Tag Archive | "Dennis Goff"

Cotacachi & Green


One great benefit to living in Cotacachi Ecuador is that no car is required. This a a great benefit for green living.

Cotacachi is colorful beyond green.  This is the mural on the arts center in the middle of Cotacachi.

cotacachi-green

This shot was taken by Dennis Goff and is at his new interactive site for anyone who has been to Cotacachi or wants to find out more about it from other members.

Here is Dennis with us on a trek taking photos.

cotacachi-green

There is more about the new site and more pictures in a moment.  First, a Cotacachi business idea.

Many new residents in Cotacachi have bikes and a desire for cleaner living.

Merri and I love to see this happening. Protecting the environment is of such importance.  This is why we are working with our friend, Mark Owen, to take our North Carolina farm off the grid.

Mark recently wrote this article.

Two Wheels or Four?

By Mark Owen

The ever-strengthening desire for the industrialized nations to reduce their consumption of oil has prompted considerable interest in alternative means of transportation. Today, even the Madison Avenue marketing strategists paint a positive image around vehicles with high gas mileage. We all know that a concept has become mainstream when we see it on expensive television commercials and news segments during prime time. We have seen the Toyota Prius on commercials for a long time. Flex Fuel, Hybrid and All-Electric technologies are currently or soon-to-be available to the general public.  The Big Three American companies, Honda, and Toyota all have an all-electric car in development. BMW put a fleet of 700 hydrogen-powered cars in California last year. On the horizon are hopeful technologies such as chassie-free cars framed with carbon fiber bodies, Lithium-ion batteries for Electric and Hybrid cars, and small hydrogen power plants for the average Joe.

All those technologies are gearing toward making cars that are fundamentally similar to the ones we drive now. Designers and manufacturers have determined that consumer tastes change slowly. And these improvements may suffice, and they may come fast enough to make a significant difference. But there are many of you who are eager to push the envelope, live just beyond the comfort of the mainstream, and ponder the logical extremes of the challenges we face.
I like to venture out there once in a while, out there in those logical extremes. So I purchased an electric bicycle. I have owned it for five weeks now, and I am very pleased. Mind you, I live in Florida where the winters are mild. OK, the winters are better than just mild, they are great. The weather has not yet prevented me from riding whenever or wherever I needed to go. I have fitted my new bike with a child’s bike seat to the delight of my daughter. She and I ride to her school on the smaller neighborhood streets almost each morning now. At a relatively slow eighteen miles per hour and with no car encasing her, she enjoys more of her glorious environment. I have also intrigued many of the other parents that watch us drive up to school.

I also fitted the bicycle with a small canvas trailer. It is intended for transporting children, but I only use it to haul groceries from the store or tools to and fro my jobsites. I am a contractor who works out of a small Toyota truck. I usually go to my jobs in my truck the first day and leave all my heavy tools there. The ensuing days I have the option of commuting to that job on my new bike. Sometimes this works, sometimes it doesn’t, depending on the distance to my jobsite. (It also depends on my mood.)

As you probably guessed, these electric bikes cannot travel far before they run out of steam. They run out of steam even quicker if you are pulling a trailer. Even a ten-pound trailer with skinny bicycle wheels. I learned this on my first commute to work. I got about half way there and the batteries died. I had to pedal the rest of the way there. I also learned that day that I should have brought my charger with me. I made it home for dinner that night, and did not feel the need to go to the gym the next morning, if you get my drift. I won’t soon forget that lesson.

Regarding the range on many of the electric bikes available, most of them can travel up to eighteen miles on a full charge. This varies considerably. The roads in my part of Florida a very flat. So that factor is the same as the “typical” used in most range evaluations. Most electric bicycles are called pedal-assist, so you are supposed to help the motor along by gently pedaling yourself. The weight of the passenger(s) is a factor, as is the weight of any baggage. I also learned that tire inflation and brake adjustment greatly affects range. Under-inflated tires or dragging brake pads will reduce your mileage.

I have found that my commutes to my daughter’s school are a very pleasant six-mile round trip. We can go as fast as she wants, I get a little exercise, and I comfortably make it home to recharge before I turn around to pick her up. Going to my work has proven to be sketchy because I usually drive on busier roads, at higher speeds to keep up with traffic, and the distances have been greater. Splotchy battery performance during my work commutes is what affects my mood some mornings. If I have a lot of work to do that day, I don’t want to also pedal half way home. As a sidebar, a fella gave me two supercharged batteries that he wants me to rig on to my new bike. They will strap into my basket. The electrical connection will be easy enough with a one-dollar connector from AutoZone. These batteries are “glass-mat” type from Harley Davidson motorcycles and have considerably higher amp/hour output than my factory-installed bicycle batteries. If I am crazy enough to do this, my wife or I will report back to you in later issues. That article will be a Must Read.
I will certainly keep riding my electric bike. I like the interest it generates, and the ensuing discussions. I would recommend it, with reservations, to many of you. If you are interested, read on.

I have done lots of research on the various electric bicycles available. Many of them are French or Italian. This concept must be popular across the pond. Most the other bikes (not mine) install their electric motor inside the center of the rear hub. I think this concept will work well in later-generation scooters, but If you run out of battery charge in one of these bicycles, it is very difficult to pedal them the rest of the way home. This arrangement also concerns me because parts for this assembly become very particular, very precise. Improvisation during repairs and maintenance becomes problematic. These European devices, in my experience, seems to be Solid State in that their many curious wires all bundle themselves into the center compartment where there are fuses and too many switches for my comfort. This center compartment contains a motherboard, a very proprietary piece of equipment that could not easily be circumvented. These bicycles are more like a moped than a pedal-assist bicycle. Electric bike technology should not be that sophisticated.

The other main style I saw was a regular bicycle with an electric motor that drives a wheel that you press against the rubber of your front tire for propulsion. This method creates both friction and slippage loss. More importantly, front-wheel-drive in a small car is good; front-wheel-drive on a bicycle is bad. The motion feels un-natural, and the weight of the motor on your front forks is very cumbersome. I felt like I had to constantly worry about endo (end-over-end flipping) or the front wheel slipping out from under me. Besides that, the aesthetics of these vehicles seemed all wrong.

I purchased my bicycle because it was the only one of its kind. It was  second-hand off Craig’s List, and I have no affiliation with the manufacturer. I have looked up their website, though. It is a Synergy Cycle, from Los Angeles, California. I saw yesterday that they reduced their purchase price to only $799.00. This is about half the price of any other electric bike I have seen to date. Their website advertises that a full charge costs between five and 7 cents. I have no reason to doubt this because my bike charges via a small transformer from a regular outlet from empty to full in about 30 minutes. (I will verify electric consumption and report this after I get my new amp-meter for my next birthday.) Either way, this bike has small initial and operational costs. Paltry indeed.

First it is a regular, high-quality, rugged bicycle. It seems they retro-fitted the motor system on after-the-fact. I know, that’s a redundancy, but my old high school English teacher probably won’t see this. And I really want to get this point across. Everything about this bike is as simple as possible. Any bike mechanic can work on most of it. Parts are as easy to find or improvise as any ordinary bike parts.

But then there is the motor/battery system. This stuff is strange to everybody. Who do you get to work on one of these babies? You guessed it…you, yourself, and you. The motor is about as big as a grapefruit, and it is bolted to the right rear main stay. Its got lots of torque and can pull a trailer and me with ease. (Even though extra weight draws more from your batteries.) Its armature runs parallel to the rear hub, about five inches above it. It is connected to the rear hub via a metal link chain and freewheel. This allows the electric motor to operate independent of the manual pedals. The manual pedals can operate independent of the motor, too. One pushes while the other freewheels. Or both can run simultaneous for top speed and longevity.

The motor is wired to the battery pack via two insulated wires that are neatly strapped to the frame. That’s all, just two wires. The battery pack is a plastic case that holds two 12v batteries joined in series to make a 24 volt system. There is a female jack for charging and an on-off switch on the side of this battery pack. The battery pack is removable with one quick-release bolt and one electrical connector. This way you can bring the battery in to your home or office to charge while the bike stays outside. From the battery pack (on the “bike” side of the dis-connector) there runs one cable to a thumb throttle on the handlebars. The throttle is spring tensioned. If your battery pack is switched “on” you may engage and accelerate the motor with a simple push of your thumb. The throttle is spring-tensioned, and its default mode is also “off,” creating a double “off” safety feature. It’s convenient and dummy-proof.

The only wires I don’t like are the two joined at the base of the throttle cable that go to each of the two hand brakes. If you are agile enough to simultaneously push the throttle with your thumb and pull the brakes with your fingers, the action of the brakes will shut down the electric motor. Talk about redundant. I’ve gotta give them credit, though. That is the only fat on the whole machine.

The double kickstand is very stable. It lifts your rear wheel off the ground and allows you to work on rear components while freewheeling, with the bicycle in the upright position. Did I mention the front fork shocks and the double mono-shocks on the main frame? The factory seat is nice enough, but I added a “gel” seat cover I mail ordered off the internet for $15.00. Even at 20mph+ this bike is comfortable and handles nimbly.

As much as I rave about it, though, I am having a hard time convincing my wife about the comfort of my new bike. She compares it to her car, though. And vehicle safety is another issue I concede to her. Like a good mother hen, she asks that I call her the moment my daughter and I arrive at school. And isn’t vehicle safety one of the biggest impediments to mainstreaming small, efficient vehicles? When I saw a new Smart Car pass by me on the interstate, even I think to myself “that does not look safe from here.” It makes me wonder how unsafe my electric bike looks from the vantage of a regular car in traffic.

Even so, my experience with the electric bike has made me ponder concepts such as electric motorcycles that travel at highway speeds. I have already seen children’s electric scooters that hold large batteries under the footrest for a low center of gravity. Could these toys be made a little bigger? Could they accommodate two or three passenger? Is “Two Wheels or Four?” really the only alternative? What about three wheels? I have also pondered safety seats for adults, safety helmets, and 5-point safety harnesses, similar to the features in NASCAR vehicles. I have faith that one of you readers will someday retrofit an electric motor from an industrial fan onto a beefed-up tricycle frame, bolt on a couple of tractor-trailer batteries, and test-drive your prototype at 70 mph. Another one of you might mold a NASCAR seat and a modernistic faring from carbon fiber and add it to the mix. Now that test-drive would be a productive use of the Bonneville Salt Flats.

We are now witnessing the first generation of electric bicycles. They will improve. Maybe this means they will have to look and act more like cars. Some of these bicycles will accommodate themselves to the existing road systems. Some roads throughout the country will be dedicated exclusively for the use of “ultra light” vehicles. Or something far-reaching and un-knowable will happen to this industry. I’m not saying this industry is going to supplant the possible demise of the Big Three, but who knows? Maybe somebody will retrofit one of those French mopeds with solar wings and try to fly it across the English Channel. I will be right there to cheer them on.

We have been looking at business ideas in Cotacachi such as Ecuador export ideas.

Here is a Cotacachi green business idea.  Import or make electric bikes.

For those interested in Cotacachi organic ideas see  Cotacach Organic Gardens here.

cotacachi-green

Entrance to Meson de las Flores.

This photo is another at Dennis Goff’s new site. Here are some more shots.

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Gary Scott and immigration attorney, Roberto Moreno, at Meson.

Dennis is a professional photgrapher who spends winters in Cotacachi and saw there is an an ever increasing number of readers at our site who want to connect with people who have “lived the experience” in Cotacachi.
cotacachi-green

Ecuador roses at Meson.

Dennis thought it would be fun… and informative to start a light site.

cotacachi-green

Start of a parade. Wouldn’t electric bikes be better?

Anyone can join and contribute to the network.  Dennis will monitor content to keep it appropriate.   The intent is to keep it light hearted and fun and a great place for like minded people who enjoy Cotacachi.

Ecuador-tours

Tour delgates at Meson.

You can visit Dennis’s site here.

Until next message, may your world be beautiful and green.

Gary

Learn  more about Cotacachi business ideas at our July 4-8 Ecuador Import Export Expedition

Enjoy savings by attending our real estate tours at the same time.

July 4-8 Ecuador Import Export Expedition
July 8-9 Imbabura Real Estate Tour
July 10-13 Ecuador Coastal Real Estate Tour

We provide discounts for delegates who attend two or three courses and tours in a month.

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

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

Plus during the month of April, (this offer expires April 30) enjoy  our extra 2-4-1 savings.

Because Merri and I will not be conducting the July tours, our 2-4-1 offer lets you attend the July 2009  Ecuador export tour free if you enroll in one of our three International Tangled Web Business & Investing Made EZ courses, in July, October or November that we will conduct.

You get two courses for the price of one.  Enroll in any of these courses that Merri and I will conduct below and choose any one of the three July tours free.

July 24-26 IBEZ North Carolina + Tangled Web

Oct. 9-11 IBEZ North Carolina + Tangled Web

Nov. 6-8  IBEZ Cotacachi + Tangled Web

There is no need to  hurry either. If you are not sure about attending two tours,  sign up and attend the July export tour now… then we’ll knock the tour fee off our International Tangled Web Business & Investing Made EZ courses, in July, October or November fee later.

You can also still take advantage of the two or three course discount as well.

For example, if you choose to attend all three of the July Ecuador tours… both real estate and export tours, then you can have the two or three courses discount and still attend a July, October or November International Tangled Web Business & Investing Made EZ course free.

The 2-4-1 offer expires April 30 2009.

We hope to meet you in North Carolina or Ecuador.

Gary


Cotacachi Organic Cleaner


Cotacachi Organic Cleaner

We take organic cleaner to our Cotacachi hotel every time we visit because Our staff work to keep our hotel Meson de las Flores spick & span.

Cotacachi Organic Cleaner

This is one reason why the 180 year old colonial building looks so great.

Merri and I also give credit to the entire staff.  Most have worked here for decades and they love the hotel. They honor its history and work hard to keep it looking first class.  Especially our maids, Rosita De las Torres and ….

Cotacachi-Organic-Cleaner

Rosita Molena

Cotacachi-Organic-Cleaner

not only clean, but put great love, care and attention into making Meson look like a home that our guests will return to again and again.

We do all we can to help Cotacachi be organic because organic cleaners are important to the environment and our bodies.

The cleaner I use on myself, in our house, pur garden and take to our Cotacachi hotel… I call Ted’s Stuff.

Since we are lured into having many poisons in our homes and establishments, I look at everything.   I am always suspicious of cleaners..

For example, “Softsoap Antibacterial Soap” a brand of liquid hand soap manufactured by Colgate Palmolive. Check the label of this soap and you will read the words. “Proven to eliminate the dirt and germs your family encounters. Contains light moisturizer to leave your hands feeling soft. GENTLE ENOUGH FOR THE WHOLE FAMILY. As with any soap avoid contact with eyes.”

What does this really mean. How can we find out what this stuff is really like?

There is a way.

Every product shipped in the USA has to have an OSHA regulated form called a “Materials Safety Data Sheet”. This form is meant to protect workers shipping and handling products. You can find the real story behind a products toxicity by looking up the “MSDS.”    Take for example the Softsoap MSDS.

Get ready to cringe. The “MSDS” on this chemical based formula that is “gentle enough for the whole family” states under the general controls section “Avoid contact with skin and eyes.” It warns workers to wear rubber gloves while using this and such. How this warning is mysteriously converted into gentleness on the store shelves is beyond me, but you can see the “MSDS” for yourself.

Though it is doubtful that Softsoap alone will be really harmful to our health, we must wonder how many other things that are pushed on us as safe and gentle when they really are not. How many of these light toxins does our body have to deal with every day? How many of our allergies, diseases and imbalances are created by this continual bombardment of chemicals that do not kill, but each take their little tolls.

We have all heard of “death by a thousand cuts”.   Is our society suffering “sickness by a thousand minimal exposures”?

Merri and I have been away from the farm, its pure spring water and the fresh clean air and we feel the difference.

We must all be aware of our surroundings and take care. There is a saying that “Man can accomplish the impossible, but cannot overcome the inconvenient”. We have walked the moon and sent humanity’s imprint to Mars and beyond. Yet we cannot overcome the multitude of tiny toxicities that bombard us each and every day. This a true challenge. Everywhere we are, everywhere we go, poisons have been made easy to consume.

This is why I sent the reply below to a reader who wrote:

“Gary, organic biodegradable cleaner is nothing new…Watkins has been selling for years. You should be above shilling for these types! Anyone on the Internet can go to Google and debunk the hustlers…”

I agree with this reader that there are many scams in the name of organic, pure, all natural, and such stuff. In fact this why I have been recommending Ted’s stuff and my reply to this reader says it all.

“Ted’s Stuff is a product I have been using myself for many years and the difference is that it works so well. I feel it an obligation to let people know about the enormous danger that we all face and how our environment is being damaged.

Merri and I both feel that perhaps just to stop pollution at the lowest level may help people gain added years and added vitality to their lives.

Here are some shots that our friend Dennis Goff took on our visit to the farm community that our foundation is helping and of our group visiting the Cotacachi organic gardens.

Cotacachi-organic

Learn more at Cotacachi Organic Farming Opportunity

Cotacachi-organic

and

Cotacachi-organic

Ecuador Organic Gardens.

Cotacachi-organic

and

Cotacachi-organic

Cotacachi Garden.

Cotacachi-organic

and

Cotacachi-organic

We had numerous inquiries about distributing organic bio washes in Ecuador and have just sent a new presentation on this to our Ecuador Living subscribers.

Learn how to subscribe here.

Until next message may your health be really good.

Gary

Join us in Ecuador at a 2009 course or tour.

Ecuador Coastal Real Estate Tour May 16-17. $499 Enroll here.   $749 For a couple.

Delegates stay on this beach that Dennis Goff shot on our last Ecuador coastal real estate tour.

ecuador-canadian-connection

Imbabura-Cotacachi Real Estate Tour May 20-21.  $499 Enroll here.  $749 For a couple.

Ecuador Amazon Herbal Tour May 22-24.  $399 Enroll here. $499 For a couple.

Take Two for One. Attend any of the three international business & investing courses below and select any one of the tours above free.

July 24-26 IBEZ North Carolina + Tangled Web

Oct. 9-11 IBEZ North Carolina + Tangled Web

Nov. 6-8  IBEZ Cotacachi + Tangled Web

Sign up for our three May 2009 tours and attend any of the IBEZ Cotacachi + Tangled Web seminar above FREE.

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

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

Learn about our July 2009 Ecuador export tour 2-4-1 deal here.

See our full 2009 schedule here.

May 29-31  JGAM Multi Currency investment Seminar Naples Florida

June 12-14 Shamanic Mingo Tour
June 16-17 Imbabura Real Estate Tour
June 18-21 Ecuador Coastal Real Estate Tour

July 3-6 Ecuador Import Export Expedition
July 8-9 Imbabura Real Estate Tour
July 10-13 Ecuador Coastal Real Estate Tour

July 24-26 IBEZ North Carolina

Sept. 17-21 Ecuador Spanish Course
Sept. 23-24 Imbabura Real Estate Tour
Sept. 25-28 Ecuador Coastal Real Estate Tour

Oct. 9-11 IBEZ North Carolina

Oct. 21-24 Ecuador Import Export Expedition

Nov. 6-8 IBEZ Ecuador
Nov. 9-10 Imbabura Real Estate Tour
Nov. 11-14 Ecuador Coastal Real Estate Tour

Ecuador Comparisons & Weather-Weathering Weather


We are on the road making Ecuador comparisons, weathering the weather and wishing for Ecuador weather.

In other words Merri and I have extended our Florida meanderings so we do not arrive back at our North Carolina farm in a snow storm.

We have been looking at Ecuador income potential and so let’s view this hotel for sale on Ecuador’s beach.

ecuador-comparisons

Ecuador weather looked pretty grey on the day I took these shots… but we never have to worry about snow!

Readers  often write asking about the weather in the Andes. If you look up Quito weather for example it says “Rain” almost every day.  This is a puzzle as it is not true. Here is a great history of Quito weather from the Washington Post at http://www.washingtonpost.com/wp-srv/weather/longterm/historical/data/quito_ecuador.htm.

Here are the average temps.

ecuador-comparisons

The highs and lows.

ecuador-comparisons

The rain.

ecuador-comparisons

We have been traveling though Florida getting a feel… wondering what has led us here.  Innocently wandering around… looking… checking…. waiting.

Of course the weather is great… though a bit sticky at times…. plus too dry right now. This is Florida’s third worst drought in history.

We can’t help but make comparisons with Ecuador.

Three things I noticed in the last two nights spent at Holiday Inns were:

First, when hotels here quote room rates…. they do not let you know of the tax.

In Ecuador we always provide this warning so guests know what the entire cost will be.

Secondly, hotels do not seem to have noticed the economic downturn.   Prices seem pretty high $119 for a Holiday Inn express and $129 for a Holiday Inn… plus the unmentioned taxes… for the typical box.This is double what our hotel costs at $59 (plus 22% tax).

Third, comes the free breakfast… overcooked buffets… terrible bakery pastries and everything served on foam plates and cups… with plastic knives and forks… without much (or really any service)… including the “wonderful” Smuckers jam.

I think of our hotel’s great cooked when you arrive, full breakfast… juice….fresh fruit made into an art form… hand made butter and hand made marmalade… plus choice of eggs in numerous ways… bacon or ham.  Though I have to be honest, I do not like the bread our hotel serves… next thing on my list to fix.

This is not a complaint… just a comparison.  Remember we are looking to buy in Florida because we also love it here.

Merri and  are having a great time. We are enjoying Florida’s warmth… seeing a lot of territory… ranging from Naples to Lakeland… Winter Haven… up to Clermont…. Mt Dora…  Tavares… Leesburg… Deland…  St Augustine… Palakta… Zeypher Hills plus some really out of the way (our favorite) places like Ridge Manor…  Crows Bluff…  Lady Lake… Fruitland Park.

This note is written from outside of Gainesville and today we inspect the Suwanee River.

The best place we have seen so far was remote… on the Withlacoochee River. We would have purchased this on the spot… except… it should be renamed…  Withlacoochee  Puddle!   We were very sad to see numerous lakes and rivers that are pretty much gone… during the terrible drought we are seeing here.

Multi Currency Thought

This reminds me of an important multi currency fact. The global economic downturn has driven the price of many shares down.. but has not stopped basic essential needs… like our need for water.

Shares of companies denominated in strong currencies that provide excellent needs can offer special value.

Take the water share we have followed for years… Hyflux.

Hyflux Ltd is company listed on the Singapore Stock Exchange that has a proprietary water filtering system that does business  in China, India, the Middle East and North Africa (MENA) region as well as Singapore and Southeast Asia.

These shares have fallen from a high of $4.88 to $1.72 as you can see in the chart below from uk.finance.yahoo.com

Ecuador comparisons

I’ll be sending a full report on the Hyflux shares to my Multi Currency subscribers shortly. You can enroll and study this report here.

Back to the Ecuador beach hotel for sale.

ecuador-comparisons

The owners is asking $600,000 and claims income of $180,000 a year with a net profit of $50,000.  If these figures are accurate… this is not a bad value spot to start negotiations.  Here is the beach nearby…

ecuador-comparisons

the ocean side pool…

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the area where the hotel is located. ecuador-comparisons

Though this day was grey… there is a reward that comes with the clouds. The moisture creates some spectacular sunsets… like this one shot a bit north of this hotel at Palmazul.

ecuador-comparisons

We viewed this hotel on a recent real estate tour and I am sending a full report to my Ecuador Living subscribers next week.   If you are not a subscriber and would like this report, you can learn how to subscribe to Ecuador Living here.

There are legal, asset protection and tax benefits that an overseas business can bring, but be sure to always have an attorney who is experienced in using overseas structures. The laws are complicated.  For specific information about using overseas structures correctly, you can learn more about Joe Cox here.  Contact  Joe Cox at jcox@coxnici.com

Regards,

Gary

Join us in Ecuador.

Delegates stay on this beach on our Ecuador mid coastal real estate tour.

ecuador-canadian-connection

Join our January Ecuador tours.

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

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.

We just added four South coast Ecuador tours that can help you gain extra savings with a multi tour 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

If you plan to attend six or more seminars or tours in 2010 an 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) for only $2,999.

The International club fee rises to $3,500 this month  so 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

Ecuador Banking and Business


Recent messages have looked at Ecuador banking and business.

The global economy is going through a paradigm shift.  This creates great opportunity, but also means we all have to embrace change. We need to realize that many will gain a lot in this change… but also some will lose.

Here is an Ecuador income opportunity, a…

ecuador-banking-business

hotel for sale in Otavalo.  Otavalo Market is one of the largest tourist attractions in Ecuador. More below.

There are four places where we are most likely to profit… real estate… commodities… stocks and our own small business… always keeping in mind… value..diversification… service and fulfillment.

Our messages of the last week have featured income earning ideas.

We have looked at:

Ecuador Export Ideas.

Plus how to earn with:

Ecuador flowers Ecuador Flower Income.

US franchises and bed & breakfast at Ecuador & Business Curves.

Ecuador farming at Ecuador Canadian Connection.

Organic Animal Wash.

Ecuador Organic Farming.

The Ali Shungu hotel has been for sale for some time… but we felt the price was  too high…  even though this is an excellent facility with wonderful grounds.

ecuador-banking-business

There is great profit potential with overseas businesses plus there is also enormous tax benefits with an Ecuador or overseas business.

Ali Shungu’s owners wanted a million dollars. “too much”, we thought, “even though it has this full restaurant”.

ecuador-banking-business

There are also enormous legal, asset protection and tax benefits that an overseas business can bring. The most effective structure from a tax deferral point of view is a non U.S. structure (corporation, LLC, limited partnership or trust) that operates entirely outside the U.S. and that is owned 50% or more by a non U.S. person.

Then the owners dropped their asking price to $750,000.  “Getting closer”, was out thinking… but not quite low enough despite this wonderful patio.

ecuador-banking-business

Using an overseas structure, a corporation owned at least half by non U.S. citizens or residents, has helped me expand our hotel business.

Some business owners do not want to have someone else own half their business. If this is the case, I recommend that you donate half the business to some U.S. charities. Pay them some dividends as your profit and treat them well. This can help your business be more fulfilling as well as profitable.

This message shows another Ecuador income producing opportunity, this Hotel Ali Shungu, for sale in Otavalo.

The rooms are adequate.

ecuador-banking-business

plus

ecuador-banking-business

There are three huge condos above the hotel. Here is Merri and one of our delegates on a recent Ecuador real estate tour examining one of the condos.

ecuador-banking-business

Then recently the owners offered us a $150,000 commission to sell the hotel. We are not brokers and do not take commission so our reply was “cut the price for our readers”!  This would place the price at $600,000… an interesting value.

We viewed this hotel on a recent real estate tour and I am sending a full report to my Ecuador Living subscribers next week.   If you are not a subscriber and would like this report, you can learn how to subscribe to Ecuador Living here.

One important point about using overseas structures and banks.  We have warned readers for more than 20 years to be sure to always have an attorney experienced in using overseas structures. The law is complicated.

See one warning written a decade ago at More on the loss of bank privacy

For specific information about using overseas structures correctly, you can contact Joe Cox at jcox@coxnici.com

Joe has been my friend and attorney for more years than I care to remember.  He specializes in estate planning, insurance, trusts and taxation. He received a Juris Doctorate from the University of Tulsa School of Law, and a Master of Laws in Estate Planning from the University of Miami, School of Law. Joe is Board Certified in Estate Planning and Administration and in Taxation by the Florida Bar.

In addition to the Board Certifications, Joe is a Fellow in the American College of Trust and Estate Counsel. He is a member of the American and Florida Bar Associations, and is admitted to the Federal Appellate Courts and the United States Tax Court. Joe is a frequent speaker on tax planning topics such as income taxes, insurance trusts, irrevocable trusts and offshore asset protection trusts. He has also written articles and books concerning income tax and irrevocable trusts.

Joe is listed in Who’s Who in America and Who ’s Who in American Law. Chosen by Florida Trend Magazine as one of the top 1.6% of lawyers in Florida and one of the top 34 Wills, Trusts, & Estate Planning lawyers. Chosen by Worth Magazine to be one of the top 100 attorneys in the Nation.

Among his community commitments, Joe has served many organizations in a leadership position. These include: Naples Community Hospital, Community Foundation of Collier County, YMCA of Collier County, Community School of Naples, Alzheimer’s Association, Forum Club, Senior Friendship Centers, Inc. He was named the Child Advocate of the Year.

Joe will speak at the upcoming JGAM Multi Currency Investment Seminar May 29-31 2009.

Joe wrote several chapters on how to use overseas structures for our course on international business that is included with emailed course n how to develop a web based business. See more here.

Regards,

Gary

Join us in Ecuador.

Ecuador Coastal Real Estate Tour May 16-17. $499 Enroll here.   $749 For a couple.

Delegates stay on this beach that Dennis Goff shot on our last Ecuador coastal real estate tour.

ecuador-canadian-connection

Imbabura-Cotacachi Real Estate Tour May 20-21.  $499 Enroll here.  $749 For a couple.

Ecuador Amazon Herbal Tour May 22-24.  $399 Enroll here. $499 For a couple.

Take Two for One. Attend any of the three international business & investing courses below and select any one of the tours above free.

July 24-26 IBEZ North Carolina + Tangled Web

Oct. 9-11 IBEZ North Carolina + Tangled Web

Nov. 6-8  IBEZ Cotacachi + Tangled Web

Sign up for our three May 2009 tours and attend any of the IBEZ Cotacachi + Tangled Web seminar above FREE.

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

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

Learn about our July 2009 Ecuador export tour 2-4-1 deal here.

See our full 2009 schedule here.

Ecuador’s Energy


Ecuador’s energy is important because investing, business and health ideas are everywhere when you give yourself a chance to stop and listen.

This is one reason Merri and I live in nature at our North Carolina farm and live in a quiet Andean village here in Ecuador.

This is why we take delegates to quiet places on our Ecuador tours.  Here for example is a shot that our friend Dennis Goff took during lunch on our latest Ecuador real estate tour…. Lake Quicocha.

ecuador-energy A property, by the way, right next door is for sale. I do not have a picture of that house.

The tour also looked at another house (shown below) for sale in Cotacachi. this was  popular on the tour…because

ecuador-energy

it is in a quiet place and it has a quiet garden directly below the house.

ecuador-energy

Here are Ecuador real estate tour delegates checking the house.

ecuador-energy

We are energy and we are surrounded by energy that affects our thinking, our health and our health.  Energy is frequency and Ecuador’s shaman’s practice frequency medicine.

Delegates at our import export course visited a shamana yesterday to learn more about energy.  Here is a shot from the shamans place… more on this comes in a later message.

ecuador-energy

This is why we do not have a TV… to eliminate the noise… so we can listen…. so we can get in tune with nature’s frequency.

This is why we have scientists who are experts on frequency, like Bob Shane, come during our courses.   He has been busy consulting delegates every single day.  Learn more about Bob’s work here.

This is also why we  developed a quiet seminar center at our  North Carolina farm.  Here is a shot of our seminar center on the farm.

ecuador-energy

The deck extends into the woods.

ecuador-energy

With this view below.

ecuador-energy

We gain a lot of great multi currency, investing, business and health information from the energy of Ecuador, North Carolina and all places quiet.

We continually have really wonderful people come to our centers to share valuable ideas on frequency and energy.

One wise man who spoke at our farm is Raymon Grace.  He had an interesting group there. I was impressed with what he shared and as a consequence Raymon sends me an email once in awhile.

Recently he shared this note about energy

Howdy Friends,  Many of you have written because of your concerns about the economy and world conditions in general. Well, I’m the wrong person to ask about things like that as I have little knowledge of world economics.

However, I may have a bit of experience with changing energy.

As most of you know, our work is based on a few simple principles.

All things are composed of energy and the intelligent mind can direct energy

Energy is impressed upon matter

Energy follows thought

If we think of a past event that causes us to become angry, we are likely to create a feeling of anger.

If we think of a past event that was fearful, we will create fear.

If we think of a past event that was funny, we will laugh.

Ok, so what happens when we regularly read papers and magazines telling us how bad things are? TV news makes a stronger impression on our mind.

When we buy into the opinions and commentaries of those in the news media, we are letting them tell us what to think. It seems that many people have either forgotten how to think or perhaps they never learned, so they let someone else do their thinking for them. We are affected by what we hear, see and experience, whether we like it or not.

So how do we stop being influenced by the bad news?

Here is how I do it.—– Don’t listen to it.

On most any situation I ask, “Will my life be better or worse because of this?”

This is why I am pleased that Jyske Global Asset Management chose a quiet time of the year to have a multi currency investment seminar in Naples Florida.

Merri and I lived in Naples opver 20 years. The shot below was taken just a block from our house and we know that May and October are the quiet months with the best weather.

Ecuador-energy

This investment seinar will have numerous speakers with enormous knowledge about world economics… such as Thomas Fischer… John Mauldin… Micheal Checkan ad the other multi currency exports who will join me for Jyske Global Asset Management’s  Multi Currency Florida Investment Course

One idea we’ll look at during this multi currency course is how to select safe currencies that offer maximum return and have potential for gains against the US dollar.

Until next message, good global investing!

Gary

Join us at a course our tour in 2009 in Ecuador, North Carolina or Florida. Here is our future 2009 courses

May 29-31  JGAM Multi Currency investment Seminar Naples Florida

June 12-14 Shamanic Mingo Tour
June 16-17 Imbabura Real Estate Tour
June 18-21 Ecuador Coastal Real Estate Tour

July 3-6 Ecuador Import Export Expedition
July 8-9 Imbabura Real Estate Tour
July 10-13 Ecuador Coastal Real Estate Tour

July 24-26 IBEZ North Carolina

Sept. 17-21 Ecuador Spanish Course
Sept. 23-24 Imbabura Real Estate Tour
Sept. 25-28 Ecuador Coastal Real Estate Tour

Oct. 9-11 IBEZ North Carolina

Oct. 21-24 Ecuador Import Export Expedition

Nov. 6-8 IBEZ Ecuador
Nov. 9-10 Imbabura Real Estate Tour
Nov. 11-14 Ecuador Coastal Real Estate Tour

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

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

Merri, our webmaster and I have created a new course on how to build a web business with a webmaster.  Here is a special offer on this new course.

You can enroll in this special course for $299. However if you sign up for three courses in any one month.

Power Distance Index Profits


Power can bring profits in many ways… the first via the Power Distance Index.

I recently wrote in Ecuador shamans and truth how Merri and I have been drawn more and more back to the USA.   We have enjoyed phenomenal success in Ecuador but we are pioneers… Our investments and business are early in and early out. Ecuador is now really well on its way and for us this is not so fun.

We’ll look at how the Power Distance Index makes Ecuador living better.  First more on PDI.

We’ll still enjoy time in Cotacachi and on the Pacific, but we are arranging for others to take over the day to day so we can  head off on a new adventure.

Part of our next horizon is to make our North Carolina farm much more self sustainable and to share what we learn in the process.

Thinking about this leads me to share some other thoughts on power and the Power Distance Index.

One powerful investing and business idea is to invest in countries with a low Power Distance Index (PDI).

Malcom Gladwell explains this in his newest book “Outliers” a book about what makes  success.

One part of the book looks at the importance of the Power Distance Index in each nation.  This is vital information because it explains how countries differ in their approach to dealing with risk and uncertainty.  The ability to handle risk and uncertainty  in changing times is vital.

Here is how the website www.kwintessential.co.uk describes PDI.

The Power Distance Index (PDI) is one of the five intercultural dimensions developed by Hofstede. In short this cultural dimension looks at how much a culture does or does not value hierarchical relationships and respect for authority.

Examples of cultures with high PDI scores include Arabic speaking countries, Russia, India and China. Those with low scores include Japan, Australia and Canada. See a world map of power distance index scores.

So how does this manifest in a culture or country?

In a high power distance cultures the following may be observed:

. Those in authority openly demonstrate their rank.
. Subordinates are not given important work and expect clear guidance from above.
. Subordinates are expected to take the blame for things going wrong.
. The relationship between boss and subordinate is rarely close/personal.
. Politics is prone to totalitarianism.
. Class divisions within society are accepted.

In a low power distance culture:

. Superiors treat subordinates with respect and do not pull rank.
. Subordinates are entrusted with important assignments.
. Blame is either shared or very often accepted by the superior due to it being their responsibility to manage.
. Managers may often socialize with subordinates.
. Liberal democracies are the norm.
. Societies lean more towards egalitarianism.

The Power Distance Index is a measure of the attitude toward hierarchy.  In short the PDI shows how much people overall, in a country, respect authority.

This index is really important in this rapid changing world because authority almost always lags behind reality.  Authority resists required change to adapt in altering conditions.  Countries with a high PDI suffer from change.

For example the US has a low PDI. Russia has a very high PDI.  Thus during the changing 1980s the Soviet Union disintegrated while the US rebounded and thrived.  PDI differences were not the only reasons for this but when a nation’s leadership cannot communicate with its people…  it cannot sense reality as times shift.

On the subject of the 1980s. Many readers are worried about the current economic downturn.  Current conditions are not as poor as during the twin recessions of the 1980s, when unemployment exceeded 10 percent.  This downturn is on track to be worse… but not yet.

Gladwell writes in “Outliers::  In low power index countries, power is something is something in which power holders are almost ashamed and will try to underplay.  In Austria (a low PDI country)  Prime Minister Bruno Kreiskt was known to sometimes take a streetcar to work.

Here are six countries with high PDIs:
Brazil
South Korea
Russia
Mexico
Philippines
Uruguay

Six Countries with low PDIs:
Austria
Denmark
United States
Ireland
Australia
New Zealand

A low PDI can help a country adapt faster and better to change, so look for investments in countries with low PDIs. 

This message is an excerpt from our latest multi currency lesson.  You can read what to do now as a multi currency subscriber. Learn how to subscribe here.

However countries with high PDIs are often better for living.

I was thinking about this one recent morning while visiting Quito.  This is one of the world’s beautiful cities so I rose to watch the dawn.  The day broke in glorious rose patina.

power-distance-index

Like the days ahead…  the view was obscured until the light began…

power-distance-index

to reveal Quito’s beauty.

Ecuador’s Power Distance Index in Ecuador is a bit high. This does not stop a great city from growing. I loked out and saw that there was plenty here.  Riches enough.  All the …

power-distance-index

creature comforts…

power-distance-index

glowing in the daybreak.  Every material thing a person could want…

power-distance-index

As the light spread, i dressed and rode up to the hotel restaurant.

power-distance-index

I’ll looked out at Quito again in the light of day.

power-distance-index

There is amazing wealth here. The hotel restaurant is opulent.

power-distance-index

With amazing views around the city.  yet the prices here are low in part because…

power-distance-index

poor government is created with the help of a high Power distance Index. This  keeps most of the people in Ecuador poor.  This means that we can help bring and spending our money here.   This who do, help Ecuador’s poor and are rewarded with good living at a low price.

This reinforces what I wrote in “Multi Currency Bank Safety

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

On the subject of banking abroad Denmark has the second lowest PDI in the world (Austria is number one) so it is not surprising that for the last 20 years my major bankers have been in Copenhagen and Vienna.  I like the autonomy that investment advisers have in low PDI countries.

This is in my estimation one reason why Jyske Bank (Denmark’s second largest bank) was not caught in the sub prime or Madoff scandals.

Bank’s in countries with a low PDI are more likely to use the wisdom of their entire organization to head off trouble at the pass.

Organizations have enormous wisdom.

The book, “The Wisdom of Crowds, Why the Many are Smarter than the Few and How Collective Wisdom Shapes Business, Economies and Societies and Nations” by James Surowiecki tells how potent the wisdom of a group can be.

The book begins by telling how at the annual West of England Fat Stock and Poultry Exhibition in the fall of 1906, a British scientist became interested in a weight judging competition. 800 people, smart, dumb, old, young in all types of professions guessed the weight of two dressed oxen. The correct answer was 1,197 pounds. The scientist’s research found that the collective estimate was incredibly close, 1,198 pounds.

The book suggests that there is an uncanny and generally unconscious collective intelligence at work. The book shows how clouds of birds seem to move in one mind but actually are each acting on their own following four simple rules:

#1) Stay as close to the center as possible.

#2) Stay two body lengths away from your neighbor.

#3) Do not bump into another bird.

#4) If a predator dives at you get out of the way.

The book suggests that rather than crowds being mindless mobs that the many are weirdly smart and effective even when many of the group are average or below in intelligence or experience.

A key point that the article makes is that there is incredible effectiveness in a diversity of individual intelligences and this is why we are sharing ideas about trends at this site. There are thousands of us reading these messages so perhaps our problem solving ability grows to the 4000th power.

However if a high PDI disconnects its leaders from this wisdom… the organization’s wisdom is wasted.

Bank safety is vital now and PDI can count. Here is a wonderful shot taken by our friend Dennis Goff.  Placid… yet most travel accidents… in air and by oat are caused by a high PDI. The Captain does not listen to his crew!

When you travel… wen you bank… when you invest look for low PDI!

High Energy Sunrise

This is why you may want to join me with the staff of Jyske Global Asset Management in Naples Florida to learn more about where in the world to invest now.  Learn how to attend this course free and save $499 to $750.

Until next message good global investing!

Gary

One of the best ways to prosper in this downturn is with your own internet business. You can enroll in our email internet course here for $299. However if you sign up for all three courses in June or later in 2009, I’ll send it free. You save $299. Learn more here

Get our web based course FREE if you join us in Ecuador. Learn more here.

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

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

Future 2009 courses

May 29-31  JGAM Florida Investment Course

June 12-14 Shamanic Mingo Tour
June 16-17 Imbabura Real Estate Tour
June 18-21 Ecuador Coastal Real Estate Tour

July 3-6 Ecuador Import Export Expedition
July 8-9 Imbabura Real Estate Tour
July 10-13 Ecuador Coastal Real Estate Tour

July 24-26 IBEZ North Carolina

Sept. 17-21 Ecuador Spanish Course
Sept. 23-24 Imbabura Real Estate Tour
Sept. 25-28 Ecuador Coastal Real Estate Tour

Oct. 9-11 IBEZ North Carolina

Oct. 21-24 Ecuador Import Export Expedition

Nov. 6-8 IBEZ Ecuador
Nov. 9-10 Imbabura Real Estate Tour
Nov. 11-14 Ecuador Coastal Real Estate Tour

Ecuador-Shaman-Mingos


Ecuador-shaman-mingos are great healers…and colorful as well.

Here is a shot taken by our friend Dennis Goff, a professional photographer.

ecaudor-shaman-mingo

He took an entire series of photos at one of our  recent Ecuador-shaman mingos.

See them at Ecuador-shaman mingos.

Learn about our two  upcoming Ecuador-shaman-mingo tours at

Feb. 9-11 Beyond Logic – Ecuador-Shaman Mingo

June 12-15 Ecuador-Shaman-Mingo

Ecuador Travel News


Ecuador travel news just became better for our Ecuador Living subscribers in two ways.

Ecuador airfares are not high in the first place. For example, the fare for the three hour 45 minute flight from Miami to Quito Ecuador for our November International Business Made EZ course on November 4, 2008 is only $486 on Lan Airlines. This is a reduction from a year ago when fares for the same flight were $565.

Yet Ecuador travel may become even less expensive. Miami Ecuador fares are likely to fall because Aerogal is about to fly from Miami to Quito.

Aerogal is an Ecuador airline based in Quito, Ecuador. Originally it flew passenger and cargo flights between mainland Ecuador and the Galápagos Islands, but has expanded dramatically over the years.

Aerogal now flies from Guayquil and Quito to Manta and Cuenca (as well as the Galapagos) plus Colombia.

Last December Aerogal began a nonstop service from Guayaquil to Miami but then suspended this service just six weeks later because of low passenger loads.

Now Aerogal has new Boeing 757-200 airplanes that will allow the restart of the Miami service. The Aerogal Miami-Quito flights begin again December 7, 2008.

Last December when Aerogal started this service, a fare war began. American Airlines dramatically dropped its fares. Watch for them to do this again!

Aerogal has a young, dynamic President, Gabriela Sommerfeld, who has been working to increase the domestic routes as well as launch international flights to New York and Miami. This fact creates the second bit of good Ecuador travel news.

Gabriela Sommerfeld

The second bit of good Ecuador travel news is better schedules and lower fares from Quito to Manta.

Palmazul, the hotel where we have our condos on the beach has entered into a program with Aerogal so that they can issue coupons in packs of 16 at a special price. The normal fare is $140 round trip but the coupon brings the price down. Because so many subscribers travel to Manta we are buying these coupons so we can pass the savings along to our subscribers.

If you subscribe to Ecuador Living you can get your fare reduced from $140 to $115. As an Ecuador Living subscriber you save $25 per round trip flight.

Even better Aerogal has a new better itinerary from Quito to Manta.

MONDAY TO FRIDAY
QUITO – MANTA-MANTA- QUITO
07:15 08:15
12:55 14:00
18:20 19:20

SATURDAYS
07:40 08:40
12:55 14:00

SUNDAYS
07:40 08:40
19:15 20:15

Aerogal has new, better airplanes plus the better itinerary.

Airlines that fly into Quito from the US include:

Aerogal

Avianca

American

Copa

Continental

Delta

LanEcuador

Taca

On the subject of Mariscal Sucre airport, this is one of the nicest emerging market airports Merri and I have ever used. Clean carpeted jetports take you to a shiny marble clad, rose decorated immigration area where the officers politely and efficiently welcome you to Ecuador . Baggage arrives promptly and customs rarely looks at your baggage. We are often from the deplane to our waiting van in less than 30 minutes. The entire process is quiet, well organized and the baggage handlers treat us well.

The new nearly 4,000 acre airport we expect to be even better. Because it is about 45 minutes closer to Cotacachi, this adds some great opportunity for real estate in our area now. We look at this in our real estate tour. See below.

The new airport scheduled to open in 2010 is about 15 miles west of Quito and that much closer (about an hour of travel saved) to our province. This airport will sit at about 7,500 feet altitude compared to Quito ’s 9,500. This lower altitude and elimination of noise reduction procedures (due to being away from town) means larger loads can arrive and take off.

The Manta airport also creates some special real estate opportunity as well. See why here.

Since our Ecuador Living service includes a free night stay at our hotel El Meson de las Flores the first time you stay three nights (a $72 value) and at Palmazul on the beach (a $139 value), you more than save the price of subscription with just the air fare and hotels savings.

Learn about many other benefits you gain as a subscriber at Ecuador Living.

Until next message, may you find good fares wherever you go.

Gary

Join Merri, me and Jyske Global Asset Management at one of our courses. We review economic conditions, Ecuador real estate, my entire portfolio plus investing and business ideas for the months ahead.

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

Enjoy the beauty of the Andean countryside.

Visit the wonderful crafts markets and save on your Christmas shopping.

See beautiful property in our area for sale.

Plus we’ll see homes at San Miguel and Prima Vera II.

cotacachi-ecuador-san-miguel

Primavera II $46,000 condos.

multi-currency-Ecuador-condos

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

Then travel to the coast and enjoy this Pacific surf that in November is warm!

Enjoy Ecuador ’s empty beaches.

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

See discounts for two or more of these courses and tours

Multi Currency Bank Safety


Multi currency bank safety has become a big concern in these troubled times. Trust has been eradicated from the system which leaves investors wondering more about risk.

Today is my 62nd birthday and I would like to thank you for sharing the day with me.

I will do almost anything to learn ways to help you. Here’s proof of the pudding.

Ecuador-Healing-Springs

This may look like I slipped and fell in the mud.

Actually I was trying out a little known volcanic pool near our home on Ecuador’s Pacific coast. The clay is said to purify and heal. Here I am in that pool with the natives!

Ecuador-healing-mud

Imagine this. I can now collect Social Security. I will, but this decision has nothing to do with retirement. See why and how my decision can help your wealth at Multi Currency Diversification.

Merri’s and my health, energy and vitality are good. We love what we do. Why not keep on going especially in these fun filled, challenging times of incredible opportunity?  But to take advantage of the opportunity we have to be sure we are not wiped out in the current volatility.

So let’s look at bank safety and since we share so much about Ecuador at this site, let’s look at Ecuador’s banks first.

Then we let’s look at the five safest banking countries in the world.

No bank can have a better credit rating than the country it is in!  Instead of looking at banks, Ecuador as a nation has a B3 Moody’s rating, CCC Fitch rating and B- from Standard & Poor’s. These ratings are somewhere between “highly speculative” and “substantial risk.” No matter how you cut it…the credit agencies are all saying “do not leave a lot of money laying around in Ecuador”. We just finished a lesson on what all the credit ratings mean in our multi currency course.

This is probably not an issue for most multi currency investors because they cannot even have an Ecuador bank account. We continually research to get answers to questions from our Ecuador Living subscribers.

One subscriber recently asked if non residents can open Ecuadorian bank accounts. Here is a reply from our attorney.

“We’ve spoken to quite a few banks about the subject lately and they all
require that the foreigners be residents for them to open a bank account
(checking account). Some banks, however, will allow non residents in the
process of obtaining residency to open a savings account. I will check with
some other banks but this does seem to be a general policy among them.”

If you have questions about Ecuador subscribe to Ecuador Living. We do our best to answer them.

Merri and I do not have a bank account in Ecuador. This has nothing to do with residency or bank safety. Our basic asset protection banking philosophy, which I originally published in the 1970s in my first book “Passport to International Profit,” is even more valid today than it was over 30 years ago. This is:

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

Since Merri and I live the most in Ecuador and the US, we do most of our banking elsewhere.

We use our ATM card to live on when in Ecuador. Our bank in Cotacachi is here.

ecuador-bank

In this Cotacachi square.

ecuador-square

So where should a multi currency investor do the majority of his or her banking? Multi currency investors do not want to hold a good multi currency basket of investments in a bad bank…or even worse in a country where banks are unsafe.

A recent message Economic Safety in Troubled Times showed one way to gain US dollar bank safety in North Dakota.

There is even more safety a bit further north. Canada it appears may be one of the safest places to bank. Canada has many wonderful sites and scenes such as this British Columbia shot taken by our friend Dennis Goff.

High Energy Sunrise

Dennis by the way has a great web site about Ecuador at www.e-quator.net

I am really glad to see this and explain why in a moment. First, let’s review Canada and bank safety.

Canada has great bank safety according to a Yahoo Canada article entitled “Canada rated world’s soundest bank system” by Rob Taylor says: Canada has the world’s soundest banking system, closely followed by Sweden, Luxembourg and Australia, a survey by the World Economic Forum has found as financial crisis and bank failures shake world markets.

But Britain, which once ranked in the top five, has slipped to 44th place behind El Salvador and Peru, after a 50 billion pound ($86.5 billion) pledge this week by the government to bolster bank balance sheets.

The United States, where some of Wall Street’s biggest financial names have collapsed in recent weeks, rated only 40, just behind Germany at 39, and smaller states such as Barbados, Estonia and even Namibia, in southern Africa.

The article listed the top five safest countries as:

Canada
Sweden
Luxembourg
Australia
Denmark

Singapore was 13th and Switzerland 16th.

The current economic correction has reduced bank safety but there is another reason to be a multi currency investor. The current bailout will create inflation and currency corrections…including further weakening of the US dollar.

This leaves investors with three options:

Multi Currency Option #1: Earn more.

Multi Currency Option #2: Hold assets in other currencies.

Multi Currency Option#3: Live where life is good but costs are low.

This is why the focus of our three sites have these focuses, #1: to help develop small international businesses; #2: invest in many currencies and #3: live in Ecuador.

Our fourth focus is on natural health.

We enjoy Ecuador because life is good there. Prices are low and there are many natural health benefits.

However there are some risk…not in banking, not from Ecuador’s government and not from crime or civial unrest. The most realistic risk is from lack of experience in a new found place.

Earlier in this message I mentioned Dennis Goff’s new blog at www.e-quator.net. The blog features the Wall & Madison business run by Bob Lofgren and Deborah Nance. Dennis, Bob and Deborah are all long term readers who have become friends with Merri and me over the years.

Bob & Deborah were among the first readers to move to the San Miguel gated community. Here is a group of our real estate tour delegates visiting San Miguel.

cotacachi-ecuador-san-miguel-visit

There are some very wonderful homes here. I helped one of my readers sell his recently for $85,000.

cotacachi-ecuador-san-miguel-house

Here is a typical San Miguel Home.

Let me say right here, that I have nothing financially to do with San Miguel in any way. I live nearby and most of the houses and lots in San Miguel are owned by readers. Otherwise I am not involved.

Bob & Debroah have started a business to help San Miguel owners because of a problem Deborah described in this note to me.

Gary, As you know, who you trust down here makes all the difference in the world. What should be one of the best experiences of your life can turn out to be a nightmare if you work with the wrong people. There are westerners here who came to Ecuador late in life with no money to make their fortunes before it is too late, and will tell a buyer anything to make the sale. Our attorney has examined contracts from two developers and says they won’t hold up in court. One contract was taken before a judge and pronounced completely useless. Being foreigners, buyers have very little legal recourse if they get hooked by one of these people.

Robert and I are not wealthy people, but we have enough money to live comfortably for the rest of our lives. Given the spectacular scenery, clean air and water, abundance of healthy food and sweet people, we certainly feel rich living here. Many people will attest that after talking with Robert and being very excited to buy and build, Robert will tell them there is no land rush, and to go home and think about it and be sure buying in San Miguel is what they really want to do. We care a lot more about our souls than our pocketbooks. We started Wall and Madison, not to make our fortunes, but to be of service and to do things right. Just yesterday two women from New Zealand were here. They told Robert that they had traveled all over the country, and the construction here at San Miguel is the best they had seen in Ecuador. Unfortunately, even the Ecuadorian builders who are honest often have no idea of Western standards.

Robert and I have spent a great deal of time and gone to a great effort, along with our attorney, to see that Wall and Madison is entirely legal and above board. Ecuador doesn’t exactly make it easy to comply with the law. Perhaps that is why most developers don’t. It really is a buyer beware situation down here. So I am glad that you are willing to feature Wall and Madison with your readers. I can promise you that we won’t let you down.”

You can learn more at www.e-quator.net

Safety appears to be more important in troubled times…but really finding safety with the banks, the people and currencies you deal with is ALWAYS important.

This is why multi currency safety is as important as bank safety. Investors who do not have multi currency diversification can end up holding assets in a safe bank but with a worthless currency. Do not miss tomorrow’s message as it reviews my multi currency diversification now.

Gary

Join Merri, me and Jyske Global Asset Management at one of our courses. We review economic conditions, Ecuador real estate, my entire portfolio and natural awakenings to health and wealth with investing and business ideas for the months ahead.

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

We’ll look at potential of real estate for sale on this lake.

Ecuador-lake-sites

and the value of Ecuador homes at San Miguel and Prima Vera II.

cotacachi-ecuador-san-miguel

Primavera II $46,500 condos.

multi-currency-Ecuador-condos

We’ll review review potential on Ecuador’s coast.

Ecuador real estate for sale

Salt or fresh water

Ecuador real estate for sale

Join me with the staff of Jyske Global Asset Mangement in Naples Florida to learn more about where in the world to invest now.  Learn how to attend this course free and save $499 to $750.

Until next message good global investing!

Gary

One of the best ways to prosper in this downturn is with your own internet business. You can enroll in our email internet course here for $299. However if you sign up for all three courses in June or later in 2009, I’ll send it free. You save $299. Learn more here

Get our web based course FREE if you join us in Ecuador. Learn more here.

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

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

Future 2009 courses

May 29-31  JGAM Florida Investment Course

June 12-14 Shamanic Mingo Tour
June 16-17 Imbabura Real Estate Tour
June 18-21 Ecuador Coastal Real Estate Tour

July 3-6 Ecuador Import Export Expedition
July 8-9 Imbabura Real Estate Tour
July 10-13 Ecuador Coastal Real Estate Tour

July 24-26 IBEZ North Carolina

Sept. 17-21 Ecuador Spanish Course
Sept. 23-24 Imbabura Real Estate Tour
Sept. 25-28 Ecuador Coastal Real Estate Tour

Oct. 9-11 IBEZ North Carolina

Oct. 21-24 Ecuador Import Export Expedition

Nov. 6-8 IBEZ Ecuador
Nov. 9-10 Imbabura Real Estate Tour
Nov. 11-14 Ecuador Coastal Real Estate Tour