Tag Archive | "beach real estate"

Montanita Ecuador


DESTINATION MONTAÑITA ECUADOR

montanita Ecuador

Fishermen bringing in their catch.

This week our friend and Ecuador attorney Dr. Andres Cordova, shares a journey to Montanita Ecuador.

andres cordova

Dr. Andres Cordova

My work and passions have me on the road for a good part of the year, attending to clients and friends in the coast or the highlands, looking at real estate deals, exploring trends, discovering places. I like traveling and soaking in as much of what every place has to offer.

I always bring my battle hardened DSLR camera with me. I have literally tens of thousand of pictures of Ecuador by now. Photography is one of my passions. Music and reading are other ones.

I love talking to the locals, taking a real interest and curiosity in their crafts and livelihood; it so enhances the experience, helping me understand and appreciate many things. Best of all, it gets me new friends.

I like to travel with an open heart, and with expectations at bay. This is the best way. The good and the bad, they are all part of the experience and make us better in many ways.

Internet services are widespread and sufficiently fast in most of Ecuador and, depending on your work, your office can pretty much be wherever you are with your smartphone or laptop. Many times I find myself answering emails or reviewing paperwork while enjoying stunning beach views, or mountain views for that matter.

In early December last year, after some work in Playas and Guayaquil, and after attending an epic marriage party at the beach in Punta Blanca (20 minutes from Salinas) I decided to get to Montañita and work from there for about a week. It was a really nice experience and I’d like to share some of it with you. It was kind of a “Sabbatical” week; only that I am not a professor and it did include work. I had a blast and got so much done. A rather good tan did not hurt either.

montanita Ecuador

Read a good book on the beach

Montañita is a small town some 45 minutes north of Salinas and some 90 minutes south of Manta, via beautiful scenic routes with many interesting places along the way.

Montañita is a happening place, there’s no question about it. It started as a rather small settlement in a beautiful beach blessed by good waves. Soon enough surfers took notice, then beachgoers too. At the beginning surfers would camp in tents by the beach. I remember doing so with a cousin some 35 years ago. BTW, he went on to become the Ecuadorian surf champion not long afterwards.

montanita Ecuador

Surfboards for rent lined up in Montañita

Many artists began making Montañita their permanent or part time home. Then modern-day hippies started to spend some time in the place, selling their crafts and spreading a peace and love atmosphere.

As tourism to Montañita grew, restaurants and hotels sprouted all over; each with its own cool decorations and themes. As tourism grew, street artists descended to Montañita, enlivening the nights while practicing their craft by the shore during the day.

MONTAÑITA 6

Enjoy street performers from many parts of the world

Montañita is now a unique melting pot with people from Ecuador, Colombia, Peru, Chile, Argentina, Brazil, Israel, the US, Canada and many more countries. Some foreigners stay for a few months, others have made Montañita their permanent home.

This creates a rather interesting dynamic with good food and lots of options, the opportunity to make new friends, understand different cultures and try lots of stuff. Yes, even hooking up. Smile.

You can learn yoga or Spanish (at a school ranked among the world’s best), get Reiki or dance your arse off (if you are British) in what is deemed to be among the top discos in the world.

Of course, you can also read a good book while the soft ocean breeze soothes you. I did as much for a couple of hours a day, finishing a real good book, thoroughly enlightening and quotable. It’s The Atheist Muslim by Ali A. Rivzi; very well written and profoundly compassionate.

Now, Montañita can sure be rough around the edges. It’s a small town by the beach and not particularly blessed by great infrastructure. During some times of the year it can be quite crowded and loud, most notably at night with lots of people partying and the persistent noise of competing sound systems from bars, restaurants and discos. I kind of like it, for a while. It’s an experience.

It gets crowded and over the top during holiday weekends. The craziness is worth experiencing. For the rest of the time, it tends to be more laid back, but with many things still going on. You can’t be bored in Montañita.

MONTAÑITA 10

Enjoy nice food and places to stay. Tiki Limbo is a great option.

MONTAÑITA 9

I stayed at a Tiki Limbo Hotel. This made my experience all the greater. It is cozy, really well decorated, very comfortable, well priced and the food is possibly among the best in Montañita and miles around. I’ve been there before and am friends with the staff. This is why I am so happy to recommend it. They are exceedingly nice.

Sitting at an outside table in Tiki Limbo (it has the best spots), whether alone or with good company, offers you a great opportunity for people watching, for eating great food, reading a good book, catching up on your emails or mingling with friends. And I love that.

MONTAÑITA 5

Stroll the beach while feeling the soft sand under your feet

It’s so nice to focus on all the people that come up and down the street. The visitors from all places, including Ecuador, the group that just arrived from the cold in the north, still whiter than milk; the group just leaving, mightily tanned or burned to a crisp; the new hookup between a local and a towering Norwegian girl, the ripped surfers with bleached hair coming out from the beach, the street artist practicing juggling on top a unicycle, the girls taking selfies every other step, the guy who just wrote a book and wants a collaboration.

MONTAÑITA 3

Enjoy stunning sunsets in Montañita

I could go on and on.

montanita Ecuador

Get around by bike

While Montañita can be a bit anarchic and loud, especially on the higher season, with all the perks and snags of a beach party town it is also a place for profound contemplation. I appreciate a special spirit of utter kindness and easygoingness in Montañita. People greet each other with true warmth. Smiles abound. People go out of their way to pet the many dogs that either have an owner or not but are part of the scenery both in the town and at the beach. They bring them water and comfort them. Some dogs will wait for their master friends at the shore while they surf, eventually engaging in beach soccer that is so common there.

Granted, Montañita is not for everyone. I happen to love spending time there.

For those who are adventurous and seek fun, buying real estate in Montañita is a good option. Not only for personal enjoyment but also for income and appreciation.

Andres

If you are interested in exploring this option drop me a line at gary@garyascott.com with the words MONTANITA in the subject line.

Spanish words you can use

Music – Música
Waves – Olas
Arena – Sand
Tourist – Turista
Handcraft – Artesanía

Learn Spanish in Three Days ONLINE

The “Learn Spanish in Three Day Course” is now available online.

Learn Spanish in a day, or a week, month or any time frame that works for you.

I’m Gary Scott.  Over fifty years ago I started a business that has helped hundreds of thousands of subscribers learn about investing in Hong Kong (1960s and 1970s), Switzerland, London, Isle of Man (1970s and 1980s) and across Europe.  In the 1990s we took investors to Panama, Mexico and Ecuador.  That’s when we realized an incredible need for an easy way to learn Spanish.

See below how my wife Merri was able to create a program that allowed students to be speaking and understanding Spanish in just three days.

Thousands of subscribers have learned Spanish at our three day Super Spanish course.  These courses have been taught across the US, in Canada, Panama, Mexico, Ecuador, Uruguay and Spain.

spanish

A Super Spanish course in Florida.

Read below to see how and why we are now offering our Super Spanish course ONLINE for the first time.

Speaking Spanish as a second language has huge benefits.

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 English at all.

You become one of a leading few 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 (bolds are mine): “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.

You may choose to take more time using the ONLINE course to learn Spanish, but thousands of our readers have learned to speak Spanish in only three days 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!

A special method of learning (called Super Learning) was created and refined by the Bulgarian educational master, Georgi Lozanov.   Lozanov transformed the entire Soviet educational system to such a degree that this third world country beat the USA into space.

My wife 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 1970s.  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 students 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 to create Relaxed Concentration 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 was among just a few who learned directly from Lozanov.

gary scott super thinking session

Super Spanish relaxed concentration session.

You gain six valuable ONLINE Relaxed Concentration sessions in the online course that is delivered via the internet.

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.   This eliminates the need to memorize 99% of Spanish words.

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 created an online program for subscribers to use the Super Spanish course at home.   The normal three day course fee is $499 ($749 for a couple).

The ONLINE course is available 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 ONLINE 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

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 Young or Old

Most Super Spanish students are all ages ,

Gary-scott-spanish-course

Super Spanish students at this course ranged from nine to over eighty years old.

Become a Spanish translator!

The wife of one couple who attended explained how after just three days her husband ended up as an accidental translator.

She wrote:  Gary,  I have sent Merri a couple of messages, and  a story of Mike being able to translate yesterday for a Spanish person  who couldn’t understand what a man was trying to tell him!

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.

The video below shows a super fast way to gain the basics so you can communicate in Spanish in just three days.

Gary-scott-super-spanish

Click here for FREE Super Spanish video.

Still can’t believe you can learn Spanish in a short time?

You have nothing to lose but to try.

The ONLINE Super Spanish 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

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

 

 

Two Ecuador Ocean View Beach Condos – $97,000


Advertisement

Rentable furnished beach condos with view of this beach.  They are available to live in or use as rental units.

san-clemente-ecuador-beach

Price: $97,000 ( negotiable) each. There are 2 fully furnished units available with same furniture in each.

Property Type: Condominium

Beds/Baths: 2/2

Location: San Clemente, Sucre, Manabí, Ecuador

View Type: Mountain View, Ocean View

Total Lot Size: 164.00 m2 (1,765.27 sq ft)

For more information contact Ecuador attorney, Floridalva Zambrano at FLORIFLORI58@YAHOO.ES

We DO NOT investigate properties when they are advertised so be sure to complete your due diligence. Always use an independent Ecuador attorney who represents you (not the seller) when you buy real estate in Ecuador. We also recommend that you rent, become familiar with Ecuador before you buy.

Protect Your Wealth With Value

Investing Beyond the Boom

Warren Buffet once warned against the Cinderella effect.

He said “Don’t be fooled by that Cinderella feeling you get from great returns.  Nothing sedates rationality like large doses of effortless money.  After a heady experience of that kind, normally sensible people drift into behavior akin to that of Cinderella at the ball.  They know the party must end but nevertheless hate to miss a single minute of what is one helluva party.  Therefore, the giddy participants all plan to leave just seconds before midnight. There’s a problem, though: They are dancing in a room in which the clocks have no hands.”

Cinderella may have lost a shoe when she fled the party to meet a midnight curfew.  We can lose much more when we rush from a crashing stock market.

Most investors face emotional dangers that build in rising markets.

Almost everyone feels good.

But the clock of economic reckoning is ticking.

No wants to see it.  Nothing rises forever and especially… not everything at the same time.

Yet no one wants to leave the party until the end.

But many edge closer to the door.

When the clock chimes there could be a stampede even though leaving in a hurry may be the worst way to go.

Here are seven steps that can help avoid this risk.

  • Choose investments based on markets instead of shares.
  • Diversify based on value.
  • Rely on financial information rather than economic news.
  • Keep investing simple.
  • Keep investing costs low.
  • Trade as little as possible.
  • Make the decision process during panics automatic.

One strategy is to invest in country ETFs that easily provide diversified, risk-controlled investments in countries with stock markets of good value.  These ETFs provide an easy, simple and effective approach to zeroing in on value.  Little management and less guesswork is required.  The expense ratios for most ETFs are lower than those of the average mutual funds.  Plus a single country ETF provides diversification equal to investing in dozens, even hundreds of shares.

A minimum of knowledge, time, management or guesswork are required.

The importance of…

easy…

transparent…

and inexpensive. 

Keeping investing simple is one of the most valuable, but least looked at, ways to avoid disaster.  Simple and easy investing saves time.  How much is your time worth?  Simple investing costs less and avoids fast decisions during stressful times in complex situations where we are most likely to get it wrong.

Fear, regret and greed are an investor’s chief problem.  Human nature causes  investors to sell winners too soon, and hold losers too long.

Easy to use, low cost, mathematically based habits and routines help protect against negative emotions and impulse investing.

Take control of your investing.  Make decisions based on data and discipline, not gut feelings.  The Purposeful investing Course (Pi) teaches math based, low cost ways to diversify in good value markets and in ETFs  that cover these markets.  This course is based on my 50 years of investing experience combined with wisdom gained from some of the world’s best investment managers and economic mathematical scientists.

Enjoy Repeated Wealth With Pi

Pi’s mission is to make it easy for anyone to have a strategy and tactics that continually maintain safety and turn market turmoil into extra profit.

One secret is to invest with a purpose beyond the immediate returns.  This helps create faith in a strategy that adds stickiness to the plan.

Another tactic is to invest with enough staying power so you’re never caught short.

Never have to sell depressed assets during periods of loss.

Lessons from Pi are based on the creation and management of Model Portfolios, called Pifolios.

The success of Pifolios is based on ignoring economic news (often created by someone with vested interests) and using financial math that reveals deeper economic truths.

One Pifolio covers all the good value developed markets.  Another covers the emerging good value markets.

The Pifolio analysis begins with a continual research of 46 major stock markets that compares their value based on:

#1:  Current book to price

#2:  Cash flow to price

#3:  Earnings to price

#4:  Average dividend yield

#5:  Return on equity

#6:  Cash flow return.

#7:  Market history

This is a complete and continual study of almost all the developed major and emerging stock markets.

This mathematical analysis forms the basis of a Good Value Stock Market Strategy.   The analysis is rational, mathematical and does not worry about short term ups and downs.

This strategy is easy for anyone to follow and use.  Pi reveals the best value markets and provides contacts to managers and analysts and Country Index ETFs so almost anyone can create and follow their own strategy.

Learn how to invest like a pro from the inside out.

At the beginning of 2019 my personal Pifolio is based on select ETFs in the Keppler Developed and Emerging markets.  My Pifolio is invested in Country ETFs that cover seven developed and three emerging markets:

Norway
Australia
Hong Kong
Germany
Japan
Singapore
United Kingdom
Taiwan
South Korea
China

Don’t give up profit to gain ease and safety!

Regardless of economic news, these markets represent good value and have been chosen based on four pillars of valuation.

  • Absolute Valuation
  • Relative Valuation
  • Current versus Historic Valuation
  • Current Relative versus Relative Historic Valuation

When you subscribe to Pi, you immediately receive a 120 page basic training course that teaches the Pi Strategy.   You learn all the Pi strategies, what they are, how to use them and what each can do for you, your lifestyle and investing.

You also begin receiving regular emailed Pifiolio updates and online access to all the Pifolio updates of the last two years.  Each update examines the current activity in a Pifolio, how it is changing, why and how the changes might help your investing or not.

Included in the basic training is an additional 120 page PDF value analysis of 46 stock markets (23 developed markets and 23 emerging stock markets).  This analysis looks at the price to book, price to earnings, average yield and much more.

You also receive two special reports.

In the 1980s, a remarkable set of two economic circumstances helped anyone who spotted them become remarkably rich.  Some of my readers made enough to retire.  Others picked up 50% currency gains.  Then the cycle ended.  Warren Buffett explained the importance of this ending in a 1999 Fortune magazine interview.  He said:  Let me summarize what I’ve been saying about the stock market: I think it’s very hard to come up with a persuasive case that equities will over the next 17 years perform anything like—anything like—they’ve performed in the past 17!

I did well then, but always thought, “I should have invested more!”  Now those circumstances have come together and I am investing in them again.

The circumstances that created fortunes 30 years ago were an overvalued US market (compared to global markets) and an overvalued US dollar.  The two conditions are in place again!

30 years ago, the US dollar rose along with Wall Street.  Profits came quickly over three years.  Then the dollar dropped like a stone, by 51%  in just two years.  A repeat of this pattern is growing and could create up to 50% extra profit if we start using strong dollars to accumulate good value stock market ETFs in other currencies.

This is the most exciting opportunity I have seen since we started sending our reports on international investing ideas more than three decades ago.  The trends are so clear that I have created a short, but powerful report “Three Currency Patterns for 50% Profits or More.”   This report shows how to earn an extra 50% from currency shifts with even small investments.  I kept the report short and simple, but included links to 153 pages of  Good Value Stock Market research and Asset Allocation Analysis.

The report shows 20 good value investments and a really powerful tactic that shows the most effective and least expensive way to accumulate these bargains in large or even very small amounts (less than $5,000).  There is extra profit potential of at least 50% so the report is worth a lot.

This report sells for $29.95 but in this special offer, you receive the report, “Three Currency Patterns for 50% Profits or More” FREE when you subscribe to Pi.

Plus get the $39.95 report “The Silver Dip 2019” free.

With investors watching global stock markets bounce up and down, many missed two really important profit generating events over the last two years.  The price of silver dipped below $14 an ounce as did shares of the iShares Silver ETF (SLV).   The second event is that the silver gold ratio hit 80, compared to a ratio of 230 only two years before.

In September 2015, I prepared a special report “Silver Dip 2015” about a silver speculation, leveraged with a British pound loan, that could increase the returns in a safe portfolio by as much as eight times.  The tactics described in that report generated 62.48% profit in just nine months.

I have updated this report and added how to use the Silver Dip Strategy with platinum.   The “Silver Dip 2019” report shares the latest in a series of long term lessons gained through 40 years of speculating and investing in precious metals.  I released the 2015 report, when the gold silver ratio slipped to 80.  The ratio has corrected and that profit has been taken and now a new precious metals dip has emerged.

I have prepared a new special report “Silver Dip 2019” about a leveraged speculation that can increase the returns in a safe portfolio by as much as eight times.

You also learn from the Value Investing Seminar, our premier course, that we have been conducting for over 30 years.  Tens of thousands of delegates have paid up to $999 to attend.  Now you can join the seminar online FREE in this special offer.

This three day course is available in sessions that are 10 to 20 minutes long for easy, convenient learning.   You can listen to each session any time and as often as you desire.

The sooner you hear what I have to say about current markets, the better you’ll be able to cash in on perhaps the best investing opportunity since 1982.

seminars

Tens of thousands have paid up to $999 to attend.

This year I celebrated my 51st anniversary of writing about global investing.  Our reports and seminars have helped readers have better lives, with less stress yet make fortunes during up and down markets for decades.  This information is invaluable to investors large and small because even small amounts can easily be invested in the good value shares we cover in our seminar.

Stock and currency markets are cyclical.  These cycles create extra profit for value investors who invest when everyone else has the markets wrong.  One special seminar session looks at how to spot value from cycles.  Stocks rise from the cycle of war, productivity and demographics.  Cycles create recurring profits.  Economies and stock markets cycle up and down around every 15 to 20 years as shown in this graph.

stock-Charts

The effect of war cycles on the US Stock Market since 1906.

Bull and bear cycles are based on cycles of human interaction, war, technology and productivity.  Economic downturns can create war.

The chart above shows the war – stock market cycle.  Military struggles (like the Civil War, WWI, WWII and the Cold War: WW III) 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.  The military technology shifts to domestic use.  A boom is created that leads to excess.  Excess leads to correction. Correction creates an economic downturn and again to war.

Details in the online seminar include:

* How to easily buy global currencies, shares and bonds.

* Trading down and the benefits of investing in real estate in Small Town USA.  We will share why this breakout value is special and why we have been recommending good value real estate in this area since 2009.

* What’s up with gold and silver?  One session looks at my current position on gold and silver and asset protection.  We review the state of the precious metal markets and potential problems ahead for US dollars.  Learn how low interest rates eliminate  opportunity costs of diversification in precious metals and foreign currencies.

* How to improve safety and increase profit with leverage and staying power.  The seminar reveals Warren Buffett’s value investing strategy from research published at Yale University’s website.  This research shows that the stocks Buffet chooses are safe (with low beta and low volatility), cheap (value stocks with low price-to-book ratios), and high quality (stocks of companies that are profitable, stable, growing, and with high payout ratios). His big, extra profits come from leverage and staying power.  At times Buffet’s portfolio, as all value portfolios, has fallen, but he has been willing and able to wait long periods for the value to reveal itself and prices to recover.

Use time not timing.

Time is your friend when you use a good value strategy.  The longer you can hold onto a well balanced good value portfolio, the better the odds of outstanding success.

A 45 year portfolio study shows that holding a diversified good value portfolio (based on a  good value strategy) for 13 month’s time, increases the probability of out performance to 70%.  However those who can hold the portfolio for five years gain a 88% probability of beating the bellwether in the market and after ten years the probability increases to 97.5%.

Learn how much leverage to use.  Leverage is like medicine, the key is dose.  The best ratio is normally 1.6 to 1.  We’ll sum up the strategy; how to leverage cheap, safe, quality stocks and for what period of time based on the times and each individual’s circumstances.

Learn to plan in a way so you never run out of money.  The seminar also has a session on the importance of having and sticking to a plan.  See how success is dependent on conviction, wherewithal, and skill to operate with leverage and significant risk.  Learn a three point strategy based on my 50 years of investing experience combined with wisdom gained from some of the world’s best investment managers and economic mathematical scientists.

The online seminar also reveals  the results of a $80,000 share purchase cost test that found the least expensive way to invest in good value.  The keys to this portfolio are good value, low cost, minimal fuss and bother.  Plus a great savings of time.  Trading is minimal, usually not more than one or two shares are bought or sold in a year.  I wanted to find the very least expensive way to create and hold this portfolio so I performed this test.

I have good news about the cost of the seminar as well.   For almost three decades the seminar fee has been $799 for one or $999 for a couple. Tens of thousands paid this price, but online the seminar is $297.

In this special offer, you can get this online seminar FREE when you subscribe to our Personal investing Course.

Save $468.90 If You Act Now

Subscribe to the first year of The Personal investing Course (Pi).  The annual fee is $299, but to introduce you to this online, course that is based on real time investing, I am knocking $102 off the subscription.  Plus you receive FREE the $29.95 report “Three Currency Patterns for 50% Profits or More”, the $39.95 report “Silver Dip 2019” and our latest $297 online seminar for a total savings of $468.90.

ecuador-seminar

Triple Guarantee

Enroll in Pi.  Get the basic training, the 46 market value report, access to all the updates of the past two years, the two reports and the Value Investing Seminar right away. 

#1:  I guarantee you’ll learn ideas about investing that are unique and can reduce stress as they help you enhance your profits through slow, worry free, easy diversified investing.

If you are not totally happy, simply let me know.

#2:  I guarantee you can cancel your subscription within 60 days and I’ll refund your subscription fee in full, no questions asked.

#3:  You can keep the two reports and Value Investing Seminar as my thanks for trying.

You have nothing to lose except the fear.   You gain the ultimate form of financial security as you reduce risk and increase profit potential.

Subscribe to Pi now, get the 130 page basic training, the 120 page 46 market value analysis, access to over 100 previous Pifolio updates, the “Silver Dip 2018” and “Three Currency Patterns For 50% Profits or More” reports, and value investment seminar, plus begin receiving regular Pifolio updates throughout the year.

Subscribe to a Pi annual subscription for $197 and receive all the above.

Your subscription will be charged $299 a year from now, but you can cancel at any time.

Gary

 

 

 

 

 

Manabi Ecuador Beach View Condos – $65 a Sq. Ft.


The following paid advertisement shows beach view condos available for less than $65 per square foot.

A PRIVATE HAVEN AWAITS FOR YOU!

Manabí, Ecuador.

MANABI ECUADOR CONDOS

Click on photos to enlarge.

“Ecuador loves life,” they say. But we say, “Life loves Ecuador”, because it has blessed us with its uniqueness. The best part of Ecuador is that you can experience the richness of its biodiversity any day, anytime; as distances are so short and roadways continue to improve with each passing year. This is why having a home there is a true gift from nature.

A popular Spanish song, nothing more than an ode to the ocean, went like this: “In the sea, life is so much tastier; in the sea, I love you so much more. With the sun, the moon, and the stars, in the sea, everything is joy.” Despite what is lost in translation, it’s still deeply clear how the ocean has the unique power of making us feel light with peace and carelessness. If you were granted the opportunity of experiencing this every day, would you seize it?

Visit our web page. www.jamacampay.com

Be part of one of our 2013 Chill Weekend.

RESERVE YOUR HOME.  PAY $5000 NOW & COME TO A 2013 CHILL WEEKEND FOR FREE*

* FREE if you buy.  If decide not to buy we’ll deduct the value of the chill weekend, taxes and government fees.

In JAMA CAMPAY, relaxation is at first sight, is from the early morning, when we wake up and look at the horizon that bright blue fusion between the sea and the sky, feeling how the gaze is lost into an almost imperceptible line that  is formed by our world with enormous universe.

MANABI ECUADOR CONDOS

Later, when the afternoon falls, the sky turns colors with the complicity of the sun, offering a natural attraction immeasurable as we relax in our inviting pools, like predisposed boxes to enjoy this beautiful sea. This is one of the reasons why Wall Street Journal chose JAMA CAMPAY as one of the five remote locales across the globe that offer both beauty and solitude (4th of January 2013).

JAMA CAMPAY is strategically located approximately 198 miles from Quito, in one of the closest beaches from the capital with incredible houses, condos and lots facing the sea.  It will be a self-served community with restaurant, grocery store, medical dispensary, club house, spa, gym and sport facilities.

JAMA CAMPAY has 180 acres beach front. In its first 51 acre lot we’ll build 250 units total, between houses and condos. That means we are only going to use 30% of the land to build, leaving the remaining 70% of the land will be to green, communal and recreational areas. We are 70% sold out, but we do have new phases coming on this October!!

JAMA CAMPAY has 0.72 miles of private beach. We call it private because the only way to get here is thru our property otherwise you’ll have to walk north south 40 minutes or south north 20 minutes.
Come and experience the life style we offer at JAMA CAMPAY. Don’t miss it!

MANABI ECUADOR CONDOS

The condos in the Valdivia Phase were a complete success. The 3rd floor with a roof top access is a 2200 sq ft, 2B|2B condo for 140k that is $63.63 per sq ft.

Condos are 3 minutes’ walk to the beach surrounded by hibiscus and green spaces.

There were 36 condos units available when we launched on January 2012. We only have 12 left.

YOU CAN STILL BE PART OF THE COMMUNITY.

MANABI ECUADOR CONDOS

If you are looking for something bigger, Chorrera, the new Garden House Phase can offer you the best of all.
We can customize your own design and finishing.

MAKE YOUR MONEY WORK!

JAMA CAMPAY has a strategic alliance with a Rental Property Management Company so there are rental income opportunities.  Ask for more information on renting your property.

Visit our web page. www.jamacampay.com

For more information contact Francisco del Castillo at sales@jamacampay.com

We DO NOT investigate properties when they are advertised so be sure to complete your due diligence.  Always use an independent Ecuador attorney who represents you (not the seller) when you buy real estate in Ecuador. We also recommend that you rent, become familiar with Ecuador before you buy.

Learn About Ecuador & Speak Spanish in Three Days

Learn Spanish in Three Days ONLINE

The “Learn Spanish in Three Day Course” is now available online.

Learn Spanish in a day, or a week, month or any time frame that works for you.

I’m Gary Scott.  Over fifty years ago I started a business that has helped hundreds of thousands of subscribers learn about investing in Hong Kong (1960s and 1970s), Switzerland, London, Isle of Man (1970s and 1980s) and across Europe.  In the 1990s we took investors to Panama, Mexico and Ecuador.  That’s when we realized an incredible need for an easy way to learn Spanish.

See below how my wife Merri was able to create a program that allowed students to be speaking and understanding Spanish in just three days.

Thousands of subscribers have learned Spanish at our three day Super Spanish course.  These courses have been taught across the US, in Canada, Panama, Mexico, Ecuador, Uruguay and Spain.

spanish

A Super Spanish course in Florida.

Read below to see how and why we are now offering our Super Spanish course ONLINE for the first time.

Speaking Spanish as a second language has huge benefits.

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 English at all.

You become one of a leading few 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 (bolds are mine): “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.

You may choose to take more time using the ONLINE course to learn Spanish, but thousands of our readers have learned to speak Spanish in only three days 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!

A special method of learning (called Super Learning) was created and refined by the Bulgarian educational master, Georgi Lozanov.   Lozanov transformed the entire Soviet educational system to such a degree that this third world country beat the USA into space.

My wife 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 1970s.  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 students 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 to create Relaxed Concentration 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 was among just a few who learned directly from Lozanov.

gary scott super thinking session

Super Spanish relaxed concentration session.

You gain six valuable ONLINE Relaxed Concentration sessions in the online course that is delivered via the internet.

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.   This eliminates the need to memorize 99% of Spanish words.

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 created an online program for subscribers to use the Super Spanish course at home.   The normal three day course fee is $499 ($749 for a couple).

The ONLINE course is available 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 ONLINE 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

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 Young or Old

Most Super Spanish students are all ages ,

Gary-scott-spanish-course

Super Spanish students at this course ranged from nine to over eighty years old.

Become a Spanish translator!

The wife of one couple who attended explained how after just three days her husband ended up as an accidental translator.

She wrote:  Gary,  I have sent Merri a couple of messages, and  a story of Mike being able to translate yesterday for a Spanish person  who couldn’t understand what a man was trying to tell him!

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.

The video below shows a super fast way to gain the basics so you can communicate in Spanish in just three days.

Gary-scott-super-spanish

Click here for FREE Super Spanish video.

Still can’t believe you can learn Spanish in a short time?

You have nothing to lose but to try.

The ONLINE Super Spanish 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

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

 

 

 

 

 

 

 

 

 

 

International Investments & Spurts


Our messages at this site are mostly about Ecuador, real estate and international investments.

garyascott.com

Ecuador beach real estate has been a very good international investment.  Some readers have asked why I am selling some of my Ecuador property. See why below.

I hope these messages help you make and save money because money is energy and energy fills our needs.

Investments are stored energy… like a battery that continues to fill our needs when we do not work.

The analogy however can be carried further. Too much energy forced into a battery causes it to explode and burn.

A recent January 2010 New York Times article entitled “The Safety Net – Living on Nothing but Food Stamps”  by Jason Deparle and Robert Gebeloff started me thinking about this.  Here is an excerpt from the article.

CAPE CORAL, Fla. — After an improbable rise from the Bronx projects to a job selling Gulf Coast homes, Isabel Bermudez lost it all to an epic housing bust — the six-figure income, the house with the pool and the investment property.

With millions of jobs lost and major industries on the ropes, America’s array of government aid — including unemployment insurance, food stamps and cash welfare — is being tested as never before. This series examines how the safety net is holding up under the worst economic crisis in decades.

“It’s the one thing I can count on every month — I know the children are going to have food.” says Bermudez who has two daughters and no cash income.

Now, as she papers the county with résumés and girds herself for rejection, she is supporting two daughters on an income that inspires a double take: zero dollars in monthly cash and a few hundred dollars in food stamps. A link to the entire article is below.

This is terrible. I know as I was once in a similar situation but with three kids, no income…in the 1970s and I was living in Hong Kong.  There were no food stamps there then!   More on that in a moment.

First, let’s look at the importance of spurts in international investing.

International investments… property in Ecuador… or other countries… multi currency stocks and bonds… all… can help fight inflation IF we do not get too caught up in spurts.

All markets rise…  and fall…in spurts.  This fact can kill investors.

The odd fact is that upwards spurts can do more damage than the drops.

This is why the New York Times article started me thinking…  The story is about “a six-figure income, the house with the pool… investment properties.”

“Where,” I thought “were the savings”?

Let me hasten to add… I think I know where the saving went because I made the same mistake (maybe even worse as you will see) which  leads to the point of what we are sharing here.  Be careful of spurts!

The key to all successful investing is the protection and increase of purchasing power.

International investments can help you achieve this, but attaining and keeping success can be trickier than it might seem.

Let’s hear (from the voice of experience) why the art of keeping wealth may be more elusive than just making a profit.

As mentioned all markets bubble up and dribble down in spurts.

The problem is that many, especially inexperienced (as in they have not yet been burned), investors who start investing when there is an upward spurt, take the instant profits they make seriously and spend them!

We can forget… or do not realize that there are down cycles too.

This means that we have not learned the most important part of how to survive cash spurts and sudden wealth.

I learned this lesson the hard way as a young executive, (just 25 years old). Back in the late 60s and early 70s.   I worked my heart out for four years, almost sacrificed my family and ended up divorced by trying to build a financial future.

I thought it was worth the stress. The stock market had been rising for decades. The bull market was all I knew, shares rising, IPOs were coming out every day-almost guaranteed success. The industry I worked in (overseas mutual funds) was in a hot sector and the company I worked went public.

My compensation was generous, a stock option for 50,000 shares at a dollar each. The shares were issued to the public at $20. At 25 I was already a millionaire and those were the days when you could buy more than a house for a million dollars! In fact a million then was worth about $12 to 15 million now.

However, I had not learned any lessons about locking in profit nor the downsides of markets.

I had never made more that $750 a month so this wealth was bewildering.

I bought everything I could, a new Mercedez 280 SL, a new house and I ran up some nice credit card bills.

But I bought all this on credit and kept my shares. Why would I sell?   They would just kept rising! Right.

Then the stock market collapsed. The sudden drop caused a run on the shares of the company I worked for and it, with many similar firms, collapsed. The entire industry tanked and the company went broke. I ended up unemployed, with no money… zero income and in debt.

My stock options weren’t worth the paper they were printed on.

The moral…when you invest to make money be careful. You may make it! If you do not respond correctly, the sudden wealth can make life worse rather than better.

Most wealthy people receive their income in spurts. We saw this process regularly during the internet craze.

Merri and I have been lucky.  Our business has been solid and steady for at least 30 years. Yet when I look back… at least half of our assets and savings came from just a handful of deals… where we picked exactly the right thing… at just the right time and then cashed in on a spurt.

Fortunately I had also learned that you not only buy… but you also sell.

This is part of the reasons why we are selling some of our US real estate now.  We purchased a lot of Ecuador real estate ten years ago… at really… incredible low prices.  Ecuador real estate has risen much higher and we are taking some profits to plow into really cheap US real estate.  This is a never ending cycle.

That Hong Kong experience and the observation of thousands of investors over 40 years suggests that sudden financial success creates disaster as often as not.

We as investors all too often make one of three mistakes.

The first mistake is to believe that this is the only time there will be such an influx of cash. This tightens a person, so they can’t enjoy spending. They become afraid. Life becomes filled with paranoia. Unhappiness sets in. If money doesn’t make life better, what’s the use?

The second mistake is to think that these large chunks of cash will continue to come easily again and again without working. This thinking creates unrealistic lifestyles and work ethics that lead to disaster.

I first observed this ironic fact while living in England. A happy, financially responsible middle class family won millions in the lottery. Just a few short years after reaping this spurt of cash through supposed good luck, the husband and wife were bankrupt, divorced and no longer speaking to their kids.

I have seen example after example, of people, who received a sudden chunk of income made very unhappy by this large inflow of wealth. This is why it is a risky time when investors make a big sudden profit. The proud owner of new found wealth, buys new cars, houses and becomes very spendy. They create overhead and debt. If there is a single reversal, they are wiped out.

The third mistake is to pyramid the success especially with debt. You can ask many US real estate investors about that as they continue to try and work their way out of negative equity housing.  This builds on a weak foundation and when the spurt turns creates a faster and often horrendous collapse.

Now the stock market has had a spurt and performed incredibly well over the past year. We cannot depend on this trend to continue.

How much is a big hit anyway? How much is enough to throw a person off track?

One measure is a ten times increase in wealth.

This normally is enough to make a significant difference in a person’s life. For someone with a thousand dollars in the bank, $10,000 seems like a lot. The extra money can make a difference. For someone who already has a million dollars, another million doesn’t make such a significant shift. Ten million does.

The reason spurts create problems is because they disrupt our discipline.

Money is discipline and our financial affairs have some form of economic routine, either self imposed or not.

We have a set of mental standards that makes us think, “I can afford this, but can’t have that”, etc. Spurts of wealth demolish these standards. Suddenly we can have many things we previously could not. We become, once again, kids in the proverbial candy shop.

Yet much of the Western world spends their lives trying to become and stay independently rich. If succeeding in this process can ruin happiness, what can we do?

First, realize that quantum wealth… which is independent, permanent never-ending, fearless wealth, is a process, (not a state) of a continual series of reasonable risks, mistakes, refinements, lessons and actions that culminate in getting it right. When success arrives, there is a huge income (or capital) spurt.

Understand that this is not just one time when you can make a huge wad of cash.

Impose discipline.

Here is a simple formula for dealing with spurts if you cannot create your own.

First, immediately spending ten percent of the new money on your dreams.

Buy, the Porsche.

Take the world cruise.

Build the new eight bedroom house. Do whatever you want that does not cost more than ten percent.

Second, give ten percent to a worthy charity.

Take a little time, find a need in this world you feel really should be filled and truly give the ten percent away.

Third, invest the remaining eighty percent very conservatively. Use the PIEC system.  Hire a good, conservative investment manager such as Jyske Bank.

Finally be grateful every day, not for the lump of cash, but for all the important things in life.

Thomas Fischer and I have been especially concerned about spurts since the stock market has risen so handily in 2009.

When these types of results are obtained, inexperienced investors (and even many pros) begin to ignore the risks.

Having been involved with currency investments for so many years, Thomas and I never forget the downside!

This is why JGAM’s speculative portfolios this year have reduced borrowing.

Dollar Dilemma

There are several reasons to be especially concerned about the US dollar.

There is every reason to believe that the US dollar will fall.  I certainly am shorting the greenback myself.

First, the world has become addicted to US spending. Americans consumers are spoiled. They continue to remain wealthy.  First there was the stock market bubble, followed by the US real estate bubble. These artificial wealth creators we spawned by a flood of liquidity that allowed people to borrow more and more.

When the correction came… the government bailed everyone pout and create a monumental debt… an almost guaranteed reason for the buck to fall.

Yet everyone wants the strong dollar to continue. The Asians want it to continue fueling their export sectors and to maintain the value of their investments in US dollar bonds.

Oil sellers want it to prop up their investments in the US . Europeans want a strong dollar to keep their exports competitive as well.

Next there are no strong alternative reserve currencies. Other western nations and Japan are riddled with debt as well.

Plus, and this is perhaps the most difficult factor to discern, other government have created massive debt as well.  So the dollar is less likely to fall versus other currencies.

There is one more problem about profits made by just holding non dollar assets.

Profits created by a falling US dollar will almost certainly be reduced by rising costs of living. A falling USA dollar almost certainly will increase inflation in the US . So your profits may look great but won’t buy anywhere as much as expected.

The best you may do is keep up, unless you invest and manage your spending well.

This brings us to the final dilemma, the Fed which aims to keep inflation down. They are headed for that proverbial rock and the hard spot. If there is inflation, they need to raise interest rates. This will push US real estate prices down further and perhaps stall the economy again.

Yet a run on the greenback may force rates up anyway.

So beware…of yourself and currencies.  The dollar is most likely to continue its decline. I am betting it will myself but I know it is likely to do so in spurts. How you handle these spurts can make the difference between wealth and poverty!

Until next message, may all your spurts be good!

Gary

Join me, Thomas Fischer, Joe Cox – my tax and asset protection attorney and four other speaker at our February International Investing and business seminar in Mt. Dora Florida Feb. 11-14 2010.

Join us at a seminar or tour to share ways to invest, do business and live that protect as they provide joy, satisfaction, better health and enhanced wealth.

Join us in February or March.Feb. 11-14   Quantum Wealth Florida -International Investing & Internet Business, Mt. Dora, Fl.

February 15-16 Travel to Quito and tour Quito

February 17     Travel Quito to Manta

February 18-19  Manta & Mid Coast Real Estate Tour

February 20 Travel Manta to Cotacachi

February 21-22 North Andes, Imbabura & Cotacachi Real Estate Tour

February 23-24  Quito & Mindo Real Estate Tour

February 25 Travel Quito Cuenca

February 26-27  Cuenca Real Estate Tour

March 2010

March 11-14     Super Thinking + Spanish Course, Mt. Dora, Fl.

March 15    Travel to Quito

March 16 Travel Quito Cotacachi

March 17-18  North Andes, Imbabura & Cotacachi Real Estate Tour

March 19-20    Cotacachi Shamanic Tour

March 21  Travel Cotacachi to Manta

March 22-23   Manta & Mid Coast Real Estate Tour

March 24 Travel Manta to Cuenca

March 25-26 Cuenca Real Estate Tour

March 27  Travel Cuenca to Salinas

Mar. 28-29   Salinas & South Coast Real Estate Tour

There is one week left to gain the largest savings on our Ecuador tours.

The Ecuador airfare war makes it cheaper to get to Ecuador than ever before… and there is still time to enjoy great Ecuador tour savings.

You enjoy discounts by attending multiple seminars and tours. Here are our multi tour adventure discounts.

Two Pack… 2 seminar courses & tours $998 Couple  $1,349 Save $149 on couple

Three Pack… 3 seminar courses & tours   $1399 Couple  $1,899 Save $98 single or $348 on a couple or more

Four Pack… 4 seminar courses & tours   $1,699 Couple $2,299 Save $98 single or $697 on a couple or more

Five Pack… 5 seminar courses & tours  $1,999 Couple $2,699 Save $496 single or $1,046 on a couple or more

Six Pack… 6 seminars courses & tours  $2,199 Couple $3,099 Save $795 single or $1,395 on a couple or more

Even Better.  Greater Savings. Our 2010 International Club membership allows you and a guest to attend as many of the 51 courses and tours we’ll sponsor and conduct in 2010  (fees would be $40,947 for all these courses individually) is only $2,999.

The International club fee rises to $3,500 January 25 2010. Enroll in the International Club now at the original fee of $2,999. Save $501 extra before January 25, 2010.

Because holiday expenses often tighten the winter cash flow, you can enroll with three monthly payments… $1,025 in January… $1,025 in February and $1,025 in March 2010.

If you join the International Club, the entrance fee for 2010 is $2,999 (until January 2010).  Your attendance fees at all courses will be waived. You and a guest of you choice can attend courses worth $40,947.You can calculate the savings as our schedule of all 2010 courses here.
International Club 2010 Membership $2,999 Enroll here

Read the entire New York Times article “The Safety Net – Living on Nothing but Food Stamps”

Ecuador Beach Condo Surprise


Here is an Ecuador beach condo development where a number of single women expats call home.

One of the best ways to beat inflation is to live in low costs areas like the coast around Bahia Ecuador.

Here’s an update on this area beginning south of Bahia starting at San Clemente.

Ecuador Beach-Apartment

Beach at San Clemente.

The map below shows why San Clemente (marked with A), which is just a bit south of Bahia, was the first place on the coast where I bought Ecuador beach real estate.

ecuador map

San Clemente is a small village almost equidistant to the two airport access points on Ecuador’s coast, Manta and Bahia, plus it is on the coastal highway just before it veers inland behind a strip of low lying hills.

Bahia Hotel

These hills run along the coast from San Clemente to Bahia and further north separating the highway from the beach, discouraging over development and encouraging quiet hidden beach opportunities.

In addition San Clemente is almost equidistant to Quito and Guayaquil, the two largest population centers, and is accessed by major roads also shown on this map.  This creates holiday opportunity for the big city folk.

San Clemente is itself a tiny… dusty village so the attraction here is peace and quiet.  This is what Merri and I love.

However, those who want to live in a lively town will do better living just a bit further north in or closer to Bahia.

san-clemente-manabi

Our Ecuador beach penthouse is at Vistazul. This community is nicely protected by those hills.

visatzul

Vistazul is right on the beach and protected by these low lying Manabi hills behind.

Here is the view from our penthouse so you can see…

coastal view

why we love it there.

Now Vistazul is about to get even better.

The developer of this project, Kjetil Haugan, recently sent me this note.

Gary,   This email is to inform you that we will close the hotel from next week on and until late June for renovation.   We will change the location of the kitchen, increase the capacity of the restaurant, redo the swimming pool (partly infinity pool), put A/C in all rooms, put in new beds and mosquito nets, fix all the sliding doors/windows, put in concrete walls around the hotel, fix the gardens, make more family suites, paint the hotel and change and redo everything from the dining tables, to the outdoor furniture.  Most of this will be done during these 6 to 7 weeks but the rooms will be done throughout the year.

We will also start to sell club memberships to local people with a point system plus offer this to the ex pats living in Cuenca.

We are adding new administrators at the hotel; Edwin and his Canadian wife, Cris. They used to run our yacht operation in the Galapagos. She will also help out at Vistazul being the contact person for the residents and helping out with decoration, purchase of furniture and rental management.

So hopefully you will have time to come down to San Clemente later this year to discover the new Palmazul!

Vistazul is also doing well right now. The electricity work, water plant and gardening should all be ready by the end of May. Then I will help the residents start to form the HOA. I have also contracted all the doors/windows so the remaining units will be completed within 4 to 6 months depending on the workers.

I had a lot of interest in the one level units and we continue to offer finance. Regards, Kjetil

ecuador-beach-condos

See more details on these condos here

For answers to specific questions contact, Kjetil Haugan, at kjetil@haugancruises.com

This is an exciting evolution for the small community and remains a great bargain… the $79,000 price includes club membership which includes use of all the improved facilities.

Back in 2007, my friend, Kjetil Haugan, sent me a note that he was building this hotel and would have his the new year celebration there.

When I saw the construction pictures… I wondered.  A lot of work seemed undone.

This was the hotel in November 2007.

ecuador-beach-condos

and the pool at the hotel.

ecuador-beach-condos

Yet Kjetil did have the hotel open for the 2008 New Year celebration.

When we visited in early January 2008,  the hotel looked like this.

ecuador-beach-condos

Kjetil then told me that the hotel was also designed as the clubhouse for 60 + condos he would build on this land behind the hotel.

ecuador-beach-condos

I knew the land..  I knew Kjetil.  I was impressed and bought the first five condos myself.  Kjetil said that he would have the first units finished by the end of the year.

True to his word, Kjetil kept to his timing and despite the recession of 2008 has completed and sold out this development.

Ecuador beach real estate is still inexpensive but prices have been rising. Those condos began at $79,000 but prices have risen over the last year to:

I personally have a unit here  in the Vistazul complex so this is my front yard.

international-club-coast-view

Here are the first condos which originally went on sale at $79,000.

Ecuador-beach-condos

They are 1,200 square feet, two and a half bathroom, two bedroom units, on two floors and a roof terrace.

Ecuador-beach-condos

Here is a group of our delegates inspecting the roof terrace.

Ecuador-beach-condos

Here is the sunset view from the beach in front of these units.

ecaudor-sunset

They are one minute’s amble to the club house restaurant, where you can dine.

ecuador-coastal-tour-beach-dining

The seafood comes fresh from these fishermen who leave from the beach in front of the clubhouse each day.

ecuador-coastal-tour-fishermen

Kjetil Haugan, a Norwegian who moved to Ecuador after being the administrator of Atlanta’s Olympic Village, became a prominent businessman, owning the largest Spanish school in the country along with several Galapagos cruise ships.

Kjetil and his wife Jessica built Palmazul Hotel which is also the clubhouse for these condos.

The owners of the condos  enjoy Palmazul as their community center…all the hotel facilities are available to home owners.  This provides living on the beach with tennis court, pool, beach, fine dining, exercise room and all.

ecuador-coastal-tour-tennis

Here is a shot taken from one of the Vistazul condo rooftops.

ecuador-coastal-tour-terrace

Until next message, good Ecuador living!

I always recommend that you look and then rent before you buy.

Gary

Ecuador Beach Real Estate Pictures


Ecuador beach real estate still offers great sun and sea values. Here are several delegates on one of our Ecuador beach tours looking at beach view lots for $12,500

See pictures of property we view on our tours.

Ecuador-property-tour

How is this for an Ecuador “on – the – beach” front yard?

international-club-coast-view

Would you like this type of sunset view on Ecuador ’s coast from your front room?

ecaudor-sunset

Would a one minute amble, if this were your local Ecuador beach property restaurant, do good for your heart…and soul?

ecuador-coastal-tour-beach-dining

What if the food came fresh from these fishermen who set out to sea?

ecuador-coastal-tour-fishermen

to bring back seafood like these shrimp so large that two make a meal…for just a dollar?

ecuador-coastal-tour-seafood

Is this close enough to the beach? Remember that tides and high waves diminish as they grow closer to the equator and this beach is on the equator…in Ecuador . There are no hurricanes on the equator and much less worry about coastal erosion.

If you answered yes to any of the questions above, you’ll want to attend one of our 2009 Ecuador Coastal real estate tours. All of these pictures were taken from Palmazul Spa in San Clemente, the central departure point of our Ecuador Coastal Property Tours.

Merri and I have scoured Ecuador for 13 years and have driven its coast, top to bottom, again and again. We have taken thousands of people on real estate tours here. We finally settled in the high Andes …but have not forgotten the beautiful Pacific. We have a house in the mountains and our apartment here in the sea.

Our apartment is top floor, left side, here at Palmazul Spa.

ecuador-real-estate-tour

The Spa is also the clubhouse for the Vistazul condos. Merri and I purchased some of these condos as well.  Immense value in my opinion. Here is a picture taken from Palmazul Spa at one of our real estate tours. Delegates are visiting the first Vistazul condos as they were being finished.

ecuador-coastal-tour-condos

These are 1,200 square feet, two bedroom, two bathroom condos selling at $84,000 including clubhouse membership for tour delegates.

ecuador-coastal-tour-condos

Here is one of our groups taking a closer look. These are just one of many properties we’ll view on our tours.

We’ll see some more of the Ecuador beach real estate our previous tours have seen in a moment.

The builder, Kjetil Haugan is a Norwegian who moved to Ecuador after being the administrator of Atlanta’s Olympic Village. He has become a prominent businessman, owning the largest Spanish school in the country along with several Galapagos cruise ships.

Kjetil and Jessica have taken good care of our groups many times and we have always been pleased.

The owners of the houses here will enjoy the spa as their community center…all the spa facilities will be available to home owners. Nice…living in a spa on a beach, Palmazul. Tennis court, pool, beach, fine dining, exercise room and all.

ecuador-coastal-tour-tennis

Here is a shot taken from one of the Vistazul condo rooftops.

ecuador-coastal-tour-terrace

and a picture taken from the top of the condos at sunset. Imagine this view!

ecuador-coastal-tour-rooftop-views

We look at all types of property for sale in this area.

We cram in as many properties as we can without neglecting time for fun. Many of us hit the surf in front of Palmazul each morn. Here I am. Come on in. The water is warm!

ecuador-coastal-tour-surf

We also take walks on the empty San Clemente beach.

Ecuador-coastal-tour-beach tags

or a dip in the pool.

ecuador-coastal-tour-pool

What specific properties will we see? I do not know. We research the tour just before we start, inspecting land and buildings that are for sale at that moment so we can maximize the efficiency of your trip. Our goal will be to find a cross section of property…land like this lot we saw on a previous tour.

In the end you enjoy are three days of travel with like minded souls led by experienced travelers and real estate buyers (Merri, me and/or trained staff), who know the area…who can provide you with all the important reliable contacts you need…attorneys…property inspectors…architects and brokers who can work with you…in English.

I cannot guarantee you will find a property you will love. Even if you do, I’ll probably try to talk you out of rushing in. What I can guarantee is a savings of time…trouble and many miles and many properties to see on wonderful surf and sand.

The tour fee includes the course, all bus travel, plus pickup and return to Quito airport if required.

The fee does not cover internal travel or round trip air fare from Quito to Manta, accommodations or food. Quito Manta round trip fares are $98 at time of this writing. Palmazul is $90 per night (plus 22% service and tax) including a full breakfast and dinner). A typical lunch is $5.

ecuador-real-estate-tour

Join us and our hound Ma on the beach…

Jan 24-27 $499 Reserve here $749 For two

March 16-19 $499 Reserve here $749 For two

See dates for all our 2009 Ecuador Real Estate Tours here.

Ecuador Beach Condo Savings


Ecuador beach condos in San Clemente offer special value now for seven reasons shown below.

Bahia, is in my opinion, one of the nicest towns on Ecuador coast. Pacific Coastal condos in San Clemente, only thirty minutes, away offer some of the best value that Merri and I have found.

These San Clemente coastal condos are called Vistazul and they offer an even more special opportunity now. Here are delegates on our last Ecuador coastal real estate tour going over to look at the Vistazul model which is 75% complete.

Vistazul-Ecuador-beach-condos

Merri and I are back from a quick trip south…to Cotacachi and to visit our Ecuador coastal condos in San Clemente. These Ecuador coastal condos are special, value wise, for seven reasons.

First, over ten years ago, Merri and I drove almost the entire length of Ecuador’s coast with our Norwegian friend, Kjetil Haugan. This trip included a visit to San Clemente which is a tiny fishing village on the Ecuadorian Pacific.

We saw that San Clemente Ecuador offered special value for Ecuadorian beach real estate. This was one of Ecuador’s best beaches, but just 45 minutes north of Manta and only a half hour to Bahia Ecuador.

Here is the San Clemente beach.

Ecuador-Coastal-Beach

Kjetil bought 12 acres of land on this beach in San Clemente…then…ten years ago. This is the first reason why the Vistazul Ecuador Coastal condos offer special value now. A recent message outlined how we conducted real estate tours and urged readers to buy Ecuador beach property around Manta over ten years ago because land on Ecuador’s coast now is still a terrific value. Yet especially around Manta, land has appreciated as much as 800% in the last decade. Many of our readers and real estate tour delegates of a decade ago purchased ocean view house lots at $2,500. These same lots as resales are now selling at $17,500.

Kjetil can offer really great Ecuador beach condo prices because he bought the land at rock bottom prices years ago.

Many Ecuador coastal properties are popping up now but most developers are buying land to develop…at current, much higher prices.

San Clemente is catching on. Already we are told that one of our readers purchased a large beach front property (to develop I assume) just a few hundred yards from the Vistazul project. This reader cannot compete with Vistazul price wise because the current price paid for the land is so much higher.

The second reason there is special value there is that Kjetil has more than a decade of business and Ecuadorian experience. His wife’s family have long been involved in construction. His father in law is an engineer who has great experience at building on the coast.

Here is Jessica Haugan, Kejtil’s wife, who operates the Palmazul Spa welcoming our delegates to inspect the model.

Vistazul-Ecuador-beach-inspection

Here is Kjetil and his father-in-law, Julio, showing delegates the roof garden on unit #207 (the lowest view and price).

Vistazul-Ecuador-beach-condos-builders

Third, the Vistazul beach condos offer special value because Merri and I do not charge commissions. We do not make a penny when people buy Ecuador real estate.

Our readers have purchased many millions of dollars of Ecuador real estate in Galapagos, Mindo, Cotacachi, Quito, Vilcabamba, Cuenca, on the Pacific Coast, and elsewhere around Ecuador. Merri and I may have helped more gringos buy Ecuador real estate than anyone else. Yet we are not real estate brokers and do not take commissions for this.

The fact that Merri and I liked, felt confident in and invested ourselves in Vistazul, means that Kjetil has been able to sell two thirds of these coastal condos without paying a penny of the normal sales commission. This has saved him as much as $500,000. This does not mean Kjetil has pocketed this extra cash. I asked (and he agreed) to pass this savings onto buyers of Vistazul who are Ecuador Living subscribers.

Here is the Palmazul Spa and the clubhouse for Vistazul. This is where our coastal real estate delegates stay.

Vistazul-Ecuador-beach-condo-clubhouse

Fourth, Kjetil built the beach condo club house first…last year…when cement and concrete prices were about half they are now. Plus he made a very intelligent decision to run the clubhouse as a hotel…Palmazul.

Three buildings with 19 units are under construction. We were pleased last week to view th progress.

Here they are. You can see each level of construction. The 63 units are set out on the 12 acres so no building blocks the view of another.

Vistazul-Ecuador-beach-condo-totals

Fifth, we center our Ecuador coastal real estate tours around the Palmazul club house which means we send hundreds of guests there. This provides substantial income so condo owners do not have to bear as large an expense to maintain the club house.

Front door of a Vistazul unit.

Vistazul-Ecuador-beach-condos-frontdoor

Sixth, Because Merri and I understood the project, we were willing to invest up front. Our many years of work with Kjetil have created a bond of trust. Because of this Merri and I, plus one of our friends and two of our daughters bought the first twelve units. In other words, nearly 20% of the Vistazul project was sold before Kjetil even began to break ground.

Here is a Vistazul ground floor interior…looking back.

Vistazul-Ecuador-beach-condos-interior

And front with our friend from Telluride, Bob Humphrey.

Vistazul-Ecuador-beach-condo-inside

Seventh, Kjetil also has one of the largest Spanish schools and travel agencies in Ecuador. This provides marketing clout and gives Kjetil the ability to help bring condo renters to San Clemente.

Staircase.

Vistazul-Ecuador-beach-condos-stairs

In summary Vistazul has many excellent value features:

* Low land costs.

* Infrastructure competed before inflation.

* Two thirds of the units sold.

* Construction experience.

* Low cost marketing for sales and renter.

* Perfect on the beach location.

* Master Bedroom looks over the sea.

Vistazul-Ecuador-beach-condos-masterbedroom

This is why I have been encouraging readers to look at Vistazul. There are 63 units to be built. 42 of these Ecuador condos have sold since I first wrote about these condos just nine months ago. Now Kjetil is also offering ten year mortgages at 8.5%,. I expect the remaining 21 units to sell quickly.

Ecuador coastal delegates inspect roof garden and lowest view.

Vistazul-Ecuador-beach-condos-Front

Due to inflation, Kjetil has raised his prices, but due to our original agreement with him he has still been offering a discount to our Ecuador Living subscribers.

That offer expired after our last Ecuador Coastal real estate tour but I asked him to continue the special until October 1, 2008.

This is significant because I always advise readers to never buy Ecuador real estate sight unseen. Kjetil, in his agreement with us, allows those who make a deposit 60 days to come down and visit the condos on the beach. This means that those who make a deposit before October 1 can hold their unit until our November 12 – 15 Coastal tour when they can inspect the property.

Here are the remarkable values on these Ecuador beach condos.

There are three levels of condo.

All units are identical…except for a few options available in tile, cabinets, doors, counter tops etc. Price differences relate to view. The higher on the hill, the higher the price.

Coastal tour delegates on roof garden of lower unit.

Vistazul-Ecuador-beach-condos-top-floor

For details on the units below contact Thor Anderson at thor@sanclementeecuador.com

Lower level units available are #: 104 – 205 – 207 – 302 – 305 – 503 – 506.

Price is $89,000 or $22,250 down and $828 a month.

Ecuador Living subscriber price available until October 1, 2008 is $79,000 or
$19,750 down and $735 a month.

Medium level view.

Vistazul-Ecuador-beach-condos-panorama

Medium level units available are #: 602 – 603 – 604 – 605 – 801 – 805 – 806.

Price is $115,000 or $28,750 down and $1,068 a month.

Ecuador Living subscriber price available until October 1, 2008 $99,000 or $24,750 down and $921 a month.

Upper level view at sunset.

Bahia-Ecuador-coastal-condo-views

Upper level units available are #: 901- 902 – 904 – 1101 – 1102.

Price is $139,00 or $34,750 down and $1,293 a month.

Ecuador Living subscriber price available until October 1, 2008 $125,000 or $31,250 down and $1,163 a month.

To obtain the discount you must be an Ecuador Living subscriber.

For details on the units below contact Thor Anderson at thor@sanclementeecuador.com

Vistazul kitchens have marble cabinet tops. The cabinets are not yet installed in this shot and there are breakfast bar height options.

Vistazul-Ecuador-beach-condos-breakfast bar

For details on the units below contact Thor Anderson at thor@sanclementeecuador.com

Until next message, may all your values be good.

Gary

Join us in November to inspect Ecuador property for sale.

Vistazul-Ecuador-beach-condos-model

Our September 17-20 Ecuador Coastal Real Estate Tour; Quito Real Estate Tour was sold out as was our September 28-29 Imbabura Real Estate Tour was sold out.

Our Oct 14-18 Ecuador Import Export Course only has a couple of spaces open.
https://www.garyascott.com/catalog/ecuador-import-and-export-tour

We still have space in November.

Join us in Cotacachi at El Meson de las Flores.

cotacachi-daybreak

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

See these condos at $46,000 in Cotacachi.

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

Dine with delegates at the Vistazul clubhouse.

Ecuador-fishng-view-4

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