Tag Archive | "Business_Finance"

Ecuador Stock Market


See below why I am not buying into the Ecuador stock market… or any stock market at all.

First, let me be clear… there is not much of an Ecuador  stock market… never has been and probably won’t be for quite a while.

Merri and I do own a few Ecuador shares… in Cemento, an Ecuador cement company,  but these were purchased years ago when Ecuador had a stock market beginning to boom. Then the economy and sucre collapsed and all the Ecuador banking shares (including the ones we held) rushed to zero.

The Ecuador cement shares were all that was left… along with a lesson learned.

Yet there are two other reasons why you’ll not see many Ecuador equities in my portfolio.

In fact, you won’t see many stocks in our portfolio at all.  A review of my recent total asset allocation shows that I hold only 3% in equities.

An excerpt from our recent Multi Currency Update shows that I do not hold many shares at all and why I am not buying more now.

Last week my account adviser at Jyske Global Asset Management sent me this note.

Gary, The USD on the move!  The main focus this week has been on the FX market. We have had a long period of a declining US Dollar against most other currencies. The market participants have been waiting for an excuse to take profits. The market got its excuse last week, where we for the first time saw better than expected US unemployment figures. The non-farm payrolls where better than expected and the unemployment rate dropped to 10%. When the numbers hit the market the EUR/USD was trading above 1.5000 and during this week the USD strengthened approximately 5%, currently trading at 1.4350.

The correction of the EUR/USD also indicates that the psychology in the market could have changed. During 2009 improving economic figures led to a risk-on scenario where investors began  to diversify in to  more speculative markets and at the same time exiting the USD safe-haven. The change in psychology has resulted in a focus on possibly increasing interest rates as the economies worldwide begin to improve. The US economy shows signs of improvement and investors are thus beginning to focus on being long USD assets.

The FED however announced no change in the FED funds after their meeting on Wednesday. Bernanke told the market on the following press conference that the interest rate would remain unchanged until the economy is back on track and we see a significant drop in the unemployment rate. We therefore believe that the current strength in USD is temporary and we do expect the EUR/USD to turn around and once again go toward our target of 1.5500.

The main focus in Europe during the week has been on the down grading of the sovereign debt of Greece to BBB+, by both FITCH and S&P. Both rating agencies, still have Greece on a negative watch. The 10 year government bond of Greece now pays a historical 250 bps more than a 10 year German government bond.

Norway once again increased their interest rate with 25 bps, from 1.5% to 1.75%. Norway has seen an increase in the private consumption and a hot real estate market. The Central bank of Norway thus chose to increase the interest rate, even though the industrial production in Norway still suffers.

That note from my adviser cemented my thinking that the greenback’s upswing creates a good time to further reduce US dollar positions. I am reducing my euro positions as well.

The global economy continues to upswing and eventually interest rates will be heading up…. bit equities are at risk due to the chances of another economic slowdown and massive government economic stimulation that has supported high risk speculation.

So last week I added more emerging currencies with higher interest rates by liquidating my Jyske Invest Danish Bond Fund and Jyske Invest Euro Bond Fund.

I used the proceeds to purchase higher interest rate bonds away from the euro and mostly into the dollar zone but not the US dollar itself.

I purchased:

NOK 4% Rabo Bank 29.05.2013 (AAA)     101,25   3,60% p.a.
CAD 4,95% KFW October 2014  (AAA)      109,60  2,80% p.a.
EUR 7,25% Bombardier 15.11.2016 (BB+) 102,25  6,70% p.a.
AUD 6,00% EIB 14.08.2013 (AAA)            101,60   5,50% p.a.
NZD 6,50% EIB 10.09.2014 (AAA)            104,50   5,39% p.a
MXN 8% Bonos 19.12.2013 (A+)               103,60   6,97% p.a.
BRL 11,25% EIB 14.02.2013 (AAA)           104,75   9,41% p.a.

I also sold my Hungarian government bonds and bought the Polish bond below with the proceeds.

PLN 6,50% EIB 12.08.2014   (AAA)            107,00   4,77% p.a.

I see any period of US dollar strength as an opportunity to exit the greenback and accumulate other currencies.

Learn how to get my regular portfolio updates.

The personal reasons why I do not invest much in shares is based on three cornerstones in Merri’s and my lifestyle and investing philosophy.

Cornerstone #1:   Know Thyself.

Cornerstone #2: Be True to Thyself.

Cornerstone #3: Turn Your Passion into Profit.

Merri and I love our business. We earn more than enough from it and…  we gain enormous fulfillment from serving others.

Plus we love buying and fixing up real estate. If you have been sharing this site from long you have read our escapades buying real estate in North Carolina, Ecuador and now again in Florida.

We love fixing up real estate in Ecuador and…

Ecuador-house-for-sale

on our North Carolina farm…

golden-mean

and…

ecuador-future

at the lakefront in Florida.

On the dark side, we hate accounting. We cannot read balance sheets… nor do we trust them much… so we tend to avoid equities… which historically overall are the best investments of all…. if… you ignore the three cornerstones.

We only have two shares… Bank of Florida and Jyske Bank…. because we know (and like) the people and the concepts involved.  Plus we understand the financial business.  Otherwise the most we do in shares… even though we have helped others make many millions in the stock market… is buy ETFS or mutual funds.

When we invest in shares there are three factors we continually look for…

Investing Factor #1: Contrasts.

Investing Factor #2: Trends.

Investing Factor #3: Value.

We are always looking for contrasts in value that will eventually create trends.

This is why we began buying real estate in Florida and are not investing in many equities now.  A recent New York Times article “New Slip in Housing Prices Undercuts Fragile Optimism” by David Streitfeld explains why.  Here is an excerpt:

Just as the economy is finally beginning to strengthen, the real estate market is showing new signs of deterioration.  Prices slipped in many cities in October, new figures show, despite low mortgage rates and a generous tax credit meant to spur sales. Now rates are starting to rise, making it harder for many buyers to afford a house, and the tax credit seems to be losing its capacity to lure them into the market.

The renewed worries about housing come against a backdrop of improvement in the broader economy.  Surveys suggest consumers are growing more confident. That better mood probably helped improve holiday retail sales. The number of people joining the ranks of the jobless is dwindling, while the hiring of temporary workers is up, a traditional harbinger of recovery.

Still, economic growth for the third quarter was more modest than originally reported; it was revised down to an annual rate of 2.2 percent from 2.8 percent. Many economists are fretting that housing could drag down the tenuous recovery.

The figures released Tuesday showed that the Standard & Poor’s/Case-Shiller home price index, a widely watched measure of housing markets in 20 metropolitan areas, rose 0.4 percent in October from the previous month on a seasonally adjusted basis.
It was the fifth consecutive month that prices were up, but the rate of increase has dropped sharply from the impressive gains of the summer. Prices in nine of the 20 cities were flat or down.

“I’m worried. Everyone’s worried,” said Karl E. Case, the Wellesley College economist who helped design the housing index that provided fresh cause for alarm on Tuesday. “If prices sink 15 percent from here, which is a possibility, and the 2008 and 2009 loans go bad, then we’re back where we were before — in a nightmare.”

One might think why invest in real estate… not stocks… when real estate seems down.

Due to the last economic downturn… many governments… led by the US… spent trillions flooding the market with easy money… for big banks.

These big banks in turn borrowed the money and poured that money into stock markets.  This made the banks look profitable and pushed stock markets up… at the expense of currencies around the world.

Government spending rarely works efficiently as evidenced by the multi billions spent of security that missed a Nigerian, whose father’s warning to the US Embassy validated a risk… that the CIA had already picked up… even though he was on a risk list… and after buying a ticket for cash…. and arriving without luggage… he was allowed to walk onto a plane headed for the US with a bomb in his underwear.

This post 9-11 security may not have been such a great government investment.

Just imagine that the economic spending from the governments of the world have created the same situation… making the public feel better when  the reality is… the risk is the same… or actually worse… because of the government’s heavy handed involvement.

If the economy once again stalls…  the stock markets… many of which are thinly traded… will collapse like a house of cards. All that government money (actually your money and mine) will be gone.

Repayment of the loss will most likely be made via inflation.  Stock portfolios will be wiped out.

This concerns me.  Jyske Global Asset Managers are concerned as well.  Their low risk managed account for US investors has only 17.5% in equities and they are only in seven investments… of which five are major Blue Chips.

Electricite De France France’s electric company.

Siemens AG a global powerhouse in electronics and electrical engineering, operating in the industry, energy and healthcare sectors.

Bayer AG, a global enterprise with companies in almost every country.

G4S Plc the world’s leading international security solutions group, operating in over 100 nations.

Novartis AG Reg.  the largest producer of insulin.

Only a very small portion of the portfolio is in other equities, iShares II BRIC and Jyske Invest IT Equities.

If we see a double dip recession, then real estate will remain depressed perhaps for a bit.  However there is real utility in real estate and the very inflation that could ruin so many investors will benefit those who hold real estate (and can hold on) plus those who hold commodities and have their own business.

There is no doubt still some good individual shares but overall shares offered good value early last year… not now so investors should beware.

Gary

We hope you will join us for seminars and tours in 2010.

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

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

For International Investing and Business.

For Super Thinking + Spanish

For Ecuador Shamanic Tour

For Ecuador Export

For North Andes, Imbabura & Cotacachi

For Manta & Mid Coast

For Quito & Mindo

For Salinas & South Coast

For Cuenca

You gain discounts by attending multiple seminars and tours.

Here are our multi tour adventure discounts.

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

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

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

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

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

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

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

International Club 2010

Attend our 56 investment, business, Spanish, real estate and export, courses and tours in 2010 with one small enrollment fee.

International Club 2010 Membership Enroll here

Here are the 56 courses and tours you can attend free. Plus there is even one more savings you will see below.

Jan.   8-11     Ecuador Export Tour
Jan. 13-14     Imbabura Real Estate Tour
Jan. 15-18     Coastal Real Estate Tour
Jan. 19-20    Quito-Mindo Real Estate Tour
Jan. 21-23    Cuenca Real Estate Tour

Join us in February or March.

Feb. 11-14   Quantum Wealth Florida -International Investing & Internet Business, Mt. Dora, Fl.

Feb. 15-16   Travel to and visit Quito
Feb  17         Travel to Manta
Feb. 18-19   Coastal Real Estate Tour
Feb. 20        Travel to Cotacachi
Feb. 21-22   Imbabura Real Estate Tour
Feb. 23-24  Quito-Mindo Real Estate Tour
Feb. 26-27  Cuenca Real Estate Tour

Mar. 11-14     Super Thinking + Spanish Course, Mt. Dora, Fl.
Mar. 15-16    Travel to Quito and Andes
Mar. 17-18     Imbabura Real Estate Tour
Mar. 19-20    Cotacachi Shamanic tour
Mar. 22-23    Coastal Real Estate Tour
Mar. 25-26    Cuenca Real Estate Tour
Mar. 28-29   South Coast Real Estate Tour

Apr. 12-15   Ecuador Export Tour ($499 or couple $749)
Apr. 17-18   Imbabura Real Estate Tour ($499 or couple $749)
Apr. 20-21  Coastal Real Estate Tour ($499 or couple $749)
Apr. 23-24  Quito-Mindo Real Estate Tour ($499 or couple $749)
Apr. 26-27  Cuenca Real Estate Tour ($499 or couple $749)

May  13-14     Ecuador Shamanic Minga  ($499 or couple $749)
May  16-17    Imbabura Real Estate Tour  ($499 or couple $749)
May  19-20    Coastal Real Estate Tour ($499 or couple $749)
May  22-23    Quito-Mindo Real Estate Tour  ($499 or couple $749)
May  25-26    Cuenca Real Estate Tour  ($499 or couple $749)
May  28-29    South Coast real Estate Tour ($499 or couple $749)

June 24         Quantum Wealth North Carolina
June 25-27    International Investing and Business North Carolina  ( $749 or couple $999)
June 28-29   Travel to Ecuador and Andes
June 30-Jy 1 Imbabura Real Estate Tour  ($499 or couple $749)
July 3-4          Coastal Real Estate Tour   ($499 or couple $749)
July 6-7          Quito-Mindo Real Estate Tour    ($499 or couple $749)
July 9-10        Cuenca Real Estate Tour   ($499 or couple $749)

Sept.   3-6      Ecuador Export Tour  ($499 or couple $749)
Sept.   8-9      Imbabura Real Estate Tour  ($499 or couple $749)
Sept. 11-12     Coastal Real Estate Tour   ($499 or couple $749)
Sept. 14-15     Cuenca Real Estate Tour    ($499 or couple $749)
Sept. 17-18     Ecuador Shamanic Minga  ($499 or couple $749)
Sept 20-21      South Coast Real Estate tour ($499 or couple $749)

Oct.    7          Quantum Wealth North Carolina
Oct.   8-10     International Investing & Business North Carolina ($749 or couple $999)
Oct.   11-12    Travel to Quito and Andes
Oct.  13-14     Imbabura Real Estate Tour ($499 or couple $749)
Oct.  16-17     Coastal Real Estate Tour ($499 or couple $749)
Oct.  19-20    Quito-Mindo Real Estate Tour ($499 or couple $749)
Oct. 22-23     Cuenca Real Estate Tour ($499 or couple $749)

Nov.    4-7        Super Thinking + Spanish Course Florida ($749 or couple $999)
Nov.    8-9       Travel to Quito and Andes
Nov. 10-11       Imbabura Real Estate Tour ($499 or couple $749)
Nov. 13-14      Coastal Real Estate Tour ($499 or couple $749)
Nov. 16-17      Quito-Mindo Real Estate  ($499 or couple $749)
Nov. 19-20     Cuenca Real Estate Tour ($499 or couple $749)
Nov  22-23      South Coast Real Estate Tour (($499 or couple $749)

Dec.   3-5       Ecuador Shamanic Mingo  ($499 or couple $749)
Dec.   7-8       Imbabura Real Estate Tour ($499 or couple $749)
Dec.  10-11    Coastal Real Estate Tour ($499 or couple $749)
Dec. 13-14     Quito-Mindo Real Estate Tour ($499 or couple $749)
Dec. 16-17      Cuenca Real Estate Tour ($499 or couple $749)

If you join the International Club, the entrance fee for 2010 is $2,999 (until January 2010).  Your attendance fees at all courses will be waived. You and your guest can attend courses worth $40,947.

You can calculate the savings as our schedule of all 2010 courses is shown below.

Arrival dates are always one or two days earlier. Please double check with us before booking flights.

I invite you to be a member of the International Club which allows you and your guest of your choice to attend all of these courses which are valued at $40,947!

International Club 2010 Membership Enroll here

You may well wonder why I would make such an offer and ask why the cost is so low? Let me answer this question frankly and from the heart.

First, it helps us do a better job for you. We feel greatly enriched when we can really help our clients improve their lives. We have learned through years of experience the best way to do this is to meet with you regularly. We can best help you learn how to improve your health and wealth through continual expansion of knowledge.

Second, we gain enormous fulfillment from the many friendships we form through the years. Our friends have enriched our lives tremendously. Let me explain this in more detail.

As a member, you will be part of our international family that meets intensively over the next year to examine ways we can make our lives better. Our goal is beyond just having money. Our goal is to have quantum wealth… good health… wealth and fulfillment through service.

Though I give all course delegates my very best, I cannot help but to do a better job for those who come again and again. As we meet often; your particular wants, needs and desires become clear, and it is easier for me to point you in the right direction.

Another phenomenon is that repeat delegates help each other! They get to know one another, help each other learn, share their insights, make contacts and gain more wealth.

Out associates in Ecuador, are experienced business people who live or work and conduct our real estate and export courses.  They can also act as your local backup for the business.

Lifestyle for Two. There is more! I have learned at my courses that many repeat delegates were couples.

We want couples! As a member of the program, you are entitled to bring another person to every single course or tour. The cost for that extra person will be ZERO!  You can bring whomever you wish. Bring your spouse, a friend, son or daughter, partner, accountant, adviser. You can bring the same person each time or a different person, whomever you choose to accompany you. (Accommodations and air fares relating to the courses are not included for members, delegates or their guests.)

Won’t you join us in this exciting club and share Merri’s and my lifestyle for the next year? We look forward to seeing you at as many courses as possible and sharing this wonderful world of abundance and well being with you!

Gary

International Club 2010 Membership  Enroll here

Read the entire article New Slip in Housing Prices Undercuts Fragile Optimism

Ecuador Real Estate Search


When you start your Ecuador real estate search, remember a thought that has been around for quite awhile…”Veni Vidi Vici.”

I came… I saw… I conquered.  The phrase is not “I conquered over the internet and then flew down”.

The biggest most important factor is first to come… The second is to look and see.   Then conquer.

Yesterday’s message shared a reader’s question at Ecuador B&B Search.

The reader also asked:  How much time would be needed to find a place and settle the purchase?  On average 9 days, or a few weeks?

Possibly in the first few years we`d be unable to visit for more than 5 weeks of the year.   Our biggest problem is for our employer to give us any time off from work .  It`s not possible to have any unpaid leave.  My husband thinks we need to go in 2 months because if we wait 12-14 months the prices may have escalated significantly .  What do you think?

Here is my reply.  I do not think this is a realistic plan. You should not be rushed to buy.  Better to take a year or two and use your vacations for trips. Look.  Get a feel of Ecuador and Ecuador’s real estate market… then rent or buy.

Merri and I spent six years, living, traveling and looking at Ecuador real estate before we made our first Ecuador real estate purchase. Good values are found by knowing the market… being available to buy and being able to make a good offer when a good deal comes through.

You’ll have a better chance of buying as a well informed buyer later than rushing to buy earlier when you are ill informed!

Merri and I recently bought an estate in Florida. This process took almost a year and we knew Florida really well to begin!  We had lived in Florida for more than 20 years and Merri over 30 years… yet  before we purchased we researched, traveled all over the state and look at hundreds of properties before making our first offer (which was turned down).

See more on how we buy real estate at Ecuador to Florida and at Value Investing Dairy to see the laborious process we used to find this house…

ecuador-value-real-estate

with this view and…

Ecuador-value-real-estate

this waterfront.

Ecuador-value-real-estate

at a good value… we hope.

See how this process helped us buy our Ecuador Hotel Meson de las Flores in a 30 second decision…

Meson’s colonial architecture charms and welcomes you.

Cotacachi hotel El Meson

based on seven years of research.

Here is Meson’s courtyard.

Cotacachi hotel El Meson

Our websites and daily messages can help you learn the rules about buying Ecuador real estate.  Visiting… seeing for your self and experiencing Ecuador helps you learn the exceptions to your rules.  So use the intelligent order that was given to us so many millenniums ago.   “Veni Vidi Vici.” come… see… conquer. This is the way.

Gary

Join us in Ecuador. We can help you see Ecuador real estate.

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

December 9-10 Imbabura Real Estate Tour

December 11-13 Ecuador Coastal Real Estate Tour

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

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

Jan. 13-14     Imbabura Real Estate Tour   $499 Couple $749
Jan. 21-22     Coastal Real Estate Tour $499 Couple $749
Jan. 23-24    Quito-Mindo Real Estate Tour  $499 Couple $749
Jan. 22-23    Cuenca Real Estate Tour  $499 Couple $749

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

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

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

Mar. 11-14     Super Thinking + Spanish Course, Mt. Dora, Florida $749 Couple $999

Mar. 15-16    Travel to Quito and Andes
Mar. 17-18     Imbabura Real Estate Tour   $499 Couple $749 or discounted fee for multiple tours below.
Mar. 19-20    Cotacachi Shamanic Tour      $499 Couple $749 or discounted fee for multiple tours below.
Mar. 22-23    Coastal Real Estate Tour        $499 Couple $749 or discounted fee for multiple tours below.
Mar. 25-26    Cuenca Real Estate Tour        $499 Couple $749 or discounted fee for multiple tours below.

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

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

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

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

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

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

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

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

See our entire 2010 seminar and tour schedule here

Gary Scott Courses & Tour Savings


Due to our absence for a week, we have extended our early bird multi tour pack special until December 10, 2009.

This absence meant that we were unable to answer many questions about these savings so if you plan to attend more than one of our courses and tours in 2010 (or this December) you can gain the greatest savings by enrolling before December 10.

After December 10, our multi course tour prices rise to their normal rate.

You always gain substantial savings with multi course and tour packs but if you enroll in November for any mutli tour pack in December 2009 or any in 2010… you save even more.  See the savings below.

Rate through Dec 10.   2 seminar courses & tour pack  $949 Couple  $1,399

Rate after Dec. 2 seminar courses & tour pack    $998 Couple  $1,499

Rate in Nov.  3 seminar courses & tour pack   $1199 Couple  $1,749

Rate after Nov.    3 seminar courses & tour pack   $1,399 Couple  $1,899

Rate in Nov. 4 seminar courses & tour pack   $1,399 Couple $2,149

Rate after Nov.    4 seminar courses & tour pack   $1,699 Couple  $2,299

Rate in Nov. 5 seminar courses & tour pack  $1,599 Couple $2,499

Rate after Nov.    5 seminar courses & tour pack  $1,999 Couple  $2,699

Gain these extra savings at the following winter courses and tours.

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

Join us at our upcoming courses and tours.

Enjoy extra savings with our special early bird fees (Due to our being unable to answer email for the past ten days, I have extended this offer until December 10.)

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

December 9-10 Imbabura Real Estate Tour

December 11-13 Ecuador Coastal Real Estate Tour

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

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

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

Join us in February or March.

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

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

Mar. 11-14     Super Thinking + Spanish Course, Mt. Dora, Florida $749 Couple $999

Mar. 15-16    Travel to Quito and Andes
Mar. 17-18     Imbabura Real Estate Tour   $499 Couple $749 or discounted fee for multiple tours below.
Mar. 19-20    Cotacachi Shamanic Tour      $499 Couple $749 or discounted fee for multiple tours below.
Mar. 22-23    Coastal Real Estate Tour        $499 Couple $749 or discounted fee for multiple tours below.
Mar. 25-26    Cuenca Real Estate Tour        $499 Couple $749 or discounted fee for multiple tours below.

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

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

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

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

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

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

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

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

See our entire 2010 seminar and tour schedule here

Ecuador Electricity & International Investments in Cycles


Most investors miss the importance of  cycles which are affecting international and national investments as well as Ecuador’s electricity.

See why value investing is a key to everlasting wealth and learn about Ecuador electricity blackouts below.

small-ecuador-hotels

Ecuador electricity makes Quito beautiful at night. Here is Quito as it begins to awaken.  This shot was taken at Hotel Quito.

Seeking good value is the most important goal when it comes to investing… understanding cycles helps anticipate value.

An excerpt from a recent Multi Currency Update explains why when  it says:

Take for example an article that appeared in the Nov. 1, issue of USA Today.

The headline was: Recent downturn sparks fears of possible market correction.  Drop comes despite good earnings, growth reports”

The reality is that we should expect stocks to slide with earnings growth!

The economic cycle has an impact on shares and the economic cycle is reaching the stage where we should expected equities appreciation to fall or at least slow.

This site suggested last February (2009) in Multi Currency Prediction 2009: “We are reaching the phase of the economic cycle when we should be coming out of cash and bonds and into  shares as:

* Interest rates are down.

* There is a rush for liquidity.

* Employment is growing.

* Uncertainty is high.

The chart below explains which assets are normally best in various phases of the economic cycle.

multi-currecny-predictions

Equities tend to rise when earnings have fallen or are falling.

Most investors misunderstand the fact that share pries almost always rise at a faster rate than earnings.

This means that shares tend to rise, after a crash even though an economy is faltering.

Once the economy recovers and businesses start to do better,  the big buying is over!  The big investors bought on the bad news (saw good value) and  take profits by selling to small investors who rush in on the good news (as good value falls).

Many statistics suggest that we are entering the period when reducing shares and becoming more liquid makes sense.

Interest rates and inflation are feeling upward pressure.  Bond yields have risen as have P/E ratios.  Unemployment is looking less severe.

Perhaps that USA Today article should have read: “Recent downturn sparks fears of possible market correction.  Drop comes AS EXPECTED along with  good earnings, growth reports”

You can read the full multicurrency update as a multi currency subscriber. See details here.

Value investing is most important whether buying shares or equities because predicting short term market moves is like predicting weather.

Speaking of weather… Ecuador electricity has recently been affected by the weather.  Droughts are part of  Ecuador’s weather cycles and these droughts affect Ecuador’s electricity.

Ecuador electricity at work in Cotacachi.

ecuador-electricity

Ecuador’s electricity blackouts (which have been light) are likely to persist until Ecuador’s drought subsides.

Saturday’s Ecuador Living Update entitled Ecuador Electricity Shortage suggested that we take the Ecuador government’s statement that “power blackouts would mainly affect homes and not business”  with a grain of salt.

Our friends in Salinas now confirm this fact and wrote:

“Hi Gary, You are right that not only Ecuador’s big cities experiencing electrical rationing.  Luckily in our area of Salinas we haven’t had a black out yet, but in nearby Ballenita, my inlaws were without electricity for the afternoon and evening yesterday.

“Not sure why the government would say businesses are not effected.  The evening news from Guayaquil last night showed a series of shots of all kinds of businesses that were without power yesterday, including restaurants, bakeries and doctors’ offices.

ecuador-electricity

Ecuador electricity at night from Vistazul condos

“What we are not hearing a lot of is publicity of tips for the average person on how to conserve energy.  There was a blurb on the news two nights ago reminding people to turn off the lights when they leave a room but that is about all.”   Learn more about Ecuador’s electricity blackouts here.

Gary

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

Join us in Ecuador

Join us at our upcoming courses and tours.

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

December 9-10 Imbabura Real Estate Tour

December 11-13 Ecuador Coastal Real Estate Tour

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

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

Jan. 13-14     Imbabura Real Estate Tour   $499  Couple $749
Jan. 21-22     Coastal Real Estate Tour $499  Couple $749
Jan. 23-24    Quito-Mindo Real Estate Tour   $499  Couple $749
Jan. 22-23    Cuenca Real Estate Tour  $499  Couple $749

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

Join us in February or March.

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

Feb. 15-16   Travel to and visit Quito
Feb  17         Travel to Manta
Feb. 18-19   Coastal Real Estate Tour   $499 Couple $999 or discounted fee for multiple tours below.
Feb. 20        Travel to Cotacachi
Feb. 21-22   Imbabura Real Estate Tour  $499 Couple $999 or discounted fee for multiple tours below.
Feb. 23-24  Quito-Mindo Real Estate Tour $499 Couple $999 or discounted fee for multiple tours below.
Feb. 26-27  Cuenca Real Estate Tour  $499 Couple $999 or discounted fee for multiple tours below.

Mar. 11-14     Super Thinking + Spanish Course, Mt. Dora, Florida ($749) Couple $999

Mar. 15-16    Travel to Quito and Andes
Mar. 17-18     Imbabura Real Estate Tour   $499 Couple $999 or discounted fee for multiple tours below.
Mar. 19-20    Cotacachi Shamanic Tour      $499 Couple $999 or discounted fee for multiple tours below.
Mar. 22-23    Coastal Real Estate Tour        $499 Couple $999 or discounted fee for multiple tours below.
Mar. 25-26    Cuenca Real Estate Tour        $499 Couple $999 or discounted fee for multiple tours below.

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

1 real estate tour  $499 Couple $749

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

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

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

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

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

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

See our entire 2010 seminar and tour schedule here

Ecuador Internet Business – Job Creation Opportuity


Here is a great Ecuador internet business idea that can create a job for you and others as well. Create “notchups”  an idea you could say was raised from the dead.

ecuador-business

Ecuador’s guild system creates an interesting “notchup” opportunity.

Here is why you can cash in with a “notchup” internet business.

Branding is a powerful marketing tool… sometimes good and other times… not.

For example Kellogg’s claim that their  ‘Cocoa Crispies’ cereal can boost a child’s immunity has to be in the all time “Disgusting Brands Hall of Fame.”

However good or bad… in marketing, branding works and one negative form of branding to my way of thinking is via prestige pricing.  Prestige pricing creates products that are so expensive that most consumers cannot afford them.  This is prestige or envy branding.  This type of branding really works.   To give you an example of how well envy branding works, when Forbes magazine released its annual list of top-earning dead celebrities for 2009, the biggest dead earner was fashion designer Yves Saint Laurent who raked in a staggering $350 million after his death last year.

Number two and three by the way were Rodgers and Hammerstein at $235 million and  Michael Jackson earning US$90 million after his death… all leaving the king in the dust. Elvis earned only $55 million.

I suspect that as soon as envy branding began… so to did notchoffs… a CHEAPER look alike product that looks like the expensive brand.

Ecuador-joys

Ecuador has many master weavers.

Yet there are some other bigger more important internal benefits of living in Ecuador or anywhere different around the world.

Ecuador-joys

Ecuador-joys

These Ecuador musical instrument makers are famous around the world.

The great Ecuador Internet Business Idea is to make BETTER look alike products that I call “notchups”.

Teach Ecuadorians how to make high end products and then sell their inventory over the internet, without inventory costs.

This is a nice way to fight back against prestige branding… better for less so the man in the street can afford the product.

Here is how this idea came about.   A Businessweek article by By Douglas MacMillan entitled “Psst! Private-Sale Shopping Sites Are Hot” started the idea.

You can link to the entire article at the end of this message but here is an excerpt from the article: Saddled with unsold merchandise amid the recession, makers of luxury goods are selling their wares through members-only shopping sites.

During last year’s bleak holiday shopping season, fashion designer Lauren Merkin greatly overestimated the number of handbags she’d sell in upscale retail stores such as Neiman Marcus and Bloomingdale’s.

She found a good way to sell them elsewhere without consigning them to a bargain-basement rack that might tarnish the brand in the eyes of would-be customers. All year, she’s been selling the excess goods for half-price on the members-only Web site Gilt Groupe, during 36-hour sales that are hidden from the view of the general public. “What we’re selling is first-rung, but if it sits around at a sale I think the consumer gets the wrong impressions about the product,” Merkin says.

Saddled with overstock from the retail recession, makers of luxury apparel, home furnishings, and other high-end goods are selling their wares at reduced prices through Gilt Groupe and other private shopping sites. Many of these companies help fuel pent-up demand by limiting membership, forcing would-be clients to park on a waiting list or be referred by existing members.

The private-sale model also makes sense for Gilt Groupe and other sites that act as middlemen, because they carry no inventory and earn a wide margin on sales. Combined revenue at Gilt Groupe, Rue La La, and Ideeli, three of the top four players in the U.S., is expected to exceed $300 million this year. That, along with sales at other private-sale sites, makes up a significant portion of the estimated $1 billion a year in online sales of luxury apparel, says Sucharita Malpuru, e-commerce analyst at Forrester Research (FORR).

Enterprising business people can turn their passion into profit and take this idea one step further. They can create products similar to (but often even better) than existing luxury goods, have talented Ecuadorians make them and then sell them online.

For example, this Fendi Zucchino shopping tote in canvas with leather handles and trim, made in Italy is for sale on the internet for $819 bucks. Yikes!

Ecuador-business

Here is an Ecuador craftsman scrapping leaves of the Aguave plant to create…

ecuador-business

fiber to make Shigra bags like this… green… hand made for the wearer.  Maybe $30 retail and they could look better than the Fendi!

Ecuador-Crafts

Here are the keys to make this idea a success.

#1: Be involved in something you really love. This enhances your lifestyle as well as your wealth.

#2: Do not make knockoffs. Make something better…notchups!  Ecuador’s guild system created craft masters who no longer exist in Europe.  You can create handmade products similar to luxury items but are really better and with a better story because the items are hand made.

#3:  Offer experiences not just goods. Offer optional trips so buyers can come and be involved in the creation of their product.

ecuador-business

There are great artists who can do wonderful reproductions like this religious art.

The concept of knockoffs have existed probably since branding began.  However you can create a business selling notchups and knock your competition as you enhance your lifestyle and create extra income.

Gary

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

Join us in Ecuador

Join us at our upcoming courses and tours.

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

December 9-10 Imbabura Real Estate Tour

December 11-13 Ecuador Coastal Real Estate Tour

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

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

Jan. 13-14     Imbabura Real Estate Tour   $499  Couple $749
Jan. 21-22     Coastal Real Estate Tour $499  Couple $749
Jan. 23-24    Quito-Mindo Real Estate Tour   $499  Couple $749
Jan. 22-23    Cuenca Real Estate Tour  $499  Couple $749

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

Join us in February or March.

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

Feb. 15-16   Travel to and visit Quito
Feb  17         Travel to Manta
Feb. 18-19   Coastal Real Estate Tour   $499 Couple $999 or discounted fee for multiple tours below.
Feb. 20        Travel to Cotacachi
Feb. 21-22   Imbabura Real Estate Tour  $499 Couple $999 or discounted fee for multiple tours below.
Feb. 23-24  Quito-Mindo Real Estate Tour $499 Couple $999 or discounted fee for multiple tours below.
Feb. 26-27  Cuenca Real Estate Tour  $499 Couple $999 or discounted fee for multiple tours below.

Mar. 11-14     Super Thinking + Spanish Course, Mt. Dora, Florida ($749) Couple $999

Mar. 15-16    Travel to Quito and Andes
Mar. 17-18     Imbabura Real Estate Tour   $499 Couple $999 or discounted fee for multiple tours below.
Mar. 19-20    Cotacachi Shamanic Tour      $499 Couple $999 or discounted fee for multiple tours below.
Mar. 22-23    Coastal Real Estate Tour        $499 Couple $999 or discounted fee for multiple tours below.
Mar. 25-26    Cuenca Real Estate Tour        $499 Couple $999 or discounted fee for multiple tours below.

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

1 real estate tour  $499 Couple $749

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

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

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

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

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

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

See our entire 2010 seminar and tour schedule here

Read the entire article  Psst! Private-Sale Shopping Sites Are Hot

Ecuador Silver Opportunities


Silver Opportunities in Ecuador go beyond silver itself.

Silver is beautiful and offers great opportunity as jewelry and other art.  Ecuador Silver artisans do wonderful work at low prices.

Ecuador silver can surely be sold via the internet.

Here is how Ecuadormall.com sells Ecuador silver.

ecuador-silver

Yet silver offers other types of opportunity because silver is more than just metal for jewelry.

Here is one example of how one reader of many years, Steve Barwick, markets information on colloidal silver and wrote about our internet course.

This reader was a professional copywriter for many years. He lives far from anywhere also…deep in California ’s desert. One day his copyrighting business introduced him to the healing power of colloidal silver. He was enthused and wanted to sell this product… but found he could not… too many rules too many regulations and a medical establishment that did not want simple health solutions available to the public.

This highlights the power of publishing. Steve felt he could not manufacture and sell colloidal silver… but he could self publish information about how to make and use it. No matter how much big business wanted to stop him, it could not interfere with the freedom of the press.

So for years he marketed this wonderful product until I began writing about the power of internet self publishing. From here, I’ll let this reader tell the story himself.

Here is the unsolicited note he sent:

“Gary ! I really do enjoy getting your emails each morning before I start my day, and when they stop coming, I miss them immediately.

“Over the last few days I’ve been thinking about why I read your emails so frequently, compared to the literally dozens of other email communications I receive from a variety of business and marketing “gurus,” which I mostly skip. If you don’t mind, I’ll take a moment to tell you what I feel sets you apart from the rest of the herd:

“First, your insights into the “small, slow and steady” way of doing business act as a much needed check on my tendency to take on too much work in the course of my business day and wear myself out. Reading your emails the first thing in the mornings always seems to help keep me focused and well-grounded.

“The other “gurus” are always talking about going “big, big, big” and shooting for the moon. And I must admit, there is a part of me that wants to run a business empire. But every time I fall into that trap I pay a hefty price for it, physically, emotionally and financially. I am a walking testament to the business truths you have taught over and over again; I always do best in my business by staying as lean as possible, and staying focused and relaxed by working on what I love the most.

“Secondly, the always friendly and personal nature of your emails are a very welcome respite from the often manipulative and insincere nature of the email communications I am bombarded with from other “gurus.” I love getting emails that feel like they are coming from a good friend who always has an eye out for opportunities I might be interested in. I can’t stand getting emails from people who come on like sideshow con artists and carney barkers.

“Third, your emails always tend to reflect your positive and uplifting spirit, and serve as reminders for me to keep a cheerful and positive outlook at all times, even during the most challenging of business days. I don’t always succeed at this. But it always gives me something to shoot for. To paraphrase Jack Nicholson in “As Good as it Gets,” your daily emails make me want to be a better person, both in my business and personal life.

“Finally, my wife and I usually sit down at the end of each business day and briefly review the events of the day with each other. We mostly discuss anything new we’ve learned, and better ways of getting important tasks accomplished. And as she will tell you, many have been the times that the conversation has started off with the phrase, “Today, Gary Scott said…” I don’t tell you that to flatter you. It’s just the way it is. I don’t always agree with everything you say. But I do learn from everything you say.

“By the way, I really must tell you one more thing that has me really excited. I want you to know about it, because you played a prominent role in helping me get over a huge hurdle that has, as a direct result, increased our company business by well over $100,000 a year.

“As you know, I’m an old direct mail hand from way back. So I focus the vast majority of my attention on marketing my company’s products through direct mail marketing, much as you used to. And over the years Kathy and I have done really well at it. We’ve made a very good living. Our house and property are paid for. We have nice cars. Some decent investments. Plenty of money in the bank. Etc. But as I’ve read more and more of your emails on internet marketing, it has inspired me to dedicate a little bit more time to our main web site, rather than focusing so exclusively on direct mail.

“Our main web site (the one that features our colloidal silver generators and nutritional supplements) was a real mess and only did about $1,200 worth of sales a month. All my focus was on all of the money we were making through our direct mail sales campaigns. But as I read your emails about how you and Merri made the shift from direct mail marketing to internet marketing, the idea of making the web site work better kept nagging at me.

“So earlier this year I attended a few local (and very expensive) seminars on internet marketing, and made some dramatic changes to the web site based upon what I’d learned. After much work (i.e., new photos, new design, new sales copy, new shopping cart, and some experimentation with Yahoo pay-per-click) that took many months worth of hard work and many thousands of dollars more to complete, I managed to triple the income the web site was generating. Big deal. The end result was that we went from $1,200/month to $3,600/month in sales, which was pretty weenie compared to what I had expected.

“I was disappointed. But I kept coming back to your emails which discussed the importance of telling a story, and developing a relationship with your customers. Something in what you were saying rang true. But you know me: I’m a hardcore salesman from the old days, who believes in going straight for the sale. None of this “storytelling” and “relationship” stuff for me. In short, I was very reluctant to change what has always worked so well for me for the past 27 years of my direct mail marketing career.

“To make a long story short, my disappointment in the results from my web site changes forced me to analyze what went wrong. Your words about this being the “era of the story” kept reverberating in my mind. I finally broke down and wrote what I called a “folksy” story about how Kathy and I first found out about colloidal silver, and how we got into the colloidal silver generator business. I took the advice you so often give in your emails on internet marketing, and tried to write our story specifically from the point of view of helping potential customers learn and benefit from our experiences, rather than trying to sell them anything. In fact, I eliminated from the story all efforts at selling any products whatsoever, and just wrote to educate and inform the reader.

“I have to admit, when the story was finished I just couldn’t bring myself to post it to the web site. It was just too far off course from what has always worked for me in the past, in terms of sales and marketing. I’ve always been a hard-core “wham-bam-thank-you-ma’am” sales writer, as you well know.

“But I kept coming back to your emails on using storytelling to develop an ongoing relationship with your customers. And finally it dawned on me that one of the most delightful things that always keeps me eager to read your emails each day, and visit your web site from time to time, and try your products when they strike my fancy or suit my needs, is the endearing stories you tell about your work, your business history, your personal experiences, and the experiences of the people you have either worked with in the past or have surrounded yourself with in the present.

“So I decided to give it a try. I took our home page – which was a hard-sell, straight-for-the-jugular sales pitch — and made it page number two of the web site, instead. And in its place I put up our “folksy” story as the new home page. Then I held my breath. I really thought web site sales would plummet. After all, making this change meant our entire home page would sell…absolutely nothing. It just told our story. For the life of me, I couldn’t imagine that anyone searching on the internet to buy a colloidal silver generator would want to stop and read our story first.

“Well…it’s now been three months since replacing our “hard-sell” home page with our “folksy story” home page, and here’s the good news: That one simple change has nearly tripled our internet sales. I’m not kidding you, Gary. We are now doing on average $8,000 a month in internet sales alone! In November, we did a whopping $12,163.55 in gross sales through the web site. That’s $145,962.60 in gross product sales, on an annualized basis. Now those are some numbers that really get me excited!

“What’s more, the web site stats show that replacing the former “hard sell” home page with our new “folksy story” home page increased our web site stickiness (i.e., the amount of time people spend on our site) by a factor of ten. People spend far more time on the web site now that our “folksy story” is our home page. And the stats demonstrate that they are actually visiting more of the other pages on our web site than ever before.

“Thanks to you, we have dramatically increased our online sales, with no extra effort other than simply telling our story.

“By the way, in order to keep in touch with our new online customers, we will soon launch a daily email service alerting them to the latest research and information on staying healthy and well with colloidal silver and the various nutritional supplements we carry. We hope we can engender through our emails the same kind of supportive, educational and enlightening atmosphere you’ve been able to engender for your readers, through your daily emails.

“Regards always, Steve Barwick, TheSilverEdge.com”

Reading Steve’s note was gratifying to say the least, but it also stressed three important facts about business today.

Point #1: The internet can dramatically boost your income with minimal investment in time cost and expense.

Plus Steve shared here one really smart way to get exposure for your website. Send a positive note to editors of other publications and when you sign it, be sure to put your web site address at the bottom. Smart move Steve! He has a powerful product that anyone who is interested in health beyond the MD should know.

Point #2: Self publishing is a powerful way to use the internet and can be enormously profitable. Steve is adding income at a rate of an extra $12,000 a month. Yet as he incorporates ideas we give him, he may reach higher and higher sales levels. Our internet sales alone yesterday were $13,240…in one day. Yet we have no full time staff and few overheads as we run this business from a bedroom in our house.

Point #3: A big part of the world has become disgusted with the dishonest hidden agendas of big business. If you have a small business providing a good service that you love giving…and just tell it like it really is…the world will beat a path to your door. Not the whole world perhaps but a world that’s plenty big enough to bring you enormous wealth and self fulfillment!

You can see how Steve sells colloidal silver here.

Learn how to sell Ecuador silver via the internet with our course “Tangled Web – How to Have an Internet Business.”

Gary

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

December 9-10 Imbabura Real Estate Tour

December 11-13 Ecuador Coastal Real Estate Tour

2010

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

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

In 2010 you can save  to $359 on 2 seminar courses & tours   $  998 Couple  $1,399
Save up to $698. 3 seminar courses & tours      $1,399 Couple  $1,799
Save up to $1,047. 4 seminar courses & tours   $1,699 Couple  $2,199
Save up to $1,599. 5 seminar courses & tours   $1,999 Couple  $2,599

Early Bird Extra Savings. All delegates who enroll for a December 2009 or January through March 2010 course during this month, November 2009 save up to $200 more.

Save up to $200 more. 2 seminar courses & tours $  949 Couple    $1,199
Save up to $200 more. 3 seminar courses & tours   $1199  Couple   $1,749
Save up to $300 more. 4 seminar courses & tours   $1,399 Couple  $2,149
Save up to $400 more. 5 seminar courses & tours   $1,599 Couple  $2,499

2010 will be a truly exciting year in Ecuador…. more tours in more places. For the first time it is possible to get a feel for all of Ecuador in one continuous tour.

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

December 9-10 Imbabura Real Estate Tour

December 11-13 Ecuador Coastal Real Estate Tour

Attend all three and save up to $698. 3 seminar courses & tours   $1,199 Couple  $1,749

2010

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

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

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

Save with our early bird multi tour discounts.

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

Save up to $359.     2 seminar courses & tours    $949 Couple  $1,399

Save up to $698.     3 seminar courses & tours   $1,199 Couple  $1,749

Save up to $1,047.  4 seminar courses & tours   $1,399 Couple $2,149

Save up to $1,599.  5 seminar courses & tours   $1,599 Couple $2,499


Silver Business in Ecuador


A great way to retire early or fight inflation is with a silver business in Ecuador.

international-silver

Yesterday’s message part one of this Silver Update reviewed thoughts on silver investments.

Silver may or may not be the best investment… but a business in silver can be a great idea.

Your silver business does not have to be just in Ecuador… or in Ecuador at all.

Your silver business can be as simple as being a silver collector.   If you like coins, bars, history and collecting you can enjoy a business that is part  hobby. This can create serious investment potential (if you become good and know what and how to buy).   There are many delightful coins to collect and, over time, you are likely to improve your asset holding in silver more than if you are buying bullion.  Few investments have risen as much as good collections whether they be of coins, wines, art or cars.

Manufacturing or importing silver products is another way of investing in silver that can be profitable.   This is one of the Ecuador silver products our Ecuador export delegates see Ecuador silver and gold crafts like this on our Ecuador export tours.

This is a business where your inventory will appreciate when silver prices rise… but prices rarely drop when silver prices fall.

international-silver

More Ecuador gold & silver art.

international-silver

Many of our Ecuador export tour delegates look at…

international-silver

silver products on their tours.

international-silver

Yesterday’s message focused on the fact that silver investments do not look like the best inflation hedge. Personally,  I choose gold. 

However for those who feel at any time that silver is under priced… or who just like silver, this is a commodity that has sudden price surges (as well as drops).   With silver, good speculators can do well.

Silver has great beauty and attraction so if your love affair is with silver… turn your passion into profit  and consider a business in silver… collecting, manufacturing or importing of silver.  Then whenever silver prices rise, the value of your stock in trade grows.

Learn how to sell Ecuador silver via the internet with our course “Tangled Web – How to Have an Internet Business.”

Gary

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

December 9-10 Imbabura Real Estate Tour

December 11-13 Ecuador Coastal Real Estate Tour

2010

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

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

In 2010 you can save  to $359 on 2 seminar courses & tours   $  998 Couple  $1,399
Save up to $698. 3 seminar courses & tours      $1,399 Couple  $1,799
Save up to $1,047. 4 seminar courses & tours   $1,699 Couple  $2,199
Save up to $1,599. 5 seminar courses & tours   $1,999 Couple  $2,599

Early Bird Extra Savings. All delegates who enroll for a December 2009 or January through March 2010 course during this month, November 2009 save up to $200 more.

Save up to $200 more. 2 seminar courses & tours $  949 Couple    $1,199
Save up to $200 more. 3 seminar courses & tours   $1199  Couple   $1,749
Save up to $300 more. 4 seminar courses & tours   $1,399 Couple  $2,149
Save up to $400 more. 5 seminar courses & tours   $1,599 Couple  $2,499

2010 will be a truly exciting year in Ecuador…. more tours in more places. For the first time it is possible to get a feel for all of Ecuador in one continuous tour.

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

December 9-10 Imbabura Real Estate Tour

December 11-13 Ecuador Coastal Real Estate Tour

Attend all three and save up to $698. 3 seminar courses & tours   $1,199 Couple  $1,749

2010

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

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

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

Save with our early bird multi tour discounts.

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

Save up to $359.     2 seminar courses & tours    $949 Couple  $1,399

Save up to $698.     3 seminar courses & tours   $1,199 Couple  $1,749

Save up to $1,047.  4 seminar courses & tours   $1,399 Couple $2,149

Save up to $1,599.  5 seminar courses & tours   $1,599 Couple $2,499

Micro Web Business Clue


Here is a micro web business clue… have a really tight niche in your internet business.

Internet-export-idea

Many readers learn how to have an Ecuador export and internet business. Here are delegates at our October 2009 Ecuador export course visiting the Hilana factory which makes a variety of textile products from Llama wool and cotton.

This is also why we are sharing a free course on how to create your own website without a webmaster written by Michelle Toole. Here is the 39th lesson in this FREE course.

The Power of a Super-Tight Niche
By Michelle Toole

When building a web business, ‘niches’ are where it’s at. You ask what’s a niche? Well a niche is web site idea or concept that addresses a particular target audience and the key is to find that sweet spot where you have high demand and low supply or competition.  Match that with your passion and the perfect set of web business building tools and that equals success.

But the question is what if your target audience is really small, low supply, low demand, should you still consider building a web business around a small or ‘super tight niche?’

Logically one would say no, a high demand, low supply niche drives large amounts of targeted readers/buyers to your site which means money in your pocket.  So why would someone deviate from a successful e-commerce formula?  Good Question and the simple answer is that at times a ‘super tight niche’ can be just right especially if it’s your passion!

Freeing yourself from the typical niche formula, low supply and high demand can open up some very tiny niches that one would otherwise overlook. If time is limited, passion is high, and the monetization model fits well, there are indeed times when a ‘super-tight niche’ can make perfect sense financially.

Let’s say that your web site niche concept has a demand of less than 1,000 which means less than a 1,000 people search for that term each month which is pretty small.  And there are around 250,000 pages containing that niche keyword, which is limited competition.  Should you say “Yeah” or “Nay” to that site concept?  Well it’s a challenging question and the key is in your monetization model.  If you are fairly confident that your planned monetization model(s) can support a narrow niche, meaning minimal traffic and you have a high return on investment per sale then ‘Go for it!’

Advantages to a Super Tight Niche

So what’s the first advantage of a super-tight niche?  A fast rise to fame.  With your focused content, optimized pages, and quality in-pointing links you win the keyword battles at the engines quite quickly.

With less competition it will be easier to find you in the search engines meaning you can rank higher sooner. And that means the faster your web site appears on the first page of Google.  Keep in mind, though, that while you will get traffic faster, you will max out your market that much faster as well. Your monetization plan must be rock solid and a natural fit.

You don’t need a lot of traffic if your monetization method includes a ‘very high return on investment’ (ROI). If your business is mortgages on Hollywood or New York City real estate, you may only need 100 customers a year to earn a very comfortable income.

The second advantage of a ‘super tight niche’ is the devoted following (i.e., your target market). If your content is excellent (which it has to be in a tight niche), your passion is real and your writing is appealing, you’ll win a loyal PREsold audience. In fact, the more passionate and knowledgeable you are, the stronger will be your audience’s attraction and attachment to your site which if you have a solid monetization model leads to that all important sale.

And finally and most importantly is that with a super tight niche your traffic tends to convert more easily into click-throughs and sales. This is because the visitors who are seeking information using your super tight niche keywords know exactly what they are looking for and generally it is something very specific. And that ‘specific need’ will be the basis of your monetization model.  Your visitors will be ‘highly targeted traffic’,  just the kind you want!

Bottom Line… A decently written “tight site” is a shoe-in to score well and generate super-focused traffic. Even though you’ll hit your max more quickly than wider niches do, what you “gain” overall more than compensates; a solid business that brings you both income and pleasure as you interact with people who share the same passion.

Gary

How We Can Serve You

How to Have Real Safety in 2020

The most important investment you can make in 2020, is in yourself. 

Invest in more time.  Invest in less stress. Invest in greater security.That’s why four years ago we created the Purposeful Investing Course (PI) because when it comes to finances, there are only three reasons why we should invest.  We invest for income.  We invest to resell our investments for more than we had invested.  We invest to make our world a better place.

We should not invest for fun, excitement or to get rich quick, or in a panic due to market corrections.

The core model portfolio we teach in the PI Course rarely changes, but is highly diversified in thousands of shares around the world… so there is higher long term profits, less stress and greater safety.

The portfolio consists of 19 country ETFs.  During the four years since we created the Purposeful Investing Course and set up a $40,000 real time portfolio at Motif Brokers, we have held the same 19 shares and have only traded three times.

The portfolio started with $40,000 and has risen to $53,591 ($49,015 in shares and the balance in accumulated cash).

The portfolio did really well from 2015 to 2018, better than the DJI Index.  Then as the US dollar grew in strength it fell behind.

The chart below shows the actual results of thos portfolio compared with the S&P 500.

motif

 

This good value portfolio above is based entirely on good value financial information and mathematically based safety programs developed around investing models that date back 91 and 24 years.

The Pifolio is a theoretical portfolio of MSCI Country Benchmark Index ETFs that cover all the good value markets developed combining my 50 years of investing experience with study of the mathematical market value analysis of Keppler Asset Management.

In my opinion, Keppler is one of the best market statisticians in the world.  Numerous very large fund managers, such as State Street Global Advisers, use his analysis to manage over $2.5 billion of funds.

The Pifolio analysis begins with Keppler who continually researches international major stock markets and compares their value based on current book to price, cash flow to price, earnings to price, average dividend yield, return on equity and cash flow return.  He compares each major stock market’s history.

Fwd: keppler

Michael Kepler CEO Keppler Asset Management.

Michael is a brilliant mathematician.  We have tracked his analysis for over 20 years.   He continually researches international major stock markets and compares their value based on current book to price, cash flow to price, earnings to price, average dividend yield, return on equity and cash flow return.  He compares each stock market’s history.  From this, he develops his Good Value Stock Market Strategy and rates each market as a Buy, Neutral or Sell market.  His analysis is rational, mathematical and does not cause worry about short term ups and downs.  Keppler’s strategy is to diversify into an equally weighted portfolio of the MSCI Indices of each BUY market.

This is an easy, simple and effective approach to zeroing in on value because little time, management and guesswork is required.  You are investing in a diversified portfolio of good value indices.

A BUY rating for an index does NOT imply that any stock in that country is an attractive investment, so you do not have to spend hours of research aimed at picking specific shares.  It is not appropriate or enough to instruct a stockbroker to simply select stocks in the BUY rated countries.  Investing in the index is like investing in all the shares in the index.  You save time because all you have to do is invest in the ETF to gain the profit potential of the entire market.

To achieve this goal of diversification the Pifolio consists of Country Index ETFs.

Country Index ETFs are similar to an index mutual fund but are shares normally traded on a major stock exchange that tracks an index of shares in a specific country.  ETFs do not try to beat the index they represent.  The management is passive and tries to emulate the performance of the index.

A country ETF provides diversification into a basket of equities in the country covered.  The expense ratios for most ETFs are lower than those of the average mutual fund as well so such ETFs provide diversification and cost efficiency.

Here is the Pifolio I personally use.

70% is diversified into Keppler’s good value (BUY rated) developed markets: Australia, Austria, France, Canada, Germany, Hong Kong, Italy, Japan, Norway, Spain, Singapore and the United Kingdom.

30% of the Pifolio is invested in Keppler’s good value (BUY rated) emerging markets: Brazil, Chile, China, Colombia, the Czech Republic, South Korea, Malaysia and Taiwan.

The Pifolio consists of iShares ETFs that invested in each of the MSCI indicies of theseall good value BUY markets.

For example, the iShares MSCI Australia (symbol EWA) is a Country Index ETF that tracks the investment results the Morgan Stanley Capital Index MSCI Australia Index which is composed mainly of large cap and small cap stocks traded primarily on the Australian Stock Exchange mainly of companies in consumer staples, financials and materials. This ETF is non-diversified outside of Australia.

iShares is owned by Black Rock, Inc. the world’s largest asset manager with over $4 trillion in assets under management.

The fact that the Pifilios are invested in all the shares of the MSCI Index in each good value market reduces long term risk.

When the US stock market bull ends, know one knows for sure how long or how severe the correction will be.

When the bear arrives, what will happen to global and especially good value markets?

No  one knows the answer to this question.

What we do know is that the equally weighted, good value market Pifolios have the greatest potential long term and that math based trailing stops can be used to protect against a secular global stock market correction when it comes.

My fifty years of global investing experience helps take advantage of numerous long term cycles that are part of the universal math that affects all investments.

What you get 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 four 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” 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 “Silver Dip” 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” 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.

In 2020 I celebrate my 54th anniversary in the investing business and 52nd year 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.

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

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” 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.

Gary

Here is an Ecuador export delegate at Hilana.

Internet-export-idea

Learn about and see more Hilana export products below.

ecuador-exports

Hilana products are one of many great Ecuador exports… the warmth of wool but the softness of cotton.  Merri and I love our Hilana bedspreads (we have them in many of the rooms at our hotel Inn Land of the Sun (formerly Meson de las Flores),  shirts and coats.  The minute the temperatures drop here in north Carolina we don our Hilana shirts like this one.

Here is a Hilana bedspread at our hotel eson de las Flores.

Ecuador visit

You can check out Michelle’s Toole’s web sites at http://healthy-holistic-living.com and http://home-remedies-and-natural-cures.com.

To get more great tips, like the ones above and to see how and what tools she used to create a successful on-line business go to http://sitesell-sbi.com

International Business & Investing Expanded


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

ecuador-real-estate

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

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

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

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

small-business-statistics

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

Now we know.

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

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

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

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

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

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

Yet you do not have to suffer.

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

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

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

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

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

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

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

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

Commodities are riskiest in the deflationary times.

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

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

Here is the excerpt:

As of October, my current liquid asset allocation is:

Equities

Jyske Invest  Turkey Equity Fund          TRY-EUR        1%

Jyske Invest  European Equity                EUR-                2%

Jyske Bank Share                                       DKK                 2%

Bank of Florida                                          US$                  1%

Total Equity Position                                               6%

Emerging Bonds

Jyske Invest Emerg Bonds Fund          EMCS              8%

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

EMCS (emerging market currency spread)

Emerging Bonds Total                                         26%

Bonds

Jyske Invest Danish Bond Fund                DKK            14%

Jyske Invest  European  Bond Fund          EUR           12%

Caisse D’Amort Dette Bond                        EUR             5%

Jyske Invest Swedish  Bond Fund              SEK             4%

Total Bonds                                                                 35%

Cash

US$                                                                                      15%

GBP                                                                                       8%

EUR                                                                                      7%

CAD                                                                                      2%

NZD                                                                                     2%

Total Cash                                                                 34%

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

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

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

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

ecuador-real-estate

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

ecuador-real-estate

views of the acreage.

ecuador-real-estate

including…

ecuador-real-estate

animal pens…

ecuador-real-estate

crops…

ecuador-real-estate

storage area…

ecuador-real-estate

rental unit and…

ecuador-real-estate

small local canteen the owner operates.  This is a…

ecuador-real-estate

great value at $79,000 asking.

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

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

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

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

This course can help you create your own internet business.

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

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

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

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

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

Even Better Get All three Courses Free

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

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

Gary

Head south to Ecuador!

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

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

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

December 9-10 Imbabura Real Estate Tour

December 11-13 Ecuador Coastal Real Estate Tour

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

Our multi seminar-tour discounts have grown!

See the 2010 winter schedule below.

2 seminar courses & tours

3 seminar courses & tours   $1199 $1,749

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

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

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

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

ecuador-exports

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

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

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

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

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

Delegates see two and three bedroom Andean condos like this.

ecuador-real-estate

with views like this…

ecuador-real-estate

In the $50,000 range.

Large square footage, fixer upper’s like this…

ecuador-real-estate

with large gardens and …

ecuador-real-estate

this view are offered at…

ecuador-real-estate

$30,000… asking.

We see luxury townhouses at $75,000

ecuador-real-estate

We view mansions…

ecuador real estate

inside and…

ecuador real estate

out.

ecuador-real-estate

Gated communities are visited.

ecuador-shots

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

ecuador-real-estate

We see beach front penthouses with these views.

ecuador-real-estate

Ultimate luxury…

ecuador-real-estate

Ecuador beach properties are…

ecuador-real-estate

seen.

Plus rustic houses with…

ecuador-real-estate

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

ecuador-real-estate

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

ecuador-real-estate

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

ecuador-real-estate

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

ecuador-real-estate

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

ecuador-real-estate

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

two restaurants.

P1030417

with 144 seats and…

P1030525

rental units on…

ECUADOR-PROPERTY

this lake.

P1030427

We hope to serve you well with Ecuador real estate.

Gary

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

$1.4 Trillion Deficit Complicates Stimulus Plans

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

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

International Club 2010


International Club 2010 Membership  $2,999 (Until January 2010)  Enroll here We just added four Salinas Ecuador real estate tours to our 2010 schedule. Mar 28-29. 2010 May 28-29, 2010 Sept 20-21, 2010 Nov 22-23, 2010 This increases the total number of tours and courses we will conduct and sponsor in 2010 to 56 and allows our readers to Enjoy extra savings with a multi tour six pack. 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 These four new south coast tours and this six pack tour price however creates a bit of a crisis here. As you can see above a six pack costs $3,099.  This is already a really low price for a tour that last up to 21 days (under $150 a day). But as you will see below, our International Club membership which allows you and a guest to attend up to 56 courses and tours in 2010  (fees would be $40,947 for all these courses individually) is only $2,999. Which would you choose… 6 courses and tours for $3,099 or those same 6 courses and tours plus 50 more for $2,999? “Duh,” I said when this was pointed out to me. So our only solution is to raise the International Club membership to $3,500… still a terrific deal… but $501 more than before. Save $37,457…plus $501.  I will not raise the International club fee until January 2010. Enroll in the International Club now at the original fee of $2,999. International Club 2010 Attend our 56 investment, business, Spanish, real estate and export, courses and tours in 2010 with one small enrollment fee. International Club 2010 Membership Enroll here Economic turmoil today will create more future prosperity then ever before…for those….who accept change and adapt. This is why we bring together experienced, like minded souls, who take a positive view and think outside the box..in a constructive…thoughtful way. Merri and I are in our 41st year of organizing courses, seminars and newsletters about international and quantum lifestyles. The importance of this sharing…by like minded souls…was reinforced when a delegate from a course sent an email that said: My Dearest Merri and Gary, Thank you for your most gracious hospitality last weekend. I am just thrilled at being a part of your group. You and Gary were exactly as I imagined you to be, warm friendly, kind, considerate, genuine, helpful, fun, sincere, what else can I say……I felt so comfortable in your presence and learned so much in your course. I was sad to leave the farm that Sunday afternoon. You made us all feel so welcome and cared about. You were so kind to make arrangements for a ride with the other delegates from the Charlotte airport. They were so nice to me and so helpful, by the time the weekend was over I felt like they were my long lost brothers. Monday morning we all had breakfast at the airport together and I was so sad to see them go, I was sad the weekend was over, perhaps sad is not the right word for how I was feeling perhaps Gratitude is a better way to describe it. Grateful for having the opportunity to share the weekend with such wonderful, like minded Human Beings, in the beautiful mountains of North Carolina. Thank you Merri and Gary…………..Thanks to you I now have new hope and a new direction to move forward in my life. Thanks to you I am so ready to move to Ecuador and begin a new life. I just have to figure out what I am going to do and how to do it……… I know by attending your classes and conferences that through education and due diligence I will make the right choices. This delegate’s comments about “belonging and feeling like a brother” to the other delegates is a wonderful refrain we have heard from our readers, year after year. This why I want to share how you can attend 56 of our investment, business, Spanish, real estate and export, courses, tours in 2010 worth $40,947. 20 years ago Merri and I created a way that readers can join us to be immersed in a year-long learning program through our International Club.  The ideas behind this program began 21 years ago in Vienna, Austria while we were conducting a course there. One of our older delegates, had some sort of attack. The first fear was heart trouble. Several delegates took him to the hospital. Others stayed with him there. I don’t think that delegate was alone for a minute! What impressed Merri and me was that no one asked the delegates to help this man. The friendships of delegates sharing many courses had just grown so strong that it was a natural reaction, just as if a family member was ill. Fortunately, it was only travel fatigue and the delegate didn’t miss a session of the course! When you join our International Club 2010 you become part of a special family. The very first member to join the club all those years ago wrote, “Thank you for the enjoyable and informative courses. I am pleased to be part of your international family and look forward to continuing my education at the next course.” His feeling struck a familiar chord. It has always been one of my greatest satisfactions to see how much fun delegates have getting together, sharing information and making friendships. These courses somehow draw together like-minded souls. For this reason some delegates come back again and again. They come to learn, but also to be with their many friends made at the courses. When like-minded souls get together again and again to discuss a common purpose, magic happens! I can’t explain it in any other way-but it is true. In a way our meetings are almost like family reunions. Perhaps it is getting together and reflecting on what has been said and what has been happening. Learning with those who are also interested in the world creates thoughts that multiply the value of what we gain. This is hard to describe but results are most powerful and wonderful! This is to me is as important as the great financial benefit of attending 52 courses that would cost $40,947 if all booked separately. See why and our 2010 schedule below. We started and have continued this program for 20 years because there are wonderful benefits from having repeat delegates at courses. Having repeat delegates makes the whole course somehow more exciting for all. Being a repeat delegate makes it easier to make and keep wealth and to lock in the knowledge you gain. It’s an exciting lifestyle. We have fun, gain adventure, discovery and friendships and share ways to improve our health and wealth! We have more than doubled our courses in 2010… 56 courses and tours, two in the Blue Ridge of North Carolina, three in Central Florida and the balance in Ecuador.  Few club members actually attend every course and tour…  but you can if you desire. If you attend even a few of the courses, you gain considerable savings. For those not interested or unable to visit Ecuador, we have our North Carolina courses in the summer when it is cool here in the Blue Ridge Mountains and don't forget the autumnal beauty in October…. plus in Florida during the winter.  Each US course is attached to an Ecuador tour so you gain information in the US and then travel with others to Ecuador for experience (if you desire). Here are the 56 courses and tours you can attend free. Plus there is even one more savings you will see below. Jan.   8-11     Ecuador Export Tour   ($499 or couple $749) Jan. 13-14     Imbabura Real Estate Tour  ($499 or couple $749) Jan. 16-17     Coastal Real Estate Tour  ($499 or couple $749) Jan. 19-20    Quito-Mindo Real Estate Tour  ($499 or couple $749) Jan. 22-23    Cuenca Real Estate Tour  ($499 or couple $749) Arrival dates are always one or two days earlier. Please double check with us before booking flights. Feb. 11-14   Quantum Wealth Florida – International Investing & Internet Business, Mt. Dora, Florida ($749) Couple $999 Feb. 15-16   Travel to Quito Feb. 17         Travel to Manta Feb. 18-19   Coastal Real Estate Tour ($499 or couple $749) Feb. 20        Travel to Cotacachi Feb  21-22   Imbabura Real Estate Tour ($499 or couple $749) Feb. 23-24  Quito-Mindo Real Estate Tour ($499 or couple $749) Feb. 25         Travel to Cuenca Feb. 26-27   Cuenca Real Estate Tour ($499 or couple $749) Mar. 11-14     Super Thinking + Spanish Course Florida ($749 or couple $999) Mar. 15-16    Travel to Quito and Andes Mar. 17-18     Imbabura Real Estate Tour  ($499 or couple $749) Mar. 19-20    Cotacachi Shamanic Tour  ($499 or couple $749) Mar. 22-23    Coastal Real Estate Tour   ($499 or couple $749) Mar. 25-26    Cuenca Real Estate Tour  ($499 or couple $749) Mar. 28-29   South Coast Real Estate Tour ($499 or couple $749) Apr. 12-15   Ecuador Export Tour ($499 or couple $749) Apr. 17-18   Imbabura Real Estate Tour ($499 or couple $749) Apr. 20-21  Coastal Real Estate Tour ($499 or couple $749) Apr. 23-24  Quito-Mindo Real Estate Tour ($499 or couple $749) Apr. 26-27  Cuenca Real Estate Tour ($499 or couple $749) May  13-14     Ecuador Shamanic Minga  ($499 or couple $749) May  16-17    Imbabura Real Estate Tour  ($499 or couple $749) May  19-20    Coastal Real Estate Tour ($499 or couple $749) May  22-23    Quito-Mindo Real Estate Tour  ($499 or couple $749) May  25-26    Cuenca Real Estate Tour  ($499 or couple $749) May  28-29    South Coast real Estate Tour ($499 or couple $749) June 24         Quantum Wealth North Carolina June 25-27    International Investing and Business North Carolina  ( $749 or couple $999) June 28-29   Travel to Ecuador and Manta June 30-Jy 1 Coastal Real Estate Tour  ($499 or couple $749) July 3-4          Imbabura Real Estate Tour   ($499 or couple $749) July 6-7          Quito-Mindo Real Estate Tour    ($499 or couple $749) July 9-10        Cuenca Real Estate Tour   ($499 or couple $749) Sept.   3-6      Ecuador Export Tour  ($499 or couple $749) Sept.   8-9      Imbabura Real Estate Tour  ($499 or couple $749) Sept. 11-12     Coastal Real Estate Tour   ($499 or couple $749) Sept. 14-15     Cuenca Real Estate Tour    ($499 or couple $749) Sept. 17-18     Ecuador Shamanic Minga  ($499 or couple $749) Sept 20-21      South Coast Real Estate tour ($499 or couple $749) Oct.    7          Quantum Wealth North Carolina Oct.   8-10     International Investing & Business North Carolina ($749 or couple $999) Oct.   11-12    Travel to Quito and Andes Oct.  13-14     Imbabura Real Estate Tour ($499 or couple $749) Oct.  16-17     Coastal Real Estate Tour ($499 or couple $749) Oct.  19-20    Quito-Mindo Real Estate Tour ($499 or couple $749) Oct. 22-23     Cuenca Real Estate Tour ($499 or couple $749) Nov.    4-7        Super Thinking + Spanish Course Florida ($749 or couple $999) Nov.    8-9       Travel to Quito and Andes Nov. 10-11       Imbabura Real Estate Tour ($499 or couple $749) Nov. 13-14      Coastal Real Estate Tour ($499 or couple $749) Nov. 16-17      Quito-Mindo Real Estate  ($499 or couple $749) Nov. 19-20     Cuenca Real Estate Tour ($499 or couple $749) Nov  22-23      South Coast Real Estate Tour (($499 or couple $749) Dec.   3-5       Ecuador Shamanic Mingo  ($499 or couple $749) Dec.   7-8       Imbabura Real Estate Tour ($499 or couple $749) Dec.  10-11    Coastal Real Estate Tour ($499 or couple $749) Dec. 13-14     Quito-Mindo Real Estate Tour ($499 or couple $749) Dec. 16-17      Cuenca Real Estate Tour ($499 or couple $749) If you join the International Club, the entrance fee for 2010 is $2,999 (until January 2010).  Your attendance fees at all courses will be waived. You and your guest can attend courses worth $40,947. You can calculate the savings as our schedule of all 2010 courses is shown below. Arrival dates are always one or two days earlier. Please double check with us before booking flights. I invite you to be a member of the International Club which allows you and your guest of your choice to attend all of these courses which are valued at $40,947! International Club 2010 Membership Enroll here You may well wonder why I would make such an offer and ask why the cost is so low? Let me answer this question frankly and from the heart. First, it helps us do a better job for you. We feel greatly enriched when we can really help our clients improve their lives. We have learned through years of experience the best way to do this is to meet with you regularly. We can best help you learn how to improve your health and wealth through continual expansion of knowledge. Second, we gain enormous fulfillment from the many friendships we form through the years. Our friends have enriched our lives tremendously. Let me explain this in more detail. As a member, you will be part of our international family that meets intensively over the next year to examine ways we can make our lives better. Our goal is beyond just having money. Our goal is to have quantum wealth… good health… wealth and fulfillment through service. Though I give all course delegates my very best, I cannot help but to do a better job for those who come again and again. As we meet often; your particular wants, needs and desires become clear, and it is easier for me to point you in the right direction. Another phenomenon is that repeat delegates help each other! They get to know one another, help each other learn, share their insights, make contacts and gain more wealth. Out associates in Ecuador, are experienced business people who live or work and conduct our real estate and export courses.  They can also act as your local backup for the business. Lifestyle for Two. There is more! I have learned at my courses that many repeat delegates were couples. We want couples! As a member of the program, you are entitled to bring another person to every single course or tour. The cost for that extra person will be ZERO!  You can bring whomever you wish. Bring your spouse, a friend, son or daughter, partner, accountant, adviser. You can bring the same person each time or a different person, whomever you choose to accompany you. (Accommodations and air fares relating to the courses are not included for members, delegates or their guests.) Won’t you join us in this exciting club and share Merri’s and my lifestyle for the next year? We look forward to seeing you at as many courses as possible and sharing this wonderful world of abundance and well being with you! Gary International Club 2010 Membership  $3,500 Enroll here