Tag Archive | "GaryaScott.com"

Capture the 2020 Decade With 20/20 Vision

Happy New Year.

This is the time for 20/20 vision that brings a new you… new opportunity… new fulfillment… everything that’s good in this decade of 2020s.


How can we help you see and achieve your dreams clearly?

Make no mistake about it, we are entering a new decade filled with dangers that will ruin and enslave and addict more people than not.   Big business is slamming the population at both ends of the age spectrum.

Americans start getting enslaved in debt early.

Starting last year Americans were more burdened by student loan debt than ever.  In 2018, 69% of college students took out student loans.  The average debt at graduation is $29,800.  In addition 14% of the students parents took out an average of $35,600 in federal loans to get a child through university.

Here’s a truly scary statistic: Americans owe over $1.56 trillion in student loan debt, spread out among about 45 million borrowers. That’s over $500 billion more than the total U.S. credit card debt.

Then we are whacked at the end as well with failing pension, super low interest rates and hideous medical costs.

According to the Wall Street Journal article, “In the U.S., an Angioplasty Costs $32,000. Elsewhere? Maybe $6,400”.

A study of international prices finds American patients pay much more across a wide array of common services.

Plus life in the middle stages is so stressful that opioid addiction has taken a major death toll.

Never have so few taken advantage of so many.  And the few have become rich.

OxyContin maker Purdue Pharma LP for example filed for bankruptcy protection after more than 2,600 lawsuits were filed alleging the company helped fuel the deadly U.S. opioid epidemic.

Yet over the decade the Sacklers, the family in control of Purdue transfered $10 billion out of Purdue Pharma to its its trusts and holding companies, according to a New York Times report.

There is danger at all ages and traps we have to avoid to take advantage of the riches that will abound in the decade ahead.

What will the 2020 opportunities be? 

No one knows.  Look at how fast amazing new opportunities have grown in the last decade.  New ideas changed the way we live, work and invest, yet a decade ago they were barely known.

Ten years ago you would have looked at me strangely if I had talked about Uber, AIRBNB or Spotify for example.

Uber went live live for the first time in May 2010.

In 2010 Airbnb had just started with a few thousand listings and less than 100,000 registered users.  It now has millions of listings in hundreds of countries and tens of thousands of cities.  Airbnb hosts have hosted over 40 million guests and the company is worth an estimated 25.5 billion.

Spotify launched in the United States in 2011. By 2017 it had 140 million active viewers.

Here’s a new year’s prediction.  We’ll see equally rapid morphs of opportunity in the decade of the 2020s.

Yet we have to maintain our health so medical costs do not ruin us.  We need to avoid the enslavement of debt.   In addition our investing must protect against the robbers on Wall Street as well as tap into the incredible growth that innovation is bringing our world.

Here’s one more example of how big Wall Street are ready to rip us off.

Stock-picking fund managers are more willing than ever to lend their shares to other investors, including the short sellers who bet against those investments.

Take for example the new trend of fund managers lending their shares to short sellers.

A growing number of fund managers have begun to lend their shares to other investors, including short sellers who bet against the very same investments the fund manger has picked for you.

About 52 of the 100 largest investment firms now lend, and another eight are considering it.  This includes the big fund managers like Fidelity.  BlackRock Inc. and the Vanguard Group, already run their own securities-lending units.

Being the lender of shares to short sellers turns asset managers and pension funds into being silent enablers of investors who seek to profit from the downfall of the very companies they have invested in for you.

We offer ways to help you:

  • Be smarter
  • Maintain natural health to avoid costly medical traps.
  • Write to sell so you can tap into upcoming new business opportunity
  • Live Anywhere yet earn everywhere so you are truly free
  • Invest in low cost global value equities so you can own the most profitable shares in a way that big financial companies cannot rip off your profits with charges and fees.

Special half price offer January 1, 2020 to January 6, 2020.

To share the experiences we have gained in 51 years of global travel, business and investing here is a coupon code NY2020 from today through Jan 6 to save 50% on any of our reports and subscription. For subscriptions it applies only to initial purchase. It cannot be combined with other coupons (such as adding to Speak Spanish coupon).

#1: Help Avoid Health Cost Disasters With Natural Health

#2: Capture 2020 Opportunity With Greater Intelligence

#3: Live Anywhere Earn Everywhere

#4: Invest in Global Value for Maximum Safety and Profit

#5: Earn Income With Words

#6: Speak Spanish in Three Days

#7: Biggest Savings of All – International Club



5,000 Self Publishing Steps

5,000 self publishing steps started in the late 1990s.   We sold our print publishing business.  We sold our 7,000 square foot, nine bedroom house in Naples Florida.  We bought an abandoned 200+ acre farm in North Carolina and moved into this tent.


Merrily Farms – Little Horse Creek

We bought an abandoned Ecuador 900 + acre hacienda and, during the winter, lived in a tin roof shack with no electricity or hot water.


Rosaspamba – Andes

We started our www.garyascott.com website.

This site passed a milestone in early 2o16, when our 5,000th free article appeared.  This is the 5,037th.  Every once in awhile I look back to see if the thoughts we have shared in the past were headed in the right direction and to find out if ideas that applied decades ago, still applies now.

Here is an excerpt from one of the first messages posted at this site almost 20 years ago. See if you feel that these ideas can still help make your life better.

Inspired Investing-More PIEC.

This year I have written often about the incredible financial power of having your own business in this era. This advice is based on the principles outlined by Austrian economist, Joseph Schumpeter, on how innovation creates industrial revolutions that alter the way we live, work and earn and keep money. We reviewed five great economic eras that began in the late 1700s:

ERA #1: 1785-1845-fueled by water power-60 years. Textiles and iron works were the backbone of growth industries.
ERA #2: 1845-1900-fueled by steam-55 years. Railways and steel provided the main growth in this era.
ERA #3: 1900-1950-fueled by the internal engine-50 years. Electricity and chemicals provided the major growth.
ERA #4: 1950-1990-fueled by electronics-40 years. Petrochemicals and aviation were the innovations which became mainstream in this period.
ERA #5: 1990-current-fueled by digital networks- 30 years+ ? Software and new media create the growth elements in this era.

The innovation that has led us to this current era allows us to increase our wealth and fulfillment in life at the same time by developing a Primary Income Earning Capacity, (PIEC). PIECS allow us to make money and feel better by looking within to find ways of turning our passions into wealth.
All of this innovation means we are in a continual state of turmoil and change. We have to work harder and look deeper to keep up, but the world is open to anyone who wishes to have riches beyond belief. The wealthiest billionaires of today were unknown just a decade or two ago. They have made incredible wealth in industries that have only existed for a few years.

This innovation empowers the individual!  Today we have faster and faster computers, the Internet, the information access. All this allows you, me, anyone to be incredibly efficient, anywhere in the world! All this allows us to identify and reach markets very easily.

Everything is about to change yet again.  The billionaires of today are likely to be the has beens of tomorrow and this is happening sooner than anyone can imagine. Never before has an old boys’ network been overturned so fast. The railway and oil magnates of the first and second era dominated the world’s wealth for centuries. Electronics, car and airline multimillionaires lasted perhaps 50 years. The Internet and communications wealth will be overshadowed in as little as a decade.

Add this all up.  Change.  Access to markets and information.  Ability to plan, organize and sell.  Anyone can take advantage of these opportunities and use them in small or large ways.

The beautiful thing is we can take advantage of this era to make money and avoid great dangers at the same time!

Opportunity Equals Danger.  Avoiding the danger is important because each era of change not only brings new benefits but brings new dangers as well.

Today, speed of light information technology creates a huge threat to our wealth.

Not keeping up today is a big risk.  Innovation builds new ways of life and in the process is destructive to the old. T raditionally accepted ways of working, investing and saving are not working as well as they did if at all.  The Internet is making many, many businesses obsolete.

For example, take my business of publishing.  The old ways of just printing a monthly newsletter no longer makes sense.  Too much data is too readily available over the Internet. The timing of a monthly publication becomes too slow.  There is still a market for newsletters to be sure, but enough of the market has gone or is going electronic that the printed newsletter market is a diminishing one.

Remember whatever you do, try not to have a business that grabs an ever increasing share of an ever diminishing market.  (Think about the remaining buggy-whip manufacturer, if you don’t understand what this means).  Jack Welsh, the president of General Electric (a well managed organization that grew out of Era #3 summed this up when he explained the following: When the internal rate of change in a business is slower than the outside rate of change, the end of the business is in sight.

The answer of course is to embrace the change and let your business evolve. This is true whether your business is one that you personally manage or is one in which your participation is as an investor.

I continue to hammer away on the idea of following your passions because I have been so lucky doing so.  Over the years I always seem to be in exactly the right place at the right time, again and again.  Without ever recognizing what I was doing I was stumbling through the process of keeping up without giving it any thought.  I have always accomplished this by following areas that interested me personally.  This allowed me to take advantage of what I call the Golden Rule of Simplicity which is to do what we love by learning to market from the heart.  This puts us in touch with millions of others just like us!  If we get in touch with our hearts, we are looking into the hearts of an entire market who feel and desire as we do. This is so simple yet it allows us to have the most finely tuned market research in existence.

Dream Solution I recently discovered a line of thought that can help us better focus or define how to use the rule of simplicity.  I was speaking at a conference with the head of a think tank in Denmark, who gave a speech entitled the “Dream Society-How to Spot Upcoming Trends”.  This gentlemen gave seven points that will affect markets in the current era.

* Trend #1: The rate of change will increase. This is self evident.

* Trend #2: The rate of private consumption will grow.  From 1884 to 1995 private consumption just about doubled, but increased 25% in the past ten years. This means that the amount of money spent per person will continue to grow. This also means that the amount of discretionary income per person is growing.  This also means by the way that society will have to continue to embrace technology. The only way to increase private consumption is through the generation of more output with less input. In other words, productivity has to grow before private consumption can grow.  Improved productivity is normally gained through the use of new technology.

There is a second part to this second trend.  Though private consumption will grow, less material goods will be purchased.

The growing trend is for the purchase of immaterial goods, such as sports, entertainment, health, communication and spirituality .

He pointed out Maslow’s Need Hierarchy which is: Physical – Security – Social Needs – Acknowledgement – Self-Realization.

In western society we now pretty much take the perfection of physical and security needs for granted. If we buy a new car. we expect it to run and to run pretty much perfectly. This is true of most consumer products, so we don’t choose one car over another for that material quality. We instead buy cars which fill social needs (for example, a mini van for our large family) or for acknowledgement such as an expensive sports car which has very little utility or a large sports utility vehicle with more utility than most of us need.

The key to understanding these facts is that the higher people move up the hierarchy, the more they will pay for the satisfaction of their needs.  Pound for pound, a Chevy Caprice is a lot more car for the dollar than a top line Porsche (the owner of the Porsche has to risk life and driver’s license to even use the performance feature).  It is the implied power, the acknowledgement that the Porsche owner is paying all the extra thousands for.

* Trend #3: There will be more automation. In the process of automation, mankind works through another type of hierarchy to supplement muscles first, brains second and feelings third.  This fits Maslov’s Law of Needs explaining why tractors and forklifts were invented long before computers.
This knowledge can help us see why the future for mood altering equipment, machines and drugs will grow. As automation takes over all of the physical jobs we have to do, then we’ll start looking for ways to automate our emotions as well.  This speaks well for the entertainment industry and explains why people get so caught up in sports for example.

Here humanity throws in another interesting twist because the more we perfect automation in an area, the more retro we become. Once we perfected central heating there was an explosion in demand for fireplaces.  This explains why, in the United States which has perfected its road systems and has such large urban areas that almost no one needs to venture into the country, the fastest growing segment in the auto industry is the four wheel drive sports-utility vehicle.

* Trend #4: Age, sex and wealth are becoming increasingly irrelevant.  Society is going through a great convergence which explains the end of segregation and the advancement of basic human rights.  This is why U.S. armies (or NATO’s armies acting at America’s bequest) are now allowed to invade so many places. It has always been politically okay to invade the space of another nation if it is in the name of a “good cause”.  The end of discrimination is causing the description of “good causes” to dramatically narrow.  This also dramatically alters markets. Look at the ads for the vitamins called Centrum Silver which show a mature couple in some form of physical activity.  The slogan of the manufacturer is “It’s a good time to be silver”. Look at how adults buy items that used to be for the kids, such as bicycles. The subject of bicycles leads us to the next trend:

* Trend #5: There will be a shift of attitude from our brain to heart.  Once mankind has taken care of its basic physical needs, it will revolt against the tyranny of reason. Function (such as the well running car) is taken for granted. Now there is a m arket for stories not products.  One example,used was that in  Denmark the highest point of land in the country was not over a few hundred feet. Yet guess what the best selling bicycles in the country are? Mountain bikes, of course.  Look at the strong markets: for belonging, love, togetherness, identity, adventure, anchored values, conviction and caring, not products. Housing was another example he used.  More and more people demand having huge family style dining rooms while eating out grows enormously. This fact has very much to do with the next trend.

* Trend #6: Families will turn more and more of their responsibilities to the market place. Cooking and eating out were one of the first signs of this trend.  Then came the giving up of entertainment (how often do you stay home and play games with the kids).  Look at the growth in businesses for child upbringing and care of the elderly.  See how our health and financial care are become given over, more and more, to the insurance companies, HMOs and other such businesses.  Even the emotions of our kids, (including the huge growth in sales of prescription drugs) are being serviced by business now.  Parents are more likely than ever before to call in a party entertainer for the birthday of the kids. Weddings are more and more organized by wedding planners than ever before.  Where we live up here on the farm in the mountains when someone passes, their loved ones go out to the family cemetery, dig the grave and bury their own.  This used to happen all over the country.  When was the last time you attended such a funeral? Now all of these ceremonies are dealt with by business.

* Trend #7: The growth in markets will be for stories, not products.  One example given was for selling eggs. He explained how the typical, not tuned in farmer can sell an egg for 10 cents in Denmark.  The product has become commoditized.  This is an important clue.  You do not want to be in a market where the product becomes commoditized.  The only way to compete in such markets is through lowering price.  This usually requires a reduction of profits or a huge infusion of cash.

Then he went on to explain how some smart farmers had caught on and started offering free range eggs.  Now they were not selling eggs.  They were selling a story of health. This is still just an egg but now it can sell for twenty cents!

But the really smart farmers have taken it a step further.  They allow families to come to the farm, enjoy the fresh outdoors and work as a family collecting the free range eggs.  Still the same egg but the story is different, health, togetherness, anchored values.  These eggs sell for thirty cents!  The

Power of the Heart

The egg example was inspiring to me because I was wondering why we had just set up a flock of Cornish hens (for the eggs) high in the Andes mountains where Merri and I had purchased a plantation.  This is the power behind the Golden Rule of Simplicity.
But how do we get in touch with ourselves to use this enormously powerful law?

Understanding and being able to follow our intuition can be enormously difficult, but an anonymous 14th century Samurai warrior gives us a clue how to do this. This Warrior’s Creed explains what to do better than I could, so I’d like to share it here with you.

A WARRIOR’S CREED I have no parents: I make the heavens and earth my parents.

I have no home:  I make awareness my home.

I have no life or death: I make the tides of breathing my life and death.

I have no divine power: I make honesty my divine power.

I have no means: I make understanding my means.

I have no magic secrets: I make character my magic secret.

I have no body: I make endurance my body.  I have no eyes: I make the flash of lightning my eyes.  I have no ears: I make sensibility my ears.  I have no limbs:  I make promptness my limbs.

I have no strategy: I make unshadowed by thought my strategy.

I have no designs: I make seizing opportunity by the forelock my design.

I have no miracles: I make right action my miracles.

I have no principles: I make adaptability to all circumstances my principles.

I have no tactics: I make emptiness and fullness my tactics.

I have no talents: I make readiness my talent.

I have no friends: I make my mind my friend.

I have no enemy: I make carelessness my enemy.

I have no armor: I make benevolence and righteousness my armor.

I have no castle: I make immovable mind my castle.

I have no sword: I make absence of self my sword.

Whether we are investors or business people, we are commercial warriors. Despite industrial eras, technology, innovation and all the miracles of our modern world, the true nature of life, commerce and business has not altered one bit.  Run your business or invest with this wisdom and you will not be able to fail.


Seven P Secrets of Self Publishing

When you write, you can work anywhere. 


Here I am working poolside in the winter, at our Florida farm.

gary scott

Here I am with our hound Ma, working during the summer at our North Carolina farm.

Learn how to earn everywhere, while living anywhere you choose.  I have been able to earn by writing in Hong Kong, England, the Isle of Man, Dominican Republic and Ecuador to name a few of the places I have lived.   Anywhere I am,  I am  able to work.

All I need is my laptop.

That’s all you need too… a laptop to be free!

Before computers, a pencil and pad did the job.

Freedom is just one benefit you can gain from a laptop business.

Another benefit is income.   Writing has brought me both our farms in Florida and North carolina, free and clear… plus a lot more.

Another good example of earning potential is my friend Hugh Howey.   He was working for $10 an hour in a book store when he self published his novel Wool, typing in a storage room during his lunch breaks.

Soon he was earning over $100,000 a month on Amazon.com.  This helped secure a six-figure book deal from Simon & Schuster, and an option for film by Ridley Scott, director of Blade Runner and Alien.

That’s what he’s doing now.

Hugh Howey

Hugh and I playing chess (he beats me badly).

Writers like Hugh are great inspirations.

A couple of years ago Hugh  left Florida, and moved to South Africa.  He had a sailing catamaran built for him and now can sail the world while he continues to write.

Hugh explained it like this: And that’s the miracle of working as a writer: I can do it from anywhere and everywhere. The past few years, I’ve done a lot of writing from airplanes and airports while on business trips abroad.  SAND was entirely written overseas while traveling through seven different countries; I think it’s a better story because of those inspirations.  In upcoming years, I may be writing near your home port.

Hugh’s a super star writer and his success could not happen to a more deserving and talented person.  He pours enormous energy into being worthy of his readership.  But you do not have to be a million dollar a year earner or a traveler to benefit from writing.

The good news is… you do not need a huge success to have a rich and fulfilled lifestyle.  Self Publishing can bring you a life that most people only dream of, as a journeyman writer, instead of a super star.

May I hastily add that the path to stardom begins as a journeyman… so the journeyman’s path brings success without stardom… but can also lead to stardom.

What most success stories like Hugh’s rarely explain is the many hours of writing that was devoted before their self published book sales soared.   Hugh, like most writers were journeymen first.  Stardom came later.

Here are sevens secrets that can help you become a journeyman writer. 

The secrets are a writer’s armory of tools that allows almost anyone to create successful publications for income, freedom and fulfillment.

Take Merri’s and my publishing business as an example.  

Merri and I are not writing stars.  We are journeymen who have for more than 40 years, year in and year out, earned solid income writing and self publishing dozens of publications about multiple subjects.

Some years that income has been more than solid… over a million dollars.  Yet in terms of stardom, we are hardly known.

In a moment you’ll see why that’s fine for us and probably will be for you too.

First some history.

Merri became involved in self publishing over 40 years ago… first helping a veterinarian publish a book on a very specific market… animal acupuncture. Then she showed a needle point artist how to sell more books to an even more specific audience… “needle point enthusiasts”  about her needle point work to an audience larger than the population of the city she lived in.  This led Merri to eventually become Executive Editor of an award winning magazine in Florida.

My story allowed Merri and me to work and live from Hong Kong to London to Europe to Eastern Europe, then the Caribbean and then Ecuador… making millions in the process of following our adventures… having fun… while helping a large readership adapt to a rapidly changing world.

That’s what self publishing can bring, profit, adventure and fulfillment, a great feeling of worth and wonder.

Self Publishing has created exactly the lifestyle we desire allowing us to span the world and work with meaning and purpose.

Self Publishing has become a new business art form. 

The seven secrets can help you start your own self publishing business now.

Everything in publishing is new and exciting and changing.  Publishing is being recreated by the wonderful power of destructive technology.

Everything is new… except the seven secrets. 

Change in the publishing industry is disturbing many.   We love this evolution due to these seven secrets we call the 7Ps.  The 7 Ps are so fundamental to writing and publishing that new technology enhances rather than reduces their power.

The First P is Passion.

Whatever your passion, you can immerse yourself in it AND create income with self publishing.  This can be your direct ticket to the kind of fulfillment you’ve always wanted.

Whether you want to travel the world or live as a recluse, work 12 hours a day or not work much at all,  you can set your schedule to succeed, if you’re willing to learn these seven secrets.

You can start part-time with any dream, passion, and budget.  Once you’ve created a product, you’ll enjoy the “multiple effect” of producing profits over and over again.

So the question is… What do you love to do?

What’s Your Passion:  An example is that thirty years ago, a client of Merri’s had a passion to help people who were in pain?  He published a series of pamphlets explaining various chiropractic disorders in very simple terms.  For example: “What Is Whiplash?”

The pamphlets contained solid information, but were simple 5″ x 7″ brochures with drawings and explanations. He sold them with a rack to chiropractors, who put them in their offices for patients to read.  These little self-published items sold year in and year out for decades.

There are thousands of ideas of this sort that can lead to big business.  It’s just a matter of defining and then acting on your passion.

Although I can work when I please and go where I wish, for me the most important reason for being a publisher is the satisfaction it brings. 

I love the projects I take on, so work doesn’t feel like, well… work.

What do you love?  If you love golf, then you can write and sell publications about golf.  Love travel, fishing, dogs, dolls, or art?  Write and sell publications in these fields.

Are you concerned about crime, war, poverty or environmental issues?  You can publish information products that help reduce these concerns.

Would you like to help the world be a more spiritual place?  Publish a newsletter, write a book (or hire someone to write it for you), record a tape… publish something that enlightens people.

Whatever your passion, you can immerse yourself in it and earn income by publishing for ereaders, print on demand, CDs, lists, bound books, or any format you choose.

Be immersed in your passion and get paid well for it. 

This is why stardom is not the main goal for most writers and self publishers.  Extra income, more freedom and fulfillment are usually more than enough enough.

The seven Ps are:

#1: Passion

#2: Problem

#3: Person

#4: Profitably Priced Product

#5: Prospecting Pathway

#6: Promise

#7: Presentation

The first time I exposed others to the secrets in Self Publishing was in a weekend “Writer’s Camp” seminar.  We offered the camp for $1,500. 80 delegates enrolled.  People from all walks of life attended—chiropractors, businessmen, investors, doctors, realtors, inventors, airline pilots, engineers, and housewives.

Merri and I were so overwhelmed by the response, we decided to make it available to a larger audience.  We created a written course based on our current self publishing activity called “Self Fulfilled – How to be a Self Publisher.”  Then we recorded the weekend “Writer’s Camp” seminar.

Thousands have used the course as it has evolved over the decades.

You can receive both the written course and the recorded weekend seminar, in an MP3 file, in a special “Live Well and Free Anywhere” program I am making available to you.  The normal fee is $299 for the written course and $299 for the recorded workshop.   I’ll send you both the course and the recorded workshop and my course on how to expand the profits of what you write called “Eventful Business” (also $299) all for $299.  You save $598.

We are so confident that you’ll gain from this offer that if you are not fully satisfied, simply email us within 60 days for a full refund .

These courses are not theoretical.  They describe, step-by-step, how Merri and I built a million-dollar international business and how we are running this self publishing business right now.   We use the 7Ps today just as we did four decades ago to create a strong annual income.

This correspondence course is for those who would like their own international self publishing micro business for fun and profit. If you want fun, freedom, extra income and fulfillment with your own full or part time writing or want to build your existing business, by writing to sell you can profit from this course.  The course can help who want their own business or who want to have a business together or a family business.  This is the perfect course for those who can no longer find employment, who are looking for ways to earn abroad and who wish to retire and supplement their income.

Whether you are retired, an investor, chiropractor, doctor, dentist, professional or already own your own business, this offers another way to make money, to turn your passion into profit. We guarantee that we have shared all we know to help you start and run your own international business.  Enjoy and live a life of following your Passion to Profit… through writing.

Here is a special offer. 

Whatever your passion, however you do business, chances are you’ll be writing either to create a product or to sell a product. 

You save more than $598 because you also receive a recorded webinar conducted by our webmaster David Cross (at no extra cost).

David-cross-images tags:"2012-4-20"

David Cross

David has been our webmaster since our website began in the 1990s.  He is Merri’s and my business partner. We could not run our business as we do without him.

Learn the tactics we use in our web business that condenses 27 years of practical experience about search engine optimization, and writing for search engines.

For the last 27 years David has worked with companies large and small – IBM, Agora Publishing, AstraZeneca and many small business owners.  He has worked in 22 countries, and lived in six of them.

David’s clients span the globe and represent companies and charities both large and small.  From corporate giants to small, one-woman businesses and everything from finance, healthcare, publishing, technology, real estate, veterinarians, alternative health centers and everything in between.

David is an essential part of our web based business.

Myles Norin, CEO of Agora, Inc.  wrote:  “I have found David’s knowledge and experience unmatched in the industry.  Without David’s expertise and guidance for the past 7 years, we would not be nearly as successful as we are.”

As Senior Internet Consultant to Agora Inc. in Baltimore, MD, he worked closely with Agora’s publishers and marketers and – over a 7-year period – helped to propel Agora’s online revenues from around $20 million to well over $300 million.

David’s webinar will help you gain benefits in your micro business that large internet marketing companies use.  In this practical recorded workshop you will learn valuable skills to help your micro business.

There has never been a time when the opportunity for small businesses abroad has been so outstanding.  Expand your borders now!  Increase your economic security freedom, independence and success.

If you are not fully satisfied that this offers you enormous value simply email us for a full refund within 60 days.  You can keep all three courses as our thanks for giving our courses a try.

You also receive a report  “How to use Relaxed Concentration to Brainstorm Business Ideas” and a recorded workshop “How to Become and Remain Rich With Relaxed Concentration” at no additional cost.

Plus you get more in the program.

You receive regular writing and self publishing updates for a year.  Businesses usually need to evolve.  Merri and I continue to publish and have our independent businesses.  Some basics have remained for decades, but new strategies occur all the time throughout the year.  We’ll be sending along updates that share our most recent experiences as we learn and continue to grow our international micro business from Smalltown USA.

My special offer to you in this “Live Well and Free Anywhere Program”, is that you receive:

  • “Self Fulfilled – How to Write to Sell” course
  • Video Workshop by our webmaster David Cross,
  • The entire weekend “Writer’s Camp” in MP3,
  • MP3 Workshop “How to Gain Added Success With Relaxed Concentration”
  • The business course “Eventful Business”
  • Any updates to any of the courses, workshops, reports or recordings for a year

We are so confident that you’ll gain from this offer that if you are not fully satisfied, simply email us within the first three months for a full refund. 

Order “Self Fulfilled – How to Publish to Sell” and a full year of update lessons $299.  Click Here.      

See success stories from Self Publishers and a few who have attended the “Writer’s Camp” that you will receive on MP3.


How Ecuador Living Led to Super Thinking

While living and working with Ecuador shamans for over a decade, we learned ways to combine modern ideas with ancient wisdom for everlasting wealth, better health, less stress and a lifestyle that is fulfilled. During our years in the Andes, along Ecuador’s Pacific coast and Amazon, we helped thousands of readers explore and invest in this amazing country. We also met some very special men who were from long lineages of healers. They received such intensive training they became Taita Yatchaks, Father of Fathers-healers of great purity.

Gary Scott

Gary & Merri Scott (with their hound Mah) in the Andes

A 500 year old Andean prophesy urges us to use the connection between the heart and the brain to restore the equilibrium of mankind.

How our role in Ecuador Living and Super Thinking began.

Ecuador, around 1997.   A bite of chilled wind swept the broad Andean marsh where diamond sunrays sparkled and danced on a frying pan lake below. Damp odors of ooze, mud and grass were mixed in harmony to the taste of my blood, my senses concocting strange mixtures in the altitude-thinned air.

High on a mountain slope overlooking the Llanganatis Valley, the sun filled the Amazonian Valley below.  Who was to know that the discovery of one of South America’s most ancient secrets for vitality and good health lay just ahead?  Breathing heavily in the 14,000’ rarified air, we rethought how this trip has evolved.  My wife, Merri, and I, along with two medical doctors (who specialize in anti aging) and friends, walked toward a sacred valley where western man had never been invited before.

This was an unusual beginning for a couple who had devoted their efforts to the hard facts of making money with international business and investing.  46 years ago I began a business, speaking and writing about international investing.  This led me (and later my wife Merri) from helping readers find and invest in real estate and other investments in Hong Kong, to London, to the Isle of Man, then the Dominican Republic and finally in the mid 1990s to Ecuador.

We became involved in creating a foundation to help the indigenous of Ecuador and because of this the Taita Yatchaks asked us to help them fulfill a task to bring secrets from the South to the North and to bring important knowledge from the North to the South.  The Yatchaks told us there was a 500 year old prophesy that states when the Eagle of the North and the Condor of the South flew in the skies together, a greater equilibrium would exist for mankind.  People of the north live too much in their brain. People of the equator live too much with their hearts.  When we integrate our intuition and our logic we become wiser, more intellgient and take on expanded horizons. The quest of the yatchaks is to help accelerate the evolution of man’s intellect.  They asked if we could help fulfill this prophesy.

To be part of a prophesy unveiled five hundred years ago is humbling at the least.  Scary is probably a better word.  Yet we felt compelled to accept and so with several friends, we started helping these healers meet people from the North, not knowing the best was yet to come.

The Yatchaks explained there was a sacred preserved valley where no man was allowed to live and where no westerner or outsider had ever been invited.  The Yatchaks were protectors and kept it carefully guarded.  Part of their prophesy was when the time was right they would take a westerner to open secrets from this valley to the rest of the world.  We were told that our efforts to help them were signals that we should go into the valley.

We had no idea then how special this valley was.  Only later did we learn that even in colonial times the Spanish knew of it and believed that the valley contained the fountain of youth.  The valley is considered to be a spiritual rejuvenation.  This valley was also said to contain a hidden treasure of the assassinated Incan emperor, Atahaulpa.  The Spanish had tried to find this valley but the natives would not reveal its location. Hundreds accepted enslavement, torture and even death, rather than disclose its secrets.

This was to be the first time these protectors had ever taken an outsider into the valley.  We did not know this when Merri and I arrived with several friends including Dr. Jay Glaser and his wife Danielle and another medical doctor who also was studying longevity.  This was a good thing because our arrival was with a sense of foreboding. We felt almost frightened rather than thrilled.

Several villages held a special meeting of the protectors to perform a rite of permission.

ecuadorliving home page

Gary and Merri Scott after a purifying bath in a sacred spring before beginning the journey.

Only then did we discover that even native Ecuadorians had never been allowed to know the location of this valley.  Only the healers and spiritual leaders of the Andes went there.

The other M.D. researching longevity traveled with us but rather than visit the valley visited another valley where there are healing thermal pools. While there he told the owner of the hotel where we were going and was told we would never ever be seen again alive! The owner told our friend he (as a young man) had once tried sneaking into the valley, had been caught, stripped naked, hogtied and dumped on a lonely road. The man’s effects had all been dumped in a bundle at the hotel with a note saying where to find him with a warning of the dire consequences to anyone who tried to go in the valley.

ecuadorliving home page

Merri, Danielle, Jay and I didn’t know this as we headed into the valley.

We started our journey at 4:30 a.m. riding up into the mountains to a hiking point with six llamas that carried our food, two young boys to herd the llamas, a cook, the Taita Yatchak and his son and daughter.

ecuadorliving home page

We began hiking at about 10,500 feet, tramping through deep Alpine marsh for six hours as we ascended to 14,000 feet. Here we drank from a spring that formed part of the head waters of the Amazon Basin and then descended straight down (4,000′) on a hidden mud animal trail for three hours into a virtually impenetrable cloud forest, ripped by thorns, cut by razor grass, soaked, and caked in mud.

Here we are after the day’s hike at the lip of the valley,

ecuadorliving home page

Then we moved down into a dense jungle. Here is Merri and me in the thick of it with the Taita Yatchak.

ecuadorliving home page

By the time we arrived in the valley, it was just minutes before dark. We were fatigued more than I can describe, by the high altitude, bone weary from our heavy packs, every muscle aching from fighting all day, in the altitude thinned air, the sucking mud (which had regularly pulled off our boots).

We stayed in a floorless, leaky thatch hut, sleeping on dirt, no heat except the cooking fire, no running water, nothing. We were continually cold, wet, dirty and cramped-all 12 of us in this tiny hut with its earthen floor. The next morning, to our surprise we all felt wonderful!   We had no aches, no pains and each of us looked glowing and wonderful.

Here is the group!

ecuadorliving home page

We explored the valley which is perpetually wrapped in mist and fog.  We swam in small icy, deep blue lagoons and did ancient exercises while the Taita Yatchak talked with us about longevity and health.

None of us had ever had so much fun!  There is something about the valley that one cannot explain, an abounding energy and peacefulness.  Even at times when we were really worried about some of the party who had gone into shock from fatigue, there was never a moment of regret.

We discovered a magical quality to this Sacred Valley and after our return found powerful emotional and physical evolutions happening to all of us.  Merri and I, along with the others, felt physically stronger, more alert, more positive, more active and yet more serene than ever before in our lives.

This feeling of well-being was physical as well as emotional.  We found that though our stay had been short we lost weight, increased muscle mass and were stronger, more balanced and our bodies and mental state felt better in almost every way.

This is the magic of the Andes.  Yes, there is opportunity in low cost living, property, business, import and export.  The weather is glorious and the people sweet.   Blend them all together in a tangle of Incan history and beyond.  These are all small parts of the magic of Ecuador, but the real magic is merging the spirit of the condor, the most powerful intelligence we have, our intuition, with our logic.


Merri and I conducted dozens of Ecuador shamanic tours.


We conducted hundreds of Ecuador real estate tour.

When the heart and brain work together we  gain the magical quality called Ecuador Living.

We brought thousands of readers to the Andes and we brought yatchaks to the USA.  Now we share the experiences gained from our 46 years of global business and investing merged with the wisdom of the Andes.

ecuadorliving home page

Here we are with an Ecuador Yatchak conducting a purifying ceremony at our North Carolina Farm.

Use Ecuador Living and Super Thinking to live better in this era of cynicism.

Ecuador Living creates Super Thinking. A lifestyle that unites the mind and the heart, whatever you wish to put a name to, is the process of uniting the logic and intuition so you can take action.  We look forward to using what we have learned so far about action through Super Thinking, learning more and sharing what we learn with you.


Learn Spanish in Three Days ONLINE

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

Learn Spanish in a day, or a week, month or any time frame that works for you.

I’m Gary Scott.  Over fifty years ago I started a business that has helped hundreds of thousands of subscribers learn about investing in Hong Kong (1960s and 1970s), Switzerland, London, Isle of Man (1970s and 1980s) and across Europe.  In the 1990s we took investors to Panama, Mexico and Ecuador.  That’s when we realized an incredible need for an easy way to learn Spanish.

See below how my wife Merri was able to create a program that allowed students to be speaking and understanding Spanish in just three days.

Thousands of subscribers have learned Spanish at our three day Super Spanish course.  These courses have been taught across the US, in Canada, Panama, Mexico, Ecuador, Uruguay and Spain.


A Super Spanish course in Florida.

Read below to see how and why we are now offering our Super Spanish course ONLINE for the first time.

Speaking Spanish as a second language has huge benefits.

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 English at all.

You become one of a leading few 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 (bolds are mine): “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.

You may choose to take more time using the ONLINE course to learn Spanish, but thousands of our readers have learned to speak Spanish in only three days 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!

A special method of learning (called Super Learning) was created and refined by the Bulgarian educational master, Georgi Lozanov.   Lozanov transformed the entire Soviet educational system to such a degree that this third world country beat the USA into space.

My wife 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 1970s.  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 students 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 to create Relaxed Concentration 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 was among just a few who learned directly from Lozanov.

gary scott super thinking session

Super Spanish relaxed concentration session.

You gain six valuable ONLINE Relaxed Concentration sessions in the online course that is delivered via the internet.

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.   This eliminates the need to memorize 99% of Spanish words.

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.   The normal three day course fee is $499 ($749 for a couple).

The ONLINE Super Spanish 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. 

The course is available at the highly reduced price of $149, but in this special offer we are knocking another $70 from the price so you can start now for only $79.  

Learn Spanish online $79 - using coupon code SPANISH70 at checkout to immediately save $70 off the regular price of $149.

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 - using coupon code SPANISH70 at checkout to immediately save $70 off the regular price of $149.

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 Young or Old

Most Super Spanish students are all ages ,


Super Spanish students at this course ranged from nine to over eighty years old.

Become a Spanish translator!

The wife of one couple who attended explained how after just three days her husband ended up as an accidental translator.

She wrote:  Gary,  I have sent Merri a couple of messages, and  a story of Mike being able to translate yesterday for a Spanish person  who couldn’t understand what a man was trying to tell him!

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.

The video below shows a super fast way to gain the basics so you can communicate in Spanish in just three days.


Click here for FREE Super Spanish video.

Still can’t believe you can learn Spanish in a short time?

You have nothing to lose but to try.

The ONLINE Super Spanish 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. 

The course is available at the highly reduced price of $149, but in this special offer we are knocking another $70 from the price so you can start now for only $79.  

Learn Spanish online $79 - using coupon code SPANISH70 at checkout to immediately save $70 off the regular price of $149.

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

European Bank Boost

There is a European bank boost coming up next January that adds one more positive layer to my gamble on the Euro financial sector.


Leslie Share International Business & Tax attorney.

One of the tax and international legal advisers I have used for at least 30 years is Leslie Share in Miami.  Leslie sent this note to me after we published an article about the 8938 tax filing form.

Hi Gary—if the 8938 isn’t the straw that breaks the camel’s back—maybe the attached as discussed below will be it. Some think it will cause many foreign investors to empty their US accounts and move their money elsewhere—not good for our economy!  Best regards.  Les Share

Leslie sent this memorandum from the 4/18/12 Daily Tax Report (BNA)

Information Reporting

IRS Unveils Final Rules Requiring Reporting Of Bank Interest Paid to Nonresident Aliens

BNA Snapshot

Key Development: IRS unveils final rules (T.D. 9584) and a revenue procedure (Rev. Proc. 2012-24) requiring domestic banks to report deposit interest paid to nonresident aliens.

Potential Impact: The rules apply to the U.S. accounts of nonresident aliens from countries with which the United States has an information exchange agreement.

Next Steps: The guidance is effective April 19, 2012, but applies to payments of interest made on or after Jan. 1, 2013.Banks will have to report deposit interest paid to nonresident aliens as a way to help the United States combat tax evasion through its ability to reciprocate tax information shared by other countries, the Internal Revenue Service said in final rules (T.D. 9584) unveiled April 17.

For the first time, the agency specifically said the information would help the U.S. government in reciprocating information gleaned on U.S. accounts in foreign banks under the Foreign Account Tax Compliance Act (FATCA).

IRS slightly tailored the controversial rules (REG-146097-09) it proposed in January 2011 (5 DTR G-2, 1/7/11) by requiring the reporting only for nonresident aliens from countries with formal exchange information agreements with the United States.

The requirements apply only for pacts in which the United States has agreed to provide, as well as receive, information and under which the competent authority is the secretary of the Treasury or his delegate.

IRS Stresses Safeguards

IRS stressed that a variety of safeguards for the information need to be in place in the foreign jurisdiction before it will be exchanged.

The agency also issued Revenue Procedure 2012-24, with a list of 80 countries and territories where the reporting requirements would apply for nonresident aliens with accounts in the United States.

In the preamble to the final rules, IRS said, “The reporting required by these regulations is essential to the U.S. government’s efforts to combat offshore tax evasion for several reasons.”
First, the agency said, it allows IRS to exchange information with other jurisdictions on tax enforcement—information that the United States needs to identify and stop evasion. The effectiveness of U.S. agreements to get such information, such as treaties and other pacts, depends on the ability of the United States to reciprocate, IRS said.

FATCA Implementation Key Focus

Specifically, IRS said, the government needs to be able to reciprocate information it receives under FATCA, which requires foreign banks to report U.S.-owned accounts to U.S. tax authorities or face, in some cases, a 30 percent withholding tax.

In February, the U.S. government unveiled not only nearly 400 pages of proposed rules (REG-121647-10) under FATCA (26 DTR GG-1, 2/9/12), but a joint statement by the United States and five other countries—France, Germany, Italy, Spain, and the United Kingdom—outlining a framework for government-to-government information sharing agreements under the law (26 DTR GG-3, 2/9/12).

In the April 17 final rules on nonresident alien interest reporting, IRS said that in many cases, the implementation of FATCA will require the cooperation of foreign governments to overcome legal impediments to reporting by their resident financial institutions.

“These regulations will facilitate intergovernmental cooperation on FATCA implementation by better enabling the IRS, in appropriate circumstances, to reciprocate by exchanging information with foreign governments for tax administration purposes,” IRS said in the preamble to the final rules.

IRS Addresses Criticisms of Proposed Rules

The proposed rules on nonresident alien interest reporting touched off a fire storm of criticism from banks who said nonresidents would take their accounts elsewhere, and from lawmakers in jurisdictions such as Florida and Texas with high concentrations of foreign-held accounts.

In the preamble to the final rules, IRS said concerns raised in comments “are addressed by existing legal limitations and administrative safeguards governing tax information exchange,” including strict confidentiality rules under tax code Section 6103.

The agency stressed that, “consistent with established international standards, all of the information exchange agreements to which the United States is a party require that the information exchanged under the agreement be treated and protected as secret by the foreign government.”

IRS said it made the decision to tailor the rules to jurisdictions with information exchange agreements as a result of the concerns expressed by commenters.

You can reach Leslie  Share at las@pnrlaw.com

Here is the potential bonus for European banks.   The US has been one of the greatest tax havens in the world for non Americans. Essentially US bank accounts for non resident non Americans have been private and tax free.   The enforcement of this end of the FATCA regulations means that US banks will have to report interest earnings.   This also means than many aliens may pull their funds from the USA and place them elsewhere.

European banks could benefit from this shift of funds.

I am betting that the euro and Europe will survive and have been speculating by increasing the weighting of my portfolio in the Euro and especially the European financial sector.

This new US tax regulation against non resident aliens may be a European bank boost that helps my portfolio.


Learn more about global investing and business at our October 5-6-7 Super Thinking plus International Investing and Business seminar.


Micro Business & Multi Currency Opportunity 2012

Our International Business & Investing Seminar last weekend looked at the micro business & multi currency opportunity abundance we have ahead of us now.

Autumn colors are…


now here in the mountains… awakening our front yard in a blazing sunrise.  The…


mists… a veil lifted on nature’s…

Blue ridge autumn

painting… pastels and brilliance in orange and gold.  Breathing such spectacles in a daybreak abundance… how can one not see this spectacle we have been given… this gift in a palate of richness… a beginning in this dawn?

Life is such an analogy and nature is reality’s artist showing us truth in so many ways…. every day.  This picture of golden richness is that time of reality’s greatest beauty as it also heralds the darkest hour.

This was the theme of our latest International Business & Investing Seminar at Jefferson Landing.  We looked at how so much news is focused on doom and gloom but why and how this is the richest of times for opportunity.

 See why profits lay ahead, plus ideas we covered at the seminar and how to get a recording of them free.


Protected: Upside Down Micro Business Model For Extra Income

This content is password protected. To view it please enter your password below: