Tag Archive | "cents"

Multi Currency Penny


The multi currency penny drops as the dollar…and the euro fall.

Multi currency investors should ask. Is the US running out of wealth…figuratively as well as literally? Plus should the penny be dropped?

Multi currency investors also know that the penny literally should be dropped. Actually even the nickel should be dropped as well.

At the end of 2007, when metal prices were high, it cost 1.67 cents to mint a penny and nearly a dime to make a nickel.

The US mint estimates that striking these two coins created a loss for US taxpayers of about $100 million last year. Drop the penny and nickel and perhaps US tax payers would only have to spend $699 billion on the bail out.

Plus these are pretty meaningless coins realistically speaking. What can you buy for a nickel or a penny? They are only worth something figuratively.

Yet no administration will dare drop them…which is a point that we, as multi currency investors, should note. The US administration and most investors continue to live in a figurative world they cannot afford. Realistic multi currency investors can make literal profits from the majority’s inability to shift from the figurative to the real world.

The US has joined Japan and Europe as part of the old world, and the old world is not where the action is, even during these difficult economic times.

The shift continues from the old world to the new. The United States is in the doldrums and is not the only industrialized country feeling strain. This is the era when small and new is good!

This is why I have not been surprised to see emerging markets hold up better than
major markets during the current crisis.

A recent message about Multi Currency Risk Premium showed how to increase yields by 50% by investing in euro using emerging bonds.

Yet the euro can (and has) dropped against the US dollar, so emerging dollar bonds make sense as well as euro emerging bonds….especially because these dollar bonds can double the yield of Treasury dollar bonds.

We just sent our multi currency portfolios course an emerging dollar bond portfolio guaranteed by five governments that yields 5.79%.

You can see this portfolio when you subscribe to our Multi Currency Portfolios Course

A reader just shared a refrain about emerging markets that I am hearing, more and more, when she wrote:

“Gary, I just wanted to let you know how very much I’m enjoying all the information on Ecuador. For the past year or two I’ve been telling friends and family that I’d much prefer to live in an established 3rd world country on its way up, than the new 3rd world country I fear the US is becoming. Until yesterday, everyone thought I was nuts! I adore Ecuador! I had the priviledge of spending 2 months there a mere 29 yrs ago and have often dreamed of returning. Next Nov I’ll turn 50 and will be returning to Ecuador for another extended stay. I can’t wait! On that trip 29 yrs ago, my friend and I talked about importing the beautiful handicrafts we found in the Otovalo market and in the surrounding mountain villages. I’m looking forward to revisting that idea. Thanks for all that you and Merri do!”

This is how we feel about Ecuador. This country is on its way up as North Americans move south. One great benefit Ecuador has is warm weather. Merri and I love our lives in North Carolina’s mountains but after autumn’s gold, the weather looks like this! Here we were one year at the entrance of our farm.

multi-currency-snow

We won’t make that mistake again!  Instead we move to Ecuador’s Pacific coast and Cotacachi, enjoying weather and views like this one shot we shot ovelooking San Pablo Lake and Otavalo which are near our hotel.

Tomorrow’s message looks at more Ecuador pictures and a multi currency bond portfolio that can triple your income!

Until then, good multi currency investing.

Gary

Our Oct 14-18 Ecuador Import Export Course has two spaces left.
https://www.garyascott.com/catalog/ecuador-import-and-export-tour

Learn this November more about Ecuador and emerging bonds.  Join Merri,  me, Steve, Kjetil Haugan and Peter Conradsen of Jyske Global Asset Management in Cotacachi Ecuador.  We’ll review economic conditions, Ecuador real estate, my entire portfolio and investing and business  ideas for the months ahead.

Nov 7-9 2008 International Investing and Business Made EZ Ecuador
https://www.garyascott.com/catalog/international-business-made-ez-ecuador

See these condos at for sale at $46,000 in Cotacachi.

multi-currency-Ecuador-condos

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

Then travel to the coast.  See the Vistazul, Ecuador Pacific views like this.

ecuador-beach-condo-sunset-view

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

See discounts for two or more of these courses and tours.

Ecuador Currency Tip


This Ecuador currency tip can save you big bucks in Ecuador or any time you need a foreign currency.

I recently spoke at a seminar in Mexico and realized that I have become lazy about carrying multi currencies. Ecuador’s currency is the US dollar so no currency exchange is required coming or going.

I maintain British pound and Danish kroner investments so when I travel to Denmark or England, our two most frequently visited places after Ecuador, I already have the correct currency available in cash.

So when Merri and I arrived at Cancun airport, I realized Mexican pesos would be needed! Ouch. Avoid converting currencies at airports. The forex exchange rates are usually bad.

If you are frequently exchanging currencies the costs can be high, so here is a multi currency, conversion tip sent to me by a trusted friend.

“Gary, It costs me about $1500 a year just to send money to the UK and Sweden in bank and FOREX charges! A friend in Australia recommended www.ozforex.com – you select a buy and sell currency and beneficiaries (destination bank accounts). So far it looks like I’m going to more than halve the annual costs of sending money and their rates seem much better. For example $1500 with current method gives £794.74 but with OZForex, £842.25 – 6% better rates and only A$15 transfer fee.

Ecuador Cash Tips

The US dollar is Ecuador’s currency. Paper money is identical but both US and Ecuador coins are used. Ecuadorian coins minted in Ecuador are the same in size, weight, workmanship and color as US coins but have different reliefs and are only legal currency in Ecuador.

You can bring dollars with you. They work well except $100 dollar bills. These are accepted only with caution. Outside major cities sometimes it is impossible to cash $100 dollar bills. There is a lot of counterfeiting of $100 bills in Colombia, so the Ecuador Central Bank issues a list of valid $100 bill serial numbers. If the serial number of your $100 bill (even though it is real) is not on the validated list, you may not be able to use it in many places.

Bills that circulate in Ecuador are the $1, $5, $10, $20, $50 and $100. The coins are the penny, nickel, dime, quarter, fifty cent piece. Plus the one dollar coin is very popular in Ecuador. I always wondered where all the Susan B. Anthonys went!

Ecuador prices are low and vendors are poor. They do not have a lot of change. When Merri and I go to Ecuador, we take rolls of quarters and a lot of $1, $5, $10, $20 bills.

Ecuador Traveler’s Checks

Traveler’s checks are not accepted at this time. You usually need to go to the forex houses or banks to cash them. The commission charged varies between 1% and 4%. And often banks will no longer accept these checks as South America is inundated with forgeries. In Cotacachi, no one will accept a traveler’s check

We never even had an ATM card in the US but found that this is a good way to access cash. We also have a safe in all our rooms in Meson de las Flores and Hotel Quito offers free safety deposit boxes so when we arrive, we just put all our cash, wallet with credit cards and passports in our safe box. Then we just have a bit of cash like $20 or so in our pockets.

Ecuador ATM’s

Merri and I live off of ATMs in Ecuador.

ATM’s are in almost every village in Ecuador and are compatible with international credit cards.

Visa credit cards work at ATMs operated by Bank of Guayaquil, Pichincha, Produbanco and Banco Pacífico. Each ATM shows the logos of which cards can be used on that machine. We use our regular ATM cash card issued by our Florida bank at this Bank of Pichincha branch in Cotacachi.

Ecuador-multi-currency-atm

This bank is on Cotacachi’s second smaller plaza.

Ecuador-multi-currency-plaza

The plaza is pristine because it is maintained by the bank.

Ecuador-multi-currency-atm-sign

The bank is next to the police station and the second smaller Cathedral.

Ecuador-multi-currency-atm-cathedral

There are two Cathedrals in Cotacachi and one bank…a nice ratio.

However there are two Cotacachi ATMs. The second is on the main street 10th of August.

Here is a map of Cotacachi.

cotacachi-atm-map

Our hotel, El Meson de las Flores, is by the Cathedral insignia. The bank and ATM are marked by the red box.

We are allowed to take $500 a day from the Pichincha ATM and $300 a day from the other.

When using an ATM take the same precautions you would anywhere. Merri and I do not withdraw cash alone at night. We keep our password hidden. We observe the people around and make sure the machine is working correctly. If we were to note anything odd in the surroundings or the machine, we would not use our card.

This has never happened. We have never had a problem but still always take precautions. The safest ATM’s are those that are found inside banks and shopping centers.

Ecuador Credit Cards

Credit cards can be used at most hotels, restaurants and in most shops, but not in the markets. Places that are recommended for the use of credit cards are first class restaurants, hotels, gift shops, shopping centers and travel agencies. Not all places accept credit cards. Ask before buying if you do not see a Visa or MasterCard sign. Amex is not seen much outside the major cities.

Vendors are gouged by the credit card companies. Some businesses charges extra, up to 12% to cover the cost of this fee they have to pay…so you can often bargain by offering cash.

Money transfers

Bank transfers take at least three working days. The bank sending the money charges a commission for the transfer, usually $30 to $60. Western Union offers quick and efficient money transfers but is much more expensive. For example a Western union wire of $1000 to Quito, may cost $85.

Merri and I do not have a bank account in Ecuador even though we live there half the year. There is one excellent bank that has a US subsidiary and the subsidiary has offices in Ecuador so you can bank in the US but access cash in Ecuador. We are compiling a complete report on “How to Bank in Ecuador” for our Ecuador Living subscribers now.

You will receive this report free when you subscribe to Ecuador Living.

Until next message, may all your money be easy to access and good!

Gary

Our September 17-20 Ecuador Coastal Real Estate Tour; Quito Real Estate Tour is sold out.

Our September 28-29 Imbabura Real Estate Tour is sold out
https://www.garyascott.com/catalog/ecuador-real-estate

Our September Spanish Class is sold out.

Oct 14-18 Ecuador Import Export Course has a few places left.
https://www.garyascott.com/catalog/ecuador-import-and-export-tour

We still have space in November.

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

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

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

Bahia Ecuador Real Estate


Bahia Ecuador is Ecuador’s best kept secret.

A message entitled Manta Real Estate in Ecuador looked at why Manta makes investing north of this port city a good investment.

Manta may be a great place to invest…but Bahia is a great place to be!

This picture at tripadvisor.com shows one reason why. Here is Bahia, Ecuador.

bahia-Ecuador

The full name of the city is Bahia de Caraquez. This is a town that makes living on this part of Ecuador’s coast a great place to be.

Wonderful Ecuador sunsets are here.

Bahia-Ecuador-sunset

Yet as you will see below, there is much much more…here in Bahia, Ecuador.

Merri and I have for the last 25 years (since we left London) always lived in an out of the way place, two hours or so from an international airport and a half hour to a nice city.

When we moved to Naples, Florida 25 years ago it was a sleepy village…no WalMart…no Office or Home Depot etc. We were two hours from Miami International Airport and half an hour to Ft Myers. We would drive to Ft. Myers once ever two weeks or so to get supplies and then scoot back to the quiet life.

Now we are in the Blue Ridge…nothing is here but fields and forests! We drive a half hour to West Jefferson once a week to get groceries, the Farmer’s Market and if we have to go for office supplies that’s another 45 minutes. Then we zip back into the hills. Greensboro or Charlotte airports are a bit over two hours away.

Our home in Cotacachi, Ecuador is two hours from Quito International Airport and half an hour to the City of Ibarra.

So it was no surprise when I started calculating travel times from our new home in San Clemente in Manabi Province on Ecuador’s Pacific Coast.

We are 45 minutes to Manta. Add a check in and a 30 minute flight. This gobbles up two hours and gets us to Quito International Airport.

A half hour north of San Clemente is the town of Bahia de Caraquez one of Ecuador’s sleepers! It is one of Ecuador’s nicest cities that very few people know.

Bahia, first of all is clean. It became Ecuador’s first Ecocity in the late 1990s as a positive response to two disasters that hit this city of about 25,000 residents.

Two natural disasters fell upon Bahia right in a row. First, in 1997 the “El Niño” phenomenon caused torrents of rain, flooding and washed out miles of road in to and from Bahia. Then a year later in August 1998, a strong earthquake (magnitude of seven) created a huge amount of destruction,

In a kindness that evolution brings, Bahía had to completely reconstruct itself.

With Japanese help and funding, plus many wealthy Ecuadorians (one of Ecuador’s more successful presidents came from Bahia so it is well known in wealthy circles) Bahía rebuilt as an ecological area. The governing authorities made an official declaration of this fact. Since this time, the city has planned its development within the sustainable principals of an Ecocity.

Bahía is a Pacific coastal city located on a peninsula about an hour and 15 minutes north of Manta and is bordered by the Chone River.

Here is a shot taken on one of our coastal real etsate tours over the Chone Estuary.

Bahia-Ecuador-Chone-River

Over the last decade Bahia has become one of the country’s most attractive resort areas due to its beauty, cleanliness and access to the major cities of Quito (five hours by car) and Guayaquil (four hours by car).

Bahia’s year round population is estimated at 25,000 with a substantial increase during the summer,

There are also two very important reasons why Bahia real estate values may now rise fast.

First, a new highway is being built between Quito and the coast. This construction is taking much longer than it should and costing way more than budget..but eventually it will be complete and one more concrete freeway will be able to whisk from Quito to Bahia.

Second, some day there will be a bridge across the Chone. Bahia sits on an isthmus between the Pacific Ocean and the huge estuary of the Chone River. If you are traveling from the south up the coast in a northwards direction, you are stopped at the Chone. The drive onwards moves down the Chone for a couple of hours just to get back to the coast north of the estuary north. Here is a group of our real estate tour delegates looking across the Chone.
Bahia-Ecuador-Chone-River-Sailing-

This map shows it all.

bahia-map

The only way to cross the Chone at this time is via ferry. There are usually two car ferries. This is the Pacific Coast Highway running from Columbia all the way down to Peru and Chile so cars, buses and trucks use them.

Big trucks are loaded, first followed by the cars. These ferries also take foot passengers and are free.

Bahia-Ecuador-Ferry

There are also passenger ferries that continually go back and forth costing about 30 cents for the trip.

However, at times it can take up to two hours to get on a car ferry.

So a bridge across the Chone would be invaluable and is in the process.

John Papski, our man on the coast, recently visited Bahia and President Correa there.

Bahia-Ecuaor-President

Here is President Correa in Bahia.

John helped me complete a two part Bahia report that is now available to our Ecuador Living subscribers.

You can learn how to subscribe here

Until next message may all your secrets be as good as Bahia!

Gary

Our September 17-20 Ecuador Coastal Real Estate Tour; Quito Real Estate Tour is sold out.

Our September 28-29 Imbabura Real Estate Tour has two spaces left
https://www.garyascott.com/catalog/ecuador-real-estate

Oct 14-18 Ecuador Import Export Course
https://www.garyascott.com/catalog/ecuador-import-and-export-tour

We still have space in November.

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

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

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

Micro Business Beat Inflation III


The best way to beat inflation is to always be able to serve through business.

This is why we are providing a FREE course on how to develop your own internet business written by Michelle Toole.

Here is Michelle’s 22nd lesson.

AdSense, what is it and is it a good fit for your web site?

What is Google’s AdSense? Good Question……Google’s AdSense is a contextually based ad system.

What does this mean?

It means that Google quickly reads the content of any page that contains its AdSense code, every time someone views that page. Based on that content, Google then supplies ads that are relevant — in context — to the page information.

A page about dog grooming will show ads about dog grooming, or pet grooming, or perhaps about pets. It won’t show ads about iPods or travel to Thailand.

So, to put it simply, Google places content relevant ads on your web site and every time someone clicks on a Google Ad you earn money!  How much? Well that depends on your site niche and competition, some sites only make .02 cents per click others make $15.00 per click!

The AdSense system is very easy to use and a simple way to add another income stream to your business’s bottom line. And it can turn out to be a river of income if you do it right!  But you definitely have to determine whether AdSense is right for you, and, if it is, know what you need to do to turn it into a consistent money-maker for your site.

Should You Participate?

Participating in Google’s AdSense program requires no long-term contract. Want to stop participating? Simply remove the code from your site and send Google a brief note. There’s absolutely no risk in experimenting.  There are very few reasons why one would not want to participate in the AdSense program. In most cases, it’s a true WIN-WIN-WIN situation.

Even if you aren’t entirely sure the AdSense program is right for your business, Google has made it easy to test.

However, keep in mind that the money you earn depends on the competitiveness of your industry, the number of visitors to your site, the number of impressions, Click-Through Rates and the dollar value of your keywords.

If you are interested in using AdSense on your site, make sure you are very clear about Google’s program and policies: https://www.google.com/adsense/policies

There are occasions when AdSense may NOT make sense for your business…

•    Do you target a sensitive audience? Are you concerned about the sort of image your business will portray by running ads? If so, test very carefully.

•    Is your absolute #1 priority getting your message to your visitors to PREsell high-value returns? For example, are you selling your services to secure tens of thousands of dollars in new client business? Give AdSense a pass, or test very carefully.

•    Are the relevant keywords for your site of low value? Are Click-Through Rates low?

Depending on the purpose of your site, AdSense may not be worthwhile.

The bottom line

Google AdSense can be a great part of your web site monetization plan but make sure that it is right for your site and for your business goals!

Look for my future articles where we discuss additional monetization options, search engine optimization, incoming links, additional e-zine techniques, link exchange programs and much more…..

You can check out Michelle’s web site at http://healthy-holistic-living.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

Learn about Gary Scott’s on line Self Publishing Course

How We Can Serve You

How to Have Real Safety

garyheadshot

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.

This is why the core Pi model portfolio (that forms the bulk of my own equity portfolio) consists of 19 shares and this position has not changed in over two years.  During these two years we have been steadily accumulating the same 19 shares and have not traded once.

The portfolio has done well in 2017, up 22.6%, better than the DJI Index.

motif

However one or even two year’s performance is not enough data to create a safe strategy.

The good value portfolio above is based entirely on good value financial information and mathematically based safety programs developed around 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 and the mathematical trend analysis of Tradestops.com.

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, Germany, Hong Kong, Italy, Japan, Norway, 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 the 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.

Pi uses math to reveal the best value markets then protects its positions using more math created by Richard Smith founder and CEO of Tradestops.com to track each share’s trend.

We use Smith’s  algorithms that calculate momentum of the good value markets.

dr richard smith

The Stock State Indicators at Tradestops.com act as a full life-cycle measure that indicates the health of each stock. They are designed to tell you at a glance exactly where any stock stands relative to Dr. Smith’s proprietary algorithms.

Kepppler’s analysis shows the value of markets.  The SSI signal indicates the current trend of each stock (performing well, or in a period of correction, or stopped out).

The SSI tells you one of five things:

Screen Shot 2017-08-08 at 6.51.59 AM

Screen Shot 2017-08-08 at 6.52.12 AM

Screen Shot 2017-08-08 at 6.52.22 AM

Akey component of the Stock State Indicator (SSI) system is momentum based on the latest 521 days of trading.  A stock changes from red to green in the SSI system only after it has already gone up a healthy amount and has started a solid uptrend.

How SSI Alerts Are Triggered

If the position has already moved more than its Volatility Quotient below a recent high, the SSI Stop Loss will trigger.  This is an indicator that the position has corrected more than what is normal for this stock.  It means to take caution.

Below is an example of how SSIs work.  This example shows the Developed Market Pifolio that we track at Tradestops.com.

tradestops

Equal Weight Good Value Developed Market Pifolio.

At the time this example was copied, all the ETFs in the Developed Market Pifolio (above) currently had a green SSI.

We do not know when the US market will fall.  We only do know that it will.  We also do not know if, when the US market corrects, global markets will follow or rise instead.

The fact that the Pifilios are invested in good value markets reduces long term risk.

Additional protection is added by using trailing stops based on the 521 day momentum of each stock in the Pifolio.

Take for example the graph below from our Tradestops account that shows the iShares MSCI United Kingdom ETF.  This ETF had a green SSI and a Volatility Index (VQ) of 13.26%.  This means the share can move 13.26% before there is a trend shift.

tradestops

iShares MSCI United Kingdom ETF (Symbol EWU)

Pi purchased the share at$31.26 and in this example the share was $34.43 and rising.  Tradestop’s algorithms suggested that if the price drops to $31.69 its momentum would have stopped and it would have shifted into trading sideways.   The stop loss price is currently $29.86.  If EWU continues to rise, both the yellow warning and the stop loss price will rise as well.

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 two years.  Each update examines the current activity in a Pifolio, how it is changing, why and how the changes might help your investing or not.

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

You also receive two special reports.

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

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

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

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

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

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

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

Plus get the $39.95 report “The Platinum Dip 2018” free.

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

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

I have updated this report and added how to use the Dip Strategy with platinum.   The “Platinum Dip 2018” 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 “Platinum Dip 2018” 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 2018 I celebrate my 52nd anniversary in the investing business and 50th 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.

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

stock-Charts

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

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

The chart above shows the war – stock market cycle.  Military struggles (like the Civil War, WWI, WWII and the Cold War: WW III) super charge inventiveness that creates new forms of productivity…the steam engine, the internal combustion engine,  production line processes, jet engines, TV, farming techniques, plastics, telephone, computer and lastly during the Cold War, the internet.  The military technology shifts to domestic use.  A boom is created that leads to excess.  Excess leads to correction. Correction creates an economic downturn and again to war.

Details in the online seminar include:

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

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

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

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

keppler asset management chart

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

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

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

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

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

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

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

Save $468.90 If You Act Now

Subscribe to the first year of The Personal investing Course (Pi).  The annual fee is $299, but to introduce you to this online, course that is based on real time investing, I am knocking $102 off the subscription.  Plus you receive FREE the $29.95 report “Three Currency Patterns for 50% Profits or More”, the $39.95 report “Silver Dip 2017” and our latest $297 online seminar for a total savings of $468.90.

ecuador-seminar

Triple Guarantee

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

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

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

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

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

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

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

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

Gary

Ecuador Living Benefit


Ecuador living offers many benefits, one being that it stimulates the sluggish Ecuadorian economy. However, all of human existence is one of polarity.  Black must have white, positive needs negative and money always brings a rising price.

Ecuador-hotel-staff

Take Eduardo and Consuelo, who work at our Ecuador Hotel El Meson de las Flores. The hotel was in receivership and empty when our foundation Land of the Sun bought it to help stimulate the economy in this part of the Ecuador countryside.  By bringing people we have helped save their jobs.

A reader raised a good question about this though when he wrote:

“Gary, I’ve received your email newsletter for about six months now.  I have been interested in real estate in Ecuador for about a year.  I’ve been to Ecuador twice in the past year, and am going again July 1.  On the one hand I understand your enthusiasm for Ecuador, but on the other I wonder how pushing Ecuador real estate will impact the local population?  Obviously if you are a property holder, it’s a good thing; but if you’re not, but hope to be, outside money could push many locals out of the market.  Is this creating any kind of animosity toward outsiders?  I’d appreciate your insight on this.  I am an economist with a focus on international finance, so I enjoy all aspects of your writings.  Regards.”

This has been a never ending story since the beginning of time..everywhere, neighborhood to neighborhood, city to city, county to county and country to country.

So far the majority of Ecuadorians love us….as much or more as our neighbors here in North Carolina’s Blue Ridge mountains.

Most Ecuadorians cannot afford property because the locals were pushed out of the market by the Spanish about 500 years ago…just as American natives in the US were pushed out by the English, Germans, Irish, Scots, Italians, Chinese and others who arrived here.

Our arrival in Ecuador creates jobs, hope and a chance that many more Ecuadorians will be able to own their own land.

However the problem goes beyond just a few investors arriving from the US, Canada, Span, Italy and many from Colombia and Peru.   This is a time of transition for Ecuador with the final phase of the colonial hierarchal system near its end.  Whether the locals in Ecuador like it or not…just as people in many other countries do not like it, we all live in a global economy.   Many Americans did not like selling so much property to the Japanese in the 1980s.  They will gripe now as Europeans buy big chunks of Florida.  The Floridians will gripe. Yet they will sell, take the money and move to North Carolina…where the North Carolinians will gripe about the inflow of Floridians.

Prices will equalize anywhere there is a distortion, locally…nationally or globally.

Water gushes down. Air rushes into vacuums.  Money flows towards good value.

We see this in the United States with gas prices rising to $4 a gallon.  This is not as bad as in Europe where gas runs $7 or $8 a gallon….but it is still a shock to those of us who can remember…(yes it’s true) gas at 19.9 cents a gallon.

Gas is a global commodity. Americans have to pay the going rate.

Ecuador property is a global commodity…in an ever growing global economy.

I am a full blooded American…born and raised in the USA…as you can get.

Today, I am wearing all American clothes beginning with my American Converse tennis shoes (made in China), my American Wrangler jeans (made in Mexico), my American Fruit of the Loom underwear (made in El Salvador) and my American Van Heusen shirt (made in Bangladesh).  So even if I stayed in America, unless I plan on running around shoeless and naked, I will encroach on people in other countries…pushing up property prices for factories…that create jobs…help feed families…and create pollution. Positive…negative…positive…this never ends.

My first book “Passport to International Profit” was published in the early 1970s and included a chapter on “border blindness.”  This chapter looked at how political borders are illusions that support hidden agendas for the few who encourage them.  Borders  are transcended by almost all human emotions. Get a pretty Italian and handsome Irishman together and they will fall in love. Put a Mexican with a cheaper tomato next to a hungry Canadian and the Canadian will get out his loonies and buy the tomato. Put an Englishman and Frenchman in a sinking ship and they will both bail water.

The market place of humanity tramples borders. The deepest nature of our existence supports free trade and free movement of all to anywhere in the world.

Since that book was written…modern communications and transportation have made all of this even more true.   For example at Cotacachi communications see how broadband has changed the way we can live in Cotacachi.

We are, at the deepest level of our being, all citizens of the world.  It is logical and correct that we trade with those who serve us best…whether they bring products to us (like the tomatoes, shirts, shoes, pants and even underwear) or we go to the product (real estate abroad).

I have found that if one treats people with fairness and respect, these courtesies will be returned.  This was as true when we moved from Florida to Ashe County, North Carolina…where Floridians are called “Floridiots” by many locals…because they pay too much for the land and drive prices beyond the local abilities.

I know we are loved by our friends and staff in Ecuador.   Cotacachi Ecuador Hospitality shows how they treated Merri on Mother’s Day.

We are loved up here in North Carolina as well…not because we are Americans or Floridians or because we are red, white or black, Christians, Muslims or Jews, but because of how we act with our friends, neighbors and business associates.

When you treat people right…you become known as a friend not a nationality.

We are loved because we try to treat people with care, respect and fairness.  We bring in money and bring them work.

Few economies, local or national can isolate themselves from the global economy and enjoy a high material standard of living.

Ask the people of Mynmar if you do not believe this.

What a grand experiment (though I do not see it happening) would be for
mankind to eliminate all borders, customs, immigrations and nationalities for a decade.  My bet is we would never go back.

In Ecuador I do not see a resentment problem…but let’s allow the people of Ecuador have ther say. A leaflet has been posted on buildings and telephone poles all around San Clemente, the small village where Merri and I have bought our beach condos.  This was not put up by us..nor by the developer of the condo where we are buying.  This was written by locals in San Clemente.

I asked John Papski, our man on Ecuador’s beach, to translate it.   Here is what the Ecuadorians are saying about our arrival in their small fishing village with a five star spa hotel and a 61 unit luxury condo development  that will change the village’s life forever.

TRANSLATION

“Ecuador has a population of 13 million (2008 )and 3 million that live abroad (23% ).  Parents have immigrated leaving their children; people left for lack of work, pessimistic views of the future without opportunities, corruption, globalization and neo-liberalist practices have contributed to a disappearance of opportunity for individual, family and social development.

“San Clemente has an approximate population of 4500. There is a need for 600 new jobs per year for the youth but nature and the sea does not allow sufficient funds for welfare, health and studies.

“However, tourism is one of the few chances left for Ecuador and its youth.

“The marvelous beaches of San Clemente attract people that travel many hours, save and borrow money so they and their families can spend on food, lodging, water, beer, sun lotions, repellents, handcrafts and return home broke but content knowing that health, welfare, lust for life, relaxed has prepared them to continue the hard fight in the city.They have integrated with nature with the immense help of the sea and its marvelous sounds and movements, with the wonder of the beach and hills that surround, wonder of tranquil people, amiable and service orientated to all visitors with humanity, smiles,assistance and hospitality.

“Our visitors dream during their happy stay of a swift return to our beach or perhaps remain here forever. The beach tourists do not come to Rocafuerte or Charapoto (nearby towns ). They come to San Clemente.

“Bahia apartment owners come to us because they know our beach is a great treasure with fantastic potential of nature, not enclosed in sad cement but green, blue, orange living nature. Look after nature as we care for ourselves and defend the future of our youth.”

There you have it, a local view of what they think of us.

So far I believe we are more than welcome.  I hope that Merri and I and all we bring along have the wisdom to be with the wonderful people of Ecuador in a way so they are not just happy that we come…but that they also want us to stay.

I invite you to join us in the wonderful adventure and as human beings who are citizens of the world!

Gary

See dates for our other Ecuador courses and tours:

Coastal Real Estate Tour

Pool, tennis court and beach at Palmazul where we stay on our coastal tours.

Ecuador-beach-hotel

Beach at Palmazul.

Ecuador-beach-property

Super Thinking + Spanish Course

Courtyard at Ecuador hotel El Meson de las Flores where we conduct our Spanish Courses, Imbabura Real Estate Tours, Shamanic Mingos and Import Export  tours.

Ecuador-hotel-courtyard

Imbabura Real Estate Tour

Ecuador Shaman Mingo Tour

Ecuador Import Export Course

See discounts for attending more than one course.