $2.50-$3 and dinner:  $3-$4.

Main street restaurant.

Local transportation.

Since the US dollar is the official currency there are no conversion costs or forex concerns.

If you are not staying at the farm, there are nice, new accommodations with A/C for as little as $15 a day… though you can spend
-up to $100/night for on-the-beach luxury.

Here…

Villamil beach shots and…

the police station and…

Post office.

Walk  along the beach and the beach paths from town to the Rearing Center for the Giant Tortoises where several species of endangered Galapagos Tortoises are raised from incubation and released back into the wild at the age of 5.  Note:  They are always looking for volunteers, should you feel the desire to help an endangered species hands-on.

There are also several boardwalks for viewing other natural water flora and fauna of the coastal marshy areas.

Lagoon Conche Perle.

This finca is busting at the property lines with bananas in various varieties, papaya, guava, mature avocado (2 crops per year) and mango trees, various types of citrus, and passion fruit.

Papaya & Mango.

Octoi & Banana.

Citrus.

Bananas.

Farmhouse seen from the road.

Cruises leave from Puerto Ayora, ranging from Single Day-Cruises to luxury 9-Day Cruises.

Cruise Boats are NOT allowed access to Isabela.   This helps preserve the pristine qualities of the island.

This is a farm and land of…

true beauty… sunrise to…

sunset.

I have Ecuador beach lots as well as this farm and would like to use the farm but never find the time to stay on the island long enough to get a Cedula (residency) card.  The Islands only allow 3 months per year visits with possible extensions of 3 each in one month periods so I will sell this for $109,000 or would consider a trade for a Cotacachi area property or other highland area or more Ecuador beach property.

For more details contact me, Mike Van Pelt at mike1athome@hotmail.com

This is a paid advertisement I am not involved so please direct your inquiries to Mike.

Gary

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

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

December 9-10 Imbabura Real Estate Tour

December 11-13 Ecuador Coastal Real Estate Tour

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

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

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Change, though often feared, is our friend because it opens fields of opportunity… if we can trust our intuition and integrate it with our logic.

Here are photos I took on our last shamanic tour.

Without change, we could never progress.

Problems arise when our thought process resists rather than embraces change.  Combining our logic and intuition assures that this is less likely to happen.

Our Ecuador course on Super Thinking helps delegates learn how to absorb, retain and recall more information.  This helps improve our logic.

Delegates at a previous Ecuador Super Thinking plus Spanish course we conducted in Cotacachi.

Yet to go beyond logic we need to combine our thinking with intuition.

Many Ecuador shamans and shamanas teach the Eagle & Condo Prophesy… a time will come when the eagle and condor fly in the skies together.   Many believe that the eagle represents logic and the condor intuition.  The prophesy says that sharing of indigenous knowledge with the technologies of science will help balance mankind.

One way to blend intuition and thinking is through intellectual gaming.

A game is a structured activity, with a set of rules. This is important… because when we game… we can create a set of rules that is beyond the norm… outside the box of logic…  so our information processing and decision making can escape the tyranny of reason.

Gaming is usually undertaken for enjoyment.  This makes gaming important as well.  When we do something fun… without risk…we do it better.  We can let our imagination soar so we can see eventualities in enjoyable, non threatening ways.

Games are formalized expressions of play which allow people to go beyond their immediate imagination and direct physical activity to see life’s potential in different ways.

When games eliminate play… they lose impact… thus the demise of professional sports which are no longer games… but business.

Gaming allows us to use disambiguation in resolving future conflicts.  This is because our future is always ambiguous… even if we think not.   Our life can take any number of  paths that lead in different directions… at any time.

This leaves us asking, “What should I do?”

Gaming allows us to create a set of out-of-the-box rules that direct us in ways we would never logically reach but can imagine.  Because it is fun and without threat… we can see future opportunity in numerous expanded ways.

One way we can game is to form ideas from our intuition. Then we apply the game’s set of rules that change the circumstances of the idea.

There are two ways to let our intuition to kick in.

One way is to let outward events kick start our intuition… such as spotting birds.

Recently I mentioned how I use the heron as an intuition initiator.

Other birds are meaningful to me also.  Doves, for example, are a sign of “Thinning the veil”.  “Crows represent “Magic & Creation.”  These concepts represent archetypes that we can apply in an out-of-the box game.

One game that the Ecuador shamans taught us to play to increase and trust our intuition is to hike steep trails with our eyes closed.  This is the first time we received this lesson when Merri and I along with our friend, Dr. Jay Glaser, and several others hiked into the sacred Llanganatis Valley in Ecuador.  This was a narrow trail on a steep edge. What a game!

Merri and I have found Vedic Astrology an incredible help when it comes to making decisions that we cannot make with logic.

For example when our daughter Elle graduated from University in London with a degree in dramatic arts. Her question to Merri and me was “Should I go for a career in singing or go on and get a teacher’s certificate in Physical Education?” (She is a superb athlete as well as an aspiring singer.)

We all agreed that becoming a singer is a long shot. Teaching is safe. But we knew that her passion is to shoot for being a star. So how would she feel in later life if she didn’t try?

So Merri had Blaine Watson, our Vedic astrologer check her Vedic chart. The astrologer knew nothing about Elle but said at that time she had just moved into a cycle for three years when her best thing would be the performing arts, entertaining, etc. That was enough to convince us. “Go for it”, we said and we encouraged her. “You’re young, try it for three years and if this does not work then, let’s look again”.

Within a week she was picked as a backup singer with a popular English rock group.

Her first gig was before 4,000 fans! In the ensuing year she was able to meet many of her rock star heroes as work associates. This was an incredible experience for her, but as mentioned the entertainment business is a long shot. Some stars may become rich but backing vocals…so she had to work elsewhere to survive. Her “make money” jobs included handing out pamphlets, selling credit cards by phone and teaching dance at a franchised performing arts school called “Stagecoach”.

She enjoyed this experience enormously and cut a couple of great CDs with a group. Then she began to tire of being poor and looked around for a better way to enhance her wealth.  Her teaching job at Stagecoach led her to look at owning a school and at the ripe age of 23, she took the plunge.

May I say with due respect that Eleanor is the last child that we ever thought would be a business woman. No logic could have shown us this.

On many of our shamanic tours we visit Quicocha Lake for a shamanic ceremony.

Our daughter  approached this business with incredible discipline and dramatically expanded the school. In her first year her profits were in six figures. Her second year took her well into six figures. Today at 26 she lives in a very expensive home on the River Thames. She has a new car, new kitchen, everything she wants and an income in the top 5% of the world.

Had anyone suggested that Eleanor could or would have traveled this path, all of us who knew would have laughed. Her success has been beyond logic!

Alberto Verdezoto (in purple) leads the tour with…

The yatchak and…

his wife.

Yet we supported our daughter’s success based on the realization that every moment there are possibilities that our logic just cannot see but that Vedic Astrology can. The inability to measure the results of astrology used to bother me enormously until years ago I read an article about Aristotle Onassis, the ultra rich Greek shipping magnate. He gave the secret of being a billionaire that helped me look beyond my logic.

“Certainly one does not need an astrologist to become a millionaire.” Then he quickly added that “to become a billionaire, it is essential.” This statement was made long ago when being a billionaire was pretty darn rare.

Onassis’ statement really struck a chord with me as my many years of residence in Hong Kong had exposed me to many businessmen who looked beyond logic. I heeded the astrological advice because the Chinese are very into what some might consider offbeat and unreal thinking, but there were more billionaires per capita in Hong Kong than anywhere else in the world!

In fact the more I thought about this, the more it made sense. To make billions one has to take enormous risks and see a big picture far into an invisible future.

We all have to make some decisions based on events we cannot totally predict, but successful billionaires make huge decisions based on enormous unknowns. It requires incredible faith to take incredible risks. None of us can see the whole picture but Astrology, albeit vaguely, helps us see the biggest picture of all.This did not matter for me anyway, as I do not use astrology as a predictive system.  I find the data extremely useful gets me to think outside the box.

This is a fun ceremony filled with…

beauty.

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

Astrology presents a “what if” that pushes our thought process beyond past experience and encourages us to think in new ways to deal with future events.

This has nothing to do with the supernatural. This is just another simple way to add an extra dimension into your process of thought.

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

Merri and I read Blaine’s ezine daily.  It is full of beautiful, lively, deeply interesting (and as you can see above), very valuable information for life, for investing, and for fun.  You can learn more from Blaine at blainepw@gmail.com

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

December 6-8 Beyond Logic Shamanic Tour

December 9-10 Imbabura Real Estate Tour

December 11-13 Ecuador Coastal Real Estate Tour

Gary

Oct. 25-26 Imbabura Real Estate Tour

Nov. 6-8 IBEZ Ecuador Seminar

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

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

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

We invite villagers to join us… family and all.

This message on how Florida and Ecuador connect can help you enjoy everlasting wealth.

See how going from this view in Hong Kong from Bowen Road…

to this… brought us more than a fortune.

The leaf change has begun here in the Blue Ridge and autumn’s glorious message can help us improve our investing and business. I explain below.

Yesterday’s message, Ecuador Gold,  was about gold, good value real estate and the power of incorporating a PIEC (Personal Income Earning Corridor) in your life so you can:

1.    Do what you like.
2.    Act beyond money.
3.    Work with like minded souls.

One key to developing this PIEC is to know what you are investing in and… why.

Plato summed it up nicely about 2,500 years ago… investor… “know thyself.”

Take for example, what Merri and I knew about ourselves, as we headed south in our Honda mini van last week to look at over 20 properties in three days… a short list derived from researching hundreds of properties for sale.

Our hound, Ma, was with us… she is very happy about traveling more to Florida and less to Ecuador because she far prefers traveling in the golden rolling cave rather than being eaten (and then regurgitated) by the big, silver bird.

Merri and I were happy knowing that a common denominator between Ecuador and Florida is that each have a lot of sun at times when other places have a lot of cold!

As the autumn’s first frosts were appearing at our mountain home… we enjoyed the 85+ degree sunny weather.

A recent article entitled Ecuador Florida Connection looked at value real estate in both  Ecuador and Florida and evoked this response from a reader:  Gary, I love reading your daily emails. You are right about the many foreclosures in Florida but let me say that those foreclosures are mostly in places that would make you feel like a “gringo in Ecuador”.

I have checked on quite a few but the prices are just coming back down to what they are really worth.  Good luck in your quest !  I am trying to talk my wife into a place in Ecuador which she may warm up to a while.Maybe I can talk her into an inexpensive condo. What do have to offer preferably near the water (Salinas).

I replied: Agreed… but there is also appears to be a hole in the market for Central Fl property in the $1m to $750k range.  There are very few buyers. We have been watching prices tumble hundreds of thousands.  We are viewed one property that started at $800K+. It dropped $100K last week from $395 and is now down to $295K.  This is the sector where we are looking.

This property…

with this view…

started at $1.7 million dollars. Then Merri watched online it dropped to $1.2 million…then went to $899,000.  When we looked, it had dropped to $85o,000 and was down to $499,000 when it disappeared from the listing…foreclosed.  It is on a clear spring fed lake, has around 3 acres, all fenced, dock, boat house, large beautiful guest house, barn, pool, high ceilings and even a sauna/workout room AND in an excellent neighborhood near the historic town of Mt. Dora.

The broker that showed this house to us is Shirley Peacock at Coldwell Banker All Stars  in Mount Dora (There are two CBs in Mt. Dora).  Her email is shirley.peacock@mfr.mlxchange.com whose attitude is to help make a sale, and if it is a foreclosure or a short sale, she has knowledgeable attorneys and doesn’t flinch on these sometimes “difficult” properties.  Usually where there is difficulty, there is profitability.  We have profited by her advice and knowledge and spent a lot of time with her and had a lot of fun looking at one after another beautiful great properties.

Why did we pass so quickly on this house?  It is certainly beautiful, has excellent value and had all the qualities we were looking for…but what it didn’t have for us as much privacy that we long for…but still what a value!

We have a very defined search for good value, Florida real estate that we would like to live in.   We use the Golden Rule of Business Simplicity…  “Our desires represent the desires of many others.”

In short, the Golden Rule of Simplicity means that… “Your Passions Represent Markets.”  Figure out what you love and why and you’ll have good, strong business and investing ideas.

Expanding on this example…Merri and I love living in the sun so we know many others do as well.  This means if we buy real estate in the sun and lakefront… at a good price… there is a good chance we can sell it later for a profit.

So we are looking for places where we would like to live… in the $750,000 to $1,000,000 range where we would like to live.

Yet this is not all.

First we expect to pay much less because of this flat spot in the market. We like to go where no one else is competing.

As we expand on this example we cannot leave out the importance of knowing where one is on the diffusion curve.

To understand this better, let’s look at research on diffusion models.

A well-known diffusion study followed the spread of a new hybrid corn in Iowa in the 1930s. There were 250 farmers in the area that were observed. The goal was to see how fast these farmers accepted and switched to the new hybrid, which was superior in every way to the existing corn that the farmers had been growing.

Though this hybrid cost less gave better, more dependable crops and higher yields, not all the farmers began to use the corn at once.

Only a few farmers started using the hybrid in 1932 and 1933. In 1934 16 more switched. Then in 1935 21 more followed. 1936 saw the highest switching when 61 farmers began using the hybrid. Then there were 46, 36, 14, and 3 that switched, leaving only two of the 254 farmers studied.

In this study, the original few who began using this corn were the Innovators. These are the adventurous people who will always try anything new. Innovators start trends but do not cause the trends to take off. They instead infect the Early Adaptors 16 who in 1934 and 21 in 1935 that began using the hybrid. These are the opinion leaders in the community that will cause the trend to spread. These are people that cause the trend to really spread.

They were followed by the Early Majority (the 36 who switched in 1936), the Late Majority (61 in 1937). Finally they are followed by the Deliberate (46 in 1938 and 36 in 1939), Skeptical Mass (14 in 1940 and 3 in 1941) finally leaving only the Laggards (the two who still had not adapted by 1941).

Whenever looking at your PIEC, ask  “Where am I most comfortable in the diffusion process?”

There is potential and a risk reward balance in every part of the curve. What counts is making sure you are in tune with the diffusion position of any idea that appeals to you .

For example even laggards can find exciting niche opportunities.   In fact some times laggards find themselves turned into innovators… such as the low tech Amish Lehman’s Catalog business.

Merri and I are well aware that we lay somewhere between innovators and early adapters.  We have worked and/or lived on every continent… visited over seventy countries and rarely had a month without a flight somewhere for 40 years.

We warn readers regularly that we are usually early in and early out.

The view in the 1970s from my flat at #5 Bowen Road was something like this… except most of those skyscrapers did not exist!   After I left, real estate appreciated 20 – or 30 times.

We were into real estate in Hong Kong, Isle of Man, London, Naples, Florida and Ecuador when the majority thought the idea was crazy.  We earned nice profits in each place but prices rose dramatically as much as ten times or more after we exited.

Manx real estate has skyrocketed since we left this wonderful British Isle.  Many of our real estate delegates there made much more than Merri and I did, because they stayed on.  This shot and many more by Jon Wornham can be seen here.

London house prices, for homes like this, rushed upwards after I sold our Bedford Park, London house for 115,000 pounds. Today, even after the economic downturn, such a house would be in the millions.

Yet Merri and I have done very well and are perfectly happy because there are two ways to move along the evolutionary path of business and investing…. as settlers or as pioneers.

We sold this wonderful Naples, Florida home that…

was 30 seconds walk to the beach and had a huge… glorious…

garden. We moved…

into this beat up, Blue Ridge farm house, with…

a falling down barn, half burnt house and a most gosh awful 252 acre mess, plus…

this old tin roofed house… in a really remote part of the Andes with 900+ acres of vine covered land.

Many (maybe most) of our friends believed we were nuts! (And perhaps we were and are!)

Had we stayed in Hong Kong. Had we stayed in London. Had we stayed in the Isle of Man or in Naples… we might have millions of dollars more.

We spent years redoing, reclaiming, unearthing the treasures here in the Blue Ridge and building our country house which we love during the summer and fall…but not in the winter!

Yet viewing the autumn forest at dawn from our front porch here in the Blue Ridge gives me a greater thrill than any extra bucks.

I could not be happier because it is important for each of us to know which type of investor and business person we are.

Comfort is one of the most important aspects of successful investing. If we make investments not in keeping with our nature, we will not be comfortable.  Without comfort, we are more likely to second guess ourselves and screw up. Restlessness and worry reduce the joy of affluence and reduce our investing and business effectiveness as well.

All of us need to invest in things that we feel are right to us.

For example when we moved out here to our North Carolina farm, many of our friends in the city thought we had lost our marbles.  Yet we have loved it.   Now that it is fixed up and worth many, many times our cost, we are considering selling part of the farm and reduce our position here.

We plan to always have some position here… perhaps less than now.

Lance Armstrong summed this idea up in a Time magazine article when asked about who to listen to about what to do in life when he said: “The important thing is to go around (collect data-get information). Then you really start to weigh your options. Which one feels right? It may not be the right decision, but it’s what makes you feel right.”

Why when we get everything fixed up… do we want to move on? The process… the challenge… the fun of creating, is what fulfills us…. more than the bottom line.   Once we have achieved our goal we like to move on… to the next project.

This understanding is vital to your investing and business.

Know yourself.

Know that ultimately you must make decisions for yourself.  Know that you can’t know everything.

Know that not every decision will bring maximum profit, but if it feels right for you and the process is enjoyable, you improve your odds of success.

Real estate in Ecuador is steady and rising.  Ditto for the Blue Ridge. Ashe Country real estate sales may have slowed but prices have not really faltered here.

We have been investing and creating in both the Blue Ridge and Ecuador for almost 15 years.  We love each place and will continue to enjoy them… but we love the next step as well so we are reducing our presence in each and adding Florida… with of all things… agricultural property… something we have never done.

This is a new challenge we believe makes good business sense… and for us… will be fun.

Next time you plan to invest or start a business… whether in Ecuador, Florida, North Carolina or wherever… think about yourself.  Are you a pioneer or a settler?   Where do you enjoy sitting on the diffusion curve?   Make the most of the entire process… money, fulfillment and fun by developing a PIEC that allows you to do what you like and act beyond money with like minded souls.

Gary

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

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

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

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

Oct. 9-11 IBEZ North Carolina

Or join us in Ecuador.

October 16-18 Ecuador Southern coastal tour Sold Out

Oct. 21-24 Ecuador Import Export Tour

Oct. 25-26 Imbabura Real Estate Tour

Nov. 6-8 IBEZ Ecuador Seminar

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

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.

We are repeating our Beyond Logic & Cotacachi Shamanic Tour this December 6, 7 and 8, 2009 because the most successful thoughts come from Beyond Logic.

This may be why the Beyond Logic & Cotacachi Shamanic tour has been one of the must successful of our 2009 tours. Due to this demand we are repeating this course… plus adding optional Andean real estate plus a free Christmas shopping extension for December 2009.

The Ecuadorian shamanic thinking process can help us learn how to advance and prosper during this economic downturn.   Three shamanic lessons below show why. These lessons are outlined in a moment.

First may I introduce the course “Beyond Logic” conducted by Blaine Watson this December 2009.

Because the last Beyond Logic course was one of our most popular this year, we have added a three day ‘Beyond Logic” Course to be conducted in Cotacachi December 6, 7 and 8, 2009.   Ecuador Andean and coastal real estate tours will follow (more on this in a moment).

The first two days will be conducted by Blaine Watson. Here he is conducting a course here in North Carolina. He is in our teaching kitchen because nutrition is part of the course.

Blaine’s portion of the program includes a personal reading (one per single or couple – a second reading is extra) based on your time, day and place of birth. We’ll get your birth time in advance so he can bring your chart with him. You’ll have your reading either after the course or later by phone.

Here is the course schedule.

Day One. Sunday…Dec. 6, 2009 – Blaine Watson

A detailed description of the 12 signs, the 9 planets and their significations and the 12 houses, how they come into being and the significations of each one, as the basis for interpreting the horoscope and making predictions.

Day Two. Monday…Dec. 7, 2009 – Blaine Watson

In-depth analysis of the of the planets and how to interpret and predict from their placements in the 12 signs and the 12 houses.

Day Three. Tuesday…Dec. 8, 2009 – Quantum Lessons from the Yatchaks. Delegates will visit a sacred valley near our village for a shamanic mingo…just beyond this field.

We’ll hike in (but can also bring those who desire to come by truck) here…

Here is a shot I took of Merri and Don Jose when we hiked in on a previous Mingo.

We’ll reach this grotto where the water springs from the cave…

the color of gold.

Shaman Don Jose will conduct a purification for those who choose to have it.

as I am doing here.

You can enroll in Beyond Logic here.

Here are the three shamanic lessons.

Recessions and depressions destroy many investors and businesses. Yet these times of cleansing are also the breeding ground for the next group of extreme rich.

Why do some succeed when so many fail?

They have different ways of thinking…gaining energy and seeing beyond the accepted logic.

No one can see the future. It is hard to be energetic and forward moving in tough times. Perhaps this is why only a few become rich and healthy.

The thought process, processing knowledge and natural health have always fascinated me as have the legends of Old Ones the “Abuelos” who live high in the Andes hiding sacred knowledge for longevity, high energy and success.

Merri and I were so intrigued that we bought Hacienda Rosaspamba, high in the Andes and lived with a Taita Yatchak and his apprentices to learn more.

Here is the hacienda and the view we enjoyed each day as we rose.

The Taita Yatchak invited Merri and me to hike into the mists and clouds of the Llanganatis, the sacred valley, which legends say contain hidden Incan gold. I suspect the gold is golden knowledge…not the yellow metal!

To find out, and learn more on how to think for true success…in health and wealth, we invited friends, two MDs and a Sanskrit scholar to hike in with us. Here we are, on top of the world, starting that trek.

The first shamanic lesson was to trust our inner vision. The picture below shows Merri and me with Dr. Jay Glaser an MD, Ayurvedic physician and Sanskrit scholar overlooking the sacred LLanganatis Valley.

Here is how we learned this lesson. The yatchak put us on a path like above. Told us to look ahead. Then close our eyes and walk the path. “Trust your inner vision,” he said.

Here we are with the Yatchak in the jungle during that hike.

The second shamanic lesson was to purify oneself from the outside in and the inside out at the same time. Be pure in eating, action and thought. Always keep cleansing…mind and body.

For example, we stayed in an open air hut during our time in the LLanganatis. The mists there have negative ions that neutralize free radicals in the skin.

Here we are with the Yatchak and our friends at the hut.

We brought a Sanskrit expert because the Andean language is based on Sanskrit, a language from India. What made this tidbit special was that we were already studying Ayurved, the Indian science of life…health…pure thought.

We learned for example that the name “Llanganatis” is linked to Indian philosophy. Llanganatis means “Repeated Sacred Action” (the Sanskrit word is Yagya). This led us to a third shamanic lesson…”See beyond logic”.

This helped Merri and me understand how to use Vedic Astrology to see a bigger picture beyond logic. The Indians were able to maintain their ancient wisdom in a more refined and usable way than the Andeans, mainly because the Spanish destroyed most of the Andean Quipos, (knotted cords of different colors used by the ancients to store knowledge).

We learned to integrate the wisdom we have gained from India and the Andes to think and act Beyond Logic.

Our astrologer is Blaine Watson who has been an incredible help when it comes to making decisions that we cannot process just with logic. Blaine is an expert in the wisdom from India and Ayurved.

For example, our daughter Elle graduated from University in London with a degree in dramatic arts. Her question to Merri and me was “Should I go for a career in singing or go on and get a teacher’s certificate in Physical Education?” (She was a superb athlete as well as an aspiring singer.)

We all agreed that becoming a singer was a long shot. Teaching was safe. But we knew that her passion was to shoot for being a star. How would she feel in later life if she didn’t try?

We had Blaine check her Vedic chart. He knew nothing about Elle but said at that time she had just moved into a cycle for three years when her best thing would be the performing arts, entertaining, etc. That was enough to convince us. “Go for it”, we said and encouraged her.

Within a week she was picked as a backup singer with Modern Romance, a popular English rock group with many top hits in the UK including the theme song from the movie, “Shrek”.

Her first gig was before 4,000 fans! In the ensuing year she met many of her rock star heroes as work associates. This was an incredible experience for her and led her to buying a franchised performing arts school called Stagecoach, where see now earns hundreds of thousands a year.

May I say with due respect that Eleanor is the last child that we ever thought would be a business woman. No logic could have shown us this. Yet she approached this business with incredible discipline and dramatically expanded the school. In her first year her profits were in six figures. Her second year took her well into six figures. Today at 27 she lives in a very expensive home on the River Thames. She has a new car, new kitchen, everything she wants and an income in the top 5% of the world.

Her success has been beyond logic!

Yet we supported this success based on the realization that every moment there are possibilities that our logic just cannot see. Vedic Astrology helped us tap into a bigger picture.

The inability to measure the results of astrology used to bother me enormously until years ago I read an article about Aristotle Onassis, the ultra rich Greek shipping magnate. He gave the secret of being a billionaire that helped me look beyond my logic. “Certainly one does not need an astrologist to become a millionaire.” Then he quickly added that “to become a billionaire, it is essential.”

Onassis’ statement really struck a chord with me as my many years of residence in Hong Kong had exposed me to many businessmen who looked beyond logic. I heeded the astrological advice because the Chinese businessmen are often considered superstitious due to their belief in astrology. Some might consider their sight beyond logic, offbeat and unreal, but there were more billionaires per capita in Hong Kong than anywhere else in the world!

The more I thought about this, the more it made sense. To make billions one has to take enormous risks and see a big picture far into an invisible future.

We all have to make some decisions based on events we cannot totally predict, but successful billionaires make huge decisions based on enormous unknowns. It requires incredible faith to take incredible risks. None of us can see the whole picture but Astrology, albeit vaguely, helps us see the biggest picture of all.

During economic downturns, times seem even more uncertain. Previous history is of little use so these deeper, more subtle ways of processing information become even more important.

This may be why one of our most popular courses we offer is conducted by Blaine Watson, our Vedic Astrologer. Many of our readers also use Blaine and rave about him.

During times of contraction…those who profit most are those who expand…but in the correct way. This course “Beyond Logic” can help you think better, have more energy, natural health and purity to pursue your inner vision, that sees a bigger picture of health and wealth for all.

I invite you to join Blaine Watson for

Beyond Logic Three Day Course – Dec. 6-7-8 2009 …$749 for one

Beyond Logic Three Day Course – Dec. 6-7-8 2009 …$999 for two

The course fee includes meeting at Quito airport (day before the course)…transportation (by group bus) to Cotacachi and back to Quito. Course fee does not include air fare, accommodations, food or individual transportation.

Stay on and enjoy our Andean real estate tour.

We’ll meet here at the museum and…

at Meson de las Flores.

These are times of rapid change beyond our logic and  hope that the wisdom shared in this course can help you.

Gary

December 9-10, 2009 Imbabura Real Estate Tour

See real estate for sale like this on the Imbabura Andean tour.

On the Imbabura Real Estate Tour… we’ll see new premium houses…

designed by one of Ecuador’s most famous architects who designed the house above and this one…

now being built that you could own at a discount with…

this view through your front window.  Tour delegates can get a discounted price at $70 a square foot.

We’ll see Andean condos and studios in the $40,000 to $50,000 range like this.

with fireplaces and…

views like this.

Learn more about the December 9-10 Imbabura Andean real estate tour here.

Attend two or all three tours at a discount and save.

Attend two December Ecuador seminar or tours…$949 for one.  $1,349 for two.

Free Christmas Shopping Extension

Pay for your tours with Christmas shopping savings

On Saturday December 5th, 2009, we’ll take delegates on an extensive shopping trip to see:

Workshop of Jose Cotacachi. A delegate poses alongside Jose after purchasing the center wall hanging.

We’ll shop all day, plus for reasons of time, space we just can’t visit all the producers in the area on this art and crafts tour so we’ll invite them to Meson de las Flores.

When word gets out we are having an exposition at the hotel so many craftspeople apply that we turn away disappointed artisans because there just isn’t the space.

We’ll see art from Montero.

Artist Montero produces exquisite watercolors for as little as $25 such as those below

Local weavers will display tapestries.

Hand knit woollen sweaters prove a big hit time and time again at $15

Totally natural medicinal and beauty products from the Amazon are distributed by our very good friend Alberto Verdezoto. Prices are eye extremely low.

Mario a local jeweler with fantasy designs always realises several sales of pieces such as those below

Juan produces wonderful pre-colombian designs on recycled card

A local family of musicians make and sell instruments, pan pipes at $2 each at a local workshop

display them .. the large tubular horns at left are small compared to the 35 foot horns used ancestrallt to announce village meetings

……..and then the same group comes to play and dance during supper – using the very same hand made instruments.

Delegates who enroll in any of the December tours above are invited to this free Christmas shopping extension on Saturday December 5, 2009. No Extra Charge.

Here is an Ecuador investing and  business ideas for Ecuador or anywhere you live.

In a moment, I am going to show you how to own this 16 room hotel in Otavalo for almost nothing… maybe even free.

First let’s look at a business idea for this hotel… rootlessness… a growing global problem.

Problems create opportunity so there is business opportunity in rootlessness.

Technology has given mankind the ability to work, live and invest globally… a wonderful benefit.   Yet this mobility has created a problem as well.

One of my messages many years ago (2002) outlined that there would be a growing market for friendship in this modern era.

That message said: The market for friendship has to grow because technology has made society so  mobile. I for example have lost nearly every single really good friend from school.  I haven’t seen most of the friends I grew up with for forty five years. I imagine they still live in Portland, Oregon, but maybe not. They might all have become travelers like myself. Out of a six pack of school buddies, Steve is the only one with whom I keep in touch.

When I moved to North Carolina, I visited the local car mechanic named Jay Dee to have some work done on my 1986 Suzuki Samari Jeep. This is the perfect farm car but often needs work.  Jay Dee’s garage is a barn by his house and local people sort of collect around that barn to shoot the breeze, spit a little tobacco and talk over old times. “Remember old Johnny Blevins and that time he threw you in the creek,” one of them might say. “Well darn that must a been fifty years ago.”

My Samari… 23 years old and only 62,000 original miles.

I love being with these wonderful mountain people and their easy going, friendly ways. They have such deep roots and ties and are comfortable and at ease with their friends. They know who they are, where they are and who their friends are because they have been with them their entire lives. These people aren’t hanging around Jay Dee just to get their cars fixed. They are enjoying a ritual of friendship that has united them since they were kids.

I love this! My friendships are scattered and far flung all over the world. I sometimes don’t get to see my friends for years!

A huge segment (much of the wealthiest) of the population no longer lives where they were brought up. They have lost touch with their roots.  The more technology removes us from our origins, the more the market for togetherness and friendship grows.

Friendship is an extension of togetherness and can develop around many themes. For the mountain folk of North Carolina or anyone who remains rooted in their birthplace the theme is mostly “down home”.

These friendships are tight and if you have ever heard the phrase “You ain’t from around here are ya, boy,” you have experienced the reverse side of this type of friendship. The implication is that with these long term, locally based friendships, the only way to be a friend is to have been there for years.

Some of the years I lived in Gloucestershire, England were spent in a tiny village named Chalford. I lived over  a local pub there, “The Mechanics Arms.” Though I was a newcomer to the area I was accepted as an old timer because of family ties. One man in his sixties, who visited the pub every night however wasn’t quite part of the crowd.

Many of the locals talked about him as the new man in town. I was surprised later to learn he had lived in Chalford for nearly thirty years!  The locals would always view him as less trustworthy because he had not been born and raised there. Childhood experiences were the basis of their deepest friendships.

Many of us will never have this type of long term familiarity friendship.We have moved around too much. This creates markets for many types of new friendships.

Networking is a form of business friendship. The theme of the friendship is scratch my back and perhaps I can scratch yours or we will both be better off scratching each others’ backs. Such friendships can be local, state or country wide or as mine span the globe. They can be very informal or very formal.

The market for formal friendships has already exploded.  Incredible growth of support groups such as AA are a sign of the momentum in the friendship market. Such groups offer a format for formal friendships and range from disease support groups to abused support groups. Each offers an organized way to have friends. The growth of these groups is not because there are more problems than thirty years ago. The growth is because of the increasing market for friendships.

We can see this trend spreading everywhere. For example one telephone company has recognized this growing trend and has successfully built its business around the idea of calling “family and friends.

This thought (that a market for friendships would grow) was correct.  We see this on the internet with one of the biggest trends being social networking sites.

A recent New York Times article, “Invisible Immigrants, Old and Left With ‘Nobody to Talk To” by Patricia Leigh Brown reveals a sliver of this problem.

Here is an excerpt from this article:   They gather five days a week at a mall called the Hub, sitting on concrete planters and sipping thermoses of chai. These elderly immigrants from India are members of an all-male group called The 100 Years Living Club. They talk about crime in nearby Oakland, the cheapest flights to Delhi and how to deal with recalcitrant daughters-in-law.

Together, they fend off the well of loneliness and isolation that so often accompany the move to this country late in life from distant places, some culturally light years away.

“If I don’t come here, I have sealed lips, nobody to talk to,” said Devendra Singh, a 79-year-old widower. Meeting beside the parking lot, the men were oblivious to their fellow mall rats, backpack-carrying teenagers swigging energy drinks.

In this country of twittering youth, Mr. Singh and his friends form a gathering force: the elderly, who now make up America’s fastest-growing immigrant group. Since 1990, the number of foreign-born people over 65 has grown from 2.7 million to 4.3 million — or about 11 percent of the country’s recently arrived immigrants. Their ranks are expected to swell to 16 million by 2050. In California, one in nearly three seniors is now foreign born, according to a 2007 census survey.

Now let’s look at this 16 room hotel in Otavalo that you can have for almost nothing… maybe even free and how it could offer a business that solves this problem.

First, let me detail the hotel and why a fabulous bargain has come up… and how this hotel can fit into the friendship market.

This  is an really good Ecuador income opportunity, a…

hotel for sale in Otavalo.

The owners have had this on the market for a number of years at one million dollars. We thought this price was too high and never wrote about it.

Earlier this year they dropped the price to $750,000 and offered us $150,000 commission if we sold it. I wrote then:  The owners offered us a $150,000 commission to sell the hotel. We are not brokers and do not take commission so our reply was “cut the price for our readers”!  This would place the price at $600,000… an interesting value.

$600,000 may have been interesting but the owner now just emailed us and dropped the price to $495,000.  This places the price beyond  an interesting value into the bargain range.

Plus the owners again offered us a commission.  We do not take commissions so whatever (how much commission was not clear) amount they would pay could be deducted from this price.

This makes the hotel a real bargain.

At $750,000 the commission of $150,000 was 20%.  We don’t know of course about the commission, and I didn’t want to wait to verify this because this hotel is valuable, beautiful and it could  work out at about $35 a foot on the building and leaves you the land (which right next to Otavalo market is worth a lot).

Yet there is more. I believe you can get the land and the 16 room hotel for almost nothing.

I’ll explain how below.

First: the hotel details. The hotel is right next to Otavalo Market, one of the largest tourist attractions in Ecuador.

The property has these characteristics:  Appx. 30,000 sq. feet of  land and 12,000 sq.  feet of  building in 3 apartments and 16 hotel rooms.

Property Details:  The property consists of approximately 30,000 square feet of land, with trees, gardens and many types of exotic birds.  The gardens…

are large… well groomed and…

have a wonderful patio.

Ma too likes it there.

There is approximately 12,000 square feet of solid brick and cement construction.

On the property, there is plenty of room for expansion and development, especially in a town where there is absolutely no land left to develop.  The building is built in the old colonial style with finely crafted hardwood arched windows and doors, rustic floor tile and traditional clay-tiled roof.  The building is constructed according to U.S. anti-seismic standards.

The owner claims this is one of the best built constructions in Otavalo—and one of the prettiest in the city!

The building boasts excellent water pressure on all four floors. (Please don’t pooh pooh this quality!) The building has a powerful, propane gas-fueled boiler system capable of producing up to 700 gallons of hot water a day.  With access to the land/building from two streets, the property has frontage on 3 streets, which have been newly paved by the City of Otavalo.

Characteristics:  16 rooms, large social area (restaurant), large working kitchen, two medium-sized apartments, one large penthouse apartment, small building in back (approximately 250 square meters) that serves as a laundry room and storage facility, which also has a full bathroom and a working fireplace.  This could easily be converted into a small rental property.  Adjacent, yet private, to the main property, and which consists of 350 square meters of our total property, is a working area and parking garage (which can accommodate approximately 6 cars), with clothes lines, and general storage area.

First floor: Consists of large working kitchen, with back door exit to outdoor enclosed pantry/food storage room, laundry area and herb garden.  There is a large dining room (approximately 2,500 square feet) with excellent working fireplace, and space to comfortably entertain 60 or so people.

Reception.

Restaurant is beautiful also.

The dining room leads outside onto the tiled patio and garden where there are tables and chairs for serving and relaxing, and this area may be used to accommodate another 30 or so people.  Also on the first floor there are 8 rooms which have served as hotel rooms, each 55 X 45 feet  in size with large bathrooms.

All rooms face out into the garden and the property is in front of Mount  Imbabura.   Hundreds of hummingbirds and exotic birds roam the grounds.

Patio seen from one of the three apartments.

Hotel room…

shots.

Second floor: There are two spacious apartments, each about 1,100 square feet in size, with glass windows looking down onto the garden.

Apartment #1 view…

Apartment#1 bedroom.

Apartment #1 Living room

and kitchen.

Each apartment has a large bathroom and a kitchenette with small balconies in the back.  Also on the second floor there are 8 more rooms, equal to the rooms on the first floor, that open onto a balcony over-looking the garden.

Apartment #2 living room

Bedroom.

bathroom.

Third floor:  There is a very large “penthouse” apartment, approximately 2,250 square feet with large glass windows and a large balcony overlooking the garden.  This apartment has one bathroom with a small adjacent room that may be converted into a sauna, large spacious kitchen and living room, two large bedrooms, and a large working fireplace.

Penthouse…

views.

Penthouse.

Penthouse fireplace.

Kitchen.

Penthouse bedroom.

Extra room.

Penthouse bedroom #2.

The Roof: The penthouse apartment has stairs that lead to the roof, where there are two 5,000 gallon reserve tanks for storing water (if needed), as well as more storage space.  As stated before, there is excellent water pressure on all 4 floors.  Also includes a solar hot water system which connects into the boiler system.

Two 5,000 gallon water storage tanks…

plus solar water heater.

This is an excellent facility with wonderful grounds in a high priced area..

Let’s look at the owner’s explanation of why they have lowered the price… then we’ll see how to get this hotel for almost nothing.

Hello Merri and Gary,  This is Margaret from Ali Shungu in Otavalo. I have been living up here on the mountain for about 6 months full time, going back and forth to the Hotel.  I feel better up here in my little house with my projects.   I have been recovering from an illness and have been in the hospital in Quito. They said that if this diverticulitis does not clear up, and it has been bad for about 6 months with 3 months of vomiting, fever, etc.,–that I will need an operation to remove it.  I’m drinking all kinds of herbs and aloe vera cactus and only boiled simple foods, and hoping to heal without an operation.  Did 2 rounds of antibiotics, might have to do more…….I will say though, that the hospital bill was not that bad in Voz Andes for all the tests that I had and treatments, etc.   I will now take care of myself more, and do more praying!  I might need intravenous antibiotics but I do not want to go back to the hospital in Quito.

There you have it… a owner whose health no longer allows them to run the hotel nor wait out a high priced buyer.

Here is how to get this 16 room hotel for almost nothing. I believe that the three apartments, if separated from the hotel and sold on their own, are worth near the price of the hotel.   I do not know the Otavalo real estate market so well…but I have seen the apartments and penthouse and they are exquisite.

If they are and if you can buy this for hotel in the $400,000 range… this means the 16 room hotel, the grounds and the restaurant are almost free.

This will require some negotiating, some work and legal work  (Ecuador lawyers are not very expensive)… but could provide one heck of a deal.

We have put our Ecuador Living subscribers in touch with the sellers.  To gain this contact information you can subscribe to Ecuador Living here.

If the hotel is not under offer, we’ll show it on our upcoming October Andean Real Estate tour.    See tour details here.

Merri and I are not involved financially in any way with this offer.  We have not looked at the hotel’s financial accounts, legal situation, titles, nor had an engineering inspection, so be sure to take all normal precautions if you are interested.  Especially look at the labor obligations you’ll absorb.

Our recommendation for those who are interested in Ecuador is to come visit first… look around… rent and stay awhile… before you buy.  One reason for this recommendation is that when you are here awhile you’ll see bargains… like this and I believe for the reasons stated that Hotel Ali Shungu is now a bargain.

Now let’s see how this creates opportunity from the problem of rootlessness.

Americans and Canadians are flocking to Ecuador.  I know.  Our Ecuador Living business is going wild.  The subscription pace has almost doubled recently and the request for rentals in this area has skyrocketed past our ability to keep up!

The demand is especially strong at the lower income level… those who are retiring and can no longer have a decent life in Canada or the US… especially in places where there is winter sun.

There people are isolated… often not speaking Spanish and with little to do.   So Turn this hotel into a residence for gringos. Provide free internet… US papers…. weekly Spanish lessons… a support program… group tours, travel assistance etc.

There is one more value.  Yesterday’s message How to Make Money in this Multi Currency Era explained how, due to the falling US dollar, Ecuador real estate has become a 10% better value since this last February.

Gary

The greatest asset of all is the ability to earn globally in many currencies.

This is why we are providing a special three for one offer with our  course Tangled Web… How to Have an Internet Business that can help you create your own internet business.

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

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

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

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

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

Even Better Get All three Courses Free

To make this offer even more compelling,  I am giving everyone who enrolls in our North Carolina or Ecuador International Business & Investing seminar in October or November all three courses, “Tangled Web… How to Have an Internet Business Course,”  “Self Fulfilled- How to be a Self Publisher” and “International Business Made EZ” free.

Join us with Jyske Bank and my webmaster David Cross in West Jefferson North Carolina. Learn more about global investing, how to have an international business at the seminar.

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

Or head south to Ecuador!

October 16-18 Ecuador Southern coastal tour

Oct. 21-24 Ecuador Import Export Tour

Oct. 25-26 Imbabura Real Estate Tour

Join us with Peter Laub of Jyske Global Asset Management in Ecuador. Learn more about global investing, how to have an international business at the seminar.

Nov. 6-8 IBEZ Ecuador Seminar

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

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

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

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

Read the entire article Invisible Immigrants, Old and Left With ‘Nobody to Talk To here.

The US and Ecuador property market offers a rare opportunity to make money in this multi currency era. Here is an excerpt from a recent multi currency update.

Two economic forces have come together to create extra special profits.

I know because the same  combination occurred in London during the late 1970s and allowed me to increase an investment eleven times in two years by buying property then.

Earlier in 1970 I had lived in London, England for a year, then moved to Hong Kong. During that time I also maintained a home outside of San Francisco, California.

This was a time of great inflation. My homes in California and in Hong Kong appreciated greatly. In the mid 1970s, when I moved from Hong Kong back to London, I noticed that London real estate was priced about the same as it had been in 1970. This puzzled me. Why had London property prices remained flat despite inflation?

On investigation, I learned that there had been a huge real estate crash in 1970 which continued to dampen real estate prices six years later despite the rampant global inflation. I felt this was a great distortion as European property prices had risen, but London prices had not. Yet London offered the best utility as the center of the English speaking world. This, to my way of thinking, created a huge distortion.

It’s late 1976. Britain faced  a sterling crisis. In less than two years the pound has fallen from $2.40 to $1.60. Investors had no faith in the British economy, or the government that ran it. The government’s budget was a mess.  Investors  were ditching the pound.

The plummeting pound pushed the economy to breaking point. Prime Minister Callaghan, in desperation borrowed as much as possible, £2.3 billion from the IMF.

At that time, the British pound collapsed to its lowest level ever (a pound per dollar for a short time) so the distortion widened. This meant in US dollar terms London property had dropped almost 50% while property in other major cities of the western world had increased in price by three or four times.

The house I bought was right next door and very similar to this house in Bedford Park, London W4.

This house in West London was 34,000 pounds, 9,000 pounds down (then $9,000).   I took a mortgage for 25,000 pounds ($25,000).  I lived in the house and three years later the pound had recovered to 2.2 dollars per pound plus London real estate had caught up with property in other major western centers. I sold the house for 115,000 pounds or $253,000 a profit of $244,000 on a $9,000 investment.

Now it’s the US dollar that is very low.

You will have seen articles something like the the September 7, 2009 Bloomberg article “Weak Dollar? Currency, at 10-Year Low, May Fall More” by Bo Nielsen.

An excerpt says: Anyone who says the dollar is weak after it fetched a record-low $1.3681 against the euro and the fewest pence against the pound in 25 years is expressing a euphemism.

The currency may decline at least another 10 percent by the end of 2008, say Jay Bryson, an economist at Wachovia Corp., and Kenneth Rogoff, the former chief economist at the International Monetary Fund. The dollar has only fallen 3.4 percent in the past two years to a 10-year low, according to a Federal Reserve index that weighs trade with 38 countries including China, Mexico, Canada and countries in Europe. It tumbled 30 percent in the three years ended 1988.

“Dollar weakness will be broad-based and could last for years,” said Bryson, a global economist at Charlotte, North Carolina-based Wachovia who previously analyzed currencies at the Federal Reserve.

Investors are dumping dollars, lured by higher returns elsewhere. The U.S. will grow more slowly than Europe for the first time since 2001 and Japan for the first time in 16 years, the IMF forecasts. The difference in yield between 10-year German bonds and Treasuries has shrunk to the smallest since 2004.

Those who read this site regularly or subscribe to our multi currency course know that I reported my personal portfolio and recommended getting out of the US dollar in February 2009. See that recommendation here.

I showed that my portfolio was 86% out of the greenback.

My liquid portfolio currency allocation was reported as Brazilian real  4%,
 Denmark kroner  33%
,  euro 31%
, British pound 10%
, Turkey lira 8%
, US$ 14%.

I also mentioned in February that I was going to start buying Florida real estate.

So Merri and I began looking and in our research found that there appears to be a hole in the market for Central Florida property selling in the million to $750,000 range.  There seems to be no buyers at all. We have been watching prices tumble hundreds of thousands.

We are viewing one property next week that started at $800K+. It just dropped $100,000 last week from $395,000 and is now down to $295,000.

This is about a 25% drop in that house’s price in six months. That’s pretty good!

Now look at what this means in depreciated dollar terms.

Here is a chart of the euro to US dollar from yahoo.finance.com from February 2009 to September 10, 2009 when this was written.

In February a US dollar bought .80 euro so that house at $395,ooo cost 319,200 euro.  Now a US dollar buys about .68 euro so this house at $295,000 costs about 200,000 euro.

That is a drop in that house price of 37% in six months in terms of euro. That’s even better!

Here is the magic in this hidden, built-in profit.  For most of the market, the profit is hidden.  Most investors are not comparing currencies and real estate prices.  Yet these distortions will filter through. Eventually European investors…. or those like me who are holding currencies other than dollars will see this distortion and cash in.

I, and now you, just have an advantage because we are always looking at both markets… currency and real estate.

Ecuador Real Estate Cheaper as Well

This also creates better value on Ecuador real estate. Take for example one penthouse property I am selling at $139,000.

This is a perfect property for those who want peace… quiet…and instant access to miles of empty, warm Pacific beach.

This two room, top floor penthouse is at Palmazul and includes use of the the swimming pool, tennis courts… and spa.   You can dine here, one floor below.

The units are fully equipped… kitchen…

with full size fridge.

Living room…

with a view…

leading…

to large private balconies…

with these views…

and sunsets to kill for.

Long walks on the beach… you can amble at low tide for ten miles and not see a soul.

Luxury bathrooms with bathtub…

and a king size bed with view and caressed by the ocean breeze.

This unit would have cost 111,000 euro in February. Now the price has dropped to 94,500 euro… just from the dollar’s fall.

The US and Ecuador property markets offers a rare opportunity to make extra profit now because of hidden added value from the US dollar’s fall. History suggests that real estate is a real asset so its price rises as the currency its counted in falls.

These corrections take time because most property owners do not calculate their property in multi currency terms.  Those of us who watch this can gain extra profit now.

The article above is an excerpt from a recent Multi Currency update. Learn more about multi currency investing. Subscribe to our multi currency course.

Gary

The greatest asset of all is the ability to earn globally in many currencies.

This is why we are providing a special three for one offer with our  course Tangled Web… How to Have an Internet Business. This can help you create your own internet business.

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

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

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

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

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

Even Better Get All three Courses Free

To make this offer even more compelling,  I am giving everyone who enrolls in our North Carolina or Ecuador International Business & Investing seminar in October or November all three courses, “Tangled Web… How to Have an Internet Business Course,”  “Self Fulfilled- How to be a Self Publisher” and “International Business Made EZ” free.

Join us with Jyske Bank and my webmaster David Cross in West Jefferson North Carolina. Learn more about global investing, how to have an international business at the seminar.

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

Or head south to Ecuador!

October 16-18 Ecuador Southern coastal tour

Oct. 21-24 Ecuador Import Export Tour

Oct. 25-26 Imbabura Real Estate Tour

Join us with Peter Laub of Jyske Global Asset Management in Ecuador. Learn more about global investing, how to have an international business at the seminar.

Nov. 6-8 IBEZ Ecuador Seminar

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

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

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

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

Read the entire articles:

Weak Dollar? Currency, at 10-Year Low, May Fall More

Dollar Is Near Lowest in Almost Year as Borrowing Costs Plunge

Here is an important Florida Ecuador Connection.

Back in 2000 everything in Ecuador looked really bleak.  The country ran out of gas. All the banks shut down. here were demonstrations in the street.  A huge part of the population fled the country.

What an opportunity!

Having lived again and again in places where problems create opportunity… I look for trouble!   I began my business career  in Hong Kong in 1968.  There were communist riots and bombs being set off in the streets. The Chinese army was massed on the border. Life went on. We all figured out the fastest route to the British and American war ships in the harbor for a quick exit. We watched out for boxes in the street. Then we just got busy with life.  Those who stuck around and bought property and businesses made absolute fortunes.

Then I moved to London, a much quieter, safer, steadier place was expected.   Yet there were huge problems there.  The IRA started setting off bombs in the subway and around town.  They even shot some mortar shells at #10 Downing Street!  Ted Heath caused a general strike and the pound sank to $1 per pound!  The IMF was even needed to offer  economic support to bolster the pound.    I gathered my pennies and bought London real estate at the very bottom.  Those who joined me made fortunes once again.

Then during the 1980s US recession I jumped in again buying Naples, Florida real estate  that over the next 20 years skyrocketed… until it was so high… we exited. Proudly (lucky really) we sold our last condos in Naples in April 2007… just before the market began to crash.

The profits on these went immediately into more Ecuador property.

“Life goes on” is also a financial message.

If you have been in despair about our economy, you might be wondering if things can ever revive. Yes, they can and will! Life and business will be a little different, but mankind carries on. Living in the United States we’ll have to be a little more cautious but the western world will survive. Economies will continue to grow in an up and down way as they have for hundreds of years.

Once you believe this… you see troubled places with delight.

So when everything headed south and the economy tanked, I could not wait to get started in Ecuador. Merri and I created an an active Ecuador business, plus began buying property.   We bought a 962 acre hacienda, condos in the mountains, a house, a hotel, a four story office building plus condos and apartments on the beach.

This is why I am slathering over Florida.   Previous messages at this site have looked at our quest to buy Florida property again.

As I read the recent New York Times article by Michael F. McElroy “After Century of Growth, Tide Turns in Florida” I was reminded why. Here is an excerpt:  HOLLYWOOD, Fla. — The smiling couple barreling ahead on the cover of Liberty magazine in 1926 knew exactly where to go. “Florida or Bust,” said the white paint on the car doors. “Four wheels, no brakes.  So it has been for a century, as Florida welcomed thousands of newcomers every week, year after year, becoming the nation’s fourth-most-populous state with about 16 million people in 2000.

Imagine the shock, then, to discover that traffic is now heading the other way. That’s right, the Sunshine State is shrinking.  Choked by a record level of foreclosures and unemployment, along with a helping of disillusionment, the state’s population declined by 58,000 people from April 2008 to April 2009, according to the University of Florida’s Bureau of Economic and Business Research. Except for the years around World Wars I and II, it was the state’s first population loss since at least 1900.
“It’s dramatic,” said Stanley K. Smith, an economics professor at the University of Florida who compiled the report. “You have a state that was booming and has been a leader in population growth for the last 100 years that suddenly has seen a substantial shift.”

The loss is more than a data point. Growth gave Florida its notorious flip-flop and flower-print swagger. Life could be carefree under the sun because, as a famous state tourism advertisement put it in 1986,

“The rules are different here.”

But what if they are not? Or if those Florida rules — an approach that made growth paramount in the state’s sales pitch, self-image and revenue structure — no longer apply?

“It’s got to be a real psychological blow,” said William H. Frey, a demographer at the Brookings Institution who predicted that census data in December would confirm the findings. “I don’t know if you can take a whole state to a psychiatrist, but the whole Florida economy was based on migration flows.”
Recall what once passed for normal. Florida grew from 2.8 million people in 1950 to 6.9 million in 1970, and by about three million people each decade after that. Even during stagflation in the ’70s, Florida added about 200,000 people a year. More recently, from 2004 to 2006, Florida added about 1,100 people a day, as housing construction’s proportion of the state economy grew to twice the national average.

Now consider Broward County in 2009. The county, between Miami and Palm Beach, was one of the first areas to shrink — losing 21,117 people from April 2007 to April 2009, according to University of Florida data — and its experience offers a glimpse of what could be on the way elsewhere.

Now, we are selling several Ecuador properties to plow back into the “Sunshine State.”

I believe in Florida for one of the same reasons I believe in Ecuador… sunshine… warm weather in the winter.  This is the Florida-Ecuador connection.

I also believe in Ecuador as one of the closest to Florida, practical, low cost places to live with something even better…year round great weather!

Anyone interested in buying Ecuador property, let me know… I bought at really low prices so have some excellent real estate for sale at c0mpetitive prices.

Also if you have Florida property for sale let me know also… in the Central Florida area. (We are not returning to South Florida.)  I am looking….buying and may even swap.

Most investors traditionally run from bad times! But this very fact creates value investing opportunity. Few times has a real estate market been as badly hit as in Florida.   Ecuador real estate continues to appreciate as gringos leave the US and head for points south…but this part of the US south offers great potential now as well.

Regards,

Gary

The greatest asset of all is the ability to earn wherever you live, which brings everlasting wealth.

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

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

This is why I am giving everyone who enrolls in our North Carolina or Ecuador International Business & Investing seminar in October or November our “Tangled Web… How to Have an Internet Business Course” (offered at $299) free.

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

Sept. 17-21 Ecuador Super Thinking + Spanish Course

Sept. 23-24 Imbabura Real Estate Tour

Sept. 25-28 Ecuador Coastal Real Estate Tour

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

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

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

Oct. 21-24 Ecuador Import Export Tour

Oct. 25-26 Imbabura Real Estate Tour

Nov. 6-8 IBEZ Ecuador Seminar

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

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

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

Read here the entire article After Century of Growth, Tide Turns in Florida

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

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

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

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

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

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

My attorney wrote this to me:

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

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

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

Learn how to subscribe to Ecuador Living here.

Hence my mantra to have what I call a “Six Point Command Posture” which is to:

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

Where to Bank

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

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

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

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

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

Here’s an excerpt from a 13, June 2009 Telegraph article entitled “Lloyds Bank hit by Obama tax purge” by By Louise Armitstead:   Banking group drops American customers in UK ahead of costly proposals to stamp out tax evasion  Lloyds Banking Group is ditching American customers based in Britain pending a crackdown on international tax evasion planned by President Barack Obama.

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

One letter sent to Bank of Scotland’s portfolio management division, which is now part of Lloyds, said: “The USA has a mature regulatory environment governed by its Securities and Exchange Commission. These regulations mean that we are not licensed to manage portfolios for US clients.”

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

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

The Brits are no the only group shedding US account holders.

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

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

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

The Dutch were early in dropping American clients.

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

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

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

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

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

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

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

Case study: Cast out in the supermarket

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

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

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

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

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

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

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

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

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

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

There are two levels of managed accounts for US investors:

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

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

There are two forms of advisory accounts for US investors.

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

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

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

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

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

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

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

JBPB works with six profiles:

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

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

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

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

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

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

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

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

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

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

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

Gary

The greatest asset of all is the ability to earn wherever you live, which brings everlasting wealth.

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

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

This is why I am giving everyone who enrolls in our North Carolina or Ecuador International Business & Investing seminar in October or November our “Tangled Web… How to Have an Internet Business Course” (offered at $299) free.

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

Sept. 17-21 Ecuador Super Thinking + Spanish Course

Sept. 23-24 Imbabura Real Estate Tour

Sept. 25-28 Ecuador Coastal Real Estate Tour

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

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

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

Oct. 21-24 Ecuador Import Export Tour

Oct. 25-26 Imbabura Real Estate Tour

Nov. 6-8 IBEZ Ecuador Seminar

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

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

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

Read the full articles:

Lloyds Bank hit by Obama tax purge

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

Barclays bank rejects customers to comply with US terror law

Few people know about the Ecuador pain reduction center in Cotacachi.

Merri and I love to be outdoors.  Here we are riding the Virginia Creeper Trail with our daughter Eleanor. 

Yet for some time my hiking and riding had been hindered by pain. I found something exciting to resolve this pain.  Learn about it below.

Here I am hiking with our hound Ma…

In these mountains above Lake San Pablo and Otavalo.

Ecuador has a pain secret.

Here I am hiking with Merri and Ma in NC.

I get numerous letters from readers like this.

Hi Merri, I wanted to thank you once again for your recommendation
 that I try Sol de Vida. I have had time for thirteen treatments but 
now it’s time for me to return home. The people there are wonderful 
and I’m happy to say there has been a dramatic improvement in my
 (used-to-be) “bum” leg. I can now walk much longer distances and 
remain pain free!

Every pain free day in life is a gift…a fact that in the hustle and bustle of living is easily forgotten.

I know from experience.  See www.garyscott.com car crash if you missed how a car crash over 40 years ago created pain for me.

The crash broke my knee and back…but I did not know. (This was added to a serious whiplash gained the year before.) 30 years later was when I finally found out about the back. The knee was discovered just s few years ago after a chain saw accident to the same knee needed Xrays. The Xrays  showed that previous break.

The wreck was in the 1960s. People were not so careful then.  This had been a simple car wreck. No one was killed. There were things to do. So next morning I was back to work. That night (I was working my way though college) it was “back to school” and that was that.

Not surprisingly a decade later, at the ripe age of 30, my back pain began. The day is easy to recall. We had moved to London, and I was driving down Wigmore Street in a brown Audi with a business associate. The simple task of turning onto a side road was all it took. I was seized by an agonizing back spasm. I could not get up, could not walk, nor move, nor lie down, nor sit, nor move without stabs of intense pain. Staying in bed for a couple days just made it possible to move.

This did not end the pain.

The problem grew. Again and again the simplest task would throw my back agonizingly out of whack. Finally in desperation I went to Harley Street back specialists.

They poked, prodded, took blood tests and did all types of things. Funnily not one Xray was used. The final diagnosis was “Creaky Joints.” “Some people just have it,” he said. “We can’t do a thing except give you cortisone shots. But let’s wait on this as long as we can.” I fled and lived with continual pain and occasional bouts in bed for the next five or six years.

During this time Merri’s holistic and natural living influence grew in my life. She suggested an alternative doctor who used acupuncture.   After one especially bad bout that left me lying in bed I was ready to try anything. This was the 1980s and such treatment was still considered off beat in the West.

Having lived in Hong Kong for six years, I was open.  Plus pain will open your mind to just about anything.

The doctor put four or five needles in my arm. I was skeptical…until….the pain literally melted away!

To this day over 20 years later that feeling of relief is still with me.  I have never had the “laid up in bed” pain again. The continual pain then had been such a daily habit that I felt very strange when I left that chiropractor’s office….not that I was craving to have it back!

Nor has it come back with any intensity in all these years.

However three years ago pain did return to my left hip and grew, not intense, sudden pain but a nagging ache that never let up… sort of like a toothache.

Then one of our helpers at the Meson de las Flores sent me this note: The Sol de Vida spa on the outskirts of Cotacachi has a naturopath who comes to Meson. He is nothing less than a revelation. Everyone here recently had a treatment with him including me. He set up a consulting room in room 114 and one by one ALL of our guests proceeded in. I took the last turn but also translated for the others and learned a lot!

He charges $10 for the diagnosis and then $5 or $10 for a treatment. I asked our guests how they rated his services for value on a scale of 1 to 10. All agreed he is a 10! He is very kind, softly spoken and has a gentle sense of humor.

He is an MD who has branched into alternative healing and has studied with Chinese and Indian doctors. Here he is below;

He first takes your general history, then your blood pressure and pulse. His pulse reading uses Chinese techniques to gather information about the vitality of your organs. Depending on what he finds, he may also use a pendulum to discover how much energy you have at your Chakra points.

He uses a variety of techniques to re-balance you including magnet therapy, lymphatic drainage massages, color therapy, reflexology and acupressure.

He also uses heated herbal wraps on the forehead and shoulders as well as therapeutic massages with essential oils. He recommends natural remedies and supplies them at a later date if he doesn’t have them with him.

Two of our guests were so taken that they have had 3 treatments with him in less than a week. He helped another client by fine-tuning the focus of his healing efforts and pinpointing what to work on.

Another guest stated ‘the treatment was wonderfully enjoyable and very helpful because I now better understand the imbalances in my body and specifically how to handle asthma’.

I decided to try the Sol y Vida myself.

After an examination I was prescribed 15 days of four treatments a day… electric stimulation…. infra red…. ultra sound and electro magnetic.

After the treatments, the pain disappeared and has three years later never returned.  My total cost was $10 for the examination and two dollars a day for all four treatments.  In all I paid just $40.

Now this Ecuador pain center has moved to within walking distance of Meson.

Ecuador Living subscribers can learn about the new Ecuador pain center here.

Learn how to be an Ecuador Living subscriber here.

Here I am hiking with friends in Ecuador on the nearby crater lake.

Here is a Pain Reduction Idea

Our Super Thinking + Spanish course is about much more than speaking Spanish.

This course is about tapping the reserves of the mind.   The ability of the human body and mind is virtually limitless.  Merri who developed our course was trained by Dr. Georgi Lozanov, the Bulgarian master of education, and he called his system “tapping the reserves of the mind”.

Lozanov, a Bulgarian doctor and psychiatrist, didn’t start out to be an educator. He set out to study the nature of man, of the human being in all its potential. He concluded that we are only using a fraction of our capabilities. Lozanov devised ways to open the reserves of the mind and, as a doctor, put them to work to improve the body, to heal mental and physical disease. But in investigating what the whole human being can do, he couldn’t help being drawn into creative and intuitive areas. Then still investigating almost by necessity, he became the leading parapsychologist in the Russian Empire. He realized that with these techniques, the average person could develop Super Memory, could learn factual information with unheard of ease.

From this background in the 1960s, the entire USSR began to flourish. Thousands learned languages in 24 days.  Skiers returned home from Switzerland and the Olympics with the Gold and Silver Medals.  Bulgarian children came home from their ordinary schools in their ordinary streets learning in one month that which previously required one year.

Superlearning methods always see us whole, in the round.  They have something else in common that’s hard to explain because they are not straightforward.  When we begin to operate more as a whole, seemingly inexplicable things can happen.

A woman studying a foreign language suddenly finds her sinus trouble has disappeared. A man learning chemistry realizes his intuition has accelerated. An athlete doing body-training techniques finds his concentration improved in mathematics.  As obstructive divisions dissolve, all areas of the person can be strengthened learning, better health…. the elimination of pain.

Here is the pain reduction idea.  Attend our  Super Thinking plus Spanish course this September and visit the pain reduction spa at the same time.

Combine the power of awakening your mind body potential and this natural approach to relieving pain.

Our course schedule gives you time to do both and we’ll be happy to help you make an appointment with the MD.

See details below.

Gary

Sept. 17-21 Ecuador Super Thinking + Spanish Course

Sept. 23-24 Imbabura Real Estate Tour

Sept. 25-28 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

The greatest asset of all is the ability to earn wherever you live, which brings everlasting wealth.

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

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

This is why if you attend our Ecuador Super Thinking plus Spanish seminar in September I will email you our Tangled Web… How to Have an Internet Business Course (offered at $299) free.