Tag Archive | "Ecuador hotel"

Healthy Lifestyles Support Wealth


Healthy lifestyles support natural health and wealth.

Yesterday’s message began our review of seven lifestyle foundations.

That message yesterday was entitled Lifestyle Foundations and it outlined why we at the beginning of this decade we are sharing seven key messages I have sent before…  but have updated… because they reflect the fundamental values we share from the lessons we learn at this site.

This second lifestyle thought looks at the profound importance of health because good health is the most valuable asset of all.

I know because there are some moments, always remembered. Peak experiences. Never forgotten spots in our existence that become crossroads that forever dictate the direction of our lives. Sharing such a memory about good health from 30 years ago, may help you gain more freedom and wealth now.

A low rumble, the crowded city below, muffled through thick foliage and vibrated over the thin ribbon of asphalt that winds, flat as a snake, through the jungle ahead.

Warm fogs swept in from the South China Sea and hung like a humid blanket in the air.

The place was Bowen Road, mid levels, Hong Kong.

The time  1973.

This narrow path flows through the middle of a thick boscage that looms above the most crowded city in the world. The green, freshness and cacophony of birds brought us here each morning.  Amahs that stretched on bent iron pipe handrails, ancient wrinkled men carrying caged sparrows and all types of early risers moved like shadows against the verdant forest in their motions of Tai Chi.

Me?

I jogged down Bowen Road. 25 years old, this was the day when divorce papers were served and I also learned I was broke.

Ecuador-health

I no longer jog… but like walking and hiking… especially up and down hills. Here I am hiking up Mt. Cotacachi with my good friend, Mahananda.

Ecuador-health

We take delegates on hikes into sacred valleys on our Ecuador shaman tours.

Working from the age of 21 for a new hot company (the whole story is at https://www.garyascott.com/worldreports/121/) my stock options made me a paper millionaire at age 24. This unexpected wealth created bad spending habits and without the sense to sell, this portfolio was nothing but paper that became worthless. Plus the ambition and my month-at-a-time tours to Asia had ruined my marriage as well.

So that day I stumbled, more than jogged, wondering what would happen now! Everything seemed gone and for the first mile or so, I was just running and afraid.

The second mile absorbed me. The self-pity and fright began to fade.  During mile three I began to sweat and the trauma literally evaporated. Finally by the fourth mile I was taking stock. My two kids were smart, strong and already used to my being away. My soon-to-be-ex had the house, two cars, the boat, all the furniture and the 14 apartments we had managed to buy. They would be okay.

So what about myself?

On the fifth mile I analyzed my position… No cash, no way to pay next month’s rent and no job. I was 12,000 miles from home (Oregon). Most of my clients were unhappy campers focusing their anger on the only Guello (foreign devil) who had not fled the city (me).

Yet as one foot plodded in front of the other, there were several things I realized that I did have. Energy and the ability to work. I had my good health.

I jogged along thinking about my many wealthy customers who had tons of cash and gobs of assets, but were mostly overweight, exhausted and consequently perpetually afraid.  If anything went wrong-their business, banking or the economy and politics, they were doomed. They could not build again. Life for them was just the paper they had already accumulated. They were always bound up by that because they feared they could never last out tough times or rebuild. They were trapped by their wealth and lifestyles.

Suddenly over the last five miles I felt extremely rich and free! That was the moment when I realized the basis of real freedom is good health. Money can come and go, but if we are physically fit, with stamina and good energy we can always rebuild wealth.

That’s the moment I have never forgotten and over the past 40 years in my global travels I have kept a continual watch for new ways to be stronger, more flexible, in better shape and more immune from disease.

This search for health, vitality and longevity is one of the reasons why I really enjoy Ecuador, and our Blue Ridge Farm.

Being on the equator and traveling from place to place where the weather is good is healthy because of the seasonal regularity (the body loves ritual).

Plus the organic foods grown in the rich volcanic soils give a great boost to feeling good. Ecuador is one of three places in the world where residents have super longevity. This is where the stories of the fountain of youth began. https://www.garyascott.com/ecuador/378/

Ecuador-health

There are many pools with excellent volcanic mud to soak in for good health. Here I am in one on Ecuador’s coast.

Here is Chachimbiro thermal pools not far from our Ecuador hotel. This is a wonderful natural place where we take our friends and delegates to celebrate and immerse ourselves in the pure water of Ecuador. When we visit the waters of Chachimbiro early morning weekdays, we are the only people there.

Here’s one of our delegates with us enjoying the purest of Ecuador water soaking for health and longevity in the thermal springs.

The Ecuador water comes hot out of the mountains. The Ecuador water is super hot at the top, about 120 degrees. We begin there.

There is an ice cold pool next to the super hot so one can go from hot to cold. Only a few of us do that. Very few as you can see, you know who, dipping alone in the cold.

Having lived with the indigenous for years, Merri and I learned that good health and longevity come from more than just the sun and soil. The Andean people have an incredible science of living that includes very special exercises and nutrition.

Ecuador-health

We use exercises taught to us by the shamans like this Llama Walk. Here I am on one of our hand bridges in the Blue Ridge.

This is why Merri and I integrate health as well as wealth in our tours and seminars.

We include workshops on Andean diet, exercise, Amazon health supplements and healing substances and the scientific foundations of shamanic healing. You can also enjoy healing ceremonies with local shamans.  This is why we added a one day Quantum Wealth workshop to our International Investing and Business course. See 21 main health ideas we cover in our one day Quantum Wealth Workshop below.

Ecuador-health

We recognize the value of purification for health and take our…

Ecuador-health

delegates on our Ecuador shaman tours on…

Ecuador-health

this sacred lake to this…

Ecuador-health

beach for purification ceremonies.

We hope to share what we have learned about health and wish you a healthy decade ahead!

Gary

Save With Ecuador Shamanic Healthcare

Here’s why concepts from Ecuador shamanic healthcare is better than the hospital.

Few places can destroy health and ruin a lifetime of savings faster than a hospital.  We are at risk from pocketbook surgery and the incredibly dangerous “Secret Chargemaster”.   See below why chargemasters are normally kept secret and how to gain protection from their abuse.

Modern American health care is under pressure.  Despite horrendous costs, the system is faltering.  At times the care is more dangerous than the illness.  For example hospitals are the worst place to have a heart attack.  The University of North Carolina, did a study and found that 40% of the patients who had attacks in the hospital died before being discharged.  (The study compared that with only a 4% death rate for those who had heart attacks outside the hospital.)

Plus it was recently revealed that medical endoscopy scopes in hospitals were infecting patients with deadly drug-resistant bacteria.  The facts about this had not been previously disclosed.  The Centers for Disease Control and Prevention (CDC) estimate that hospital-acquired infections alone kill 99,000 people each year.  Here is an even worse hospital mortality fact.

CDC Stats

Click on image.

The image above shows a report from the Centers for Disease Control & Prevention. Hospital-acquired infections alone kill 57% more Americans every year than all car accidents and falls put together.

Often, what patients catch in the hospital is worse than what sent them there.  Governments and health care agencies agree  – antibiotic resistance is a “nightmare.”  An antibiotic-resistant bacteria may be spreading in more hospitals than patients know.  About one in every 25 hospitalized patients gets an infection and a 2013 report from the Journal of Patient Safety showed that medical errors are the third-leading cause of death in the country.

Along with the risk of hospital acquired illness and medical errors, the second huge threat to our well being… is health care costs, especially at hospitals.  This is because of the secrets in the Chargemaster and the people who do not want us to know how much hospital costs have risen .  Motivations beyond our good health, like corporate greed, want to keep us in the dark about health care cost.

hospital bill

The hospital bill above is part of a story about a $110,000 infection and why hospital “Chargemasters” are often secret.  This story tells how one person with resistant devastating infection ran up a $110,000 hospital bill only to find that Medicare would only pay $2,300 from treatment of infection.

Secret of the Chargemasters

Being in a hospital can kill as well as cure.  There are odds on that.  What is more certain is that hospitals can kill our finances.

The ‘average’ cost of hospital care is rising because the leading hospitals are front runners in figuring out how to amass market power so they can  raise prices and decrease competition.  A codeine pill that costs $20 at a hospital costs 50 cents at Rite-Aid or Walgreens.  Hospitals have “chargemasters” a price list created by each hospital, that typically has more than ten thousand entries, so almost nothing — even an aspirin, a bag of IV fluid, or a visit from a physical therapist to help a patient get out of bed — is free.  However, those lists are usually secret.

Hospital Failure

The Commonwealth Fund in its latest survey on overall health care ranked US healthcare dead last compared to 10 major countries.  Despite being worst, USA Today, Wall Street Journal, Forbes, New York Times have all warned about huge, increasingly costly, health care changes.  There are enormous problems in hospitals and chances are they are going to get worse.

When it comes to health care, we may well be on our own.  The very people, institutions and establishments that  we should rely on may actually hurt rather than help our health.  Shamanic Wisdom accumulated over the millennia can fill the gap.

The way to escape the dangers of the high cost deteriorating health care system, is to not need it.  Declare health independence… and create natural good health.  There are dozens of simple, really low costs steps that can improve health… eating, purification, exercise, even the way we think and don’t think when we sleep.

Ancient shamanic wisdom can help us reduce our risks of poor health care and help us fight the ever rising costs.

For nearly 50 years Merri and I have lived around the world and checked out just about every source on natural health care.  We have spent years living with natural health care insiders, and trying what they offered.

We took thousands of readers to Ecuador.  Many met the shamans there and we saw some health miracles take place (including a miracle with me!)

Since not everyone can go to Ecuador, we have created three Shamanic Natural Health Care Reports that can help improve our natural health.  They are concise and to the point.  In 15 minutes the first report shows exactly how to start preparing for better health and more energy.

We do not have to depend on the health care and health insurance monopolies for better natural health… or cave into a healthcare system that can put us at risk and charge outrageous prices at the same time.

Our shamanic health reports provide information on how to use ancient health care systems to become more healthy –  self sufficient – providing our own good health.

The first report is “Sunski”, the Andean word for good eating, for maximum nutrition and purification.

We started the series with eating because so many of our readers have found the Andean shamanic nutrition helps them kick start their health with weight trimming.  Here is what a few readers have written to us:

These are typical notes I have received from readers.  They all contains this common Ecuador weight loss refrain.

*  “Hi Merri,  things have worked out well.  I am healthier than I have ever been, lost 32 pounds since arriving in Sept.  Bought a house and have finished the first level.  What an amazing place you have found”.  Thanks Phil – Ecuador

*  “We’ve decided to change our eating patterns since we came home because we so enjoyed our meals at the farm and how we felt physically.  Thanks so much. With love” JJ New – Chicago

*  “After eating all that delicious food I gained 3 lbs but it must be in muscle weight as my pants fit loosely!”  R Vickers – New Mexico

*  “The food was so delicious and I thought I ate a lot, but during the week I lost six pounds!”  WB Australia.

Good eating is the first step towards natural health. The first rule of good health is getting the correct nutrition.  The second step is purification of toxins and eating to avoid getting impurities in our body in the first place!

Sunski is a way to eat that strengthens and purifies as it stops adding toxicity from eating.  Yet Sunski is a delicious, healthy “self defined” cleansing process.  One lesson in Sunski shows how to correct a simple mistake that most of the Western population makes which increases the chances of adding and retaining weight by 84%.

“Sunski” combines lessons about healthy eating that we learned from years of working with ayurvedic health masters and then living with an Ecuador Taita Yatchak and his apprentices.

We lived, worked, farmed, cooked and ate with this Taita Yatchak for years while learning “Sunski”.

shaman

The “Sunski” report has been 40 years and millions of miles of travel in the making.

We’ve invested thousands of hours into learning the skills of health self-reliance and resilience, identifying the best foods and combinations and sifted through loads of seeming contradictions to get to the facts about “do it yourself” longevity and natural health.

But that wasn’t enough – not when our good health is on the line.  So we consulted dozens of top professions who know a lot about natural health.  We spoke with holistic MDs chiropractors, Indian Vidyas, Andean Yatchaks, and other self-reliant natural health experts who live this way every day.

Don’t let the simplicity fool you…  years of research went into these reports.

And we only kept the best of the best: this system is complete – and FAST to learn – so you can get started immediately.

We all need to stay out of hospitals and reduce our exposure to modern medical risks and costs.

Why re-invent the wheel?  Especially when time is NOT on our side.  We’ve already done the hard work pulling together the information we all need to create better natural, good health.

Imagine… never worrying about what we eat ever again and reducing the risks of hospitalization and health care’s outrageous costs.

A few of the life balancing nutritional tips include how to:

#1: Eat a balance of fat, carbohydrates and protein.

#2: Eat combinations of food for ideal digestion.

#3: Eat clean organic food prepared and served by happy, joyful people.

#4: Eat in good spirits at the right times of day.

#5: Chew in the correct way.

#6: Eat purifying and satisfying meals.

#7:  Adapt eating habits that are suited to individual specific makeup and lifestyle and why such individualized nutrition is better than any specific set plan.

*  A complete list of EZ to use recipes that will immediately improve your short term energy… and your long term natural health – so that you never have to guess what foods you need (or rely on the health care establishment  to tell you the truth).

*  The single biggest constraint you’ll face in your eating habits  – and how you can eliminate it by adding two simple recipes to your Sunski system.

*  How to calculate exactly how much food you need so you don’t over or under build your nutritional plan.

*  A simple solution for making sure that your food delivers what your body needs when you need it.

*  What components you can choose for yourself and how to avoid mass diets that seem to work for every one except… you.

*  The best long term solution for avoiding sugar.

*  Use sweet spices to compensate for stress.

*  Specific types of unique spices that give you the biggest energy bang for your buck.

*  Spices that cleanse and purify.

*  Three changes in your fruit consumption that is a critical component for long term purificatioN.

*  The best times to eat specific foods.

*  How to direct different foods to different parts of the body.

*  Three teas that add a resilience to your natural health system that are easy to make and enjoy at home at a low cost.

*  Why it is good (in fact almost a requirement) to sometimes eat junk food.

The nutrition report also includes  23 special recipes of quick and easy but perfectly balanced meals and snacks.

quinoa pancakes

One of the recipes is for high protein Chocolate Quinoa Pancakes.

All of this information is in “Sunski” the first of three shamanic health reports.

Special and delicious, but fast and healthy recipes.

Merri received this note from a reader:   Merri, your wonderful cooking deserves very special thanksEverything was delicious. I’m now using close to your ingredients but I miss a lot in the result and long for a recipe or two.” Nancy H – Ireland

These recipes are easy to make, delicious to eat, inexpensive but balanced and healthy foods prepared in a shamanic way.

Learn how nutritional secrets can help keep you out of the hospital.

Secret of the Hogberry

Gain Amazing Health Benefits with the Hogberry

More than 100 studies have found that physical activity can lower cancer risk and even help cure cancer.  Fortunately researchers asked why and one answer became clear.  Body fat.

Studies showed that those who were most active have a 25% lower chance of developing cancer because reduced body fat is possible pathway to lowering cancer risk.  Time Magazine has some good information on the relationship between exercise and reducing cancer.  Have a look below if you want to research more deeply (1).

intermittent fastng

Graph showing benefits of intermittent fasting.

Fortunately there is a little known way to reduce body fat that does not even require exercise.  I’ll share more on this secret in a moment.

First, body fat and cancer?   Let’s ask why?

Part of the answer is toxicity.

Healthy bodies naturally and regularly remove water-soluble toxins from the body.  Our blood and kidneys flush them away.

Fat-soluble toxins such as metals, pesticides, preservatives, other pollutants are harder to flush out of the system.   Fat-soluble toxins must become water-soluble before the body can get rid of them.  The liver can do this conversion (bile emulsifies fat-souble toxins into water-soluble).  This process requires healthy digestive and detox pathways.  When they become imbalanced, fat-soluble toxins are stored in fat cells and brain cells instead.   These toxins can remain for decades and create health problems.

The fat stored toxins cause oxidation (free radical damage) and degeneration as well as mutation.  Toxins in the fatty tissue of the brain become neurotoxins that can cause cognitive problems and a host of mental and brain imbalances.

The way to avoid this storage of deadly toxicity is to keep stress down, while digestion and detoxification pathways remain good.

Burn Fat to Burn Toxins

When you burn fat not primarily for weight loss, (though you will lose weight) but for purification, you can turn on the body’s detox fuel.  Fat metabolism is the body’s natural form of energy.   Fat metabolism provides a more steady energy than glucose metabolism and flushes fat cells free of toxins.  As the toxicity drops, the nervous system has reduced stress and will naturally burn fat instead of sugar.

Intermittent fasting is one way to get the body to burn fat.  There is a way of eating that helps reduce weight, improve energy and purify the body as it returns to a state of natural health.

This is a simple easy way to improve and restore feeling good, but works best when combined with better nutrition, moderate exercise and a purification program that helps make sure that the body is not overwhelmed with too much purification at once.

This is why I have written a short report entitled “The FAST Way to Better Health” that features one special tea so an intermittent fasting routine becomes doable and enjoyable.

The Key is in the Hogberry

Intermittent fasting is guaranteed to work, if you have even reasonable nutrition, moderate physical activity and stick with it.  The problem is in the sticking.  When the brain is hooked on metabolizing sugar it can be very demanding.   When we try going an extended period without a sugar, the brain will have a hissy fit and demand that we eat or drink something sweet or starchy or alcoholic.

Sticking through a fast just does not work when the brain pulls out its bag of tricks, from sweet whispers (just one chocolate won’t hurt- but it will!)  all the way to chills sweats and dizziness.   Intermittent fasting, without help, can require enormous discipline that most of us cannot maintain long enough.

I know, I tried intermittent fasting several times and failed.  Then I accidentally stumbled across the secret of the Hogberry that not only stops hunger but more importantly speeds up the process of switching from sugar metabolism to fat metabolism AND assists in the purifying process.  Once I tried using this support for the pancreas (among other things),  intermittent fasting became satisfying and enjoyable.  I am passing 45 days in this routine, and the steady energy just gets better and better.  I am not minding the reduced weight and better fitting clothing either!

“The FAST Way to Better Health” explains how intermittent fasting is not real fasting.  One does not stop eating with an intermittent fast, not even for a day.  You learn why this is such a healthy way to lose weight and detoxify fat cells to reduce risks of cancer, heart disease diabetes and senility.

More important you learn how to feel better almost from the very first day.  Reduce stress, gain smooth steady energy without 10:30am and 3:00pm  droops. Find out how to avoid being hungry right after you eat and how to make the cravings for sweets and junk food all but disappear.

I will send you this report “The FAST Way to Better Health” that reveals the secret of the Hogberry, FREE when you order my Shamanic Natural Health reports described below.

This is the only way to attain this report.  Intermittent fasting can make your life better. It works best when you use the nutritional, exercise and purification tips outlined in these three reports.  As with all my reports and courses, satisfaction is guaranteed or your money back.  I want to be sure  that the information in “The FAST Way to Better Health” works for you.  The valuable knowledge you’ll gain in these reports works better when the nutrition, purification and exercise reports are combined so I have made a special offer.

I have created three shamanic health reports are about:

#1: Nutrition

#2: Purification

#3: Exercise

In this special offer I want to send you a special report on how you can gain better natural health with the hogberry along with three other reports that reveal secrets of health and longevity.

Avoid the Secret Chargemaster

Few places can destroy health and ruin a lifetime of savings faster than a hospital.  We are at risk from pocketbook surgery and the incredibly dangerous “Secret Chargemaster”.   See below why chargemasters are normally kept secret and how to gain protection from their abuse.

Modern American health care is under pressure.  Despite horrendous costs, the system is faltering.  At times the care is more dangerous than the illness.  For example hospitals are the worst place to have a heart attack.  The University of North Carolina, did a study and found that 40% of the patients who had attacks in the hospital died before being discharged.  (The study compared that with only a 4% death rate for those who had heart attacks outside the hospital.)

Plus it was recently revealed that medical endoscopy scopes in hospitals were infecting patients with deadly drug-resistant bacteria.  The facts about this had not been previously disclosed.  The Centers for Disease Control and Prevention (CDC) estimate that hospital-acquired infections alone kill 99,000 people each year.  Here is an even worse hospital mortality fact.

CDC Stats

Click on image.

The image above shows a report from the Centers for Disease Control & Prevention.  Hospital-acquired infections alone kill 57% more Americans every year than all car accidents and falls put together.

Often, what patients catch in the hospital is worse than what sent them there.  Governments and health care agencies agree  – antibiotic resistance is a “nightmare.”  An antibiotic-resistant bacteria may be spreading in more hospitals than patients know.  About one in every 25 hospitalized patients gets an infection and a 2013 report from the Journal of Patient Safety showed that medical errors are the third-leading cause of death in the country.

Along with the risk of hospital acquired illness and medical errors, the second huge threat to our well being… is health care costs, especially at hospitals.  This is because of the secrets in the Chargemaster and the people who do not want us to know how much hospital costs have risen .  Motivations beyond our good health, like corporate greed, want to keep us in the dark about health care cost.

hospital bill

The hospital bill above is part of a story about a $110,000 infection and why hospital “Chargemasters” are often secret.  This story tells how one person with resistant devastating infection ran up a $110,000 hospital bill only to find that Medicare would only pay $2,300 from treatment of infection.

Secret of the Chargemasters

Being in a hospital can kill as well as cure.  There are odds on that.  What is more certain is that hospitals can kill our finances.

The ‘average’ cost of hospital care is rising because the leading hospitals are front runners in figuring out how to amass market power so they can  raise prices and decrease competition.  A codeine pill that costs $20 at a hospital costs 50 cents at Rite-Aid or Walgreens.  Hospitals have “chargemasters” a price list created by each hospital, that typically has more than ten thousand entries, so almost nothing — even an aspirin, a bag of IV fluid, or a visit from a physical therapist to help a patient get out of bed — is free.  However, those lists are usually secret.

Hospital Failure

The Commonwealth Fund in its latest survey on overall health care ranked US healthcare dead last compared to 10 major countries.  Despite being worst, USA Today, Wall Street Journal, Forbes, New York Times have all warned about huge, increasingly costly, health care changes.  There are enormous problems in hospitals and chances are they are going to get worse.

When it comes to health care, we may well be on our own.  The very people, institutions and establishments that  we should rely on may actually hurt rather than help our health.  Shamanic Wisdom accumulated over the millennia can fill the gap.

The way to escape the dangers of the high cost deteriorating health care system, is to not need it.  Declare health independence… and create natural good health.  There are dozens of simple, really low costs steps that can improve health… eating, purification, exercise, even the way we think and don’t think when we sleep.

Ancient shamanic wisdom from around the world can help us reduce our risks of poor health care and help us fight the ever rising costs.

For nearly 50 years my wife Merri and I have lived around the world and checked out just about every source on natural health care.  We have spent years living with natural health care insiders, and trying what they offered.

We took thousands of readers to Ecuador.  Many met the shamans there and we saw some health miracles take place (including a miracle with me!)

Since not everyone can go to Ecuador or travel the world, we have created three Shamanic Natural Health Care Reports that can help improve our natural health.  They are concise and to the point.  In 15 minutes the first report shows exactly how to start preparing for better health and more energy.

We do not have to depend on the health care and health insurance monopolies for better natural health… or cave into a healthcare system that can put us at risk and charge outrageous prices at the same time.

Our shamanic health reports provide information on how to use ancient health care systems to become more healthy –  self sufficient – providing our own good health.

The first report is “Sunski”, the Andean word for good eating, for maximum nutrition and purification.

We started the series with eating because so many of our readers have found the Andean shamanic nutrition helps them kick start their health with weight trimming.  Here is what a few readers have written to us:

These are typical notes I have received from readers.

*  “Hi Merri,  things have worked out well.  I am healthier than I have ever been, lost 32 pounds since arriving in Sept.  Bought a house and have finished the first level.  What an amazing place you have found”.  Thanks Phil – Ecuador

*  “We’ve decided to change our eating patterns since we came home because we so enjoyed our meals at the farm and how we felt physically.  Thanks so much. With love” JJ New – Chicago

*  “After eating all that delicious food I gained 3 lbs but it must be in muscle weight as my pants fit loosely!”  R Vickers – New Mexico

*  “The food was so delicious and I thought I ate a lot, but during the week I lost six pounds!”  WB Australia.

Good eating is the first step towards natural health. The first rule of good health is getting the correct nutrition.  The second step is purification of toxins and eating to avoid getting impurities in our body in the first place!

Sunski is a way to eat that strengthens and purifies as it stops adding toxicity from eating.  Yet Sunski is a delicious, healthy “self defined” cleansing process.  One lesson in Sunski shows how to correct a simple mistake that most of the Western population makes which increases the chances of adding and retaining weight by 84%.

“Sunski” combines lessons about healthy eating that we learned from years of working with ayurvedic health masters and then living with an Ecuador Taita Yatchak and his apprentices.

We lived, worked, farmed, cooked and ate with this Taita Yatchak for years while learning “Sunski”.

shaman

The “Sunski” report has been 50 years and millions of miles of travel in the making.

We’ve invested thousands of hours into learning the skills of health self-reliance and resilience, identifying the best foods and combinations and sifted through loads of seeming contradictions to get to the facts about “do it yourself” longevity and natural health.

But that wasn’t enough – not when our good health is on the line.  So we consulted dozens of top professions who know a lot about natural health.  We spoke with holistic MDs chiropractors, Indian Vidyas, Andean Yatchaks, and other self-reliant natural health experts who live this way every day.

Don’t let the simplicity fool you…  years of research went into these reports.

And we only kept the best of the best: this system is complete – and FAST to learn – so you can get started immediately.

We all need to stay out of hospitals and reduce our exposure to modern medical risks and costs.

Why re-invent the wheel?  Especially when time is NOT on our side.  We’ve already done the hard work for you pulling together the information so you can create better natural, good health.

Imagine… never worrying about what we eat ever again and reducing the risks of hospitalization and health care’s outrageous costs.

A few of the life balancing nutritional tips include how to:

#1: Eat a balance of fat, carbohydrates and protein.

#2: Eat combinations of food for ideal digestion.

#3: Eat clean organic food prepared and served by happy, joyful people.

#4: Eat in good spirits at the right times of day.

#5: Chew in the correct way.

#6: Eat purifying and satisfying meals.

#7:  Adapt eating habits that are suited to individual specific makeup and lifestyle and why such individualized nutrition is better than any specific set plan.

This report includes a complete list of EZ to use recipes that will immediately improve your short term energy… and your long term natural health – so that you never have to guess what foods you need (or rely on the health care establishment  to tell you the truth).

Here are a few facts and health tools you gain:

*  The single biggest constraint you’ll face in your eating habits  – and how you can eliminate it by adding two simple recipes to your Sunski system.

*  How to calculate exactly how much food you need so you don’t over or under build your nutritional plan.

*  A simple solution for making sure that your food delivers what your body needs when you need it.

*  What components you can choose for yourself and how to avoid mass diets that seem to work for every one except… you.

*  The best long term solution for avoiding sugar.

*  Use sweet spices to compensate for stress.

*  Specific types of unique spices that give you the biggest energy bang for your buck.

*  Spices that cleanse and purify.

*  Three changes in your fruit consumption that is a critical component for long term purificatioN.

*  The best times to eat specific foods.

*  How to direct different foods to different parts of the body.

*  Three teas that add a resilience to your natural health system that are easy to make and enjoy at home at a low cost.

*  Why it is good (in fact almost a requirement) to sometimes eat junk food.

This report on nutrition also includes  23 special recipes of quick and easy but perfectly balanced meals and snacks.

quinoa pancakes

One of the recipes is for high protein Chocolate Quinoa Pancakes.

All of this information is in “Sunski” the first of the three shamanic health reports.

Special and delicious, but fast and healthy recipes.

Merri received this note from a reader:   Merri, your wonderful cooking deserves very special thanksEverything was delicious. I’m now using close to your ingredients but I miss a lot in the result and long for a recipe or two.” Nancy H – Ireland

These recipes are easy to make, delicious to eat, inexpensive but balanced and healthy foods prepared in a shamanic way.

Recipes include:

  • Carrot Cake Quinoa Brownie with Stevia
  • Thermos Quinoa Kichiri
  • High Protein Veggie Almond Savory Cottage Pie
  • Mild Turmeric Curry
  • Low Carb Quinoa Tapioca Crumble
  • Merri’s Blackberry Crumble with Quinoa and Stevia
  • Merri’s Quinoa Strawberry Shortcake
  • Merri’s Quinoa Corn Bread
  • Merri’s Quinoa Corn Bread Dressing
  • Quinoa Risotto With Arugula and Parmesan
  • Timbal of Quinoa topped with Ginger or Parmesan Cheese
  • Quinoa Gazpacho With a Sherbert of Coriander
  • Quinoa Taboleh
  • Mango Quinoa Salad
  • Quinoa Avocado Curry

All of these recipes are in “Sunski” just one of the three shamanic health reports.

Merri received this note from a reader:   Merri, your wonderful cooking deserves very special thanksEverything was delicious. I’m now using close to your ingredients but I miss a lot in the result and long for a recipe or two.” Nancy H – Ireland

These recipes are easy to make, delicious to eat, inexpensive but balanced and healthy foods prepared in a shamanic way.

Learn how nutritional secrets can help keep you out of the hospital.

These reports focus on how to have good natural health so you can remain independent and avoid costly medical care.  The second report looks at purification and detoxification.

The third report is about exercise… but not the type you would think.

Unlock the Mystery of Key Muscles

For example this third report unveils one exercise that is a nutritional trick  that has nothing to do with what we eat.  The trick is to energize and coordinate the digestive system by exercising a set of key muscles as we eat.  The body has a number of key muscles that regulate breathing, digestion, circulation, elimination and muscular motion.  The report  reveals an exercise you can do at the dinner table to energize these muscles which in turn coordinate every other muscle and organ in the body.  Eating in this way for example (most of the modern world does not) energizes just one key muscle that regulates part of our ability to burn sugars and fat.

Part of the report focuses on how to have financial balance in investing and business so you can remain independent.

The report looks at oxygenation, coordination, purification, energy boosting, education, occupation and relaxation.

Oxygenation-Coordination:  Learn how to gain extra oxygen with the Llama Walk.

Purification: We look at Andean purification herbs and purifying teas.

Energy Boosting: Eating balanced, correctly prepared organic food and drinking herbal teas designed for body type and body imbalances.

Occupation: Physical labor, suited to your body type and condition range from gardening and animal care to path building and clearing the woods.

Relaxation: Learn how Meditation, L-Thianine and Baroque Music enhance thinking and relieve stress.

Body Types Made EZ:  Learn how they cause and influence nine body types and their imbalances.  Discover seven easy ways to determine your body type and how to keep it in balance.

Healthy Eating Made EZ:  Gain delicious, power packed weight reducing recipes from easy to obtain products from super market foods. Coddle Yourself Egg-High Protein Country Cottage Pie-Low Carb-Veggie Chile & Spaghetti- Weightless Bread-High Mountain Pure Protein Quinoa-Better Oatmeal of Steel- Several Soups for Super Strength-Berry Good Crunch Treat and Waist Less Apple Crumble are just a few.

Exercise for Strength and Better Health Made EZ:  Medicine is dose.  Too much exercise is as bad or worse as not enough. Learn how to let comfort be your exercise guide. Move with momentum-some exercises activate all muscles and provide the benefit of leverage, momentum and convenience so 12 minutes of exercise a day is enough. Blend body and mind-Alpha exercises take you into the zone so you win from the inside out.  Spin and bend-blend exercise secrets from India, the Andes and the East for easy and better health.  The Gentle Touch-if you have to breathe through the mouth you have done too much.

Here is what others have said about this information:

Though I ate more than ever, my weight dropped and I lost two inches off my waist.” – S.H. Oregon

The life path altering effects from the weekend with you and Merri continue. Thank you again. I have begun to change my diet. Bless you!” – D.B. Connecticut

You are indeed a spiritual pioneer, blending disciplines to create tools and resources for success in this new land of opportunity.  Anyone who thinks this is just all about money is missing the real message: This is about life in its most profound implications.” – W.P. Australia

I want to thank you for the wonderful time. I travailed from California to hear you convey your knowledge in the way you do so well, and I wasn’t disappointed.  The amount of information in the sessions was almost overwhelming, but it’s exactly what I went to hear.” – B.R. California

The technical information I gathered was most not new to me, but I like to compliment you for putting it all in the right perspective and to make it very understandable to all.  What was at our opinion one of the most important gaining of these 3 days is the opening of the new world, this new circle of what you call ‘normal’ people! (I call us ‘not normal’ as a matter of respect to the majority.)  But as we know, all is relative and depends at the point of view of each, His spiritual mind and his opinion about the senses of our being.” – E.V. Florida

People who, among other things, are active and productive and creative and resourceful, whose word can be counted upon; People who realize that spirituality DOES NOT mean sitting in a cave contemplating your navel and weaving baskets, nor does it equate in the Western culture with living in abject poverty.  People who realize that abundance is not a dirty word. People who understand that we are here to ENGAGE life, not to submit to circumstances out of fear and ignorance and apathy; People who don’t just use the most current ‘buzz words’ so they can feel like they are part of the group, but who actually DO something… Builders. Thank you for showing up in my life.” – E.W. Nevada

Good health is the most important asset in stressful times.  Beyond the fact that modern health intervention (ie. hospital) can destroy one’s finances, being in good health brings the energy and balance required to make sound investing and business decisions.

There are many ways to improve health naturally.

universal-frequency

Watching the sun rise promotes good natural health for example.  Our use of color and observing the correct colors (frequencies) at the correct time are important.

We have been incorporating the ideas of how natural health promotes everlasting wealth into our courses and seminars for decades and this report covers them all.

Here are 11 main points covered in the reports.

#1: Quantum mechanics, frequency, health &  wealth.  How they all connect.

#2: Three aspects of being – air – fire – water… how to balance and integrate them.  How a moonlight stroll reduces the risks of excessive adrenaline.

#3: Three ways to integrate brain waves and be in the zone… 60 cycle sound… L- theanine and meditation.

#4: The Andean – Indian Connection.  How Ayurved and Andean relate.  Three fundamentals of longevity. Eat right, work well and sleep soundly.

#5: How dis-ease develops and is stopped with nutrition, exercise and purpose.

#6: How to use cleansings. Melon, pineapple, apples-grapes, vareshna, chelating, cinnamon-sweet pepper tea, steam and mists.  Teas: How and when to use cedron, chamomile, lemon verbena, peppermint.

#7: Ways to relax.  How to use chamomile, valerian, lettuce and milk, hot water, vata press. Ways to calm down. How to use peppermint tea, aloe, cream massage, frozen grapes.  Ways to wake up. How to use cinnamon tea, paprika, cloves, ginger, ginger-black salt and lemon juice.

#8: How to use, colors and sound to stimulate organs and glands.

#9: EZ Shamanic exercises-yoga, llama walk, lizard, sun salute, crab and mouth release, ring chew, etc.

#10: How to use the senses, taste, six flavors.

#11: How to use essential oils to balance wellness.

Here is a special offer available for subscribers to Truth & Plenty.  When you order the three shamanic health reports that normally sell for $19.95 each, you save $19.95 plus get a report on the hogberry free.

More important you learn how to feel better almost from the very first day.  Reduce stress, gain smooth steady energy without 10:30 am and 3:00 pm  droops.  Find out how to avoid being hungry right after you eat and how to make the cravings for sweets and junk food all but disappear.

I will send you this report “The FAST Way to Better Health” that reveals the secret of the Hogberry, FREE when you order my Shamanic Natural Health reports described below.

This is the only way to attain this report as it is not for sale or available to the general public.  Intermittent fasting can make your life better. It works best when you use the nutritional, exercise and purification tips outlined in these three reports.  As with all my reports and courses, satisfaction is guaranteed or your money back.  I want to be sure that the information in “The FAST Way to Better Health” works for you.  The valuable knowledge you’ll gain in these reports works better when the nutrition, purification and exercise reports are combined so I have made this special offer.

Here are three shamanic health reports about:

#1: Nutrition

#2: Purification

#3: Exercise

Order all three Shamanic Natural Health Reports worth $59.85 for $39.90 and save $19.95. 

Order all three Shamanic Natural Health Reports worth $59.85 for $39.90 and save $19.95.  Plus you receive the report “The Fast Way to Better Health” and  our 60 day, full satisfaction or full, no questions asked, refund.

 

 

 

Quito Boutique Hotel


Quito’s best boutique hotel is the new Mansion del Angel.

Your dreams of living like royalty in the New Year can now be fulfilled..even on a budget!

We announce with great pleasure the renovation and opening of our best friends, Michel Duer and Jorge Espinosa’s historic property…see below!

Quito-Boutique-Hotel

The newly restored Mansion del Angel Quito boutique hotel is stunningly beautiful.

Michel Duer and Jorge Espinosa, owners of the Relais & Chateaux  La Mirage have just completed the renovation and offer to our readers an unbelievable price for this luxury hotel.   La Mirage Garden Hotel & Spa we reviewed yesterday.

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Merri with Michel Duer & Jorge Espinosa at La Mirage.

Merri and I have been friends with Michel and Jorge for many years so were delighted to learn that they were moving their luxury Quito boutique hotel to a larger and grander building.  Now they have just opened this magnificent Quito boutique hotel where…

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every room from…

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lobby… to

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the restaurant, to the…

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entrance….

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landings and…

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passages defines luxury.

Here are a few of…

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the…

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rooms.

Each is…

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spacious and…

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uniquely…

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appointed in…

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complete…

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luxury.

The hallmark of Michel and Jorge’s hotel’s is old world…

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service and…

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abundant flowers so that each…

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guest feels…

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totally…

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pampered but also at home in their own mansion.

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There are special benefits for Ecuador Living subscribers… a highly discounted rate with much more savings than those we have been able to arrange at other five star Quito hotels.

If you are an Ecuador Living subscriber, I’ll explain in a moment how to  to enjoy a stay at Quito’s Mansion de Angel at special member rates that our friends have kindly given us for you.

First, more on this hotel.

Here is a note that Michel and Jorge sent to me.

BOUTIQUE HOTEL MANSION DEL ANGEL

An old Mansion built at the turn of the last Century has been completely restored in order to achieve the former splendor of the Ecuadorian Republican Era. The Mansion used to be the home of an Ecuadorian Tobacco Tycoon, who entertained his guests and buyers lavishly in the large spaces on the Ground Floor, while he and his family utilized the First Floor as their private residence.

The property is part of the architectural historic Society of the downtown area of the Capital according to the World Heritage Foundation, which considered Quito to be the first city of the organization according to UNESCO.

The Mansion as well as the entire surrounding neighborhood was designed by an Italian architect, who was influenced by the architectural style of his native country.  Many homes and private houses in this particular area show the splendor and the excellent craftsmanship of this bygone era.

Boutique Hotel Mansion del Angel overlooks the well known Alameda Park and when passing through the park, the Historical Part of Downtown Quito may be reached within 10 minutes.  The park is also the home of the first Astronomic Observatory.

A very detailed restoration took place and only the finest building materials were used in order to comply with the Patrimony. The building itself houses fifteen large, spacious and luxurious rooms and suites. No two are alike, each one different in size, color scheme and decoration. In addition to an inviting Reception Area, a beautiful and comfortable Salon for relaxation is available, where complimentary Afternoon Tea is served. Guests may enjoy Breakfast on the Ground Floor, even those who must depart in the very early morning hours. A lovely inviting garden awaits our guests for outdoor relaxation and drinks prior to sunset.

We sincerely hope you will enjoy this jewel when your travel plans bring you to Quito and Ecuador.

Now let me explain how you can enjoy this Quito boutique hotel at a real savings.

Yeserday’s message looked at three reasons why you can enjoy special benefits at Michel and Jorge’s other luxury hotel La Mirage in Cotacachi and gain other special hotel upgrades as an Ecuador Living subscriber.

First, we own an Ecuador hotel.  Hotels work together and offer special referrals to help one another.

Second, for the past 15 years, Merri and I have watched La Mirage become one of the most sacred and exquisite hotel spas we have ever experienced.  It is a vital part of our life in Ecuador. We have remained good friends with the owners over these years, and we are in love with the wonderful service they perform.

Third, we have one of, if not, the largest, Ecuador oriented websites that reaches over 18,000 (and growing) readers every day.   We provide La Mirage with a lot of advertising. We do not ask for a cent for it…  nor do we accept any commissions when we book rooms. We simply ask  that the hotel does something special for the subscribers who support us.  So when you subscribe to Ecuador Living you gain extra benefits at La Mirage and Mansion del Angel.

Rates at Mansion del Angel including all tax and breakfast start at $140 a night and rise from there. This is in keeping with other five star facilities in Quito where rooms and breakfast cost usually start around $130 to $150 a night once the 22% tax and breakfast are included.

Mansion del Angel’s special rate for our subscribers is a great discount!

Mansion del Angel provides such a whopping discount to our tour delegates and Ecuador Living subscribers that I am not allowed to post this on the internet.  If you are an Ecuador Living  send an email to Bonnie Keogh at the Ecuador Living hotline.

If you are not an Ecuador Living subscriber,  learn how to subscribe here.

Suffice it to say that the savings for just a few nights stay is more than the Ecuador Living subscription.

Yet there is more.  When we book your room at Mansion del Angel, if you are an Ecuador Living subscriber and space is available you’ll be upgraded (at no additional cost) to rooms and suites where the rates are $275 a night and more.

Visit Quito and join our upcoming Ecuador export tour delegates who can stay at Mansion del Angel for the Quito portion of our Ecuador Export Tour and our Quito & Mindo real estate tour can enjoy wonderful rates surrounded with total beauty, care and graciousness!

Gary

Join us at many seminars and tours in Ecuador, Florida or  North Carolina… in 2010.

See details about each of our seminar and tours below… then see our December special that allows you to attend them all FREE.

For International Investing and Business.

For Super Thinking + Spanish

For Ecuador Shamanic Tour

For Ecuador Export

For North Andes, Imbabura & Cotacachi

For Manta & Mid Coast

For Quito & Mindo

For Salinas & South Coast

For Cuenca

Join us all year long… seminars and tours in North Carolina Florida and Ecuador.   Gain discounts by attending multiple seminars tours.

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

These extra tours create a dilemma for me. See how below.

Here are our multi tour adventure discounts.

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

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

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

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

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

These four new south coast tours and our six pack tour price create a bit of a crisis here.

As you can see above a six pack costs $3,099.  This is already a really low price for a tour that last up to 21 days (under $150 a day).

But as you will see below, our International Club membership which allows you and a guest to attend up to 56 courses and tours in 2010  (fees would be $40,947 for all these courses individually) is only $2,999.

Which would you choose… 6 courses and tours for $3,099 or those same 6 courses and tours plus 50 more for $2,999?

“Duh,” I said when this was pointed out to me.

So our only solution is to raise the International Club membership to $3,500… still a terrific deal… but $501 more than before.

Save $37,457…plus $501.  I will not raise the International club fee until January 2010. Enroll in the International Club now at the original fee of $2,999.

International Club 2010

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

International Club 2010 Membership Enroll here

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

La Mirage Cotacachi Garden Hotel & Spa


La Mirage is a garden hotel and spa listed as a Relais and Chateaux property…that is here in tiny Cotacachi!

La Mirage Garden Spa & Hotel is the best luxury hotel.  This is a great place to stay if you are looking for a luxury hotel anywhere in Ecuador.  In fact, La Mirage is a great place to stay if you are looking for luxury anywhere in the world!

The upcoming New Year celebrations reminded me of  last year’s events event in Cotacachi.

Here is a note from Patricia McCormick, a friend, a reader.  She spent New Year’s Eve at the La Mirage Cotacachi spa last year and sent this note:

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Happy New Year!  At this time of so much change, may you find peace and joy, and may you manifest all your desires in gratitude.

I went with four friends to La Mirage Relais & Chateaux.  We walked through a cow and sheep pasture to the front gate – just a stone’s throw from our homes in San Miguel.  Can you believe that this extraordinary resort is rated as one of the top ten resorts IN THE WORLD!!!  And it is located in our sleepy little leather village, Cotacachi, population about 6,000.

It is probably the most festive New Year’s Eve celebration in my life – the food was exquisite and there were 12 courses, including 3 sorbets – one being a delicious rosemary sorbet.  The room was decorated with festive abandon and we were entertained with a show of fireworks in the gardens outside our window.  Many balloons were released skyward, spewing sparkles and the grand finale was at midnight when a 3-story structure was lit, igniting a spectacular show of animated figures and breathtaking splurges of lights.  Several men worked all day, preparing the fireworks for the event.

The people in Ecuador love to parade and celebrate – there were many parades that day, the sounds of music and fireworks everywhere.  In fact, I could hear in the distance the people of the little village up the hill from my home partying with music and singing until about ten o’clock New Years’ Day! They are hard-working, gentle and happy people and I am happy to be here enjoying the beginning of a new year in this land of eternal springtime.  What a blessing!

cotacachi-spa

Happy New Year, Love and Light and Blessings to you, Patricia

In a moment, I’ll explain how Ecuador Living subscribers can save as they are immersed in ultra luxury at La Mirage Cotacachi’s premier boutique hotel plus receive special amenities and upgrades.

Merri and I purchased and run a small Cotacachi hotel… Meson de las Flores.  Yet I can say without shame that we are not the best hotel and spa in Cotacachi.  We are definitely second best, but not even close to best because…

five minutes away is La Mirage a Relais and Chateaux Spa.

I really cannot say enough about how lucky Cotacachi is to have La Mirage spa.

We offer a Cotacachi Spa week that starts with a La Mirage Cotacachi spa with a private, personal, hour and a half, Shamanic Purification Treatment. Enjoy the wisdom of our female Shamana who has inherited years of experience from her father a recognized Shaman in this region. Her purification room has been specially designed on indigenous healing principles to unify the body, mind and spirit. She blends relaxation techniques using the rose petal filled float tank and completes your healing process with an hour long aromatherapy spiritual massage.

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Shamana filling the rose petal filled pool during the shamanic purification massage.

La Mirage Spa, one of Cotacachi’s best kept secrets. This is a great place to stay if you are looking for a hotel in Cotacachi…and if luxury is valued more than price.

Here is the entrance to the spa at La Mirage Garden Hotel and Spa.

Cotacachi Hotel La Mirage

La Mirage offers  pure luxury…surprising for a spa in a village as small as Cotacachi.   This spa has such high standards that its prices create an incredible value.

The world is full of surprises but Cotacachi is a sleepy village and at the end of a bumpy, grass lined road sits Ecuador’s (and you may even say South America’s) most luxurious garden hotel and spa.

Gardens at Hotel La Mirage.

Cotacachi Hotel La Mirage

Hotel La Mirage is one of Ecuador’s oldest colonial haciendas, located in Cotacachi, ten minutes from the center of Otavalo. The hotel is set in luxuriant gardens full of tropical flowers and wildlife.

As hard as it is to imagine, there are three reasons why you can enjoy even more special treatment at La Mirage.

These three reasons are why you can enjoy this luxury spa hotel in Cotacachi and gain special benefits as an Ecuador Living subscriber.

First… we own an Ecuador hotel.  Hotels work together in Ecuador and offer special referrals to help one another.

Second, for the past 15 years, Merri and I have watched La Mirage become one of the most sacred and exquisite hotel spas we have ever experienced.  It is a vital part of our life in Ecuador. We have remained best friends with the owners over these years, and we are in love with this undeniably special garden hotel and spa.

The spa provides a special breakfast with fresh organic fruits and juices,  an afternoon of massages, resting in the garden, meditating in the most beautiful meditation room we know and afternoon teas.

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Meditation room at La Mirage Garden Hotel & Spa in Cotacachi.

This is almost a secret place. Few people can believe that an oasis of such high quality can exist in a tiny remote village high in the Andes. This is one of the most exquisite hotel spas in the world. This is one of the wonders of Ecuador for sure!

Shamana in shamanic treatment room at Hotel La Mirage spa.

Cotacachi Hotel La Mirage

Third,  we have one of, if not, the largest, Ecuador oriented websites that reaches over 18,000 (and growing) readers every day.   We provide La Mirage with a lot of attention. We do not ask for a cent for it… just that they do something special for the subscribers who support us.  So when you subscribe to Ecuador Living you gain extra benefits at La Mirage.

La Mirage hotel grounds in Cotacachi.

Cotacachi Hotel La Mirage

La Mirage offers, the highest, most refined, most elegant and delightful experience with the spa and 5 Star restaurant, organic gardens, horses, alpacas, llamas, small river, tennis courts and exquisite beauty.

There are fifteen luxury rooms at La Mirage and a world class spa with lush private gardens and a spa that is pure luxury.

cotacachi-spa

Whether you are dipping into a jacuzzi or enjoying a cozy eucalyptus fire in one of the many beautifully decorated rooms, you will find fresh roses everywhere. No detail is overlooked.   Guests range from Hollywood stars and US Senators to royalty.  The Queen of Spain chose La Mirage during her stay in Ecuador.

There are also great culinary delights  in the La Mirage kitchen that you can now know and enjoy.

We take most course delegates to visit La Mirage spa at least once during a course and enjoy the great Ecuador cooking there.  The food is incredible.

The chefs are world class, and presentation is at the top of their list. Appetizers are served in individual wooden music boxes, soup is poured hot into your bowl when served and each plate is a work of art. Here I am with delegates at La Mirage.

Here is the risotto starter up close.

The homemade, organic rose ice-cream dessert is out of this world.  Each tiny ball of rose ice-cream hides in the center of a blossom of sugared rose petals.

Everything at La Mirage is exquisite.

If you plan to come to Cotacachi to attend one of our courses or on your own and if you would like to experience this ultimate in luxury, care and beauty, consider La Mirage Garden Hotel and Spa.

We have arranged with La Mirage a special reduced rate for our Ecuador Living subscribers, including a sumptuous breakfast in the glass aviary and gourmet dinner in their glorious dining room…. a complimentary bottle of champagne and a room upgrade when possible.

If you are an Ecuador Living subscriber… contact Bonnie at the Ecuador Living hotline and she’ll provide full details.

Learn how to subscribe to Ecuador Living here.

Our courses and spa retreats and monthly stays are filling up El Meson to the brim…and we are extremely proud to be able to offer you this exquisite alternative.

If you plan to come to Cotacachi to attend one of our courses or on your own and if you would like to experience this ultimate in luxury, care and beauty, consider La Mirage.

We, of course, welcome you to Meson de las Flores. Our rooms start at $59 (plus Ecuadorian 22% service and tax) and you will find us a delight. However if you would enjoy gourmet meals and a room at a world class spa all for less than a similar meal would cost in the West, consider upgrading to La Mirage!

See more about La Mirage below.

Visit Cotacachi, La Mirage and attend our  Ecuador Export Tour

and our

North Andes, Imbabura & Cotacachi Real Estate Tour

Attend both tours for $998 or a couple is  $1,349.    This saves $149 on the couples fee.

See more about La Mirage at Ecuador cooking and Cotacachi Spa Day

Gary

How We Can Serve You

How to Have Real Safety

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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.

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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.

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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:

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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.

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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 Beach & Mountain Retirement


Ecuador beach retirement?   Retire in Ecuador in the cool Andes? Or just live in Ecuadorian the mountains or on the sea?  The best way to know is to visit and see Ecuador for more than a few days.

This is why we have created a Retire-in-Ecuador inspection Surf & Turf Hotel program so you can live a month in the Andean mountains and on the Ecuador’s coast at prices far below rates you would normally pay.

The Retire-in-Ecuador program is designed to help you see a huge chunk of Ecuador as you immerse yourself in the wonderful culture and get to know Ecuador’s friendly people.

There is a secret to the program.  You inspections are centered around two seemingly isolated… yet central locations to help you see as much of the country in a most efficient way.

These locations are Cotacachi… north of Quito and San Clemente… north of Manta.

Surf & Turf lets you stay at Meson de Las Flores and Palmazul two of our favorite small hotels in Ecuador.

Welcome to Meson de las Flores… our colonial hotel.

Meson is in Cotacachi and near Otavalo. This area offers the essence of Andean friendliness and colonial charm. Breakfasts are included in your plan and served in this open air, central courtyard where our friendly staff helps you dine Al Fresco in the clean mountain air.

Or you can dine in the mural room.

Meson is located directly off Cotacachi’s main plaza and next to the village cathedral and Plaza. Here is a view from Meson of the cathedral at dawn.

From the minute you enter the hotel, you feel its history…

yet the rooms have all been renovated for your complete comfort.

Enjoy the company of Meson guests during evenings in the fireplace room for an evening snack, drink and a blazing fire to ward of the cool mountain air.

Cotacachi is perfectly located so you have access to Quito, Otavalo and Ibarra and surrounds. This is one of the major areas where new residents are moving.

Our normal surf and turf plan provides you with two weeks stay here at Meson de las Flores.  Then you head for Ecuador’s coast.

Palmazul Hotel & Spa is north of Manta, the central hub for reaching Ecuador’s beaches.  Palmazul is a new hotel right on the beach. Here I am working in the beach view dining room where your breakfast (also included) is served.

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Both hotels Meson and Palmazul have just 15 rooms to assure privacy and personal attention.

You enjoy special savings on these hotel accommodations for two weeks in the mountains and two weeks on the sea.

This Ecuador Hometel plan cuts your hotel costs in half and makes these wonderful hotels your home.

Enjoy the colonial Ecuador hotel in the Andes El Meson de las Flores and on the sea at Palmazul…14 days stay in each hotel for a low total cost of $1,299 Single, $1,499 couple order here.

Please check with us for space availability before you book. Contact us at mesondelasflores@gmail.com

Ecuador Coastal Hotels Savings are now available at Palmazul Coastal Hotel Spa, one of the newest Ecuador beach hotels.

Palmazul sits directly on Ecuador’s beach and is offering an Ecuador coastal Hometel program so you can have a home away from home on Ecuador’s beach…live in luxury on the Ecuador sea at very low cost for a month (or longer) at a time.

Palmazul becomes your home for an Ecuadorian coastal adventure on the Pacific.

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This is your Ecuador coastal swimming pool and tennis court…really on the beach…overlooking the Ecuadorian Pacific.

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This is your Ecuador coastal swimming pool and tennis court…really on the beach…overlooking the Ecuadorian sea.

Here are some snapshots of the Palmazul Coastal Hotel and Spa and next door Vistazul condos.   You’l stay either in the hotel or in a two bedroom condo based on availability… but everyone is entitled to use the club house, dining rooms, pools, tennis courts, spa and beach.

The monthly price includes a wonderful served breakfast from this dining room overlooking Ecuador’s wonderful Pacific coast.

Dinner here is special too. You can visit this Ecuadorian fisherman when he brings in his fresh Pacific catch each day back to the hotel….where you can choose your meal. Few Ecuadorian coastal hotels offer this service.

San Clemente is a charming rustic coastal village, 45 minutes north of the port city of Manta, almost exactly in the middle of Ecuador ’s coast.  Bahia, Ecuador’s nicest coastal town is 30 minutes north.  Palmazul is perfectly located on a small road that ends just a short distance away into a cliff  thus  enabling you to enjoy proximity to town yet it is quiet as there is no through traffic. Transportation is also easy and fun…small jitneys everywhere!

San Clemente is a perfect starting point for exploring Ecuador ’s coast…in the middle of Ecuador beaches so you can reach the north or south of the coast in a day.

Yet in San Clemente, the days are full.  Fish from the jetties, stroll the beach, travel the coast, hike, horse ride, play tennis or just relax around the pool or on the beach.

Of course you can also work. Palmazul offers free wireless broadband for your laptop. Enjoy the peace and quiet of Ecuador ’s coast, but always stay in touch electronically with the rest of the world.

The spa also has a treatment room where you can enjoy a massage.

Your room will have a view and private balcony so your comfort does not end when the sun sets.

As dusk arrives so does the sea breeze…fresh into your room.

Cozy in your bed…

The surf serenades you in a soft night’s sleep…so you’ll be ready for the gentle surf and Pacific waters warmed by Ecuador ’s never ending sun.

To make your reservation, simply choose the order form below.

Gary

Enjoy really low rates in the mountains and on the sea with our month long surf  turf Retire-in-Ecuador program.  At normal rates a two week stay at each hotel (15 days at Meson and 16 days at Pamazul) would cost $3,262.  You save up to $2,073 because the one payment surf & turf rate is $1,299 ($1,499 for two).

Please check space availability before you book. For El Meson please contact mesondelasflores@gmail.com

28 day Surf & Turf $1,299 Reserve Single Here

28 day Surf & Turf $1,499 Reserve Double Here

July 24-26 IBEZ North Carolina

Oct. 9-11 IBEZ North Carolina

Or join us in Ecuador and learn more about living and retiring in Ecuador.

July 24-26 IBEZ North Carolina

Oct. 9-11 IBEZ North Carolina

Or join us in Ecuador and learn more about living and retiring in Ecuador.

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

Oct. 21-24 Ecuador Import Export Tour

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

Vilcabamba Ecuador Small Hotel


Madre Tierre is a small Ecuador hotel in Vilcabamba. Here is the entrance to this small Ecuador hotel.

vilcabamba-small-hotel

We have been sharing this series on Small Ecuador Hotels.

There is an Ecuador small hotel business opportunity in Vilcabamba now.  This message reviews this opportunity in a moment.

First, the subject of Social Security rules about working and owning a business abroad (that could reduce Social Security) and Ecuador’s new asset reporting regulation has sent many of you to the keyboard!

Yesterday’s message on Ecuador & Privacy raised many questions that I cannot answer personally.  As a financial publisher I cannot give individual legal or investing advice.

I can answer tax questions in general if I send the reply all readers. For example, one reader just ask: Gary, Re the continuing discussion of foreign & domestic taxes,

In the 1980s, my husband was working for an American corporation in Saudi. One incentive – at least back in the day – was that income earned there was exempt from US taxes unless the employee broke the contract and left early.

I realize that the situation of being an employee is different from being a business owner or being self-employed.  And I have no idea whether the arrangement described above applied to all US companies or some (the corporation in question was Bechtel).

That said, if earnings are taxed in the country where they are earned and then taxed again in the country of residence or citizenship, this constitutes double taxation – kind of like getting taxed on your income tax refund. Do your tax experts have any comments on whether international law allows or prohibits double taxation?

The answer is that there are tax treaties between the US and many countries, including Ecuador, so if you reside outside the US and are under another tax jurisdiction in another country, then you do not have to pay double tax.

In many instances there are even tax benefits… called the Foreign Earned Income Exclusion. The IRS code says: If you are a U.S. citizen or a resident alien of the United States and you live abroad, you are taxed on your worldwide income. However, you may qualify to exclude from income up to $87,600 of your foreign earnings. In addition, you can exclude or deduct certain foreign housing amounts.

There can be even greater tax benefits when you have a correctly structured business abroad. This is explained in the tax portion of our Tangled Web… How to Have an Overseas Business course. Joe Cox wrote the tax portion for me and the excerpt below explains how the benefit can be achieved.

The excerpt begins: Seven Taxing Levels

International business people have at least seven levels to choose from when they start their international business:

#1: Sole Proprietorship
#2: U.S. Corporation
#3: Overseas International Business Corporation or Limited Liability Company or Limited Partnership
#4: Foreign Sales Company
#5: Overseas Trust with Overseas Company
#6: Multiple Overseas Corporate Structure
#7: Overseas Corporate Structure with Genuine Non U.S. Shareholders

Over the duration of this course we will review all of these structures and when each works best. But whenever it is possible to attain, the seventh structure is always the best from a tax point of view.

This generally is the best from a business point of view as well because it means you have someone abroad helping you with your business.

Merri’s and my new business in Ecuador was this situation. We created a business using partners who will help us build the center, run it and provide the valuable knowledge.

This assistance is invaluable. We could not do this business (which I believe will so well as do good for the clients and community) without their help and involvement.

The tax key is that any business owned 50% or less by a U.S. person and 50% or
more by non-U.S. persons pays no U.S. tax. Such a company does not have to even file a U.S. tax return.

This is a complicated law, filled with land mines and I would not hope to understand or explain it all. Instead in this lesson I have asked my tax attorney to explain the legal aspects of this tax law. I will add my comments along the way to help you understand more in lay terms.

Essentially CFC law aims at stopping investors from putting money into an overseas corporation and not paying tax. This is because in general overseas corporations that do not do business in the U.S., do not have to file with the IRS and never owe U.S. tax. Subpart F of the Internal Revenue Code aims to stop investors from simply putting capital and investments in overseas companies and thus avoiding tax on the income from these investments.

Essentially the law creates three concepts. First, it creates the concept that income such as rents, royalties, interest, dividends and portfolio income are unearned and are different from income earned by business activities in a company.

Second, it creates the concept of when an overseas company is controlled by an
American. An American is any U.S. citizen, green card holder or resident.

Third, it creates the concept that if an overseas company is controlled by an
American, then that American has a personal tax liability on parts of the unearned income earned by that overseas company. You can see in Joe’s outline below as he clarifies the specifics in great detail.

Foreign Corporation Tax Issues by JOE B. COX, ESQ.

A. CONTROLLED FOREIGN “CORPORATIONS (“CFC”)

1.  The principal purpose of Subpart F of the Internal Revenue Code (IRC) is to frustrate U.S. taxpayers’ attempts to defer the U.S. tax on income falling within Subpart F.

2.  Generally, Subpart-F income is “portable” income, which can be manipulated by U.S.

Taxpayers through the use of foreign corporations.

Gary’s Comments: This is one of the most interesting areas of tax law for the international businessperson. This outline will explain why sharing my business with Ecuadorians will create a tax paradise.

End of Excerpt.

Do not be confused.  Income tax planning does not necessarily create good Social Security planning.  If you have not reviewed your Social Security regulations and you plan to live and work abroad… see a tax attorney about this.

I have reviewed these rules with both my attorneys in the US and Ecuador.

My US attorney and very good friend, Joe Cox wrote:  Gary, I have set it up so my personal assistant April Barza can answer calls and e-mails and schedule a no obligation, no fee conference call on the questions that come out of your newsletter or seminar.  I would not want to give the government of Ecuador a listing of my international holdings.  I would think they would have no security with that information.  Joe.

You can reach Joe Cox at jcox@coxnici.com or his personal assistant April Barza at abarza@coxnici.com

You can reach my Ecuador attorney, Floridalva Zambrano, at FLORIFLORI58@YAHOO.ES

Back to small Ecuador hotel opportunity in Vilcabamba.

Recent messages have looked at Vilcabamba real estate.

When we began investigating Ecuador back in the mid 1990s.  Joseph Garzozi, the Ecuador Economic Consul in Miami was one of the first people we visited.

One of the places he recommended we visit was the village of Vilcabamba.

vilcabamba-small-hotel

The Madre Tierra restaurant at this small Ecuador hotel.

I researched this Ecuador village and became fascinated with the fact that some of the residents there lived to extreme ages.

Further research brought us to an article written in the January 1973 National Geographic entitled, “Every Day Over 100 is a Gift” written by Dr. Alexander Leaf. This article was written about the three valleys-one in Georgia (then USSR), one in Pakistan (Hunza) and the valley of Vilcabamba, where 1,080 people per 100,000 lived on average to be 100. The article compared this to three per 100,000 in the United States. More important those who reached a ripe age (even over 100) remained vital, sexually active, still work and participate regularly in the community.

This greatly peaked our curiosity and we started looking for ways to visit this valley.  This was easier said then done.  One reason the population was long lived was because they were isolated from the rest of society. Few people knew how to get to Vilcabamba.

Finally we found a national guide, Eduardo Quito, who could take us.   We flew to Cuenca where we met Eduardo and then drove south along the Andes for an entire day to Loja.   A Quito Loja flight would have been faster but we wanted to see this part of the world.

We spent the night in Loja and Eduardo drove us next day to Vilcabamba where we stayed at a small hotel, Madre Tierra.   This small Ecuador hotel was owned at that time by an Ecuadorian, Jaime Espinosa and his French Canadian wife.

Madre Tierra was a popular spot for Israelis  and other backpackers hiking along the Gringo Trail at that time.  There was a sign in Hebrew Letters that said “Shalom, Jaime’s Hideaway” and the room rate then was $9.00 per night for Israelis and $10 to $15  for all others.

The rooms were little thatched cottages sprawling down a steep hillside with rich gardens and killer views.  Breakfast and dinner were served on the terrace.

Backpackers were not very profitable guests.  It is hard to develop much revenue with $9 a night rooms.  Jaime and his wife were in the process of creating a spa.  They had just installed a spa, massage room, hot tub, steam and clay baths and special cold and water accupressure treatment.

They hired us to consult with them about how to upgrade their market so we spent an enjoyable day talking, thinking about how to get a higher grade of guest and enjoying the spa.

After working with the couple we headed back to Cuenca fully expecting to return to Vilcabamba with a group.

Then as the saying goes, “life happened.”  Vilcabamba is remote… an extra day’s journey when reaching Ecuador and this spectacular valley never worked into our plans.

However Vilcabamba did take off and we hear from many readers that they are moving or have moved to Vilcabamba.

We also heard that a retired actor and his wife had purchased this small Ecuador hotel.

Due to this background and the fact I am always looking for ways that readers can earn income in Ecuador, I perked up when I received the note below.

“Gary,  This is an emergency message for YOU and Merri.  You may recall that my husband and I own the Madre Tierra Hotel (Spa, Restaurant, craftsman
Conference/ballroom dance floor/theater Center) in Vilcabamba.  This is to
notify you, in case you have potential buyers or you would be interested
yourself to buy and/or make a commission, that we are putting the hotel, and
our home and guest houses, and our 360 degree view farm with mansion and
sugar cane mill, all adjacent and minutes walk to the village, up for
emergency sale.

This wasn’t an emergency until TODAY…as a family member has to go in for surgery tomorrow morning.

I do not want to handle the stress of anything else right now.  So I’m writing to tell YOU that we’d even be willing to sell both properties for the price of one.

In other words, this has suddenly become an illness, desperation emergency sale.

We left most of the main furniture there so someone could move in
immediately…and the hotel is turn-key  (World Travel Awards nominated it
for the third year in a row in the category of Best Hotel and Spa in Ecuador
category…it’s truly a paradise!).

vilcabamba-small-hotel

Here is the spa in this small Vilcabamba hotel.

Our six acre home/mansion with the most spectacular views of all time has three craftsman fabulous guest houses and stables, etc.   We are selling the 43 hectare farm that has a 360 degree view mansion and worker house and a working sugar cane factory, etc.

vilcabamba-small-hotel

View of the farm from the house.

We’ll take an offer from you or anyone and will offer a discount to any reader who comes down and stays at the hotel.

I have followed your work for many decades…and so appreciate you and
Merri.  Now, I’m letting you know about this…as I feel it would be a great
opportunity to add to your successes, and a wonderful deal for one of your
friends or contacts.

Perhaps you can find a buyer we’d love who would love owning our beautiful
properties as much as we have loved them. We know a lot of people would love
to live in the Valley of Longevity.   Again, these properties are adjacent
to each other and just minutes walk to the village…location location
location…the farm is located along the river (never flooded! And possible
for development or farming…)…has a pure water well and various
additional water sources available, too, and so much more.

vilcabamba-small-hotel

Madre Tierra conference room and theater.

Thank you for all you do for others and the world.  Much love to you both, Carol Rosin.

As mentioned I have not been to Vilcabamba nor Madre Tierra for at least 15 years. A lot appears to have changed and Madre Tierra appears to have dramatically upgraded its market.

This offers an opportunity for readers who live in or are thinking of moving to Vilcabama and want a business.  The seller offered a commission and we explained we do not accept commissions so this savings may help this make this a better deal for our Ecuador Living subscribers.

You read a full report on this offer with contact details as an Ecuador Living subscriber.

I have no updated knowledge of the property, income, profit and any buyer should use all normal due diligence in looking at this offer.

Regards,

Gary

We hope you’ll join us to learn more business and investing opportunities globally as well as Ecuador.

July 4-8 Ecuador Export Tour

July 8-9 Imbabura Real Estate Tour
July 10-13 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.

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.

Small Ecuador Hotels – Manta


Small Ecuador hotels offer great charm and value but are often hard to know so this series will look at a few small Ecuador hotels that Merri and I love.

For example in Manta Ecuador everyone knows Hotel Oro Verde… a great hotel.

ecuador-hotels

but… just a block down the road is a small Ecuador hotel, Vistalmar.

ecuador-hotels

Here is the entrance of this small, beach view Ecuador hotel.

small-ecuador-hotels

The rooms are gracious. This  small room has…

ecuador-hotels

this great view.

small-ecuador-hotels

One suite with two bedrooms…

ecuador-hotels

a walk-in shower with a skylight and landscaping.

ecuador-hotels

The large dining area is part of  the…

ecuador-hotels

kitchen.

ecuador-hotels

The sitting room is also bright and spacious.

ecuador-hotels

The business center is open air.

ecuador-hotels

There are great views from there. This is a great place to work plus…

ecuador-hotels

to relax.

Here is the pool and…

ecuador-hotels

views.

ecuador-hotels

I like it!

small-ecuador-hotels

Small rooms are in the $50 a night range (always with 22% service and tax). The suite for four $125 a night plus service and tax.

Our friend Pilar Davila, a great real estate agent in Manta, can help you book rooms.  Her email is sherie7_2000@yahoo.es

Here is Pilar at…

small-ecuador-hotels

Vistalmar, a small Ecuador hotel on the sea!

ecuador-hotels

Gary

Join us at an upcoming Ecuador or North Carolina conference or tour.

June 12-14 Shamanic Mingo Tour

June 16-17 Imbabura Real Estate Tour

June 18-21 Ecuador Coastal Real Estate Tour

July 4-8  Ecuador Export Tour

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.

Ecuador and the Dollar


Since 2000, the US dollar has been Ecuador’s currency. Could it be that now Ecuador and the dollar might part ways?

Many readers have written and voiced concern that Ecuador might stop using the US dollars as its currency and return to a new sucre.

This may or may not happen. I previously did not think it would, until recently President Correa vowed that Ecuador would continue to use  the US dollar.

Lesson one of our Multi Currency Investing course points out that a general rule of currency investing is to expect a currency to devalue (or in this case change) soon after the responsible government swears that it will not.   See more about our Multi Currency Investing Course

Perhaps.

The current strength of the greenback alters the fundamentals.  If the dollar remains strong it is more likely that Ecuador will go off the dollar in  2009.

A continued low oil price could also have an impact on a decoupling decision for two reasons.  First, Ecuador’s President Correa will be under extreme pressure to deliver local promises he has made to the public.  Without high oil prices he has no money to deliver the goods.  His public excuse could be to blame America and the US dollar.  A return to the sucre would allow Correa to print money he needs for local promises right now.  This would only give him a short term boost but if he is desperate this might happen to make him look better.

Secondly, low oil  prices will diminish Ecuador’s foreign exchange reserves and the nation’s ability to pay foreign obligations and debt.  Correa has proven he is willing to jilt long term obligations.  A bond default slams the door in the face of someone who gave you something in the past.  However it is a bit easier to beat up on creditors of the past than those you need to deliver goods now or in the future.  If you do not pay them, they stop sending the goods!

Correa will not want the country running short of the supplies it needs to run on a day to day basis.

Let’s watch for Ecuador’s  reserves versus its short term obligations as an indicator of when Correa might pull the dollar plug.

If Ecuador and the US dollar do part, we must ask, so what? For many, this switch back to the sucre would be good.

When Ecuador originally Dollarized those who suffered most were the urban poor and citified middle class.  When the sucre was Ecuador’s currency and it devalued… wages were always raised at the same time. This meant that basics like food, clothing and subsistence shelter did not really cost more. Inflation at the base level was not real.  Certainly Western imported goods cost more…like TVs, cars and computers.  This mattered little to the urban poor because they never had a chance for this stuff anyway.  The middle class emigrated in droves to Spain and Italy.

Dollarization made inflation real!  Politicians could print more sucres to raise wages with inflation…but they could not print more dollars.  The poor in the city reeled.

The poor in the country who worked in agriculture did well though.  The price of crops rose.

Then the US dollar began to collapse versus other currencies.

The falling dollar helped create business opportunity.  One friend who owns a flower exporting business told me that the flower business in Ecuador was good due to the dollar fall versus other Latin America currencies, especially the Colombian peso. Colombia is one of Ecuador’s largest competitors in roses and bananas, two of Ecuador’s largest exports.

The cost of Ecuadorian products became lower even in the U.S. when compared to products from countries (such a Colombia) where the currency had strengthened against the dollar.

As the dollar falls versus other Latin America currencies, Ecuadorian products become less and less expensive in global terms.

Now of course the dollar has gained strength and this hurts Ecuador’s export potential.  The strong dollar is the rock…the low oil prices…a hard spot.  Correa and Ecuador’s economy are caught between them.

Also a new sucre, though less convenient,  would probably be good for expats.

A full report sent to our Ecuador Living subscribers explains what this would mean to expats and the Ecuador real estate market. You can subscribe here

Gary

Join us at a course in Cotacachi or on Ecuador’s coast this winter.

Jyske Gobal Asset Management will join us Feb. 13-15 for our course International Business & Investing Made EZ

Join us and then stay on for a real estate tour Here is our latest group inspecting the hotel,which is one block from the Ecuador’s Pacific.

ecuador-real-estate-risk

We’ll view this hotel. It has a huge front porch.

ecuador-real-estate-risk

Large second floor veranda with ocean views.

ecuador-real-estate-risk

Beautiful flowered front yard.

ecuador-real-estate-risk

The building is really rough and needs work…but over 8,000 square feet of building. The asking price is $60,000.

We have sent our Ecuador Living paid subscribers more details on this building on this Ecuador hotel for sale. Subscribe to get this report. See how to subscribe to Ecuador Living here.

Join us for our next Spanish course ad real estate tours.

Join us at a course in Cotacachi to learn more about multi currency investing.or on Ecuador’s coast this winter.

Jan. 16-21 Ecuador Spanish Course
Jan. 22-23 Imbabura Real Estate Tour
Jan. 24-27 Coastal Real Estate Tour

Feb. 13-15 International Business & Investing Made EZ
Feb. 16-17 Imbabura Real Estate Tour

March 8-9 Imbabura Real Estate Tour
March 10-15 Ecuador Export Expedition
March 16-19 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

Better still join us all year in Ecuador! See our entire schedule of 27 courses, tours, mingos and expeditions we’ll conduct in 2009 and how to attend as many of them as you like FREE.

The course fee includes meeting at Quito airport (day before the
course)…transportation (by group bus) to Cotacachi and back to Quito.
Course fee does not include air are. accommodations, food or individual transportation.

Financial Experience, Skill and


Financial common sense is important no matter how much financial skill and financial experience one has.

This is one reason I enjoy working with Jyske Bank.  They apply great doses of common sense.

When the sub prime loan scandal shook the global financial industry Jyske had very little exposure.

When  New York financier Bernard Madoff  generated a fraud of $50bn, I was surprised to see how many major banks and investment managers were duped for billions!   How can  experienced, supposedly skilled investors and money majors, do something so dumb.

I knew that Jyske Bank would be better than this…but I  had to ask Jyske if they had invested with Madoff.

Here is their reply.

“We did not have any exposure however some of the other big banks did (Danske bank and Nordea) also a big Danish pension company.

When someone can make 10-15 percent every year without a losing year it
should raise some questions! I always say if it is to good to be true ..it is!

This is why my confidence in Jyske as the main bank that protects my wealth has grown over the past two decades.

Those who were ripped off were not yokels. Look at this list of institutions that internet news says  lost a billion dollars or more.  I am excluding a host of banks and huge investors who lost hundreds of millions.  These firms should have known better.

Spain’s Banco Santander, which owns Abbey and Alliance and Leicester, said its hedge fund unit invested nearly 4 Billion of client funds with Bernard Madoff.

Fairfield Greenwich Group  invested $7.5 Billion.

GMAC chairman Jacob Ezra Merkin’s Ascot Partners  invested most of its $1.8 Billion.

HSBC is reported by the Financial Times to have a potential exposure of about One Billion dollas.

Kingate Management Ltd  invested $3.5 Billion dollars.

Again and again I have observed Jyske sidestepping financial debacles while their competitors lose through the smple lack of  finacial common sense.

My hat is off to the management of Jyske Bank for avoiding Madoff.   Often the pressures of competition lure investment maagers and banks toward great deals that seem too good to be true.  Jyske was not sucked in…beause of their good common sense.

Gary

Join us at a course in Cotacachi or on Ecuador’s coast this winter.

Jyske Gobal Asset Management will join us Feb. 13-15 for our course International Business & Investing Made EZ

Join us and then stay on for a real estate tour Here is our latest group inspecting the hotel,which is one block from the Ecuador’s Pacific.

ecuador-real-estate-risk

We’ll view this hotel if it has not sold. It has a huge front porch.

ecuador-real-estate-risk

Large second floor veranda with ocean views.

ecuador-real-estate-risk

Beautiful flowered front yard.

ecuador-real-estate-risk

The building is really rough and needs work…but over 8,000 square feet of building. The asking price is $60,000.

We have sent our Ecuador Living paid subscribers more details on this building on this Ecuador hotel for sale. If you subscribe, you can have this report. See how to subscribe to Ecuador Living here.

Join us for our next Spanish course ad real estate tours.

Join us at a course in Cotacachi or on Ecuador’s coast this winter.

Jan. 16-21 Ecuador Spanish Course
Jan. 22-23 Imbabura Real Estate Tour
Jan. 24-27 Coastal Real Estate Tour

Feb. 13-15 International Business & Investing Made EZ
Feb. 16-17 Imbabura Real Estate Tour

March 8-9 Imbabura Real Estate Tour
March 10-15 Ecuador Export Expedition
March 16-19 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

Better still join us all year in Ecuador! See our entire schedule of 27 courses, tours, mingos and expeditions we’ll conduct in 2009 and how to attend as many of them as you like FREE.

The course fee includes meeting at Quito airport (day before the
course)…transportation (by group bus) to Cotacachi and back to Quito.
Course fee does not include air are. accommodations, food or individual transportation.

Ecuador Bond Default


Today, December 15, 2009, we’ll know for sure if Ecuador has defaulted on some of its bonds. Ecuador’s President Rafael Correa threatened to do this once before…and did not.

This time I believe he will.

This will be good…for many…because despite the default, Ecuador’s sun will not go away.

Ecuador-bond-default

Nor will the beauty of Ecuador’s mountains like this one we climbed.

Ecuador-bond-default

Nor will it stop the smiles of Ecuador’s happy people like these potato farmers we met on the hike.

Ecuador-bond-default

Nor will the hard working energy of the crafts people in town like Otavalo (shown here) cease.

Ecuador-bond-default

Nor the richness of the land like this Intag forest go away.

Ecuador-bond-default

Nor will the wonder of the longevity valleys like this Intag plain end.Ecuador-bond-default

Ecuador’s bond default may create profits in two ways….one in the global bond market. The other gain will be in Ecuador.

Many readers have sent me a link to last week’s Bloomberg December 12, 2009 article by Stephan Kueffner which says:

Correa Defaults on Ecuador Bonds, Seeks Restructuring.  Ecuadorean President Rafael Correa halted payment on foreign bonds he calls “illegal” and “illegitimate,” putting the South American country in default for a second time in a decade.

The government won’t make a $30.6 million interest payment by Dec. 15, when a month long grace period expires, Correa told reporters in his office in Guayaquil. The $510 million bonds due in 2012 plunged to 23 cents on the dollar from 31 yesterday and 97.5 cents three months ago.

“I have given the order that interest payments not be made,” Correa said. “The country is in default.”

Though Ecuador is a small country, the size of France, with about 11 million people, its bond default may slow the recovery of the bond market during this global economic downturn.

Latin Bonds already have strong yields.  Look at the high yields on medium term denominated in US euro and US dollars!

Currency   Bond                Country             Yield

EUR     8.5  24/09/2012     BRAZIL             7.49%

EUR     7.375 03/02/2015   BRAZIL            8.38%

EUR     11.5   31/05/2011   COLOMBIA      8.17%

EUR     5.375 10/06/2013   MEXICO           7.28%

EUR         7.5  14/10/2014  PERU               9.02%

USD        10.25 17/06/2013 BRAZIL           6.24%

USD     8.25 22/12/2014      COLOMBIA     7.42%

USD     9.875  06/02/2015    PERU             7.57%

Ecuador owes about $10 billion to bondholders, multilateral lenders and other countries…not a lot by global standards…but  Ecuador’s bond default could cause a ripple down in Latin bonds and create even higher yields.  If so, I’ll buy some today.

The bonds and yields above are from Jyske Bank’s bond list of last Friday. These are indications not recommendations.    You can get up-to-date bond information from:

US investors at Jyske Global Asset Management.  Contact Thomas Fischer at fischer@jgam.com

Non US Investors at Jyske Bank. Contact  Rene Mathys at mathys@jbpb.dk

The next opportunity is in Ecuador. Many readers have asked questions like:

Ecuador is defaulting on its bonds. Any problems because of this? Is this good or bad?

This is a question much like, “Is the US federal $800 billion bail out, good or bad?”

The answer is yes and no.

First, remember that Ecuador defaulted on bonds once before in 1999.   Everything fell apart. Bank’s shut down. The country ran out of gas.  Times were terrible.

The country remained a great place to live. The cost of living collapsed. Help was easy to get. You could buy real estate for a song. So the answer to “Is this good or bad?” depends on who you are, how much money you have and where it is invested.

The Bloomberg article points out that Correa says of the default:

“I couldn’t allow the continued payment of a debt that by all measures is immoral and illegitimate,” Correa said. “It is now time to bring in justice and dignity.”

A debt commission Correa formed last year said in a 172 page report in November that the global bonds due in 2012 and 2030 “show serious signs of illegality,” including issuance without proper government authorization. Correa invoked the 30- day grace period on the interest payment last month, saying he wanted to analyze the commission’s findings.

Correa, 45, said the government will present a restructuring proposal in coming days. “We want creditors to recoup part of their money,” he said.

Personally I think this is true, but is the wrong approach.  I have long been a defender of Correa.  He is much like Barrack Obama, young, smart, energetic, from a poor background, who worked his way to the top with a mandate made possible by minorities….based on promises that probably cannot be kept.

He is trying to make improvements..but can he?

Obama cannot change the previous American debt and some of that US debt, in my opinion, is as immoral and illegitimate as can be.  If previous Ecuadorian politicians broke the law and created incorrect loans…Correa and the people of Ecuador should punish them.  They should recoup what they can from those people…but to punish lenders will simply stop lenders from lending to Ecuador.   This will hurt the nation, long term, as a whole.

The Bloomberg article goes on to say:

“Ecuador is moving further into isolation,” said Vicente Albornoz, head of the Cordes research institute in Quito. “The hardliners in the government won.”

“Ecuador is a serial defaulter,” said Arturo Porzecanski, an international finance professor at American University in Washington. “They defaulted in the 1980s, 1990s and this decade. A lot of other countries have had one or two defaults, but Ecuador tops them all.”

Correa, who holds a doctorate in economics from the University of Illinois at Urbana-Champaign, has said he will not sacrifice spending on health and education to pay the debt. Ecuador’s foreign obligations are equal to 21 percent of its $44 billion gross domestic product. Argentina’s debt, by comparison, was equivalent to 150 percent of its GDP when it defaulted in 2001, according to Goldman Sachs Group Inc.

Oil, which has plunged 67 percent since July amid the global financial crisis, accounts for about 60 percent of Ecuador’s exports. Finance Minister, Maria Elsa Viteri, said on Nov. 18 the country’s fiscal accounts remain “strong and healthy.” Ecuador had $5.65 billion in cash reserves as of Dec. 5, according to the Central Bank.

The default was triggered by the combination of the decline in oil with “a ridiculous ideology,” said Claudio Loser, the former director of the International Monetary fund’s Western Hemisphere department, who now is a scholar at the Inter- American Dialogue. “The financial need wasn’t so great that it was forced to declare a default,” Loser said.

The South American country has defaulted six times since it separated from Gran Colombia in 1830, according to “Debt Defaults and Lessons from a Decade of Crises,” a book published in 2007 by Federico Sturzenegger and Jeromin Zettelmeyer.

“It’s a final blow to external investors, and particularly any energy investors that may have retained interest or had future plans to attempt an investment in Ecuador,” said Enrique Alvarez, head of Latin America fixed-income research at IDEAglobal Inc. in New York.

I believe this default will hurt Ecuador’s overall economy…and help expats who live and invest there in small ways. When economic conditions drop, prices become lower. Labor is easier to find. Everyone is more willing to serve and work hard…if you have money.

Merri and I were living in Ecuador when the sucre collapsed falling from 3,000 sucres per dollar to 24,000 sucres per dollar. This roller coaster reduced the cost of food, clothing, shelter, staff, everything local. Wages were down. Bargains were everywhere!

Merri and I were loved because we stayed. We spent. We provided jobs.

Life can actually be better in hard times…especially if you have your income and investments OUT of the depressed country.

There is a caveat. If conditions deteriorate too far, law and order can break down.  Short term this will make Ecuador’s life better. They won’t have the loan to repay…but long term, as they become more isolated from the global economy, this will hurt.

Ecuadorians are basically friendly, non violent people so I do not have any great concern about this. This is based on experience. I have lived in places where people were not quite as easy going, like Hong Kong in the 1960s when there were riots and bombing in the streets.

My belief if that Ecuador will remain a great place to be…especially for now.

Gary

Join us at a course in Cotacachi or on Ecuador’s coast this winter.

Here is our latest group inspecting the hotel,which is one block from the Ecuador’s Pacific.

ecuador-real-estate-risk

We’ll view this hotel if it has not sold. It has a huge front porch.

ecuador-real-estate-risk

Large second floor veranda with ocean views.

ecuador-real-estate-risk

Beautiful flowered front yard.

ecuador-real-estate-risk

The building is really rough and needs work…but over 8,000 square feet of building. The asking price is $60,000.

We have sent our Ecuador Living paid subscribers more details on this building on this Ecuador hotel for sale. If you subscribe, you can have this report. See how to subscribe to Ecuador Living here.

Join us for our next Spanish course ad real estate tours.

Join us at a course in Cotacachi or on Ecuador’s coast this winter.

Jan. 16-21 Ecuador Spanish Course
Jan. 22-23 Imbabura Real Estate Tour
Jan. 24-27 Coastal Real Estate Tour

Feb. 13-15 International Business & Investing Made EZ
Feb. 16-17 Imbabura Real Estate Tour

March 8-9 Imbabura Real Estate Tour
March 10-15 Ecuador Export Expedition
March 16-19 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

Better still join us all year in Ecuador! See our entire schedule of 27 courses, tours, mingos and expeditions we’ll conduct in 2009 and how to attend as many of them as you like FREE.

The course fee includes meeting at Quito airport (day before the
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Ecuador Bond Failure


Ecuador bond failure may create profits in two ways.

See below how an Ecuador bond failure might make properties like this hotel (for sale right now) worth more.

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Many readers have sent me a link to the Bloomberg which says: “Ecuador May Default on $30 Million Interest Payment (Update2)” by Lester Pimentel and Daniel Cancel.

There are two important points we can spot by studying this article…one about global investing…the other about living abroad.

First, let me make one other point, the most important point of all. However you invest…wherever you live, do something you love.

For example, here I am working hard leading our latest Ecuador real estate tour. We are looking at a “hotel” for sale by the sea.

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Do you think I am worried about how I am going to retire?

Work hard but enjoy the process! We love looking at places like this Ecuador “hotel” for sale.

The asking price?

You won’t believe it when you see it below.

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The key is to invest in stuff you find interesting…and fun. Find a way to earn and smell the roses at the same time. In this case we are, as we inspect the hotel we smell the bougainvillea and hibiscus.

More on the hotel and price in a moment. Here is point one…about global investing.

The Bloomberg article about Ecuador bond defaults says:

Nov. 14 (Bloomberg) — Ecuador said it may default on a $30 million interest payment as a tumble in oil erodes export receipts, putting President Rafael Correa on the verge of fulfilling a two-year-old threat to repudiate the country’s debt.

Correa will use the 30-day grace period on the bond payment, which is due tomorrow, to analyze legal opinions, Finance Minister Maria Elsa Viteri said at a news conference in Quito.

Ecuador’s finances have come under strain as oil, which accounts for 60 percent of the country’s exports, has plunged 61 percent from a record high in July to $57.23 a barrel.

Ecuador, which last defaulted in 1999, needs an oil price of $95 to cover all the spending in its budget and a price of $76 to avoid depleting its $6.3 billion of foreign reserves, according to Barclays Capital Inc.

“They are burning reserves,” said Eduardo Levy-Yeyati, an emerging-markets analyst at Barclays. “The question is whether they will keep paying if oil prices don’t recover.”

Ecuador’s foreign debt totaled $10 billion as of September, according to Goldman Sachs Group Inc. That’s equal to less than 25 percent of its $44 billion annual gross domestic product.

Correa, who earned his Ph.D. at the University of Illinois at Urbana-Champaign, won a landslide victory in November 2006 after promising to rewrite the constitution and boost spending on the poor. He said in September that he’d suspend debt payments before trimming spending on education and health care.

Correa has done this once before in February 2007. He said he would miss a $135 million bond interest payment but then made it.

Before that payment was made, on February 12, I wrote about buying these bonds:

The point is this speculation may be a good value because the premium you are paid to take the risk is higher than need be.

Readers who read this and bought this bond then (before the payment was made) earned 20% over night.

This time the risk premium is even more! I believe there are two reasons for the current higher potential return.

First, Ecuador is more likely to default this time than last. Correa is under more pressure to fulfill promises he has made now than he was two years ago. He had just started office then. Now he is mid term and people expect him to deliver. He may decide to spend the money on education, etc. instead.

Second, bond markets and especially emerging bond markets have been hit by a huge dose of panic. All bonds are priced lower than normal.

The bond issue in question is a $510 million bond maturing in 2012. Prices for this bond have plunged as low as 14 cents on the dollar. At this price, the bond yields over 100%.

Imagine this. If you were to buy this bond now and Ecuador does not default, each year for over three years, you double your original investment. A $50,000 investment might earn over $150,000 of income during the three years. Then you get your $50,000 back.

ON THE DOWN SIDE though Standard & Poor’s has cut the country’s rating three levels today to CCC-. This translates to basket case. If Ecuador does default, you could end up making no profit and perhaps losing part of your original investment…though it is unlikely you would lose it all.

Point #2:

A reader sent this note “Gary–with Ecuador defaulting on its debt–why would one want to invest in Ecuador?”

This reader has probably never lived abroad and does not understand that living conditions can get better when you live in a country where economic conditions are down. Prices are lower. Labor is easier to find. Everyone is more willing to serve and work hard…if you have money.

Merri and I were living in Ecuador when the sucre collapsed falling from 3,000 sucres per dollar to 24,000 sucres per dollar. Ecuador did default on its bonds then.

So what? All this meant was that food, clothing, shelter, staff, everything local cost about 1/8th as much as it had. Wages were down. Bargains were everywhere!

Merri and I were loved because we stayed. We spent. We provided jobs.

Life can actually be better in hard times…

…especially if you have your income and investments OUT of the depressed country.

There is a caveat. If conditions deteriorate too far, law and order can break down.

Ecuadorians are basically friendly, non violent people so I do not have any great concern about this. This is based on experience. I have lived in places where people were not quite as easy going.

I have lived through law and order breakdowns before, first time…when living in Hong Kong. Poverty created riots and bombs in the streets there in the late 1960s.

That was not fun.

Mind you, Hong Kong real estate prices went on to rise higher than almost anywhere in the world. Those troubled times were among the best for buying real estate…ever.

I saw problems with bombs in public places when I lived in London as well. In February 1991 the provisional IRA managed to actually launch mortars from a van 250 yards from the Prime Minister’s home at Number 10 Downing Street. One shell landed behind the residence and blew out the windows of the war office.

Closer to home, the bathroom door of Merri’s and my London house was jarred off its hinges when an explosive device was used to start a raid on the Iranian Embassy in 1980 after it had been taken over by Iranian Arab separatists. The embassy in South Kensington was near our house .

Did this ruin London?  London real estate prices have since risen to be among the highest in the world and Londoner’s standards of living have skyrocketed.

Problems create opportunity! Economic trouble in a country can create opportunity for those who have money to spend and invest.

Another worry that people have is that the Ecuadorian government will nationalize or confiscate property. There is little history to support this and such a seizure would make little sense.

Such concerns ignore the fact that there are all types of confiscation taking place everywhere…at every level…even in the good old USA.

One family at my last course told me how, for decades, they had been buying property to build low cost housing. They have prepared many of the properties so they followed the zoning ordinances so they could build. Now the municipality has changed rules so they can no longer build.

Taxes are increased. New rules are added and fines levied for non compliance of new zoning ordinances. Costs and problems have risen so dramatically that these developers have had to abandon some of their property to the municipality. After foreclosure the municipality has built the same low cost housing…but obviously less efficiently.

The argument here is not that Ecuador is better than the USA or England or Hong Kong, etc.

The argument here is not that Ecuador has no risk.

The two points are that the perception of risk may be overblown and the premium for taking the risk is high as well.

Plus Ecuador is a great place to be…especially in the winter.

Risk is everywhere.

Ask not, “Where is there no risk?”

Ask instead. “How much is the real risk and how much am I paid to take it?”

Find interesting (for yourself) investments that pay high risk premiums.

Find delightful places where YOU want to be where the cost of living is too low.

Until next message, good global investing and Ecuador living.

Gary

This brings us back to where we started working hard…looking at this hotel for sale. Nine bathrooms, about 15 bedroms.

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Here is our latest group inspecting the hotel,which is one block from the Ecuador’s Pacific.

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Join us at a course in Cotacachi or on Ecuador’s coast this winter.

Jan. 16-21 Ecuador Spanish Course
Jan. 22-23 Imbabura Real Estate Tour
Jan. 24-27 Coastal Real Estate Tour

Feb. 13-15 International Business & Investing Made EZ
Feb. 16-17 Imbabura Real Estate Tour

March 8-9 Imbabura Real Estate Tour
March 10-15 Ecuador Export Expedition
March 16-19 Coastal Real Estate Tour

Better still join us all year in Ecuador! See our entire schedule of 26 courses, tours, mingos and expeditions we’ll conduct in 2009.

We’ll view this hotel if it has not sold. It has a huge front porch.

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Large second floor veranda with ocean views.

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Beautiful flowered front yard.

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The building is really rough and needs work…but over 8,000 square feet of building. The asking price is $60,000.

We have sent our Ecuador Living paid subscribers more details on this building on this Ecuador hotel for sale. If you subscribe, you can have this report. See how to subscribe to Ecuador Living here.

Join us for our next Spanish course ad real estate tours.

Join us at a course in Cotacachi or on Ecuador’s coast this winter.

Jan. 16-21 Ecuador Spanish Course
Jan. 22-23 Imbabura Real Estate Tour
Jan. 24-27 Coastal Real Estate Tour

Feb. 13-15 International Business & Investing Made EZ
Feb. 16-17 Imbabura Real Estate Tour

March 8-9 Imbabura Real Estate Tour
March 10-15 Ecuador Export Expedition
March 16-19 Coastal Real Estate Tour

Better still join us all year in Ecuador! See our entire schedule of 26 courses, tours, mingos and expeditions we’ll conduct in 2009.