Tag Archive | "Ecuadorian coast"

Now is the Time to Buy in Ecuador


Rising US real estate prices will increase pressure on Ecuador prices.

A New York Times article “Surging Home Prices Are a Double Edge Sword”  tells how home prices rose 11% nationwide over the past two years and are now only around 14% below their 2007 peak.  This fact and rising mortgage rates have created housing affordability concerns.

New York Times article

One solution for many Americans will be to buy where prices are lower.

Gary

The paid advertisement below gives the view of an American who has moved to Ecuador’s coast and is developing real estate projects there:

Invest in things that are valuable in their own right, not just because someone else says they are valuable.  Property prices can fluctuate, but true land value and especially beach front or ocean view land, has ALWAYS held its value and continues to increase.  Most of the highly sought after land and properties around the world are located near the water or on the coast.

You should make your selection based on what YOU want to get out of the deal.  If you are just looking for somewhere to stick your $  and make a decent return, this could work for you.  But, if you want the benefits of owning property in Ecuador  ( such as rental income, vacation home, retirement location, as well as a good return on your investment )  AND  you want the  protection of  a secure community… then this will definitely work for you.

Happy Romantic Couple Enjoying Beautiful Sunset at the Beach

http://www.grandpalmasecuador.com

http://www.palmerabeachecuador.com

We have seen HUGE jumps in value when it comes to our lots and developments.  But, the majority of buyers are buying and holding either as a long term investment, to build their dream home and retire to Ecuador, or to build a high quality vacation rental and take advantage of the rental income until they are READY to retire. When you invest on the front end of the growth you stand to reap the greatest rewards and benefits.  Think of those that bought land in California in the 1940s, Las Vegas in the 1950s, or Florida in the 1960s, Mexico in the 1970s, and Costa Rica in the 1980s.  Yes property values rose throughout the following years, but those that bought early saw the largest increases.  There is always a “Risk and Reward” principle at work.  Those that take a greater risk, stand to have greater rewards.  This is true with real estate. If you buy in earlier, before the community is completed, you get the best pricing.

The return on your investment in Real Estate Property can be an avenue to realize your retirement dreams, either by giving you a great location and manageable economy, or by giving you the return necessary on your investment so you CAN retire. So remember that there are 2 ways that property investments can help you… first, is they give you an affordable location to retire,  or second, they earn you income that assists with your retirement.

Whether you will be buying to build and retire or buying as a complete investment with plans to sell, remember that property investments offer the greatest security.  Consistent, continued growth is a benchmark of smart money management.  I personally bought a house for $90,000 and 3 years later,  sold it for  $150,000. That is a $60,000 return or  $20,000 per year.   This will not continue forever.  In a few years the cost of acquisition will become more balanced with the growth rate, BUT…  Right NOW… the values of quality properties are continuing to rise .

We want to discuss the value of real estate.  Quality properties to purchase and invest in.  Ecuadorian Real Estate that is as beautiful as it is affordable. This is not a stock or a mutual fund that you buy and hold an account or shares.  We are dealing with Beautiful Beach Front properties that you can enjoy and use for vacations or retirement.  When the time comes that you want to sell we can assist you with that as well.

So, how do you find Quality Property Investments?  One way is to research what has happened in other locations and find similar opportunities.  Consider Belize or Costa Rica. In the late 80s, Costa Rica was a very affordable investment with minimal infrastructure and roads, but with great prices on ocean front and Ocean View land.  Prices increased 30% to 40% per year for almost 20 years.  How could it do that?  Because it was priced so low to start with.  Take for example, a lot that sold for $10,000 in Costa Rica in 1990 and appreciated by 30% per year over the next 10 years.

That lot would have sold for over $125,000 in the year 2000 .  That is a $115,000 increase in 10 years.

Why the increase and rise in price?  There are many factors.  During that 10 yr span what happened?  Roads went in and improved.  Water lines and Electrical service improved.  This brought restaurants and Golf courses and demand increased as people heard about Costa Rica!   Now… Ocean View land in Costa Rica is too expensive for the average person looking to retire on a small pension.  Belize did the same thing in the late 90s and early 2000s.

We are seeing the same thing happen in Puerto Cayo, Ecuador.  Some of our early buyers in our first community , Las Palmas, have resold lots and realized $60,000 – $80,000 –  even $100,000 returns in 1 to 2 years!  These are real returns, not estimates or promises!  We have experienced this first hand.

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http://www.grandpalmasecuador.com

http://www.palmerabeachecuador.com

Ecuador is positioning itself to attract International investments for tourism and growth on the Pacific Coast. This means that prices will continue to rise and soon be equivalent to those of Belize and Costa Rica .  Now is the best time to purchase in Ecuador.

Look at the U.S.  At one time land prices were wildly different between NY city and the newly settled West Coast. You could get land in California for a few nickels.   Now, what does Ocean View land in California go for?   We can’t touch it!!   So apply the same principles now to Ecuador Property.  The best value for the money is Beach front communities.

How do you find these communities?  There is no real MLS or complete listing agency in Ecuador.  You are left to do your own research. We have investigated a 250 mile stretch of the Ecuadorian Coast and found what we think is the best investment area available. Puerto Cayo sits on a natural bay and feels as though you are on a secluded virgin beach!  Over the last 5 years, we have done the research and investigated where the future growth will be. We have found no other section of beach with the proximity to services and shopping , yet with the small town feel, like Puerto Cayo.

There are certain things that you have to look for when purchasing property in another country, especially in South America.   First:  Location, Location, Location!!  Yes, Beach Front or Ocean View is a must, but also consider the proximity of services.  Internet service, Television, Medical care, Shopping Centers, Restaurants, Etc. What is the growth potential for the area?  Is it an area that will draw tourist or industry? Is it in an environment where my investment will be protected?   Location is vital!   What we have found to be true , during our years in real estate , is that the smallest property in the BEST  area is usually better than the biggest property in the WORST  area!

Second:  You have to be sure that Clear Title can be offered. Some land is Communal , meaning that it belongs to the local community.  It does not have 1 owner who can sell it. Communal Land is basically a land grant from the Government to a group of people. You do not want to get involved with Communal Land.   Also, other things can effect the title, such as family disputes, liens, or other problems with the deed. We offer the advantage of  complete title searches and guaranteed clear title.

Wherever you find that special place for you, it is advantageous to have others around to help look out for your home or lot.  And finding quality Property Management services can be challenging!   Any property that you find in Ecuador or similar countries will have its challenges and differences from the United States , but by making wise decisions and a smart purchase, you can minimize any difficulties and headaches  and MAXIMIZE your enjoyment and return!

We are here to assist you with the best information we have  obtained, with our years of experience in Ecuador real estate.  Remember, it is better to find a secure, steady return and  ENJOY the benefits of owning in a wonderful community with great amenities.  This may be your route to an earlier or more enjoyable retirement,  either  by providing a lower cost of living,  giving you rental income over an extended time period , or giving you that Great return on a Great Investment!
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http://www.grandpalmasecuador.com

http://www.palmerabeachecuador.com

contactus

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

Gary

Learn Spanish in Three Days ONLINE

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

Read below to see why we are offering our Super Spanish course online for the first time.

Speaking Spanish is a huge benefit on its own.  You can become one of the rare North Americans who can get along in Spanish speaking countries.  You can be one of the special people who can communicate with 10 million non-English speakers in the USA.  Spanish is the second most used language in the USA.  There are more Spanish speakers than speakers of Chinese, French, German, Italian, Hawaiian, and the Native American languages combined.  According to the Census Bureau, Spanish is the primary language of nearly 50 million people in the US.  This is the largest Spanish-speaking community outside of Mexico. Only half of these speakers also speak English “very well,” and 19% do not speak Spanish at all.

You can tap into all this potential when you speak Spanish.  Yet there are more benefits.

An article in England’s leading newspaper, the Telegraph, entitled “Why learn a foreign language? Benefits of bilingualism” (1) sum up the biggest benefit of learning a second language and increased intelligence.  The article says: “Learning a foreign language is more than just a boost to your CV or handy for traveling.  It will make you smarter, more decisive and even better at English.  Physiological studies have found that speaking two or more languages is a great asset to the cognitive process.  The brains of bilingual people operate differently than single language speakers, and these differences offer several mental benefits.”

The article then explains studies that show seven cognitive advantages gained from learning a foreign language.

#1:  You become smarter
#2:  You build multitasking skills
#3:  You stave off Alzheimer’s and dementia
#4:  Your memory improves
#5:  You become more perceptive
#6:  Your decision-making skills improve
#7:  You improve your English

Does it sound impossible to learn Spanish in three days?  Yes, it is impossible when you try to learn Spanish in the old, traditional way.

Though you may choose to take more time using this course to learn Spanish, thousands of our readers have learned at our Spanish courses.

There is a scientific method of learning… proven and described in numerous best selling books that create educational jumps by making education natural, easy and fun.   This course works because it is education without stress!

This method was created and refined by the Bulgarian educational master, Georgi Lozanov, who transformed the entire Soviet educational system to such a degree that this third world country beat the USA into space.

Merri was lucky to be one of a handful of students outside of Bulgaria who were allowed to be taught this system in the early 70s.  She practiced this unique and remarkable form of education for  four decades. It was a delight!

Merri and I began integrating these techniques with other shamanic and educational tactics we had gained in our global travels and then applied them to teach Spanish in three days.

The course has been proven again and again by the thousands who have used this system.  You can read a few of the many raves we have received from delegates who have learned from the Super Thinking Spanish course we created.

Here are a few quotes from delegates of the course.

One delegate from St. Louis wrote:  Hi Gary,  Just ended forty-five years in dentistry last week, and I’m on to a new career.  What is my new career?  Still formulating, but the eye -opening,mind expanding Super-Spanish course last weekend in St. Louis surely shows me the opportunity exists to expand my horizons.

Besides having a lot of nice people to learn our new language; the methods Merri and you developed proved to be just what you said they would be.  We all and I in particular relaxed our way to new learning.  I feel so very comfortable with the basis of my new language skills that I know I will be spitting out great Spanish sentences by the time I reach Ecuador in October.  Last year I spent six weeks in Ecuador and now I plan on conversing with the people.

Today’s excerpt of your newsletter really hit home. You do what you say you will. There are no surprises or hidden sales tricks. The only tricks are beneficial to our learning.  Thank you for a wonderful experience that I was quite unable to grasp how you would pull it off.  You did, however, and I look forward to other courses that you offer, and I have absolutely no doubt they also will work beneficially.  Best regards, Denis Molloy.

Another wrote about the Super Spanish course:   Buenos Dias, here is a testimonial for Super Thinking-Super Spanish.  Please feel free to use all or part in promotions for the course.  In addition, you may give my email address to any prospect “on the fence” about enrolling.  Yesterday, in Cotacachi, Ecuador, I finished Super Spanish.  I had high expectations for the course and they were exceeded.

After three days, I can speak Spanish in complete sentences. In simple conversations, such as buying groceries or ordering a meal, I can make myself understood. I think that’s incredible!

Although I am far from the competence level of a native speaker, I feel I’ve taken a giant step forward in learning Spanish so that I can experience the people and culture of Ecuador.  The foregoing benefits would have more than justified the time and money I invested in Super Spanish.  And learning some Spanish was not the most important benefit I got from the course.

Prior to leaving the USA, I had felt for some time that the pace of life there was unhealthy for me (and for most people) and I did nothing about it.

I’ve thought about the pace issue during the course.  One of the key elements Merri Scott designed into Super Spanish is placing the student in the optimal state for learning.  In class, the past three days, I’ve been re-introduced to guided journeys and introduced to the calming effects of Baroque music (www.sundaybaroque.org).  What a blessing! I’m inclined to make one or both a daily part of my life.   Rob Christi.  Cotacachi, Ecuador

Another attendee from a course wrote:   “I took this incredible class a few weeks ago, and I would like to tell anyone that is interested, that it is an amazing three days of learning with lots of laughs included. You leave everyday wanting to learn more and are so excited to do so.

“Other Spanish classes and tutoring made us feel like it would take forever to get to the point where we could put it into practice, but this method gave us a more fluent use for everyday life almost immediately AND the confidence to use it.  It is a fantastic way to show people how much they know and give confidence to learn and use Spanish creating a momentum.

“They made learning Spanish easy and fun in a very relaxed, comfortable atmosphere.  I would definitely recommend this course.  Even if you know some Spanish, this helps make it easier because of the less stress that no verb conjugations gives you.  This gives you more confidence in yourself to try and speak it more.

 “The stress free atmosphere and tons of interaction and participation were very conducive to learning.  The relaxation techniques alone are worth the price.  The fact that I can now feel more comfortable conversing in Spanish with my new friends and neighbors is priceless.  Muchas, muchas gracias.”

“I loved the relaxed environment.  I picked up quite a lot of new vocabulary.  I found this course very informative about how the language works, how I can make sentences and understand others better!  Muchas Gracias!  I had a call from Telcel (the local phone company) after our second class and I was able to speak and understand them for the first time. Despacio (meaning slowly) … a great word!  Everyone should take this course before they pick up bad habits.”

“I liked how simply the course was organized and the positive attitude about learning.  Thank you so much for helping me to learn Spanish!”

“I liked the laid back yet professional approach.  I highly recommend this new, relaxing method of learning Spanish,  I feel a lot more confident in the delivery of my words and sentences. It was taught in an excellent and very professional way.

“It was a very enjoyable class.”

How The Course Works

The first tactic is to use Baroque music in the learning process.  At least three best selling books, “Superlearning”, the “Mozart Effect” and “Superlearning 2000” have revealed insights about how to learn and think more powerfully based on systems drawn from the Bulgarian educational master, Dr. Georgi Lozanov.  Merri Scott was among just a few who learned directly from Lozanov.

The second tactic uses 17 unique lessons to provide Spanish fluency in a short time.   Let me prove to you how this tactic works by teaching you hundreds of Spanish words in less than 30 seconds.

Here is the proof.

“Most words in English that end in ION are almost identical, just pronounced differently.  For example action is accion, education-educacion, manipulation- manipulacion, etc.”

There you have it.  How long did it take you to read the sentence?  You now know hundreds of Spanish words that you will never forget.

See examples of the words you already know below.

How long would have taken you to memorize all those words?  How soon would you have forgotten them?

This is just one of seventeen Spanish lessons in the course.

The next lesson teaches how to pronounce each of the nouns.

Then, the third lesson teaches almost as many verbs, almost as quickly.

The fourth lesson shows how to avoid conjugating verbs by sticking with the infinitive (far easier than it sounds).  This simple lesson leaves a person sounding like a Spanish professor without ever conjugating a verb.

Lesson five shows how to sound infinitely polite and yet get almost anything desired in Spanish.

Lesson six gives valuable connectors and the seventh lesson triples the Spanish capacity with three words for “yesterday,” “now” and “tomorrow”.

By the end of three days you feel comfortable speaking Spanish.

Plus the system is Impro-Dynamic.  This means your Spanish keeps getting better even though you do not seem to be studying… practicing… or speaking Spanish.

I was amazed by this as I traveled back and forth from the USA to Ecuador.  The longer I was away from Ecuador… the better my Spanish became.  My second language was automatically improving The self improving feature comes because you learn to create Spanish sentences rather than remember them.  The portion of the brain that creates is more powerful than the portion that recalls.  When your mind creates something… it owns it!  You do not have to remember .

During the course you learn 4005 Spanish words that you already know .  

You then learn how to create Spanish sentences from these words.

Throughout the course you learn how to pronounce the sentences you create.

When the course ends… the mind keeps working… and creating… so next time you begin to speak Spanish you’ll be surprised .  You improve even though you have not actively worked on your lingual skill.

Due to the difficulty of getting groups together to learn this valuable technique, we created an online program for subscribers to use the Super Spanish course at home.   This is available at the highly reduced price of $79.

I’ll be in touch personally via email with each person who signs up for this course to see how it works or what is required to make it better.  Once this test is complete, we plan to offer the program on a larger scale and at a much higher price.

The ONLINE course has our, full satisfaction or money back, guarantee.  Try Super Spanish for 60 days.  If not fully satisfied, simply let us know for a full refund.

Learn Spanish online $79

Here are more testimonials from previous Super Spanish Courses.

Maggie wrote: It didn’t really seem possible that we would be speaking and understanding Spanish in only 3 days but the course made it happen in a very supportive learning environment.  I would highly recommend this course for anyone wishing to learn “practical Spanish”.  The teaching methods, use of relaxation, the use of native Spanish speakers for pronunciation and the teachers themselves who were approachable and helpful and always positive made this a very valuable class.

This course improved my self confidence in my ability to learn and retain a language.  It was presented with genuine enthusiasm, great energy and the style of learning is very effective. Gracias!  It was a great experience.

Nadine wrote: “Just spent the last 3 days in the most wonderful learning environment learning Spanish.  What an amazing learning experience!!  First day out of class and I could not stop thinking in Spanish WOW!!  I am amazed by how much I learned, retained and how much more is showing up now that I am out of class.  And the best part is THERE WAS NO STUDYING!! Indeed this is Super Thinking!!!  I would highly recommend this to anyone that has ever had a desire to learn another language or learn anything in record time.

And a few days after that ….  As I went through my day, just hanging out with my son, I could see myself starting to think in Spanish.  At first I thought it was amusing but as it continued and increased I thought “My goodness this is really remarkable amazing” It was really an effortless unfolding.  I wasn’t at any point “trying” to think in Spanish, just words I knew would fly across the screen in my mind.  And then this afternoon, my son cuddled up on the couch to watch some cartoons on his ipad and was watching Peppa Pig in Spanish…hmm coincidence?  I think not, I’m radiating Spanish so much that my son is being influenced!  Thanks a million again.  This weekend the best learning experience of my life!!

If you have ever had a desire to learn Spanish this is the way to do it!  By the end of the first day I had more confidence and more practical ability than I had from any previous courses I had taken.  It was fun and relaxed and full of laughter.  You will leave this class excited to use what you have learned.  Rather than leaving overwhelmed with how much you have yet to learn and master, you are equipped with the knowledge and know how to go out and communicate as well as the excitement to do it!”

Gary noted:  “The whole approach is positive and conducive to learning at a level that benefits ALL participants.  It is not intimidating and does not set up a pass/fail atmosphere.  The presenters are terrific and the results unbelievable.  It was relaxed, informal, friendly and effective.”

Twila said:  “This class provided a very refreshing and relaxed way of learning.  The atmosphere felt very safe to say the words you were practicing.  I learned a lot in a way that will make it easy to apply.  Starting with conversation is way more fun.  How quickly you can learn!  It was a great group, great instructors and great stories.

The atmosphere in the classroom was so relaxed that learning Spanish felt like a breeze and not like a painful task.  The relaxation exercises are really conducive to language learning.  We learned A LOT in a short time and it was fun and the environment was non-threatening.”

Brigitte sent this:  “Buenos Dias, Suzanne. su clase de espanol es excelente! Muchas Gracias!  
I have already done what you suggested and went into the program listening to the music and going over the lessons.  I know: Repetition……reinforcement…..thinking in the new language….it’s all part of it.  I loved your course and will certainly recommend it to friends.  Who knows….I might feel the urge and have the opportunity to repeat it at your beautiful place in Puerto Aventuras…..Quien sabe? Hasta otro dia y saludos a su familia.”

Marie wrote:  “I would highly recommend this course.  The amount covered in 3 days is amazing!  All with no stress.  The correlation lessons and pronunciation practice has greatly reduced my anxiety to go out and use my Spanish.  I really enjoyed the whole process and thank you for the take away tools.”

Learn Spanish online $79

Gary

Here is the English translation of a few of the many Spanish words you now know and will never forget.  How long would it have taken you to memorize them?  How soon would you forget?

“Most words in English that end in ION are almost identical, just pronounced differently.  For example, action is accion, education-educacion, manipulation- manipulacion, etc.”

Some more of these words:  Combination, Attrition, Education, Vacation, Petition, Lotion, Motion, Construction, Abduction, Pronunciation, Concentration and a ton of others!

Learn Spanish online $79

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

Surging Home Prices Are a Double Edge Sword

Good Natural Health is Beachin


Natural health can be improved in easy, enjoyable ways… such as “beachin”.
There is wisdom in the masses… so we can usually learn useful information when we observe what people do…. such as…

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go to the beach.  This is the Ecuador beach viewed from Palmazul spa.

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

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

The book suggests that there is an uncanny and generally unconscious collective intelligence at work. The book shows how clouds of birds seem to move in one mind but actually are each acting on their own following four simple rules: #1) Stay as close to the center as possible, #2) Stay two body lengths away from your neighbor, #3) Do not bump into another bird and #4): If a predator dives at you, get out of the way.

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

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

So why do people go to the beach?

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I know I love playing in the warm Pacific waters on Ecuador’s beach.

Jean Marie Butterlin who conducts the Ecuador tours advertised at this site helps explain health benefits from walking on Ecuador’s beaches.  Any beach will do if we can keep them clean.  Here is Jean Marie’s article from our Ecuadorliving.com website.

Ecuador  Beaches, Health and Anti-Aging

By Jean Marie Butterlin

One of the healthy habits you acquire very quickly,  when you live on the Ecuadorian coast is to walk  for about 30 to 60 minutes everyday on the beach in the splash zone, where you just get your ankles wet.

This has 3 main health benefits :

Beach Health Benefit #1:  You breathe in a lot of negative ions that are produced by the waves crashing on the sand. without adequate negative ions, we are literally
working ourselves to death and we don’t even realize it.

Here is an excerpt of an article on negative ions and all the benefits.

“The action of the pounding surf creates negative air ions and we also see it immediately after spring thunderstorms when people report lightened moods,” says ion researcher Michael Terman, PhD, of Columbia University in New York.

Vitamins of the Air?

Generally speaking, negative ions increase the flow of oxygen to the brain; resulting in higher alertness, decreased drowsiness, and more mental energy,” says Pierce J. Howard, PhD, author of The Owners Manual for the Brain: Everyday Applications from Mind Brain Research and director of research at the Center for Applied Cognitive Sciences in Charlotte, N.C.

“They also may protect against germs in the air, resulting in decreased irritation due to inhaling various particles that make you sneeze, cough, or have a throat irritation.”

And for a whopping one in three of us who are sensitive to their effects, negative ions can make us feel like we are walking on air. You are one of them if you feel instantly refreshed the moment you open a window and breathe in fresh, humid air.

“You may be one of them if you feel sleepy when you are around an air-conditioner, but feel immediately refreshed and invigorated when you step outside or roll down the car window,” Howard tells WebMD

Beach Health Benefit #2: Fitness. You are getting a good half hour to an hour’s exercise, that help you keep your body in shape, helps lose weight and feel fit.  You gain greater benefit from enjoyable exercise.    Aside from the great view of the ocean, there are many other benefits of walking on the beach. Walking in sand requires a bigger effort than walking on a hard surface. Your muscles and tendons will work harder.
Walking at a slower pace requires more effort than walking fast or even jogging. Walking in sand requires 2 to 3  times more energy than walking on hard surfaces. Jogging in sand uses about one and a half times more energy than jogging on hard surfaces.

Beach Health Benefit #3: Purification. By walking barefoot on the sand, you are releasing through your feet a lot of toxins.

Another positive effect of bare foot walking, which most of the people are unaware of, is that it helps the leg muscles pump blood back to the heart. This makes it beneficial for those who are suffering from the problem of varicose veins.

In traditional exercises, like yoga, tai-chi and other martial arts, it is believed that being barefoot helps a person absorb Chi, the life-force energy. As you walk with your feet bare, you increase your vitality. At the same time, it helps you think clearly and increases your capacity to work.

Walking barefoot acts as a reflexology massage. The plantar surface of our feet is sensor rich and walking barefoot will stimulate all reflexology points and their associated organs throughout the body.

To walk everyday on the beach requires some discipline but it is well worth the effort and the joy;  each time I come down to San Clemente and Bahia with delegates on tours, I enjoy walking for a couple of miles up the beach towards Chirique; I usually do that at 6:00 a.m. and I am the only soul except some fishermen who are hauling their nets back to shore; I have to admit that I walk in a semi-meditative state, when the sun starts rising. You can make it a walking meditation out of it, with the awareness of your direct contact with Mother Earth.

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Where in the world can you afford to enjoy the health benefits of walking on  a beach every day ?

Living on the beach can be costly but not in Ecuador, where you can still find small 10mx20m lots on the beach in Crucita from $8.000 and up.

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or 1,500 sq.ft condos for $65,.000 to $75.000 right on the  beach also.

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Here are some of our delegates walking on the beach in San Clemente during our July Mid-coast real estate tour ; they got to enjoy spending time on the beach every morning and evening to get all the healthy benefits.

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Jean Marie

As of August 1st, International Morya Internet run by Jean Marie Butterlin (whom we have been working with for some years) has acquired our Ecuador tour business.

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Delegates at our Cotacachi Super Thinking plus Spanish Course.

Jean Marie has added new tours and expanded the length of others, so see the new schedule below.

Jean Marie Butterlin, was born in France and after graduating in 1977 from the engineering college ICAM in Lille (France) moved to United States where he developed a homeopathic and dietary supplement business in Houston TX, with an aim at exporting the US made products  into Europe, with emphasis towards Belgium and France.

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Jean Marie Butterlin.

After living part time on both sides of the Atlantic he moved back  in 2002 to Europe where he has a prosperous business in the natural health field i.e. phytotherapy, mineral supplements, specialty cosmetics, as well as Quantum medical technology, internet publishing for the anti-aging market.

This quest for anti-aging remedies, products and techniques has lead him to discover Ecuador with its valleys of longevity, where he is researching and developing new approaches to live longer and better and bringing the new products and techniques to more and more people in the United States and Europe.

Jean Marie moved with his family to Cotacachi last year.

International club members will still attend all 2010 tours free.

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Delegates at a shamanic minga tour.

See the updated Ecuador tour schedule below.

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Delegates on a Coastal real estate tour.

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Delegates on an Imbabura real estate tour.

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.

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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.

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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.

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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.

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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 Real Estate Information


The Ecuador beach real estate information below can help you decide if the middle Ecuador coast (Manabi Province) might be a place for you or not.

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San Clemente fishermen in front of Palmazul at dusk.

We have ten mid Ecuador beach real estate tours from December 2009 to December 2010, each lasting 4 days including travel to and from Manta. You should arrive in Ecuador one day before the tour travel date.

How is this for an Ecuador beach view?

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This is a view from houses built above Crucita.  We bought condos just off the beach about three fourths of the way to the bluff in the distance.

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

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Our mid Ecuador coastal real estate tours cover a 60 miles stretch of beach from Manta to Bahia.

The tours focus a half day each on Manta, Crucita, San Clemente and Bahia.

Here is a house for sale in Crucita, front…

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and back…asking $105,000.

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Is this close enough to the beach?  Remember that tides and high waves diminish as they grow closer to the equator and this beach is on the equator…in Ecuador.  What a relief not to have the worry of hurricanes on the equator and much less worry about coastal erosion.

More on the tours in a moment…first some geography….and three warnings.

There are four Provinces on the coast, Esmeraldas, Manabi, Guayas and El Oro. Three main cities are Esmeraldas in the north. Manta (Manabi) in the middle and Salinas (Guayas) much further south on the coast.

Development radiates from each of these towns. There is much less developed property between each.

There is enormous growth potential in each of these areas…but let’s get down to the nitty-gritty, the three warnings, first.

Warning #1: Health

We rarely go south of Salinas into South Guayas or El Oro Province.  The beach gives way to mangrove…conditions are more primitive and there are health concerns. For example one authoritative medical website wrote:

“5 persons have died so far in 2006 because of meningitis and hemorrhagic dengue, conditions that are affecting coastal areas in Ecuador , Dr. Ivan Zambrano, Ecuadorian Minister of Health, announced on Thursday, 09.02.2006. He pointed out that the main epidemics caused by the intense rainy season are classic dengue fever (561 confirmed cases) and hemorrhagic dengue fever (23 confirmed cases, including 3 deaths). He indicated that coastal provinces mostly affected by dengue fever are Guayas (310 cases) and El Oro (Peruvian Border, 118 cases). Dr. Zambrano stated that the sanitary situation in Ecuadorian coast is ‘worrisome’ because of the effects of heavy rainfalls.”

If you plan to go south on the coast, see a MD and get your vaccinations. Merri and I do not take shots so we generally avoid this part of the coast. Plus the water is not so good on Ecuador ’s coast. Unlike our high Andes hotel, El Meson de las Flores, where we drink water from the tap, we drink only bottled water…anywhere on Ecuador ’s coast.   Over a decade ago, when we were exploring every inch of Ecuador, we went to this area and it was the only place that we were sick…and also found that this area did not hold our interest in any way.

Warning #2: The Shakes

There are also…like in California , earthquakes. The Andes and this region is a new geological location (in geological terms) so this area is more prone to the shakes than for example our home in our other home North Carolina’s Blue Ridge which is a very ancient, very settled geological formation. The equator is delightfully free of hurricanes and typhoons…but I guess anywhere there is a huge body of new mountains and large amounts of ocean there is some risk of natural disaster. Earthquakes are this regions nemesis…and yes, there is earthquake insurance.

Warning #3: Colombian Guerillas

Plus we avoid Esmeraldas…too close to the Colombian border. When you are in doubt about an area, a simple rule of thumb is …”follow the missionaries”. They are a fearless lot, going places where most people won’t. If missionaries won’t go somewhere, you probably should not either. The Latin America Missionary web site recently wrote about Esmeraldas:

“Miami (LAMNS)—New reported threats against Americans in Colombia are once again causing U.S. missionaries to be careful about their movements. Along Ecuador ’s coast near the city of Esmeraldas , Batchelor reported that missionaries have had to take caution.”  Another thing that has caused us to not have interest in this area is that it had more humidity and heat…and although we love the sun, we do not like these qualities.

There you have it…three warnings. This may seem a strange way to invite you on a tour, but having taken thousands of people there…all, I might add, without a single mishap…I know that some people should not come to Ecuador’s coast at all. I hope I have weeded the more particular who only like their sand and surf, mopped, groomed, with casinos, shopping centers and lots of entertainment. If you love immaculate, sterile, cold, paved, polished, flashy or high rise…do not come on this tour! Stop reading here.

This may seem strange because you may not have heard this before from those who sell land on the coast. They may forget to mention these warnings because they want you to buy land on the coast. Selling that land is their job.

We are publishers and we sell information, contacts and tours.  We offer tours all over Ecuador. We do not sell real estate. Our obligation is to you, our reader, and we never take commissions or any reward for the sale of land. Our staff is forbidden to accept real estate commissions. One developer in this area offered to give us a fully serviced lot with incredible ocean views. He appreciated that 16 of our tour delegates had purchased lots from him. We were polite but we refused to accept the gift.

We are looking after you our reader. We are not property sellers! In fact we will encourage you not to buy real estate on your first trip…though I have to admit we are often ignored.

Having said this…for the adventurers and even slight adventurers, if you would like to see mile upon mile of coastline that is empty, wild, wonderful, alive, beautiful paint peeled and a bit rough around the edges…then read on!

The Ecuador mid coast real estate inspections begin in Manta, which is the major city where you will see condos, houses, some theaters, shopping malls, etc. We visit many Manta condos like this, with…

Ecuador-Coastal-tour

views like this.  They typically run about $100 a square foot.  This is usually the most expensive price you’ll see… by far.

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Another Manta condo has…

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this view from condo balconies.  This condo has a nice infinity pool with quite a view.

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We look at Ecuador beach property in San Clemente also. This is where Merri and I have purchased.  Our apartment is top floor, left here at Palmazul Spa.

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These are 1,200 square feet, two bedroom, two bathroom condos selling as low as $79,000 including clubhouse membership.

Here is one of our groups taking a closer look from the roof garden of one Vistazul condo.  These beach condos are just one of many properties we view on our tours.

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Merri and I scoured Ecuador for 13 years and have driven its coast, top to bottom, again and again. We have taken thousands of people on real estate tours here. We finally settled in the high Andes and this part of the beautiful Pacific. We have a house in the mountains and our apartment and condos here on the sea.

The tour actually begins a day before the group starts looking at real estate when flying from Quito to Manta.  Then travel from Manta by luxury bus and inspect real estate in Manta, Crucita and the next day north to Bahia and return to Quito on the fourth day.

We stay at Palmazul and see the Vistazul project where the spa facilities are available to home owners. Nice… living in a spa, on a beach, Palmazul. Tennis court, pool, beach, fine dining, exercise room and all.  The hotel provides a nice discount to tour delegates by the way.. only $60 a night ($45 per person for double occupancy) plus 22% service & tax. This includes breakfast & dinner.

We look at all types of property for sale in this area. Here are more Palmazul shots.  Here is the beach at Palmazul looking to north and…

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south.

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We view condos offered for $30,000,  $25,000… even some cute little, three bedroom houses just off the beach that are $21,000.

Then we’ll head north to Bahia, the nicest town on the coast, Bahia has 50,000 people and is Ecuador’s first Eco City. We view condos, houses and lots for sale along the way. Here is a Bahia beach condo.

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Condos like this are often offered at $75,000 with views like this…

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and…

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wonderful sunsets.

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In Bahia, we’ll also stop by Casa Ceibo to see how an old houses like this…

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This is an old B&B for sale at $60,000 (asking) near Vistazul.

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Casa Ceibo was an old house transformed into…

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a luxury, boutique hotel that…

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our delegates enjoy visiting.

We cram in as many properties as we can without neglecting some time for fun and relaxation.

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We also take walks on the empty San Clemente beach.

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What specific properties will be shown? I do not know. The tour is researched just before we start, inspecting land and buildings that are for sale at that moment so we can maximize the efficiency of your trip. Our goals are to find a cross section of property.

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

I guarantee that you’ll save time… and avoid trouble. You’ll gain safety,  get to see many more properties on wonderful surf and sand.. than you would see on your own.

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

The fee does not cover round trip air fare from Quito to Manta, accommodations or food. Quito/Manta round trip fares (our group price) are $98 at time of this writing. Palmazul is $60 per night ($45 per person for double occupancy) plus 22% service and tax including a full breakfast and dinner. A typical lunch is $5.

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.

Fwd: keppler

Michael Kepler CEO Keppler Asset Management.

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

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

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

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

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

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

Here is the Pifolio I personally use.

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

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

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

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

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

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

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

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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.

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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.

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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.

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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.

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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.

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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 Real Estate Pictures


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

See pictures of property we view on our tours.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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We also take walks on the empty San Clemente beach.

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or a dip in the pool.

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

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

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

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

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

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Join us and our hound Ma on the beach…

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

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

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