Tag Archive | "investing and business"

Learn Spanish in 3 Days


See below how to learn Spanish in three days. Free.

Learn Spanish in Three Days FREE

How Super Thinking + Spanish Began

By Merri Scott

merri scott

Merri Scott

A Rainy Night in Georgia…late 1960s. I had returned to my family home in the Deep South after 2 1/2 years of language study in Europe including at the Goethe Institute.

The accomplishment of German in the Institutes in Europe was extremely painful and stressful. Although I did obtain bountiful mastery as well as even dreamed in German after over 2 years there, I felt exhausted and depleted. I should have been excited, thrilled and happy.

It was one of those rainy winters in Georgia. After 2 previous years suffering bad weather in Europe, I longed for the sun and the then unknown to me, Caribbean.

It occurred to me that I should winter in Yucatan. The urge to explore another country and the desire to pursue a career in import & export plus the continued dreary weather convinced me to go and try it. I was young AND foolish.

So, I packed a suitcase & headed out. As a language major, I was fluent in French, German with years of Latin and Origins of Modern Language courses behind me.

For some reason I overlooked the fact that I was not fluent in Spanish!

Loving the weather but not enjoying (or being able to afford) an idle life, I discovered a world of opportunity. The markets of Yucatan unfolded to me, discovering the wonders of textiles beautifully made in styles and fabrics unknown to the U.S. at that time. I was hooked!

However, not speaking Spanish made me feel deprived, lazy, lonely and not in a strong position to do business. It was imperative to speak Spanish! Fast!!!

What happened was quite miraculous. We’ll share these rules/ideas/words that allowed me to communicate…not in an erroneous, clumsy way but in the way of a scholar-an honorable, gracious person respecting others & language.

Fluency in a language as the Goethe Institut (the respected language school) defines it as 1200 words.

Because I had studied for those years under this powerful learning system, I knew of its accuracy. As I struggled to teach myself Spanish, my first thoughts were “How quickly can I know 1200 words?” Well, a lot quicker than you can imagine! Modern languages (French, Spanish, Italian, English) are based on Latin, with the same roots. If I knew a word in French or English, perhaps there would be a similar word in Spanish. This led me to create a number of “rules” on how to automatically convert English words to Spanish.

My great hope was there might be a couple of hundred words that are more or less the same in both languages…but lo and behold, you’ll see that there are actually 4005 words!

(These I painstakingly selected. I went joyfully through every word in the largest Spanish dictionary and decided whether its English counterpart was familiar & suitable & if so, added it to my list.) I joyfully made this incredibly long list to help all others gain fluency!

gary&merri scott

Gary & Merri Scott teaching in Copenhagen.

Fluency by Association

Let’s remember that 1200 words are fluency in a language!

How does it feel to realize that right now, we already know 4005 words in Spanish?

Back then, I thought…I need to know how to pronounce these words and I need to know how to recognize more and more and that’s about it…but whoa!

How about speaking in whole sentences? How about conjugation of verbs? How about the dreaded derivation of sentences? How about sounding gracious and honorable?

I must learn instantly. I must speak now. I must communicate. I sought to communicate…while honoring the language. Could this possibly be?

Well, of course it could. And it did.

Years later, I was fortunate enough to be chosen for Dr. Georgi Lozanov’s (the Bulgarian Master) SuperLearning Course and became a certified teacher in this stress free, remarkable system. But that’s another story, which we will discuss later. For now, just remember I was on a very short string and desperately wanted and needed to speak Spanish…so what follows is exactly what happened.

It is my most humble pleasure to offer the following easy system so that you, too, may seek your own adventures and enjoy one of the great pleasures in life- communication!

The class and the teachings were extraordinary. We had the head of the Buddhist Monks, the Cultural Minister of Russia, the head of the radionics masters from Zurich, and a number of equally fascinating people. And then there was me!

After being chosen to take part and to be licensed in these techniques in 1976, my life was changed forever. Spending all those weeks with 11 others from all over the world was a remarkable experience. Having the benefit of the understanding and experience of Dr. Georgi Lozanov, the energy and drive of Dr. Carl Schleicher and the devotion to language of who was to come my best friend, Parisian Simone Bedard (whose father was the Ambassador from France) gave me the root, the basis, the knowledge and the joy of these powerful techniques.

Over 38 years ago, I was transformed forever and have never looked back.

In a sense, super learning adds by taking away by deleting negative suggestions, limiting ideas, fear images, and self-blame. It is not so much that super learning gives us something new…it gives us something we already have…ourselves!

This joy of learning and a feeling of harmony riding along on the full wave of one’s being are some of the benefits. Super learning is the ability to learn and remember increased five to 50 times.

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Merri Scott teaching in Mt. Dora, Florida.

The Roots of Super Memory

Lozanov uncovered some fascinating lore about the origins of super memory. He felt that the “how to” of this extraordinary super memory had been handed down from leader to leader in ancient times. “Yogis needed hypermnesia. They did nothing but memorize all the sacred writings so that whatever happened, if all books and recorded knowledge disappeared, as long as even one yogi lived, he would be able to restore all the lost knowledge from memory.”

Dr. Lozanov went to live with the Maoris in New Zealand as well as with the Yogis in India. He found that all were trained in the same super memory methods. The Maori Chief, Kaumatana, could recite the entire history of his tribe covering 45 generations and over one thousand years in 3 days without any notes.

Lozanov had practiced Raja Yoga for 20 years, but he realized that Bulgarians could not utilize all the exercises of those Yogi masters. What he developed was his own techniques for learning from the ancient ones.

But what he wanted is that everyday people could have the qualities of photographic super memory, instant calculations, extraordinary mental activities, pain control along with a whole range of paranormal abilities.

But as a scientist and a doctor, He knew that he must have a scientific basis in order to succeed in helping his people, the Bulgarians.

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Merri Scott helping delegates at their North Carolina deep woods seminar center, Little Horse Creek.

Let’s concentrate on our first goal with a language…to COMMUNICATE.

Gary and Merri Scott

Gary & Merri Scott preparing to teach a Super Thinking course at their hotel in Cotacachi, Ecuador.

Let’s begin naturally, without stress, enjoying the fluency and the ease of language.

And each of us let’s accept the 4005 words that we already know.

Spanish is no longer a stranger to us!

This is why you can learn Spanish in just three days.

gary and merri scott

Merri and Gary Scott hiking with the Taita Yatchak in the Llanganatis of Ecuador.

Enroll in our upcoming February 14-15 and 16 International Business & Writer’s Camp seminar and attend our Super Thinking + Spanish course FREE.

Join Merri and me!

Multi Currency Value Investing Seminar

Old Accord Creates New Profits – Multi Currency Investments.

Earn more with multi currency stock market breakouts.

Improve Safety – Increase Profits

Learn how to improve the safety of your savings and investments by selecting good value and diversified investments in a multi-currency portfolio.

Few decisions are as important to your wealth as the value of the markets and currencies you invest in.  This has been our area of expertise since the 1970s and we have worked with and advised some of the largest currency traders in the world.

Gain Protection First – Against the Dollar’s Purchasing Power Loss.  In 1913 the The Federal Reserve Act created the Federal Reserve Bank to protect the purchasing power of the US dollar, which has since lost about 94% of its purchasing power.  Here is its price compared with gold since 1900.

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Dollar chart from pricedingold.com (1)

The Fed has let the dollar lose most of its strength plus has allowed interest rates to fall so low, that safe investments cannot keep pace with the drop in purchasing power.

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Chart from Grandfather Economic Report (2)

Many investors have forgotten about the risk of a falling dollar because the greenback has been strong for the past five years.  This temporary dollar strength came after the great recession of 2009 just as there was temporary dollar strength after the great recession of the 1980s.  Then about six years after the recession, an agreement was made by major governments to weaken the dollar.

There was a severe global economic recession affecting much of the developed world in the late 1970s and early 1980s.  The United States and Japan exited the recession relatively early, but high unemployment would continue to affect Europe and the UK through to at least 1985.  As a consequence between 1980 and 1985, the US dollar had appreciated by about 50% against the Japanese yen, Deutsche mark, French franc and British pound, the currencies of the next four biggest economies at the time. Then the governments reached an agreement and exchange rate values of the dollar versus the yen declined by 51% from 1985 to 1987.

Now the world is again in the same place.  The recession is over.  Europe is a bit behind in recovery and the dollar is higher than before the recession.

There is no reason for the greenback to be  strong.

The agreement in 1985 was called the Plaza Accord.   Over just two years the greenback dropped nearly 50% versus other major currencies.  The next accord will generate great profits for those who know what to do while it ruins the purchasing power of dollar back investments.

The strong US dollar and low interest rates have created one of the biggest stock and multi currency breakout opportunities in history.  Learn how to create a plan to profit from multi currency shifts ahead.

One reason for the potential gains is that stock markets and currency values are cyclical.  Due to low interest rates created by the 2009 economic downturn, the US and a few other equity markets have risen to some of their highest prices, ever.  These markets offer very poor value now.  The steep valuation creates incredible profit potential but also hides some enormous risks.  Learn how to develop an investing strategy based of earnings, cash flows, dividends and book values to increase potential for profit and reduce the risks.

Next Extra Profit Created by Value Breakouts

Over the history of US equity markets, the  price of overall markets have risen about 9.1 percent, respectively, compounded annually.  Yet over more than a hundred years of stock market activity,  a majority of the profits have come from just a very few dramatic breakouts.

Equity markets are ruled in the short term by emotions that create unpredictable ups and downs.  Numerous fears of defaults, worries of double dip recessions, high unemployment, concerns about fiscal cliffs, hold investors back.  Yet global population growth and advances in production and prosperity are relentless economic fundamentals that increase value.

When fear holds back a a fundamentally rising value, rising profit potential grows.  Values increase as prices stagnate.  Then markets break free and rocket upwards creating wealth, prosperity and growth.

Find out which breakouts are likely to take place next.

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 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 create war.

Here is the war stock cycle.  Military struggles (like the Civil War, WWI, WWII and the Cold War: WWIII) 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.

Learn how the Cyber War (WWIV) may change the way we live and act and how this will affect currencies and investments.

Learn:

* 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), but 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 outperformance 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.  Buffett leverages his portfolio at a ratio of approximately 1.6 to 1.  This rate of expansion by the way is called the “Golden Ratio”.  It is a mathematical formula that controls the growth of most natural things; trees, the shape of leaves, the spiral of shells, as well as the way economies and societies grow.

We’ll sum the strategy, how to leverage cheap, safe, quality stocks and for what period of time based on your 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 (almost) years of investing experience combined with wisdom gained from some of the world’s best investment managers and economic mathematical scientists.

Enjoy investing more with slow, worry free, good value investing.  Stress, worry and fear are three of an investor’s worst enemies.  These are major foundations of the Behavior Gap, a trait exhibited by most investors, that causes them to underperform any market they choose.  The behavior gap is created by natural human responses to fear.  The losses created by this gap grow when investors trade short term under stress.

Learn how to put meaning into your investing by creating profitable strategies that combine good value investments with unique, personal goals.

Learn how to span the behavior gap.  Behavior gaps are among the biggest reasons why so many investors fail.  Human evolution makes fear the second most powerful motivator.  (Greed is the third.)  Fear creates investment losses due to behavior gaps.  Fear motivates us more strongly than desire.  By nature investors are risk adverse, when they should embrace risk.  Purpose is the most powerful motivator,  stronger than fear and greed.  One powerful way to overcome the behavior gap is to invest with a purpose.

Combine your needs and capabilities with the secrets and the math of our good value model portfolio.

Share ideas about my good value portfolio.  My personal investment portfolio comes from a continual analysis of international stock markets and a comparison of 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.

Markets included in this portfolio are:

• Norway
• Australia
• Hong Kong
• Japan
• Singapore
• United Kingdom
• Taiwan
• South Korea
• China

These markets have been chosen based on four pillars of valuation.

• Absolute Valuation
• Relative Valuation
• Current versus Historic Valuation
• Current Relative versus Relative Historic Valuation

Learn how to use Country ETFs to easily construct a diversified, risk-controlled, equally weighted representative country portfolios in all of these good value countries.

To achieve this goal my portfolio consists of Country Index ETFs that track an index of shares in a specific country.  These country ETFs provide diversification into a basket of equities in the good value countries.  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.

This is an easy, simple and effective approach to zeroing in on value because little 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 pick and choose shares.  You can invest in the index which is like investing in all the shares in the index.  All you have to do is invest in an ETF that in turn invests passively in all the shares of the index.

Learn 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 a test.

The Test for Low Cost Trading

Research put every part of this portfolio in place, except knowing the best, easiest and least expensive way to buy.  A search for an optimal way to buy and hold boiled down to two methods.  One tactic to test was to use a unique online broker that appeared to offer the lowest cost deal.  The other approach was to use a community bank in Smalltown USA.  The small town bank that I use looks after my 401K trust account and their service is first class.  The benefit of small banks is that they still treat us as a human beings (instead of a number) and when we need, it’s easy to go right to the top to answer a question or get a problem resolved.  There are no call centers and the bank and the person looking after my account is just around the corner.

I created a test to see which offered the least expensive service.

Working with my banker in Smalltown USA,  I created two accounts, one at the online broker and the other at the bank. I placed $40,000 in each.

I set up the order for the country ETFs online, while my trust manager set up orders for the identical amounts of the same shares in his system.  Then we got on the phone, coordinated our timing and on a count of three each pushed the button “BUY”.

The results of this test  show how you can gain on any purchase of country ETFs.

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 “Silver Dip 2017” 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.

Your subscription will be charged $299 a year from now, but you can cancel at any time.

Gary

 

Gary

(1) Dollar chart from pricedingold.com

(2) Grandfather Economic Report

 

Ecuador Real Estate Special


Ecuador real estate offers special value in Urcuqui.

ecuador-real-estate-urcuqui

See below two ways to learn how you can save as much as $78,000 on a half acre Ecuador building lot like this.

Readers at our various sites know that we continually seek ways to find value for our readers.

We are obsessed with value which is one reason we invested in large amounts of Ecuador real estate.

This is why 15 years ago our message became… buy Ecuador real estate!   Ecuador real estate offered incredible value almost everywhere… back then.

Over this last decade and a half… thousands of expats from the USA…. from Canada and from Europe have moved to Ecuador. Ecuador real estate prices have risen.  Many people have moved in taking advantage of others and many are expats themselves.

Now, one has to work hard to find really special Ecuador real estate values.

We take this responsibility to help our readers to avoid scams and ripoffs and find value in Ecuador real estate seriously.

That’s why I jumped to attention the last time Merri and I rode through Urcuqui with Jean Marie Butterlin and his wife, Pascale. Jean Marie conducts the Ecuador real estate tours featured at our site.  We were on our way to Chachimbiro Spa for a relaxing soak in the thermal waters and when I saw what was happening in Urcuqui, I thought, “Something good is going on here.”

Jean Marie went far beyond researching and writing about Urcuqui however. He went to work to create some special value for our readers and his real estate tour delegates. He contacted the Mayor of Urcuqui and has helped create some spectacular value for you.

Here is Jean Marie’s report on a special way to save with value from Ecuador real estate in Urcuqui.

Urcuqui, the Best Deal in Ecuador Real Estate?

Jean Marie Butterlin

I have just met the Urcuqui mayor, Captain Nelson Felix Navarrete, a retired commercial pilot who is eager to transform Urcuqui into the next  Cotacachi.

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Pascale Butterlin with Mayor Nelson Felix Navarrete. Photo by Jean Marie Butterlin.

Mayor Navarrete has already improved this little city of 5,000 a lot.  Urcuqui is 15 minutes from the provincial capital Ibarra and 45 minutes from Cotacachi on the way to Chachumbiro Spa.   The town has put in new paved sidewalks.

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They have beautified the…

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town square.

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Urciuqui Ecuador’s own Square

Urcuqui is a very old town.   Records about the indigenous’s construction of a very advanced irrigation system date back more than seven centuries.

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Town Square

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Urcuqui is very quiet and… very secure.  Everyone knows everyone so crime is low.  Because it is at a lower altitude, Urcuqui has a warmer climate than Cotacachi or Otavalo. There is very rich soil, plenty of water and no air pollution.

I have seen a lot of very old folks walking around.  The mayor pointed out that there are quite a few people that are close to 100 years old living in and around the city.

The mayor and the city counsel are taking steps to buy 10 hectares (22 acres) of land, minutes from the city center and resell it in 1,000 m2 to 2,000 m2 (10,000 to 20,000 square foot lots) at the municipality’s cost to anyone who will come and build a home.

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Entrance to new land available from the municipality.

This means that a 1,000 m2 (10,0000 square foot) lot (with water, sewage and electricity) can be purchased for between $1,000 to $2,000.   Similar lots in Cotacachi now run between $20 to 40/m2 ($2 to $4 per square foot) in Cotacachi or Otavalo.

Good house construction is ranging between $350 to $450/m2 ($35 to $45 a square foot) so the total cost of 150m2 (1,500 square foot) home is around $60,000.

The lots offer…

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incredible value and…

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excellent views.

Urcuqui is best suited for people who like small cities. There is plenty of farmland available for those who would like to buy a  farm.

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Rich soil in Urchuchi.

There is a nice 350 hectare (840 acres)  hacienda for sale.

Delegates on our next Imbaburra tour will be the first one to visit Urcuqui, this hacienda and all the available lots sold directly by the city.

The mayor of Urcuqui is also responsible for the entire canton which includes several hot thermal springs just about 15 minutes away like Chachimbiro.

For those who would like to look at a business opportunity, I have discovered a little spring that lies on city owned land. This spring has special mineral qualities and we will inspect this property as well during our next Imbabura tour.

Jean Marie

There you have it.  A great, large good view building lot in Cotacachi could be priced as high as $80,000.  A similar lot in Urcuqui… $2,000. That’s real value.  Building prices are also lower since labor is not so much in demand in Urcuqui… yet.

Bargains like this will not last long either. When we expose this type of opportunity it is only a matter of time before a flock of readers become buyers and create upwards pressure on the prices.  Therefore we are limiting our exposure to our premium Ecuador Living subscribers and delegates at our International Investing and Business seminars and Jean Marie’s Ecuador real estate tours.

Merri and I are pleased to be able to share this special value for those who want create a home, with low cost, healthy living as they enjoy special value.

Gary

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Three days left to order Ecuador Valentine roses.

See how to Join Jean Marie’s upcoming Imbabura real estate tour and see Ecuador real estate in Urcuqui. See details on how to join this Ecuador real estate tour here.

Learn about Urcuqui Ecuador real estate at our upcoming Mt. Dora International Investing & Business Course.