Tag Archive | "USA Today"

Go Try Things


Here’s a phrase that can make your life better with everlasting wealth … Go Try Things!

This phrase can help you grow richer, feel better and be healthier… beginning right now.

gary scott writer

Here I am working at home trying to explain the importance of this phrase “Go try things”… which sums up why you not only can but should gain the benefits of an international business.

Perhaps the importance of what should be shared began in Hong Kong about 44 years ago.

A warm South China Sea fog swept up the mid levels like a spider’s  web in fast air. …then hung like a moist blanket over the thin ribbon of asphalt that snaked the ridgeline through the jungle ahead. Low city rumbles blunted the green tropical freshness and fought nature’s cacophony of dawn.

Bowen Road runs flat as a pancake through the mid-levels of Hong Kong.  I lived there for several years decades ago and took early morning runs most days.  Arriving shortly after my 21st birthday, my task was to build a sales team that sold American mutual funds to the Hong Kong Chinese. That turned out to be a bad idea. The Hong Kong market was booming and the US stock market dead.   Yet just trying this, led me into the business of writing about how Americans could invest in Hong Kong. Many of my readers made fortunes and for me, a career was born.

A decade later after a move to London… distortions were spotted in the cost of Manx corporations.  This led me shortly to the Isle of Man… overlooking Douglas Bay… a brisk ocean air off the harbor carried mournful seagull songs into our room at the Palace Hotel.  I was looking for cheap corporations but found a real estate treasure instead.  Years of real estate tours helped readers start businesses there and they picked up unimaginable profits… because we tried some new things.

However Britain’s gray winters soon drove me to the sun. I found myself watching sun rays sparkle on the emerald prisms of cool, spring fed pools. They reflected and danced, rainbows that glimmered on towering mahogany, banana, stately palm. Green vistas shimmered, easy paced in the afternoon sun and sweet, tropical perfumes floated in the breeze.

Merri, and I were sitting on a huge veranda, overlooking a vast expanse of lush, green, countryside watching our kids joyfully ride their horses up the mountains in the Dominican Republic. A tropical breeze flowed over the porch cooling the sunny afternoon.  My portable laptop computer sat before me. Working, I had dozed off, lulled by katydid songs, the soft breeze and my lost thoughts.   That was work and the sudden realization of how wonderful that work was shocked me into understanding that having an international business is the best way to security, wealth, freedom and fulfillment in life. That realization was the foundation of our seminars on how to have a micro business and that trip came because we were searching for new places and trying new things.

Since then thousands have attended or taken the correspondence version of this course all over the world.  In the process of trying to find new places, 15 years ago we stumbled onto Ecuador… the best yet.

Our business has evolved over 44 years from Hong Kong to London to Europe to the Isle of Man to the Dominican Republic to Florida to North Carolina to Ecuador.  Each time because we were trying things of interest and fascination to us.  Not once did the business turn out how we expected… but always there was some success… happy customers…. good deeds…. great service… profit… fulfillment and adventure all originating from just trying some things.

Delegates to our seminars have improved their lives, gained greater independence, increased financial safety and dramatically gained more freedom to lead the type of life they desire…all because these delegates after our courses “go try things“.

So I sat straight up and started writing yesterday morning after sitting round the pool and reading the January 2012 USA Today article entitled “THEY WON’T QUIT” by Janice Lloyd which summed up the vast importance of trying and the benefits you can gain when you “go try things”.

The article is as follows  (Bolds and underlines are mine):  Experts say Baby Boomers are starting to work past conventional retirement age, a trend fueled by an uncertain economy, improved health in older life and an understanding that staying engaged leads to a better sense of well-being.

Hitting 65 and “getting the gold watch” is not on the must-do list anymore for many people, says Jacquelyn James, research director at the Sloan Center on Aging and Work at Boston College.

“Their emphasis isn’t just to keep working but to do things that add life to years and not years to life,” James says. “People who are very work-oriented and love their jobs don’t want to give them up, especially if they’re healthy.”

An April Gallup survey had similar findings: 534 working people were asked whether, when they reached retirement age, “you think you will continue working and work full-time; continue working and work part-time; or stop working altogether?” Those who answered that they would continue to work were then asked, “Would you do it because you want to, or because you will have to?”

•18% said they would work full-time, and a third of those said it was because they wanted to, not because they would have to.

•63% said they would work part-time; almost two-thirds of those said they would do it because they wanted to.

•18% said they would retire and stop working altogether.

The average age of retirement is 64 for men and 62 for women, according to an analysis of Census data by the Center for Retirement Research. Census data also show the number of Americans living to age 90 and beyond has tripled in the past three decades to almost 2 million and is likely to quadruple by 2050.

“People are beginning to realize that if you retire at age 60, you could easily spend 35 years in retirement,” says Richard Johnson, senior fellow and director of the program on retirement policy at the Urban Institute. “And that could get tedious.”

There are other reasons to stick it out.  Job satisfaction grows with age, Johnson says: 90% of workers age 60 to 64 agree or strongly agree that they enjoy going to work, compared with 95% of workers 65 to 69 and 97% of workers age 70 and older, according to the Retirement Project of the Urban Institute.

Stress levels also drop on the job. About one of three workers age 70 and older agree or strongly agree their jobs involve a lot of stress, compared with more than half of workers age 60 to 64.

“There isn’t a script for 65 anymore. We recommend the same thing we tell people in their 20s: ‘Go try things.'”

This is why we would like to help you make your life better with a funky micro business and why we have expanded this focus in our business seminars.

The USA Today article goes on to point out: “People are being given rotten advice to slow down, take it easy, stop worrying and retire,” Friedman says. “The Longevity Project discovered that those who worked the hardest lived the longest — the responsible and successful achievers thrived in every way, especially if they were dedicated to things and people beyond themselves.

Learn how to create and enjoy your own funky micro business.   You can gain “earning flexibility” so you can earn… mobile or not… full or part time… young or old.    We have many boomers take our courses on how to write to sell.  Other participants are in their 20s and 30s and want to get started while avoiding the rat race.  Others in their 40s and 50s are looking for ways out of the rat race.

Technology and economically speaking, you have a a perfect time now to have your own micro business. Communications and computers do most of the work that previously required labor and staff.   Outsourcing and virtual offices, plus internet marketing mean a one man (or woman or couple) show can accomplish incredible things.

Let’s Make Earning Easy

Our courses are highly practical and usable because they are a reflection of what we are doing… now.   You won’t hear any ivory tower theory…. just the realities of business as we see them in the marketplace today… and how we respond to these conditions.

Sessions focus on how to use modern technology to start global micro businesses… that can create valuable extra income with minimal investments of time and capital.

You learn how to start small and build with stepping stones and a harmonious focus… how to build a successful at home business via the internet using several profit generating phrases at Google.   You gain the secrets of how you can use words to create your own global income as well at our seminar.

Our self publishing  course shares how to use the first four of “Seven Ps”  (Person, Problem and Promise, Product) to zero in on key word phrases.  Then you learn how to use the Fifth P Promise to develop new customers. The Sixth P is the Prospecting Path and Seventh P is the Presentation to create income.

Then you gain all the facts on how to try the seven Ps in seven specific business sectors:

Funky Business Sector #1:  How to create an export businesses.   Exports are society’s great equalizer.  As long as there are traditions, skill sets and productivity levels that vary… there will be imports and exports.  Learn how to spot markets not products and buy low to sell high.  An export business can turn every trip you take into a profitable venture and tax deductible expense free travel. Exports can help societies improve as they help create jobs… affluence and greater understanding by mankind of itself.

Funky Business Sector #2:  How to earn from self publishing and writing.  Many of us are a book or publication waiting to happen.  Modern technology and ePublishing activity now favors the small guy.   Learn how to write and self publish to sell for profit.

Funky Business Sector #3:  How to create internet sales.  The internet can support a business or can be a business.

Funky Business Sector #4:  How to create a business in Ecuador or elsewhere. Learn ways to earn frm Ecuador exports and roses.  See how to earn anywhere… even in really emerging places. For example, you’ll meet our meet our Cuban researcher and learn ideas for Cuban business.

Funky Business Sector #5:  How to earn from organic food ideas and the natural health business.  You learn ways to earn from naturally healthy products that Merri and I have used for decades.

Funky Business Sector #6  Earn from high finance.  Our business sessions provide you a portal into the Jyske Introducer program… an income earning opportunity from Denmark’s second largest Danish bank.

Funky Business Ideas #7: Go Try Anything!   Learn systems that work successfully on the internet for any type of business you want to try.

There are great opportunities for writers and micro businesses in the following markets:

Love-friendship-control-freedom-tradition-change-big answers-recognition and care. These are emotional needs that create expanding demand and business opportunity. The next generation is having more involvement in every step of the buying process.  Uniting the body and mind is an emerging market.  Natural physical health, fitness will expand but botox and insulin sales will also grow.

Mental health, retreats and spas prosper.  The health of the planet is becoming a more important business.There is a shift of emphasis from GDP to GWB  (General Wellness Barometer Happiness Factor).  Business will operate with more passion.

We’ll see how markets are shifting from materialistic needs to emotional and spiritual needs.

By not purposely limiting business sessions to any specific businesses, delegates can learn how to try anything!
This knowledge has really helped previous course delegates. Here is what one previous delegate just shared:

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

“What I find to be most amazing is that in just a few short months my site is #1 out of over a million sites and sometimes even millions of sites! As you always say the internet is the ‘Great Equalizer’ anybody given the right tools can compete on the internet.“Below are some of my search results. I only listed GOOGLE and YAHOO but you can find similar results on both MSN and ASK.com.

GOOGLE:

#1 out of 1,190,000 …………………………“definition healthy spirit “

#1 and #2 out of 1,210,000.………………….“benefits to living a holistic life “

#1 out of 1,260,000 …………………………“gaining a healthy mind “

#1 and #2 out of 1,260,000 …………………“benefits to living a holistic life “

#2 out of 935,000 …………………………..“holistic lifestyle tips “

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

This is a perfect era to increase your wealth and improve your lifestyle as you reduce stress with investments in the ideas below or your own a micro internet business.

Merri and I enjoy having an international internet business and it has done well since 1998.

We are very thankful to have been one of the most read sites in Ecuador and we do very well in the US and Canada, too.  Also we have clients in 82 countries.

Yet we are trying new things still

May we share our experiences to help you learn how to enjoy this satisfaction and success through your own micro business?

We help readers learn how to create a value oriented micro businesses. This is important because this type of activity does well in good times and bad.  Knowing the micro business philosophies we follow can help you invest better and can help you create an internet success if you desire.  The Western economy has changed… probably forever.  The old ways are gone and those who held jobs… or still have work in the private sector have lost the most.

We are in an era of global structural change… in economics… in politics and society and in the way we work because technology brings us low cost administration, low cost access to data, low cost communication, and low cost travel, plus the opening of markets beyond logic that rely more on passion and experience than on efficiency and cost.

We look at these economic and structural changes, and what to do about them in the international investing and business portion of our seminar.

Learn how to gain all our courses for a large savings below.

Gary

Read the entire USA Today article on “Go Try Things”

 

Publishing Success on Columbus day


Here is a publishing success.  Happy Columbus Day.

jerelle Kraus

Merri and I love tracking the publishing success of our friends and those who attend our seminars and courses so we were happy to get this note from our friend, Jerelle Kraus.

Gary, Here is the first  book review I’ve written (about Columbus)—today in USA Today.

We were especially tickled to see this publishing success because Jerelle is a believer in whole brain thinking and how it helps us learn new things… again and again. The trick is to learn many new things but not the same lessons again and again.  This means we need every tactic we can muster to be smarter.

This is one reason why graphic and musical forms are important to learning.

We can see below how some of the most important publications recognize this fact in excerpts from Jerelle’s book, “All the Art that’s Fit to Print (and Some That Wasn’t)” who was a delegate at our most recent Super Thinking plus Spanish course.

Jerelle is an award-winning New York Times art director whose thirty-year tenure includes a record thirteen years at Op-Ed.
She’s also been an art director at Time & the art director of Ramparts Magazine & of Francis Ford Coppola’s City magazine.

right-brain-book

Cover of All the Art that’s Fit to Print (and Some That Wasn’t): Inside The New York Times Op-Ed Page.  Order here at Amazon.com

Jerelle wrote in her book: In 1970, the New York Times launched the world’s first Op-Ed page, a groundbreaking phenomenon that transformed journalism and-by providing a platform for anyone with an opinion-0p-Ed prefigured, by decades, the Internet’s blogosphere. Not only did the new page’s nonstaff bylines shatter tradition, but its pictures Cover were revolutionary. Unlike anything ever seen in a newspaper, Op- Ed art became a fertile, globally influential idiom that reached beyond narrative for metaphor and changed the very purpose and potential of illustration.

Once I began this book, I approached a literary agent. “It’s about Times Op-Ed,” I told him. “Great,” he said. “I’ve been reading it for twenty years.” It gives the story of the page, I explained, from the vantage point of its art. “Are you telling me,” he responded “there are cartoons on the Op-Ed page?” Beyond the fact that these drawings aren’t cartoons, his reaction spotlighted the need to document Op-Ed’s history in order to underscore that while the texts reach the brain’s logical left lobe, the art links direction to the cerebrum’s right hemisphere, which processes intuitively, visually, and subliminally.

We refer to the holistic right lobe when we say, “Do you get the picture?”  So powerful are graphics that even if we say only “That’s cute; there’s a picture on the page,” the image registers in our brain.  The impact of visuals isn’t lost on Times editors, who are the trustees of the paper’s standards.

Here is why graphics and music can be so important to learning.

In general the left and right sides of the brain process data in different ways.  Most people process incoming signals using a dominant side.  This habit causes the learner to lose the whole.  Learning is improved when both sides of the brain participate in a balanced manner so the learner sees a bigger more whole picture.

The left half of the brain takes care of the linear portion of data mining processing from part to whole. The left takes pieces, lines them up, and arranges them in a logical order.  Using this process, the left brain helps draw conclusions.  The left brain processes in sequence. This is the part of the mind that is used to make lists, create schedules and conduct daily planning. 

This part of the brain connects the dots.

The right brain works more holistically processing from the whole into pieces.

The right brain sees the picture and creates the dots!

The right brain sees the whole picture, not details. Right brain work gets done in seemingly random ways without having listed priorities.

Benefits of Whole Brain Activity

Activities that integrate the right and left brain improve learning. For example painting… playing music stimulate the whole brain.

Juggling can stimulate a tactile right brain response.

In each of these activities, learning begins as a left brain, logical, analytical, and narrowly focused exercise.

You look at musical notes and think about which fingers to move. You look at the canvas and think about what to paint or draw.

Once you have practiced, the brain moves into right brained mode thinking, the side that is more intuitive and holistic. When this happens, the practice becomes automatic and relaxing. Some call it a moving meditation. The left and right movement across the body literally changes our focus from left to right and back again.

Research has shown that there is a direct relationship between hand-eye coordination and the ability to read and write.

Music and art, of course, have long been used. Now some schools are even teaching juggling as a way to enhance academic learning. The eye crosses midline and the movement improves concentration, encourages sequencing, and increases tracking.

Research has shown that anyone can benefit from integrating the brain hemispheres because it is never too late to grow dendrites or connective cells in the brain.  Nerve cells are stimulated by new input which in turn builds a richer brain structure. New learning creates a reserve of dense connections partially protecting us from cell loss associated with Alzheimer’s disease. Researchers say that the brain benefits the most from learning that which is “exotic and unusual”.

If you do not have a right brain activity, look for one that you consider fun.

Whole Brain thinking can improve learning and if you find an activity that you find exotic unusual and fun…

Excerpts from a 2010 interview article in the Washington Post “Why fun is important in learning by Valerie Strauss supports this fact and says:  Is there any evidence to back up the notion that learning can and should be fun, or is this a deviation of our Protestant and Puritan heritage that declares that fun is the work of the devil and so anything worthwhile cannot be also fun?

Brain research suggests that fun is not just beneficial to learning but, by many reports, required for authentic learning and long-term memory.

Neurologist and educator Judy Willis’s book “Research-Based Strategies to Ignite Student Learning: Insights from a Neurologist and Classroom Teacher” (ASCD, 2006) is one of many that have highlighted the learning benefits of fun. Here are just a few excerpts:

The truth is that when the joy and comfort are scrubbed from the classroom and replaced with homogeneity, and when spontaneity is replaced with conformity, students’ brains are distanced from effective information processing and long-term memory storage.

The highest-level executive thinking, making of connections, and “aha” moments are more likely to occur in an atmosphere of “exuberant discovery,” where students of all ages retain that kindergarten enthusiasm of embracing each day with the joy of learning.

So fun actually seems to promote learning. It increases dopamine, endorphins, and oxygen!

The human brain and body respond positively to laughter with the release of endorphin, epinephrine (adrenaline), and dopamine, and with increased breathing volume (more oxygen). When a lesson starts with humor, there is more alerting, and the subsequent information is  attached to the positive emotional event as an event or flashbulb memory.

Look for and engage in a right brain activity that is fun… you’ll become smarter and enjoy life more.  In this rapidly changing world, smart and learning fast are really important to us all.

Jerelle’s success is proof of the pudding that whole brain thinking works.

Learn how to have success self publishing

Gary

Learn Spanish in Three Days

Learn Spanish in Three Days ONLINE

The Learn Spanish in three day course is now available online.

Read below to see why we are offering our Super Spanish course online for the first time.

Speaking Spanish is a huge benefit on its own.  You can become one of the rare North Americans who can get along in Spanish speaking countries.  You can be one of the special people who can communicate with 10 million non-English speakers in the USA.  Spanish is the second most used language in the USA.  There are more Spanish speakers than speakers of Chinese, French, German, Italian, Hawaiian, and the Native American languages combined.  According to the Census Bureau, Spanish is the primary language of nearly 50 million people in the US.  This is the largest Spanish-speaking community outside of Mexico. Only half of these speakers also speak English “very well,” and 19% do not speak Spanish at all.

You can tap into all this potential when you speak Spanish.  Yet there are more benefits.

An article in England’s leading newspaper, the Telegraph, entitled “Why learn a foreign language? Benefits of bilingualism” (1) sum up the biggest benefit of learning a second language and increased intelligence.  The article says: “Learning a foreign language is more than just a boost to your CV or handy for traveling.  It will make you smarter, more decisive and even better at English.  Physiological studies have found that speaking two or more languages is a great asset to the cognitive process.  The brains of bilingual people operate differently than single language speakers, and these differences offer several mental benefits.”

The article then explains studies that show seven cognitive advantages gained from learning a foreign language.

#1:  You become smarter
#2:  You build multitasking skills
#3:  You stave off Alzheimer’s and dementia
#4:  Your memory improves
#5:  You become more perceptive
#6:  Your decision-making skills improve
#7:  You improve your English

Does it sound impossible to learn Spanish in three days?  Yes, it is impossible when you try to learn Spanish in the old, traditional way.

Though you may choose to take more time using this course to learn Spanish, thousands of our readers have learned at our Spanish courses.

There is a scientific method of learning… proven and described in numerous best selling books that create educational jumps by making education natural, easy and fun.   This course works because it is education without stress!

This method was created and refined by the Bulgarian educational master, Georgi Lozanov, who transformed the entire Soviet educational system to such a degree that this third world country beat the USA into space.

Merri was lucky to be one of a handful of students outside of Bulgaria who were allowed to be taught this system in the early 70s.  She practiced this unique and remarkable form of education for  four decades. It was a delight!

Merri and I began integrating these techniques with other shamanic and educational tactics we had gained in our global travels and then applied them to teach Spanish in three days.

The course has been proven again and again by the thousands who have used this system.  You can read a few of the many raves we have received from delegates who have learned from the Super Thinking Spanish course we created.

Here are a few quotes from delegates of the course.

One delegate from St. Louis wrote:  Hi Gary,  Just ended forty-five years in dentistry last week, and I’m on to a new career.  What is my new career?  Still formulating, but the eye -opening,mind expanding Super-Spanish course last weekend in St. Louis surely shows me the opportunity exists to expand my horizons.

Besides having a lot of nice people to learn our new language; the methods Merri and you developed proved to be just what you said they would be.  We all and I in particular relaxed our way to new learning.  I feel so very comfortable with the basis of my new language skills that I know I will be spitting out great Spanish sentences by the time I reach Ecuador in October.  Last year I spent six weeks in Ecuador and now I plan on conversing with the people.

Today’s excerpt of your newsletter really hit home. You do what you say you will. There are no surprises or hidden sales tricks. The only tricks are beneficial to our learning.  Thank you for a wonderful experience that I was quite unable to grasp how you would pull it off.  You did, however, and I look forward to other courses that you offer, and I have absolutely no doubt they also will work beneficially.  Best regards, Denis Molloy.

Another wrote about the Super Spanish course:   Buenos Dias, here is a testimonial for Super Thinking-Super Spanish.  Please feel free to use all or part in promotions for the course.  In addition, you may give my email address to any prospect “on the fence” about enrolling.  Yesterday, in Cotacachi, Ecuador, I finished Super Spanish.  I had high expectations for the course and they were exceeded.

After three days, I can speak Spanish in complete sentences. In simple conversations, such as buying groceries or ordering a meal, I can make myself understood. I think that’s incredible!

Although I am far from the competence level of a native speaker, I feel I’ve taken a giant step forward in learning Spanish so that I can experience the people and culture of Ecuador.  The foregoing benefits would have more than justified the time and money I invested in Super Spanish.  And learning some Spanish was not the most important benefit I got from the course.

Prior to leaving the USA, I had felt for some time that the pace of life there was unhealthy for me (and for most people) and I did nothing about it.

I’ve thought about the pace issue during the course.  One of the key elements Merri Scott designed into Super Spanish is placing the student in the optimal state for learning.  In class, the past three days, I’ve been re-introduced to guided journeys and introduced to the calming effects of Baroque music (www.sundaybaroque.org).  What a blessing! I’m inclined to make one or both a daily part of my life.   Rob Christi.  Cotacachi, Ecuador

Another attendee from a course wrote:   “I took this incredible class a few weeks ago, and I would like to tell anyone that is interested, that it is an amazing three days of learning with lots of laughs included. You leave everyday wanting to learn more and are so excited to do so.

“Other Spanish classes and tutoring made us feel like it would take forever to get to the point where we could put it into practice, but this method gave us a more fluent use for everyday life almost immediately AND the confidence to use it.  It is a fantastic way to show people how much they know and give confidence to learn and use Spanish creating a momentum.

“They made learning Spanish easy and fun in a very relaxed, comfortable atmosphere.  I would definitely recommend this course.  Even if you know some Spanish, this helps make it easier because of the less stress that no verb conjugations gives you.  This gives you more confidence in yourself to try and speak it more.

 “The stress free atmosphere and tons of interaction and participation were very conducive to learning.  The relaxation techniques alone are worth the price.  The fact that I can now feel more comfortable conversing in Spanish with my new friends and neighbors is priceless.  Muchas, muchas gracias.”

“I loved the relaxed environment.  I picked up quite a lot of new vocabulary.  I found this course very informative about how the language works, how I can make sentences and understand others better!  Muchas Gracias!  I had a call from Telcel (the local phone company) after our second class and I was able to speak and understand them for the first time. Despacio (meaning slowly) … a great word!  Everyone should take this course before they pick up bad habits.”

“I liked how simply the course was organized and the positive attitude about learning.  Thank you so much for helping me to learn Spanish!”

“I liked the laid back yet professional approach.  I highly recommend this new, relaxing method of learning Spanish,  I feel a lot more confident in the delivery of my words and sentences. It was taught in an excellent and very professional way.

“It was a very enjoyable class.”

How The Course Works

The first tactic is to use Baroque music in the learning process.  At least three best selling books, “Superlearning”, the “Mozart Effect” and “Superlearning 2000” have revealed insights about how to learn and think more powerfully based on systems drawn from the Bulgarian educational master, Dr. Georgi Lozanov.  Merri Scott was among just a few who learned directly from Lozanov.

The second tactic uses 17 unique lessons to provide Spanish fluency in a short time.   Let me prove to you how this tactic works by teaching you hundreds of Spanish words in less than 30 seconds.

Here is the proof.

“Most words in English that end in ION are almost identical, just pronounced differently.  For example action is accion, education-educacion, manipulation- manipulacion, etc.”

There you have it.  How long did it take you to read the sentence?  You now know hundreds of Spanish words that you will never forget.

See examples of the words you already know below.

How long would have taken you to memorize all those words?  How soon would you have forgotten them?

This is just one of seventeen Spanish lessons in the course.

The next lesson teaches how to pronounce each of the nouns.

Then, the third lesson teaches almost as many verbs, almost as quickly.

The fourth lesson shows how to avoid conjugating verbs by sticking with the infinitive (far easier than it sounds).  This simple lesson leaves a person sounding like a Spanish professor without ever conjugating a verb.

Lesson five shows how to sound infinitely polite and yet get almost anything desired in Spanish.

Lesson six gives valuable connectors and the seventh lesson triples the Spanish capacity with three words for “yesterday,” “now” and “tomorrow”.

By the end of three days you feel comfortable speaking Spanish.

Plus the system is Impro-Dynamic.  This means your Spanish keeps getting better even though you do not seem to be studying… practicing… or speaking Spanish.

I was amazed by this as I traveled back and forth from the USA to Ecuador.  The longer I was away from Ecuador… the better my Spanish became.  My second language was automatically improving The self improving feature comes because you learn to create Spanish sentences rather than remember them.  The portion of the brain that creates is more powerful than the portion that recalls.  When your mind creates something… it owns it!  You do not have to remember .

During the course you learn 4005 Spanish words that you already know .  

You then learn how to create Spanish sentences from these words.

Throughout the course you learn how to pronounce the sentences you create.

When the course ends… the mind keeps working… and creating… so next time you begin to speak Spanish you’ll be surprised .  You improve even though you have not actively worked on your lingual skill.

Due to the difficulty of getting groups together to learn this valuable technique, we are testing an online beta program for subscribers to use the Super Spanish course at home.   This is a beta test and is available only this week, June 5 to 11, at the highly reduced price of $79.

I’ll be in touch personally via email with each person who signs up for this course to see how it works or what is required to make it better.  Once this test is complete, we plan to offer the program on a larger scale and at a much higher price.

The course has our, full satisfaction or money back, guarantee.  Try Super Spanish for 60 days.  If not fully satisfied, simply let us know for a full refund.

Learn Spanish online $79

Here are more testimonials from previous Super Spanish Courses.

Maggie wrote: It didn’t really seem possible that we would be speaking and understanding Spanish in only 3 days but the course made it happen in a very supportive learning environment.  I would highly recommend this course for anyone wishing to learn “practical Spanish”.  The teaching methods, use of relaxation, the use of native Spanish speakers for pronunciation and the teachers themselves who were approachable and helpful and always positive made this a very valuable class.

This course improved my self confidence in my ability to learn and retain a language.  It was presented with genuine enthusiasm, great energy and the style of learning is very effective. Gracias!  It was a great experience.

Nadine wrote: “Just spent the last 3 days in the most wonderful learning environment learning Spanish.  What an amazing learning experience!!  First day out of class and I could not stop thinking in Spanish WOW!!  I am amazed by how much I learned, retained and how much more is showing up now that I am out of class.  And the best part is THERE WAS NO STUDYING!! Indeed this is Super Thinking!!!  I would highly recommend this to anyone that has ever had a desire to learn another language or learn anything in record time.

And a few days after that ….  As I went through my day, just hanging out with my son, I could see myself starting to think in Spanish.  At first I thought it was amusing but as it continued and increased I thought “My goodness this is really remarkable amazing” It was really an effortless unfolding.  I wasn’t at any point “trying” to think in Spanish, just words I knew would fly across the screen in my mind.  And then this afternoon, my son cuddled up on the couch to watch some cartoons on his ipad and was watching Peppa Pig in Spanish…hmm coincidence?  I think not, I’m radiating Spanish so much that my son is being influenced!  Thanks a million again.  This weekend the best learning experience of my life!!

If you have ever had a desire to learn Spanish this is the way to do it!  By the end of the first day I had more confidence and more practical ability than I had from any previous courses I had taken.  It was fun and relaxed and full of laughter.  You will leave this class excited to use what you have learned.  Rather than leaving overwhelmed with how much you have yet to learn and master, you are equipped with the knowledge and know how to go out and communicate as well as the excitement to do it!”

Gary noted:  “The whole approach is positive and conducive to learning at a level that benefits ALL participants.  It is not intimidating and does not set up a pass/fail atmosphere.  The presenters are terrific and the results unbelievable.  It was relaxed, informal, friendly and effective.”

Twila said:  “This class provided a very refreshing and relaxed way of learning.  The atmosphere felt very safe to say the words you were practicing.  I learned a lot in a way that will make it easy to apply.  Starting with conversation is way more fun.  How quickly you can learn!  It was a great group, great instructors and great stories.

The atmosphere in the classroom was so relaxed that learning Spanish felt like a breeze and not like a painful task.  The relaxation exercises are really conducive to language learning.  We learned A LOT in a short time and it was fun and the environment was non-threatening.”

Brigitte sent this:  “Buenos Dias, Suzanne. su clase de espanol es excelente! Muchas Gracias!  
I have already done what you suggested and went into the program listening to the music and going over the lessons.  I know: Repetition……reinforcement…..thinking in the new language….it’s all part of it.  I loved your course and will certainly recommend it to friends.  Who knows….I might feel the urge and have the opportunity to repeat it at your beautiful place in Puerto Aventuras…..Quien sabe? Hasta otro dia y saludos a su familia.”

Marie wrote:  “I would highly recommend this course.  The amount covered in 3 days is amazing!  All with no stress.  The correlation lessons and pronunciation practice has greatly reduced my anxiety to go out and use my Spanish.  I really enjoyed the whole process and thank you for the take away tools.”

Learn Spanish online $79

Gary

Here is the English translation of a few of the many Spanish words you now know and will never forget.  How long would it have taken you to memorize them?  How soon would you forget?

“Most words in English that end in ION are almost identical, just pronounced differently.  For example, action is accion, education-educacion, manipulation- manipulacion, etc.”

Some more of these words:  Combination, Attrition, Education, Vacation, Petition, Lotion, Motion, Construction, Abduction, Pronunciation, Concentration and a ton of others!

Learn Spanish online $79

(1) www.telegraph.co.uk Benefits-of-bilingualism.html

Read Jerelle’s book review (about Columbus)—in USA Today.

What R U Going 2 Do? – Part Two


What are you going to do to live a long life and what if you live long?

Let’s look at ways to be productive and beat inflation because chances are that you will… live long… and well.

An excerpt from  June 29, 2011 USA Today article entitled “Americans aren’t hitting their prime till after 65 by Janice Lloyd shows why when  it says : Whether you are a twenty something, Gen Xer or Baby Boomer, the older crew has an edge on you, new research shows.

A sweeping poll looking at American attitudes, health and behaviors concludes that people over 65 consistently have a higher degree of well-being than any other age group. At the bottom: those 45 to 64.

The findings are based on more than 1 million surveys since 2008. Healthways works with health care professionals to help people thrive and to allow officials to track health and wellness by congressional districts.

“Improve well-being, and productivity goes up and health care costs come down,” says Ben Leedle, president of Healthways.

If younger people can change, the benefits could be huge, he says.

Wellness I: Get active

What does wellness look like to Healthways? Multiple behaviors, such as smiling and laughing, having access to learn new things and — no surprise here — eating well and getting plenty of exercise. The older group outscored all groups in healthy behaviors, including not smoking.

The article also points out that the second key to longevity and wellness is to give back.

There are few ways to give back that are as satisfying and meaningful and balanced as a good micro business… one that service a customer and is fulfilling to you.  That business can also help fight the ravages of inflation and eliminate worries that the purchasing powers of pensions and Social Security will be enough.

A good, fun business not only enhances income but serves the community, can be enjoyable and increases longevity.

A Bloomberg Businessweek article entitled “Live Long and Prosper. Seriously” confirms this when it says:   Ahhhh, retirement. It sounds enticing, with its promise of freedom from the daily grind. But think carefully before trading employment for a poolside retreat.

Why?

There’s growing evidence that people who work during the years typically spent in retirement live longer, healthier, and more independent lives than those who do not.

“There’s a strong argument for continuing to work throughout life,” says Dr. Jochanan Stessman, head of the geriatric and rehabilitation department of Hadassah-Hebrew University Medical Center in Jerusalem and co-author of a study that links work to greater health and longevity.

This is why we have been shifting the focus of this site and our sister site www.ecuadorliving.com to helping readers wean themselves off wages and fixed income onto their own micro businesses that are mobile and elastic (income that can expand with inflation).

One area where we have added a focus is on having an events (seminars, tours, conferences, exhibitions, etc.) business. Such businesses can be satisfying, really fun and really, really profitable.  We know. Few people have conducted more seminars and tours than Merri and I have.

You know something due to your life experiences and where you are and where you want to be, you know something (you might not even recognize this at first) that is of great value to others.  One of the best ways to share that unique knowledge that you possess is with an Events business.  These Events might be an hour or two lecture, they might be just for an evening, half day, a full day or much longer.

As you will see below our optimum events is three days long.  See how long the optimal time your event might be!

We have created a new course and include an excerpt from Lesson Three that may help you design your own seminar or tour business.

Event – Full Business

How to Profit Conducting Seminars, Workshops & Tours

Lesson #3:  Packaging Your Events

seminars

Merri and I have conducted… sponsored and participated in hundreds of events big…

seminars

medium…

seminars

mobile and…

seminars

small.

Most of these events were packaged in very similar ways.

Ecuador’s dawn, day break in faintest hue… skies washed in a purple/coral patina. Mountains and valley take form in a rising  dawn as the city wakes.

small-ecuador-hotels

This is early morning at Hotel Quito. Merri and I are about to begin our smallest seminar. Delegates? Two.  This really really low attendance was early October, 2001 just three weeks after 911.  Cancellations began the day after the airplanes hit… but the low attendance was also related to poor packaging.  See why below.

Lesson One defined various types of events ranging from seminars, workshops, conventions to tours.

This lesson reviews how to package events… in other words design events so they are most attractive… price and time wise… for potential delegates.

When you develop an event there are seven factors that need to be taken into account.

#1: The problem the event solves.

#2: The potential delegates who have this problem.

#3: How much interest these potential delegates have in solving the problem.

#4: How much money the potential delegates have to spend solving the problem.

#5: How much time the potential delegates have to solve the problem.

#6: When the delegates have the time to spend.

#7: Where the delegates can attend the event.

Packaging involves pulling all seven of these factors together in the the most balanced way with your abilities and desires.

We have readers often write “I want to attend your seminar, but cannot afford it.”  We always give a scholarship or two.

We have some write “I want to attend but cannot make it for three days”. We have split our courses into three parts so can invite them for a day and a half.  Others write “I cannot attend  in June.. it’s my … (child’s graduation… spouse’s birthday…  daughter’s wedding… etc.). We have most of our events three times year so offer a different date… or offer a recording of a seminar.

All of this is part of packaging that we have learned over 30 years of conducting events.

Three Day Solution

This lesson looks at how we work around three day events.  Three days has turned out for our business to be the optimal package in terms of maximizing price and easing attendance.

Your events may be one hour… an evening… half or full day… even weekend. Ours are generally a three day long weekend and we find that every day we stretch beyond three… the greater the chance of a poor attendance.

However packaging is all about you… and your delegates.  Your events should be packaged for both.

Ten Day Error

Our October 2001 event in Quito was a ten day health seminar where we traveled around Ecuador looking at natural health secrets.  No doubt 911 killed attendance… but the 10 day length had already diminished signups and one Murphy’s law of events is  “if signups are slow… last minute cancellations will be high”.

In the end every US delegate cancelled. We had one delegate from Australia and one from New Zealand.  Fortunately our business is solid enough that we conduct events as much for the satisfaction as for the bucks. So we conducted it anyway… and had a great time though we certainly did not make any profits.  Others would have cancelled the event, but there you have it. The two delegates were thrilled with all the personal attention we were able to give them.

There is no doubt in my mind that the long stay hindered sign ups to begin and being away for such a long time during the stress of 911 was a final nail in the minds of US delegates.

Let’s see why three days has such an optimal touch for our events.

Lesson Two looked at how my first events were two hour affairs in Hong Kong… getting people together so I could pitch US mutual funds and later real estate in Fiji.   My goal was to avoid delays in traffic.

Later after I switched my thinking and began selling the idea from selling American mutual funds in Hong Kong to selling Hong Kong and other overseas mutual funds in America. I moved from Hong Kong to London which offered the best sources of data for global mutual funds.

This created a dilemma… me in England… delegates in America.   There was a large ocean between us.

That ocean was a bigger obstacle than Hong Kong traffic so I began conducting one day events.  Four times a year I would fly to the USA… conduct a one day on the East coast…. travel a day… conduct a one day in the Middle and then a day later on the West coast.  A typical schedule was Monday… New York seminar. Tuesday fly. Wednesday Chicago seminar. Thrusday fly. Friday San Francisco seminar.   Whew! I still get tired just thinking about it.

This packaging was exhausting… but at that stage… was a fit for the situation… I thought.   Had I tried a three day in each place, that would have put me on the road for two weeks at a time.  Pretty long for a small one man business and three kids.  Secondly… at that time,  I did not think I could get delegates to attend for three days.  That thinking, I was to discover was wrong… but that’s a story for another lesson as well.

The point is the packaging I had at that time was a free one day 9am to 5pm seminar… coffee and donuts included.

This packaging was wrong. let me explain why.

End of Excerpt

Two forces are about to collide… inflation and extended longevity. This collision can be a blessing or a curse.  Your own micro business can help make sure that your longevity is good and… blessed.

Gary

As change accelerates the information business grows. This is why self publishing and events businesses go hand in hand.  See how to create both businesses so you can earn wherever you are at any age.  Click here for details.

Another way to beat inflation is to live in a low cost environment like Ecuador.

Cotacachi-Condo tags

These units are rare. The last Primavera studio we advertised we wrote about was offered in February 2010 (also at $49,000) and sold almost immediately.  See details here.

Read USA Today’s:  Americans aren’t hitting their prime till after 65
Read Businessweek’s: Live Long and Prosper. Seriously

New International Investing Era


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.

electromagnetic-pulse

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.

electromagnetic-pulse

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.

electromagnetic-pulse

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.

electromagnetic-pulse

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

Nov. 11-14 Ecuador Coastal Real Estate Tour

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

December 9-10 Imbabura Real Estate Tour

December 11-13 Ecuador Coastal Real Estate Tour

Join us in 2010.   Attend more than one seminar and tour and save even more plus get the three emailed courses free.

Our multi seminar-tour discounts have grown!

See the 2010 winter schedule below.

To Enroll click below.

1 real estate tour  $499 Couple $749

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

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

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

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

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

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

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

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

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

See our entire 2010 seminar and tour schedule here

Read the entire articles:

Electrical grid vulnerable to terrorist attack

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

International Business & Investing Expanded


There is expanded international business and opportunity because wage earners and retirees in most of the Western world are being set up. This can create great international business and investing opportunity for you.

ecuador-real-estate

In a moment see why this Ecuador property offers such good value.

Whether this “set up” is on purpose, or not, is a subject of lively contention… but the intention doesn’t really matter much.   The results… created innocently or intentionally will be the same.  Disaster for the middle class.  However opportunities in international business, investing and lifestyles mean that you do not have to share in the loss.

We can begin to understand this fact with three simple thoughts.

The first thought is that the US is currently experiencing deflation. You can see from this graph from the Bureau of Labor Statistics.

small-business-statistics

The December 2008 message Multi Currency Inflation at this site, asked the question… will there be inflation or deflation.

Now we know.

The second thought is that the deflationary forces are creating inflationary fundamentals like we have never seen before. The inflation stage is set. This is a formula that means disaster for most… but this does not have to apply to you.

One reader just wrote:  I’m thinking a ‘creative way’ to fix a problem and work through one’s passion will not handle the whole situation.  I hope I’m wrong and you have an even better idea. Medicine and doctors.  Savings stripped.  Destruction of people’s lives and stability.  All done with intention.

The dollar is  going down the toilet, and the best option I see the Fed and Government taking (for themselves, not for us) is to have a debit system.  The debit system would pay people, and would pay others from the people’s account.  People would no longer research to save taxes.  Their accounts would automatically be debited with whatever the government deems able to be taken.  The funds would filter through the Central Bank to be certain the funds are going only where the government it should go.

There is no more representative republic.  There is no more self determinism.  There are no more freedoms as you can be controlled through your debit card.  If government decides you are an ‘unworthy person’ they can easily take all of your nest egg.  If Congress can so thoroughly devastate us overnight one time, they can do it again.  I have a real hard time thinking about a creative way to generate income.  I trust not a congressman.  I certainly do not trust the current administration.  I don’t think they’re through with us.  Best Wishes to you Gary.

Many readers share thoughts like this. I know that so many of you are suffering. Yet I must say: economics will get worse. Fortunately they will then get better.

This leads us to the third thought… which is “the common person who will bear the brunt of the upcoming inflation.”

Yet you do not have to suffer.

A USA Today article “Wages could hit steepest plunge in 18 years
 by Dennis Cauchon and Paul Overberg” explains the problem. Here is an excerpt:  A bad economy and low inflation are starting to drag down wages for millions of everyday workers and freeze benefits for millions of retirees.
Average weekly wages have fallen 1.4% this year for private-sector workers through September, after adjusting for inflation, to $616.11, a USA TODAY analysis of Bureau of Labor Statistics data found. If that trend holds, it will mark the biggest annual decline in real wages since 1991.
“Wages are usually the last thing to deteriorate in a recession,” says economist Heidi Shierholz of the liberal Economic Policy Institute. “But it’s happening now, and wages are probably going to be held down for a long time.”

Yet falling income for wage earners and retirees is meeting huge potential inflation according to the October 16, 2009  New York Times article  “$1.4 Trillion Deficit Complicates Stimulus Plans” by Jackie Calmes.

Here is an excerpt: The Obama administration said Friday that the federal budget deficit for the fiscal year that just ended was $1.4 trillion, nearly a trillion dollars greater than the year before and the largest shortfall relative to the size of the economy since 1945.  The shortfall for the fiscal year 2009, which ended Sept. 30, translates to 10 percent of the economy.  Economists generally agree that annual deficits should not exceed 3 percent of the G.D.P., and that is the level President Obama had vowed to reach by the end of his first term in 2013.  At 10 percent of the gross domestic product, the 2009 deficit is the highest since the end of World War II, when it was 21.5 percent. At the same time, many Americans are demanding further help, confronting forecasts that job losses will not peak until mid-2010.  Representative John A. Boehner of Ohio, the Republican minority leader in the House, rejected that position. “It is irresponsible for Democrats to continue spending taxpayers’ money we don’t have to fund an agenda that would destroy the jobs we need to get our economy moving again,” Mr. Boehner said.

The problem looks even worse according to another October 16 2009 USA Today article entitled “Obama team makes it official: Budget deficit hits record. By a lot.” Excerpts say: The Obama administration has released new deficit numbers, and they are not pretty.  The deficit for Fiscal Year 2009, which ended Sept. 30, came in at a record $1.42 trillion, more than triple the record set just last year.  In addition, future deficits are currently projected to total $9.1 trillion in the coming decade.

Yet while the wage earner suffers… others are becoming rich according to an October 17, 2009 New York Tines article entitled
“Bailout Helps Fuel a New Era of Wall Street Wealth” by Graham Bowley.

Excerpts say:  Even as the economy continues to struggle, much of Wall Street is minting money, many Americans wonder how this can possibly be. How can some banks be prospering so soon after a financial collapse, even as legions of people worry about losing their jobs and their homes?
It may come as a surprise that one of the most powerful forces driving the resurgence on Wall Street is not the banks but Washington. Many of the steps that policy makers took last year to stabilize the financial system — reducing interest rates to near zero, bolstering big banks with taxpayer money, guaranteeing billions of dollars of financial institutions’ debts — helped set the stage for this new era of Wall Street wealth.  A year after the crisis struck, many of the industry’s behemoths — those institutions deemed too big to fail — are, in fact, getting bigger, not smaller.  Now, the industry has new tools at its disposal, courtesy of the government.  With interest rates so low, banks can borrow money cheaply and put those funds to work in lucrative ways, whether using the money to make loans to companies at higher rates, or to speculate in the markets. Fixed-income trading — an area that includes bonds and currencies — has been particularly profitable
.

Here is why you do not have to suffer and can profit like the big banks.

Messages at this site have repeatedly shown that four ways to beat inflation are to invest in equities, real estate, your own business and commodities.

Commodities are riskiest in the deflationary times.

Equities have skyrocketed this year… as have bonds treated like equities.

This is as an excerpt from a recent  update in our Multi Currency course shows that 61% of my liquid portfolio is in bonds!

Here is the excerpt:

As of October, my current liquid asset allocation is:

Equities

Jyske Invest  Turkey Equity Fund          TRY-EUR        1%

Jyske Invest  European Equity                EUR-                2%

Jyske Bank Share                                       DKK                 2%

Bank of Florida                                          US$                  1%

Total Equity Position                                               6%

Emerging Bonds

Jyske Invest Emerg Bonds Fund          EMCS              8%

EuroInvest Bank Bond                             TRY               4%
Brazil Government Bond                         BRL               8%
Hungary Government Bond                    HUF              6%

EMCS (emerging market currency spread)

Emerging Bonds Total                                         26%

Bonds

Jyske Invest Danish Bond Fund                DKK            14%

Jyske Invest  European  Bond Fund          EUR           12%

Caisse D’Amort Dette Bond                        EUR             5%

Jyske Invest Swedish  Bond Fund              SEK             4%

Total Bonds                                                                 35%

Cash

US$                                                                                      15%

GBP                                                                                       8%

EUR                                                                                      7%

CAD                                                                                      2%

NZD                                                                                     2%

Total Cash                                                                 34%

Our multi currency subscribers have been able to  fight the dismal economy just like the big banks.

You can learn how to enroll in our multi currency course here.

US dollar denominated real estate also offers extra value now.  The dollar has fallen which reduces the price of real estate. This is why I am heavily invested in US and Ecuador property.

Take this acreage and farm house as an example.  This offers great value because it is an investment in real estate… a business and commodities (food)

ecuador-real-estate

Here is the farm house.  From the front porch there are…

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views of the acreage.

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including…

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animal pens…

ecuador-real-estate

crops…

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storage area…

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rental unit and…

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small local canteen the owner operates.  This is a…

ecuador-real-estate

great value at $79,000 asking.

Ecuador Living subscribers have been sent a full report on this property.  Learn more about Ecuador Living here.

You can see the property (until it sells) above on our Imbabura real estate tours shown below.

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

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

This course can help you create your own internet business.

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

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

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

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

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

Even Better Get All three Courses Free

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

Inflation is coming and will hit wage earners and retirees hardest of all.  Yet you can succeed. We look forward to sharing ideas on how to succeed with real estate, multi currency bonds and equities and your own business.

Gary

Head south to Ecuador!

Here is the balance of our 2009 Ecuador real estate tour schedule…  plus Blaine Watson’s Beyond Logic and our last Ecuador Shaman Mingo of the year.

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

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

December 9-10 Imbabura Real Estate Tour

December 11-13 Ecuador Coastal Real Estate Tour

Join us in 2010.   Attend more than one seminar and tour and save even more plus get the three emailed courses free.

Our multi seminar-tour discounts have grown!

See the 2010 winter schedule below.

2 seminar courses & tours

3 seminar courses & tours   $1199 $1,749

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

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

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

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

ecuador-exports

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

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

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

We have been conducting Ecuador real estate tours for a decade longer than any others.   Our success has grown because we do not accept commissions on Ecuador estate shown on these tours.   Our goal is to help you know how to find the best deals on  Ecuador real estate.

The pictures below show some of the property we’ll view on the Ecuador real estate tours.

Delegates see two and three bedroom Andean condos like this.

ecuador-real-estate

with views like this…

ecuador-real-estate

In the $50,000 range.

Large square footage, fixer upper’s like this…

ecuador-real-estate

with large gardens and …

ecuador-real-estate

this view are offered at…

ecuador-real-estate

$30,000… asking.

We see luxury townhouses at $75,000

ecuador-real-estate

We view mansions…

ecuador real estate

inside and…

ecuador real estate

out.

ecuador-real-estate

Gated communities are visited.

ecuador-shots

Coastal land, houses and condos on the beach… near the beach and with views are seen.

ecuador-real-estate

We see beach front penthouses with these views.

ecuador-real-estate

Ultimate luxury…

ecuador-real-estate

Ecuador beach properties are…

ecuador-real-estate

seen.

Plus rustic houses with…

ecuador-real-estate

perfect beach position are found.  I am told that a delegate purchased this house on our last tour.

ecuador-real-estate

Here it that rustic house, on the right of Merri and me walking the beach with a friend and our hound.

ecuador-real-estate

These brand new beach view condos are $89,000 (some of these units for sale are mine and are offered at $79,000 for Ecuador Living subscribers).

ecuador-real-estate

We see luxury condos but also rustic beach B&B opportunities like the one below at $60,000… asking.

ecuador-real-estate

We’ll even see commercial Ecuador real estate opportunity like this hotel… and

ecuador-real-estate

even this Ecuador golf course on a lake that is for sale with…

two restaurants.

P1030417

with 144 seats and…

P1030525

rental units on…

ECUADOR-PROPERTY

this lake.

P1030427

We hope to serve you well with Ecuador real estate.

Gary

Read the entire articles:  Wages could hit steepest plunge in 18 years

$1.4 Trillion Deficit Complicates Stimulus Plans

Obama team makes it official: Budget deficit hits record. By a lot

Bailout Helps Fuel a New Era of Wall Street Wealth  by Graham Bowley

Internet Business & Freedom


An internet business can set us free.

Technology and a global economy allows us to enjoy our business where the sun shines for us.

Broadband has really allowed me to be free with my internet business.

ecuador-internet-business

I do have a very nice office… with a wonderful desk given to me by a friend when he moved from NC to Ecuador!  Honestly I rarely use it.

I like to move around while I work and technology means… I can!

At one stage Merri and I lived in a really remote part of Ecuador… 45 minutes off the highway down this road.

ecuador-internet-business

Our hacienda was at the tip of this bluff.

ecuador-internet-business

This was my front room view.

ecuador-internet-business

We lived with a Taita Yatchak and his apprentices and had no electricity  and no cell phone coverage. I charged my laptop from our old Land Rover. Once a week we drove into town, downloaded messages, sent and picked up email.

Seem strange?  Technology allows our internet businesses to give us even more freedom than this as is explained in a recent USA Today article entitled “Your office: At home, in a tent, or something more formal” by Laura Petrecca.

The article first tells about Katy Leakey who operates jewelry business from a tent in Kenya.  She uses VOIP phone calls, e-mail and Skype to run a global business.  She lives with the Maasai in the Kenyan bush yet sells her jewelry online and in U.S. retail stores.  She turns her passion into profit and also helps the world since she reinvests a portion of her business income in local projects, roads or schools to help the people of Africa.

internet-business

At times a table in the sunny courtyard of our hotel Meson de las Flores is my office.

The USA Today article reviews other mobile internet businesses. Here is an excerpt:  Kathy Levinson’s office environment is vastly different (from Katy Leaky).  The real estate agent works in a 10-foot-by-12-foot refurbished storage closet in the basement of her Port Washington, N.Y., home. She made the windowless office cozy by adding carpet, fresh paint and soft lighting. Leakey and Levinson are part of a surging group: business owners who work from home or in remote or mobile offices. Nearly 9% of all North American adults operate a business out of a home, according to Forrester Research. And the number of people who work remotely will continue to increase worldwide, according to research firm IDC.

Many factors will contribute to the continued growth of remote working. They include technological advances, the desire for more life/work balance and the desire of retiring Baby Boomers and older adults to keep working for personal and financial reasons.

“Folks in their 60s, 70s and 80s have 35 or more years (of life) to enjoy and pay for, but not everyone wants to be a greeter at Walmart,” says Joanne Pratt, a futurist and researcher who has studied the effect that technology has on home-based businesses. She expects many in these age groups to operate businesses from home. “That gives them the luxury of enjoying so-called retirement while keeping a hand in and earning income.”

Laptops, broadband make it possible!

Levinson and Leakey have disparate careers, work styles and offices. Yet they credit the same necessity with enabling them to run businesses on their own terms: technology.

Souped-up laptops, speedy broadband Internet connections and low-priced global phone plans have helped empower millions of people to ditch traditional office settings and run businesses from their homes, cars, vans or even a tent.

Small-business owners now have access to “more powerful tools that used to be available only to large enterprises,” says IDC mobile enterprise research analyst Sean Ryan.

Lower costs, no commute.

There are many lifestyle benefits to running a home-based business: no commute, working in sweatpants and the array of readily available food in the kitchen refrigerator.

There are also some financial benefits. Home-based businesses take in less revenue than businesses that lease space, but they keep more money because there is no rent or other expenses that go with leasing, according to Pratt’s research for the U.S. Small Business Administration’s Office of Advocacy.

I love our bubbling creek so sometimes stroll to our deep woods office on Little Horse Creek and work there.

internet-business

7 Fundamental Laws of Your Own Internet Business

Knowing this ancient wisdom gives seven steps to calling on a vast pool of inner intelligence that we can combine with the wonders of modern technology. This combination leads us easily and stresslessly to a healthier and more enjoyable way of creating income and wealth.

#1: All Investments are Controlled by just a Few Natural Laws

Step to take: Look for fundamental economic laws which serve society rather than just for hot investments.

“The ideals which have lighted my way to face life cheerfully have been Kindness, Beauty and Truth. The trite subjects of human effort-outward possessions, outward success, luxury have always seem to me contemptible.” Albert Einstein

#2: All Natural Laws of Economics are Dynamic

Step to take: Look beneath the balance sheet.

“What have you in your houses? And what is it you guard behind fastened doors? Have you peace, the quiet urge that reveals your power? Have you remembrance, the glimmering arches that span the summits of your mind? Have you beauty, that leads the heart from things fashioned of wood and stone to the holy mountain?  Tell me are these things in your houses? Or have you only comfort, and the lust for comfort, that stealthy thing that enters the house as a guest, and then becomes the host and then a master?  Ay and it becomes a tamer and with hook and scourge makes puppets of your larger desires. Though its hands are silken, its heart is of iron. It lulls you to sleep only to stand by your bed and jeer at the dignity of the flesh. Verily the lust for comfort murders the passion of the soul and then walks grinning in the funeral.” Kahil Gibran

In Western society, we are fooled by triple illusions of material wealth. These illusions are net worth, balance sheets and money. These are measures that never show true wealth and can change quickly.

Such undependable measures of wealth lead to never-ending restlessness. They are like looking at a picture of a picture of a picture and treating this picture as if it were real.

We look at how all business are ideas and how dynamic nature is so too must our business be.

#3: All Wealth is Within

Step to take: Listen to your inner intelligence.

“The course of human history is determined not by what happens in the skies but by what takes place in our hearts.” Sir Arthur Keith

#4: All Economic Laws are Ruled by Cause and Effect

Step to take: Learn to give.

“It is truly one of the most beautiful compensations of life that no man can sincerely try to help another without helping himself.” Ralph Waldo Emerson

#5: The World’s Economy has Infinite Abundance

Step to take: See the infinite possibilities.

“Water is everywhere around you but you see only barriers that keep you from the water.” Rumi
#6: All Economic Laws are Simply Energy and Desire

Step to take: Give attention to intention.

“Put your heart, mind, intellect and soul even to your smallest acts. This is the secret of success.” Swami Sivanada

#7: The Only Certainty is Change

Step to take: Embrace change.

“Do everything with a mind that lets go.” Achaan Chah.

When in Cotacachi, I work from our studio and watch the sunrise over this view.

ecuador-internet-business

When on Ecuador’s coast I work on the balcony of our beach front apartment and watch the sunset.

ecuador-internet-business

We live in miraculous times.  The current economic downturn moves us along… to where we really want to be.  Ancient wisdom and modern technology take us from there.

Merri and I hope that every step of your journey is blessed.

Gary

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

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

This course can help you create your own internet business.

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

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

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

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

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

Even Better Get All three Courses Free

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

Head south to Ecuador!

Oct. 21-24 Ecuador Import Export Tour

Oct. 25-26 Imbabura Real Estate Tour

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

December 6-8 Beyond Logic Shamanic Tour

December 9-10 Imbabura Real Estate Tour

December 11-13 Ecuador Coastal Real Estate Tour

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  Your office: At home, in a tent, or something more formal

Small Business Tangled Idea


Here is a tangled small business idea that can untangle complications in your life and career.

Cotacachi-Otavalo

See how this woman may help make your life better… and you hers.

This tangled thought begins with two of the major themes at this site… “turn your passion into profit” and “embrace change”.

Yet momentum off us keeps us locked in a rut… until something like the recent economic crash breaks or ends our routine or job.

Such seeming problems can lead us to our real passions and desires.

otavalo-Ecuador

People like this can make a new business for you fun… and you theirs.

Excerpts from a recent USA Today article “For some, hard times are a gateway to new careers” by Rick Hampson explains how (the bolds are mine): To  cope with the recession, people like Sussy Deleon are coming up with creative ways to make a buck. Listen to Deleon, who was in real estate, describe her new business: selling pinatas handcrafted by artisans in Guatemala.

For millions of Americans, the recession has been a curse. For a relative few, it’s something more complicated: A catalyst for change. An opportunity to grow.  A kick in the butt.

In some cases, economic necessity has been the mother of re-invention. It has forced people to pursue careers they might never have considered if they hadn’t gotten — or quit before getting — the ax.  Their optimism is based on two convictions: That even in hard times, people still will spend on things like their dogs, their kids and their looks; and that things such as flexible hours, casual dress and a shorter commute are worth a few lost dollars.  Above all, they agree that if they hadn’t been pushed, they never would have made the leap.

Andrea Kay, author of Life’s a Bitch and Then You Change Careers, says many people hang onto jobs they don’t like, oblivious to the fact that their unhappiness — which they mistakenly think they can hide — hurts their performance and attitude.

It’s the same in every economic downturn, says David Kyvig, a Northern Illinois University historian who wrote Daily Life in the United States, 1920-1940: “When things are going well, we tend to stay with what’s working. When they don’t, we explore something new.”  In a surprising number of cases, we’re happier — “if, after the shock, anger and fear, someone is willing to see there’s an opportunity to do something different,” Kay says. “Then they ask, ‘Why did I wait so long?’ “

Research indicates that workers who change jobs generally are more satisfied in their new positions than their old ones, even though they often take cuts in salary and benefits, AARP economist Sara Rix says.

A new idea

Sussy Deleon got her idea for a recession-proof business at her son’s first birthday party.  The young guests couldn’t break the piñata to get at the goodies. The piñata, made in China, was cardboard, not wire-and-tissue paper like those in Deleon’s native Guatemala.  When the recession dried up her real estate sales practice in Providence, she decided to import piñatas handcrafted by Guatemalan artisans in designs ranging from animals to clowns to spaceships. Deleon, 39, sells them at her new shop, the Piñata Center, for $40 to $50.  “People still have some money to spend, and they’re going to spend it on their kids” — particularly on special occasions, she says.  After four months in business, Deleon’s begun to make enough to cover her costs.

A passion Caroline Blake knew what she didn’t like — her job — and what she did — animals. The result was a new career in pet care.  A year ago, Blake, 29, of Kenilworth, N.J, was a recruiter for an IT consulting firm that was laying people off. Fearing she was next, she quit. She bought a Fetch! Pet Care franchise for $10,000. Some friends were skeptical. “You’re leaving a good-paying job to walk dogs?” she says one asked.

Blake often works seven days a week, starting as early as 6:30 a.m., with a last walk at 11 p.m. She went three months this summer without a Sunday off.  She has integrated pet care into her lifestyle — while sunbathing around the pool or watching TV. She’ll even jog with a dog.
She charges $18 for a 30-minute visit and $55 a night to keep a dog overnight at her home. She also provides overnight sitters. She says she still makes a fine living, about 75% of what she earned as a consultant. “Smartest thing I’ve ever done,” she says. “Every day, a different dog.”

Trying something different Springs, 45, was laid off in April. In her next job she wanted security, and she wanted to make things with her hands. After considering more gender-typical jobs — nursing, teaching — she settled on a six-month welding program at Central Piedmont Community College, with $4,000 in tuition and fees covered by federal stimulus money.  She’s the only woman enrolled in the six-month program. Her first welding job should pay $28 to $32 an hour, about twice what she made as a driver.  “When you get knocked down, you brush yourself off and get up,” Springs says. “My daughter’s watching my response. Does she see me wallow in pity or try something different?”

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

This course can help you create your own internet business or how to market your prodcut or service over the internet.

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.

Cotacachi-Otavalo

Meet these Otavalo textiles producers  at our next Ecuador export tour Oct. 21-24 Ecuador Import Export Tour

Help these wonderful people expand their businesses as you begin yours.

Or come to our January 2010 Ecuador export tour.

May I add that we have done  a pretty good job helping readers start their own business already? Here are a few examples of small businesses that have been started with our help.

From Sandra, a restaurant owner:

“Dear Gary and Merri, yes I did it! Without you and your wonderful writing class I would not have been able to see my potential!! I THANK YOU BOTH! You told me to write about what I know and I did. Thank you for all the encouragement. Starting today, we are taking orders and I wanted you to be the first to know! So here goes…..I have some exciting news to share! I have just written my first book and very much appreciate your help. This book would make a great gift for any bride-to-be or even the parents of the bride (especially if they’re paying the bill)! Please check it out. I genuinely appreciate you helping me spread the word! Thank you!! Sandra”

Recently Sandra wrote again: Hi dear ones,  I just wanted to share an update with you.  Look what we are doing for Feed The Children and introducing our hCard Program to their schools!  Remember it was at your meeting, that Marvin and I met.  He is now our vice president!

Remember the book I wanted to write while attending your class in the mountains…….I did finish it and now it has been “purchased” as an online downloadable version. for a network marketing company.  Learn more about Feed the children and Sandra’s book form Sandra Burnett at sburn10@aol.com.

From Jerusha, an anthropologist:

“Hello Gary and Merri. I am the first in the class to publish! I published a calendar!

“I posted the lulu site on the forum because it looks like a good place to start for people. It is a lot of fun and very easy to do. Jerusha”

From Todd, a wedding photographer:

“Thanks, Gary and Merri name recognition is beginning. Here is my new photoletter that your program helped me develop. I’m getting more clear about my own marketing now, so I may be able to better advantage of it. I am planning now to send out an email once a week showcasing new photos and creating awareness for my products and services. By mid July, I will place my first greeting card order (with a printing company Merri recommended in Cotacachi). So, I will soon have an inexpensive product to offer along with the more expensive prints that I sell. So far, I’ve got 60 opt-on subscribers to my email list, and I am telling everyone I know about it, so it’s starting to grow nicely. My first goal is to have 1000 readers. I’ll see how quickly I can accomplish it. Take care, Todd” Learn more about Todd’s business at todd@toddsmithphotography.com

From Mickey, a real estate broker:

“I want to say thank you for the inspiration and encouragement that I received through your publishing program. I recently published a 28 page booklet” Naples is Priceless “. This FREE booklet is being distributed through the Chamber of Commerce, banks, hotels etc. With over 25 years as a Naples Realtor I can now let potential real estate buyers gain knowledge and inside tidbits about this beautiful area. Again, thank you for helping me develop my potential. Micky”

From Michelle who was on disability: “Hi Guys, I have been working my tail off applying the stuff that I learned from both your publishing seminar. Amazing how much meat I keep pulling out of those conferences! I want you to be the first ones to know that I just finished my first e-book: “A Practical Guide to Social Security Disability Benefits”. I am very excited!

“You have no idea how much I have learned and continue to learn from both of you and how my life has changed since I met you. Having learned from you the basic premise of diversification, how to follow your passion and tap into your personal knowledge base, I seem to have one opportunity after another present itself and I am making the best of it. The really exciting thing is that this has allowed me to build a foundation which I continue to use to launch my new endeavors. The possibilities are endless!

“Here’s an Update : “I get on average 368 – 522 visits per day! And I rank in the top 2 pages of Google search for tons of keywords below are just a few:  holistic living tips 1 and 2 out of 1,620,000 – definition healthy spirit 1 and 2 out of 1,840,000 – emotional healthy living 1 out of 2,060,000 – benefits of Healthy Living 6 and 7 out of 2,420,000 -holistic wealth 3 out of 1,810,000 – definition of healthy 7 out of 2,910,000 – healthy holistic living 2 and 3 out of 1,980,000 – holistic living Google 14 out of 2,300,000 – holistic health tips 10 out of 1,960,000

“ Gary you are right the internet is the Great Equalizer! See what I have published,  My best to you as always, Michelle”

Since sending that note Michelle’s site has grown to over 1,000 visits a day! Learn more about Michelle’s business from her at mtoole2@tampabay.rr.com

We hope to help you take advantage of the great economic shifts we are experiencing now create your own business which is why I am making a special offer below.

Gary

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

You can now get Tangled Web, How to Have an Internet Business  and my other two business courses described above free.

I am giving everyone who enrolls in all our seminars or tours for any one month, October, November or December 2009, the online courses “Tangled Web… How to Have an Internet Business Course,”  “Self Fulfilled- How to be a Self Publisher” and “International Business Made EZ” free.

Yet there is even more.

Join our Ecuador courses and tours October, November or December…. but you do not have to.

Head south. Experience Ecuador or…

Oct. 21-24 Ecuador Import Export Tour

Otavalo-art

Meet Ramiro on the export tour.

Otavalo-art

We like his style and…

Otavalo-art

have purchased…

Otavalo-art

many of his works ourselves.

Oct. 21-24 Ecuador Import Export Tour

Oct. 25-26 Imbabura Real Estate Tour

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

December 6-8 Beyond Logic Shamanic Tour

December 9-10 Imbabura Real Estate Tour

December 11-13 Ecuador Coastal Real Estate Tour

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

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

If you cannot attend a 2009 seminar or tour sign up for the three online courses for $299 now and I’ll give you full credit of this amount on any of our seminars or tours in January, February or March 2010.

International Investing Light


There may be international investing light at the end of the tunnel… soon… but we must take care for now.

See below how this can create income in Ecuador.  Hand dyed, all natural yarn ready for beautiful sweaters.

Ecuador-tours

We must take care because before we really see the international economic light, I expect one more downturn this autumn… one that will break the economic backs of many who have been just barely hanging on.

Markets and economies rise and fall in spurts and provide large influxes of  profit that create really bad fiscal and lifestyle habits that are destructive when dangerous economic ex-spurts (recessions) come long. See more about this here

The first dangerous time is when markets rise so much for so long that the general population becomes convinced that “the good life’ will last forever.   Then the second dangerous times comes in the form of a market crash.

The crash destroys many lives and finances.  Then after a year or so the markets rally on news of an economic recovery.  There is a fairly decent broad pickup, led by the consumers, government stimulation,  tax cuts and low interest-rates.   This is a knee-jerk stock market reaction, at the first sign of a healthy economy.  The stock market kicks up 10% at minimum, 30% at best. These rallies are not based on reality though. They are usually short lived.

This short term bear rally spurt is followed by another severe ex-spurt (bear market) which we should expect now.

Here are some tips to help survive such dangerous times:

First recognize that tight economies are best for making money. For example Marc Andreessen co founder of Netscape started Loudcloud, an Internet infrastructure company in a terrible recession  because there was less competition, easier access to good labor. Both businesses and employees are more realistic in tough times.

Tough times can be good because they force us to do what we should already have been doing. Human nature being what it is, we get fat when the times turn easy and seem good. Here are a few tips we should always heed, but sometimes can survive ignoring when economies boom. If we ignore them now, it is at our peril.

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

#2: Do not be inflexible or proud. Not long ago a seminar delegate told me about a friend who had risen from a zero net worth to having an Internet portfolio worth $300 million. “Then,” the delegate said, “he lost it all when the bubble burst. He went right back to where he started.” That was not quite right. That investor did not go back to where he started. He most likely acquired bad habits when he thought he was worth $300 million! Unless he shed these habits when he went broke they will make it harder for him to succeed again! In good times, we may think we deserve a certain way of life or that some things are inalienable rights. Really our only economic right it to spend a little less (maybe 90%) than we earn.

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

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

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

#6: Remain true to your economic plan. Use three phase investing as described many times in our messages. Do not panic and stick by your investments (assuming they were made intelligently to begin). This will increase your odds of success and help you with step seven.

#7: Maintain perspective.  A USA Today article “American Workers Rethink Priorities” pointed out that many workers are taking time to rethink their grueling schedules or about pursuing work that might pay less but is more meaningful. We live in the richest, most incredible era that mankind has ever known. Our poorest have more than the richest of just centuries ago. Yet this can be hard to remember when caught in the day-to-day rush of the material rat race. Inspired investing is doing what we love and figuring out how to make money from it. We increase our odds of success and enjoy what we are doing more. When times are tough and the economy slows, this perspective can give us time to sit back for at least a few moments and ask, “What do I really want to do with the rest of my life?”

The answer is the most important asset you will ever receive.

Until next message, good global business and investing!

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.

This is why I am giving everyone who enrolls in our North Carolina or November Ecuador International Business & Investing seminar 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.

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 Only One Place Left

Oct. 21-24 Ecuador Import Export Tour

Oct. 25-26 Imbabura Real Estate Tour

On the Ecuador Import Export Tour we visit Winter House, a boutique wool factory.

ecuador-exort-tour

They make wonderful organic cotton and wool prodcuts with all natural dyes.

ecuador-exort-tour

Their sweaters are very colorful and they’ll sell just one  but also ship entire loads to retialers in the US and Canada.  You can create basics or have them put together your own design.

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

Internet Business Haro


New micro internet business opportunities arise all the time… Your own small internet business is a great way to make money… but there is something more.

Cotacachi-Ecuador-Condo-Rent

Morning on Cotacachi Ecuador’s plaza may be foggy but the economy is sunny and bright… and

I was sitting on our balcony at our hotel Inn Land of the Sun (formerly Meson de las Flores) in Cotacachi Ecuador… looking at the sunrise view.

internet-business-view tags;

Mt. Cotacachi was on my left.

internet-business-view tags;

Mt. Imbabura on my right.

internet-business-view tags;

The time was 5:36 am and I began my first round of answering my email.

The first note opened had the subject Om Bir and the email said:  Hello sir,  Nameste. T his is lalit from Nepal. i m working from two yrs. in roses. as a farm supervisor. we are exporting roses to japan.i’ll write you more about company.looking forward your reply.  lalit  kathmandu

What a wonderful way to start the day… I am in a small mountain village getting blessings from someone in mountains half way around the world.  Namaste means “may that which is in God be within you.”

We offer a course to help our readers start their own web business. This freedom not only makes life more enjoyable but also reduces the cost of living.

Technology brings us so many blessings… the things we take for granted… air travel… electricity… computers… cars… the internet… would be considered miracles for 99% of mankind that has existed.

Yet we can with the push of a button gain blessings… and business from around the world.

This is why we are sharing a free course on how to create your own website without a webmaster written by Michelle Toole. Here is the 38th lesson in this course.

What’s HARO?  By Michelle Toole

So you’re interested in starting your own self publishing business on the internet? Or maybe you have a book that you wrote and want to make a name for yourself?    Well, I have a great tip for you…..actually, it’s a great tip for anybody wanting to establish themselves as an expert and this will help you build your own ‘brand of one.’

Editors, as Merri always reminds us, are “always looking for content” and the same goes for reporters, bloggers, radio hosts and pod cast hosts.   So, how do you connect with editors, reporters, bloggers, radio hosts and pod cast hosts that need you?  Good Question….

And I have a great answer…. HARO.  What’s HARO?

HARO stands for ‘Help a Reporter Out’, a web site (helpareporter.com) started by Peter Shankman and it is an excellent resource for those of us trying to build our own ‘brand of one.’

According to Peter, “I built this list because a lot of my friends are reporters, and they call me all the time for sources. Rather than go through my contact lists each time, I figured I could push the requests out to people who actually have something to say.  These requests only come from reporters directly to me.”

Once you sign up to Peter’s web site you will get 3 emails each day.  Each email will include a list of reporters, bloggers, radio hosts and pod cast hosts looking for sources for their stories.  Of course it’s not likely that you will find someone looking for your expertise on a daily basis, but I wouldn’t be surprised if you find something every other month.  It’s certainly worth your time and the best way to build your ‘brand of one’ is to put yourself out there.

Good Luck and happy Branding!…

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

The sun always shines somewhere. Because many Americans are headed south… business is suffering in the north… but getting better n the sun!

Gary

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

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

How We Can Serve You

ecuador-wine and cheese

We’ll have Ashe county wine tasting here at the New River Vineyard during our Blue Ridge seminars.

Or head south to Ecuador!

international-business-made-ez

Let our friendly staff at our Inn Land of the Sun (formerly Meson de as Flores) serve you.

otavalo-hotel-for-sale

In Cotacachi and surrounds the weather is always spring like.  Here are delegates taking a shirt sleeve, winter break at a hotel for sale on our Imbabura real estate tour.

ecuador-internet-business

Winter is shorts weather on Ecuador’s coast. Here I am working in February at our Ecuador coastal penthouse… shirtsleeves and shorts!

Join us in the mountains and at the sea. Attend more than one seminar and tour and save.

Ecuador & International Banking Update


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

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

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

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

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

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

My attorney wrote this to me:

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

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

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

Learn how to subscribe to Ecuador Living here.

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

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

Where to Bank

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

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

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

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

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

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

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

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

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

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

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

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

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

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

The Dutch were early in dropping American clients.

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

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

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

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

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

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

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

Case study: Cast out in the supermarket

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

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

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

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

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

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

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

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

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

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

There are two levels of managed accounts for US investors:

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

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

There are two forms of advisory accounts for US investors.

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

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

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

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

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

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

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

JBPB works with six profiles:

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

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

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

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

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

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

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

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

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

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

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

Gary

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

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

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

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

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

Sept. 17-21 Ecuador Super Thinking + Spanish Course

Sept. 23-24 Imbabura Real Estate Tour

Sept. 25-28 Ecuador Coastal Real Estate Tour

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

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

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

Oct. 21-24 Ecuador Import Export Tour

Oct. 25-26 Imbabura Real Estate Tour

Nov. 6-8 IBEZ Ecuador Seminar

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

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

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

Read the full articles:

Lloyds Bank hit by Obama tax purge

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

Barclays bank rejects customers to comply with US terror law