Tag Archive | "law"

COVID VACCINE IN ECUADOR


This week Dr. Andres Cordova shares information about Covid Vaccine in Ecuador.

andres cordova

Dr. Andres Cordova

COVID VACCINE IN ECUADOR

Ecuador’s Health Minister recently declared that the first four million COVID19 vaccines will arrive to Ecuador this next March and that they will be distributed with priority to the most vulnerable, including senior citizens. He further expressed that additional vaccines are being negotiated so that every person will have a vaccine available.

Three elements are being weighted in the import of the vaccines: efficacy (development of immunity through antibodies), if its tolerable (no secondary effects) and that the benefits overcome the risks.

Health authorities will regulate the import of the vaccines by municipalities and private parties. The private sector is key in the process as it is well prepared to manage them, especially regarding the conditions for their storage in cold conditions and their far reaching distribution. There will be a two year follow up to determine efficacy, secondary effects and more.

One of the vaccines to arrive to Ecuador is that from AstraZeneca-Oxford which is currently in development stage three, and a part of the Coalition for Epidemic Preparedness Innovations (CEPI). This falls within the framework of the Covax Facility, a global initiative supported by 180 countries that represents a pool of possible Covid19 vaccines and their equitable distribution worldwide.

An agreement was also reached with Pfizer, for up to two million additional vaccines. There’s been coordination with Moderna and Johnson & Johnson too.

The vaccines will be a substantial step forward in combating the epidemic. They will need to be accompanied by the use of masks, social distancing and constant hand-washing for some time though, until at least 7 or 8 out every 10 people become immune.

This is important because the vaccine may be quite effective at preventing the vaccinated subject from developing severe infection, but will not fully stop that person from potentially spreading it.

ecuador

The vaccines can’t come soon enough. As of today, Ecuador reports 193,673 Covid19 cases (www.worldometers.info/coronavirus/).

This translates into 10,908 cases per million and while it’s considerably below Brazil’s 29,966, Argentina’s 31,576, Colombia’s 25,921 or Peru’s 29,105 in the region, or the United States’ 42,534 for that matter, this is a source of little comfort, as our cases, just as elsewhere, have had such a profound impact in the life of many, in the economy and the social fabric.

Some experts believe that Covid19 will never truly go away, with slow, sustained transmission taking place especially in parts where the impact of the virus has not been curbed. Something like the seasonal flu.

Advances in understanding the disease, in treatments and the coming vaccines, of course, mean that the prospects for grappling with Covid19 in the future will be much better.

Today, the rate of death of Covid19 patients admitted to critical care has fallen to about a quarter and there are expectations that it will continue to decline.

These are good news almost a year after the virus surfaced in Wuhan, China, and was soon spreading like wildfire across the world. We humans are resilient. We will come out of this battered, but also sobered and wiser.

Stay safe,

Andrés Córdova

SPANISH WORDS

Vaccine – Vacuna
Inmune – Inmune
Mask – Mascarilla
Sober – Sobrio
Regulate – Regular

Why You Can Learn Spanish in Three Days

You can 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. My wife Merri and I took thousands on investing tours to these countries.

In the 1990s we began taking investors to Panama, Mexico, the Dominican Republic and Ecuador.  That’s when we realized an incredible need for an easy, super fast way to learn Spanish.  Our delegates were business people with hard schedules and tight deadlines.  They did not have months, or even weeks to learn a second language.

Plus, even though these delegates were successful international business people, most did not have degrees in grammar.  When it came to sentence structure, punctuation rules, parts of speech, morphology and especially derivation of verbs, they were at a loss. They wanted good basic ways to communicate in Spanish that worked and sounded eloquent, right now, without having to become educated in grammar.

Fortunately there is a scientific method of learning (called Super Learning) that was created and refined by a Soviet educational master, Georgi Lozanov.   Lozanov transformed the entire Soviet Union’s educational system to such a degree that this third world nation beat the USA into space.

My wife Merri was lucky to be one of a handful of students outside the Soviet Union who were taught this system by Lozanov himself in the early 1970s.  She practiced this unique and remarkable form of education for decades so we used it to create a Super Spanish course that has helped thousands of subscribers learn Spanish in three days and less.

This course is now available online.

spanish

Merri teaching a Super Spanish course in Florida.

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, but the scientific Super Learning method of learning… proven and described in numerous best selling books creates educational jumps by making education natural, easy and fun.   This course works because it is education without stress!

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 Soviet educational master, Dr. Georgi Lozanov.

You gain six valuable ONLINE Baroque 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 these four sentences? 

Ask yourself.  “How many words do you know that end in ION”.

You now know all these Spanish words that you will never forget.

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

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

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”.

In an incredibly short time 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 in person course fee is $499 ($749 for a couple).

The ONLINE 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.  

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

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

Here are some testimonials from the course.

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.

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

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.

Still not sure?

Take just ten minutes to let me prove to you that this super fast way to gain the basics can let you can communicate in Spanish in an incredibly short time.

Gary

Gary-scott-super-spanish

Click here for FREE Super Spanish video.

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.

 

Ecuador Probate Law


This week Dr. Andres Cordova shares new information about Ecuador probate law.

andres cordova

Dr. Andres Cordova

PROBATE PROCESS IN ECUADOR

I hope you had a happy Thanksgiving and are enjoying a day of rest amidst all the turmoil created by COVID-19.  So many lives have been lost to this disease I thought it would be appropriate to explain updated probate regulations in Ecuador

Death is a natural and quite inevitable conclusion to our lives and it is important to plan ahead to make sure as best as possible that our wishes are fulfilled, including that of lessening of the confusion and burden that may overcome family members and friends in such trying times.

For those of you who have property in Ecuador or who plan to have it in the future, I am sharing information regarding the steps needed and recommended for your heirs or beneficiaries to be able to legally dispose of your estate in Ecuador.

This process is needed whether there is a will in place or not.

Just as in the US, Canada and other countries, Ecuador requires a probate process too. It can be done in Ecuador, whether the heirs live in Ecuador or abroad.

ecuador

Until not long ago, the probate process in Ecuador was managed through the courts, making things painfully slow. As per somewhat recent changes in our legislation, now notaries can process probate processes, and this has brought welcome efficiency and haste.

It should be noted that the Ecuadorian legal system establishes the children as mandatory heirs. In their absence it’ll be the parents, the siblings, the nephews and the state in that order.

With a will there is some leeway to arrange the disposition of the inheritance, improving the participation of a given child for example, or seeking to exclude an otherwise mandatory heir.

Please note that a foreign court order regarding a probate process may or may not fully fly in Ecuador, depending on a series of factors including the last domicile of the deceased.

Doing the probate process in Ecuador is a recommended option as it can be efficient and straightforward. For such process the death and respective birth certificates are needed. The marriage certificate may also be needed, in case the deceased was married. If there is a will it must also be included.

These documents must come apostilled or, otherwise, legalized at the nearest Ecuadorian consulate.

Other documents may also be needed. Among them powers of attorney (POA) from the heirs for the probate process and posterior sale or disposition of the property. If there is a surviving spouse that had joint ownership of the property or state in Ecuador, he or she may also wish to issue a POA for the respective sale or disposition if that is what the parties want.

The deceased’s estate in Ecuador must be detailed in the petition to the notary (or judge), especially in what regards real estate.

After reviewing all documents and the respective petition, the notary will issue the certification of the probate process, which must then be registered in the respective real registry or registries. Such certification and registration will enable the heirs to do with the property as they see fit.

Before the cited registration, inheritance taxes must be paid. No inheritance taxes need to be paid for up to $72,000, calculated per heir or beneficiary. After this amount the inheritance tax starts at 5% and goes up to 35% after the $864,000 mark.

Let us know if you have any questions,

Best regards,

Andrés Córdova

SPANISH WORDS

Process – Proceso
Siblings – Hermanos
Haste – Rápido
Tax – Impuesto
Wife – Esposa

Why You Can Learn Spanish in Three Days

You can 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. My wife Merri and I took thousands on investing tours to these countries.

In the 1990s we began taking investors to Panama, Mexico, the Dominican Republic and Ecuador.  That’s when we realized an incredible need for an easy, super fast way to learn Spanish.  Our delegates were business people with hard schedules and tight deadlines.  They did not have months, or even weeks to learn a second language.

Plus, even though these delegates were successful international business people, most did not have degrees in grammar.  When it came to sentence structure, punctuation rules, parts of speech, morphology and especially derivation of verbs, they were at a loss. They wanted good basic ways to communicate in Spanish that worked and sounded eloquent, right now, without having to become educated in grammar.

Fortunately there is a scientific method of learning (called Super Learning) that was created and refined by a Soviet educational master, Georgi Lozanov.   Lozanov transformed the entire Soviet Union’s educational system to such a degree that this third world nation beat the USA into space.

My wife Merri was lucky to be one of a handful of students outside the Soviet Union who were taught this system by Lozanov himself in the early 1970s.  She practiced this unique and remarkable form of education for decades so we used it to create a Super Spanish course that has helped thousands of subscribers learn Spanish in three days and less.

This course is now available online.

spanish

Merri teaching a Super Spanish course in Florida.

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, but the scientific Super Learning method of learning… proven and described in numerous best selling books creates educational jumps by making education natural, easy and fun.   This course works because it is education without stress!

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 Soviet educational master, Dr. Georgi Lozanov.

You gain six valuable ONLINE Baroque 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 these four sentences? 

Ask yourself.  “How many words do you know that end in ION”.

You now know all these Spanish words that you will never forget.

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

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

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”.

In an incredibly short time 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 in person course fee is $499 ($749 for a couple).

The ONLINE 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.  

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

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

Here are some testimonials from the course.

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.

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

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.

Still not sure?

Take just ten minutes to let me prove to you that this super fast way to gain the basics can let you can communicate in Spanish in an incredibly short time.

Gary

Gary-scott-super-spanish

Click here for FREE Super Spanish video.

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.

 

Ecuador Consumer Rights


Dr. Andres Cordova shares details about Ecuador’s consumer rights.

andres cordova

Dr. Andres Cordova

CONSUMER’S RIGHTS IN ECUADOR

Ecuador remains and will be for years to come an excellent choice for many types of investments, for relocation, for the purchase of real estate and absolutely for visiting. We have excellent values in real estate whether in the coast or highlands, our financial system is solid and liquid, and can pay substantial interest rates that far outstrip those in the US and Canada at 5% and over and with important guarantees. Our medical system is modern and, especially, quite affordable by any standard. Our people are warm and welcoming and our food tasty and nutritious. Our climate is springtime year-round.

Ecuador awaits you.

With available speeds of up to 1Gbps, I believe we have a rather fast and reliable internet service in Ecuador, especially in the bigger cities.

Earlier this week, however, one of the largest broadband internet suppliers had a massive crash that brought down the service in many parts of Ecuador for a few hours.

As social media started to light up with questions and complaints about the blackout, the internet company put the blame squarely on an international tech platform supplier and provided instructions for a quick solution: a simple change in the DNS code in the computer or device’s settings. I’m somewhat computer savvy and managed to regain my internet immediately with such “fix”. Most people had to ride it out not even knowing a fix was available. Imagine the terror: being without internet for a few hours. We’ve become so reliant on internet it’s scary.

As frustration grew, some people began to raise questions about getting a credit from the company for those “lost” hours calculating each one into a few cents. Others mused about a bigger compensation, due to all the lost work.

Now, it’s evident – to me – that the internet service provider can’t truly be liable for the troubles or lost work of many out of a technical glitch apparently out of its control, unless of course important negligence in the service provider is proven. Every now and then bugs will happen.

All this got me thinking about consumer’s rights in Ecuador.

As it happens, it’s been exactly 20 years since the Consumer Defense Law was issued in Ecuador. For reference, in the US way back in 1962 John F. Kennedy referred to consumer rights in a speech before Congress, touting the right to safety, the right to be informed, the right to choose, and the right to be heard; giving rise to the US Consumer Bill of Rights and a series of laws and regulations that have greatly expanded such rights.

This is an area that is not yet as mature in Ecuador as in other places. The US is a case in point. Nonetheless, there have been important advances and one of them is the cited law, of course.

Our law regulates supplier – consumer relations protecting the rights of consumers to quality and competitive products and services, and to choose them freely. To opportune, truthful and clear information on the products and services offered in the market and against misleading advertising. To a just, equitable and nondiscriminatory treatment from suppliers. And to indemnification and reimbursement for defective products and services.

ecuador

Tourists having fun in Baños Ecuador several months ago.

Many product and service providers in Ecuador, especially if they are well established, will be especially keen on respecting those rights. For those cases when such rights need to be demanded, there are government entities that support consumers in exercising them. Normally it will be the Office of the Ombudsman (Defensoría del Pueblo).

If you have any questions about this and other Ecuador related topics, please let us know as we will be glad to correspond with you.

Warmest regards,

Andrés Córdova

Spanish Words

Consumer – Consumidor
Rights – Derechos
Defense – Defensa
Publicity – Publicidad
Defect – Defecto

Why You Can Learn Spanish in Three Days

You can 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. My wife Merri and I took thousands on investing tours to these countries.

In the 1990s we began taking investors to Panama, Mexico, the Dominican Republic and Ecuador.  That’s when we realized an incredible need for an easy, super fast way to learn Spanish.  Our delegates were business people with hard schedules and tight deadlines.  They did not have months, or even weeks to learn a second language.

Plus, even though these delegates were successful international business people, most did not have degrees in grammar.  When it came to sentence structure, punctuation rules, parts of speech, morphology and especially derivation of verbs, they were at a loss. They wanted good basic ways to communicate in Spanish that worked and sounded eloquent, right now, without having to become educated in grammar.

Fortunately there is a scientific method of learning (called Super Learning) that was created and refined by a Soviet educational master, Georgi Lozanov.   Lozanov transformed the entire Soviet Union’s educational system to such a degree that this third world nation beat the USA into space.

My wife Merri was lucky to be one of a handful of students outside the Soviet Union who were taught this system by Lozanov himself in the early 1970s.  She practiced this unique and remarkable form of education for decades so we used it to create a Super Spanish course that has helped thousands of subscribers learn Spanish in three days and less.

This course is now available online.

spanish

Merri teaching a Super Spanish course in Florida.

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, but the scientific Super Learning method of learning… proven and described in numerous best selling books creates educational jumps by making education natural, easy and fun.   This course works because it is education without stress!

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 Soviet educational master, Dr. Georgi Lozanov.

You gain six valuable ONLINE Baroque 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 these four sentences? 

Ask yourself.  “How many words do you know that end in ION”.

You now know all these Spanish words that you will never forget.

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

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

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”.

In an incredibly short time 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 in person course fee is $499 ($749 for a couple).

The ONLINE 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.  

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

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

Here are some testimonials from the course.

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.

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

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.

Still not sure?

Take just ten minutes to let me prove to you that this super fast way to gain the basics can let you can communicate in Spanish in an incredibly short time.

Gary

Gary-scott-super-spanish

Click here for FREE Super Spanish video.

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.

 

Ecuador Feedback Answers


This week Ecuador attorney Dr. Andres Cordova replies to many of the questions you sent when he asked for feedback last week.

andres cordova

Andrés Córdova

ECUADOR FEEDBACK – RESPONSES

In last week’s article I asked you to let me know your questions and comments so that I may address them in this weeks article. I received numerous comments and questions and I am grateful for that.

I will be following up personally for very specific or more technical questions that warrant that. I have edited the questions for brevity or clarity or simply put a title that resumes what they are about.

Thank you so much; I appreciate the feedback. Keep the questions and comments coming.

All the best,

Andrés Córdova

What are the Leash laws in Ecuador:

A decade ago a specific set of legal provisions for the responsible ownership of pets was passed in Ecuador. This law complements other provisions that we’ve had for some time, especially regarding the responsibility of animal owners towards third parties.

These relatively new provisions include the obligation of pet owners to provide them with adequate care and, in the case of dogs, with adequate education, allowing them due socialization with people and other dogs.

The provisions make emphasis on certain breeds that are not entirely suitable as pets. Breeds that may be dangerous.

As per the law, dog owners are obliged to keep them within their property, with due security to avoid harm to third parties or to the animal itself and to use leashes when walking the dogs in public spaces.

Furthermore, pet owners are obliged to cover with all medical costs for injuries caused by dogs, except in cases of home invasion or cruelty or provocation to the animal. The pet owner’s liability can go beyond this in certain cases, for examples in the case of utter negligence.

Municipalities can issue and enforce complementary pet management regulations. Quito, for example, has its own set of regulations for pet owners.

I celebrate and embrace enhanced legislation for the care and protection of animals and for their responsible handling to avoid harm of troubles for others.

My wife has chronic obstructive pulmonary disease and has a problem with weather extremes. Cold should not be a problem but perhaps the heat and humidity in the coast may.  Higher elevation cities may work, although the rain may be a problem.

There are no weather extremes in Ecuador. In some places going from a t-shirt to a light sweater covers the full temperature swing.

I lived in NY in the late 70s and underwent a major blizzard in 77 and through 104F summer days and can relate to weather extremes. In most of Ecuador it is not like that, and by a long shot.

A coastal area that readily comes to mind that doesn’t get too hot (or cold) and has a rather dry climate is Salinas. It has very little precipitation and in the December to April time of the year, boasts to have among the most sunshine in Ecuador’s coast. For the rest of the year Salinas tends to be overcast, with the eventual sunny day and cooler temperatures.

There are other coastal areas going up from Salinas to Manta that likewise are not too hot or humid. The beaches farther up, by Esmeraldas, tend to be hotter, rainier and more humid. BTW, I love their lush vegetation almost kissing the shores.

I live in Quito and can attest to its thoroughly enjoyable weather. It’s like springtime year round. Now, it can get cold later at night and very early morning, but for the most I believe it hits a rather sweet spot. Quito is not especially humid either.

The same to a greater or lesser extent applies to other highland cities like Cuenca or Cotacachi.

We are not rich and living on SSI, we should be happy in a small apartment. Can you recommend any choices?

There is a varied offer of condos for rent or sale in choice cities in the coast and in the highlands. Some good opportunities can be sourced and most sellers, especially if they are motivated, will entertain lower offers.

HOA fees and property taxes are reasonably low in Ecuador, and this sure helps for those that need to be mindful of their budgets.

First I would like to take the opportunity to thank you for your insightful reports on so many subjects regarding Ecuador.  There is always something new and interesting to learn with each article.  My husband and I have followed Gary and Merri Scott for many years and have yet to make our way down to your beautiful part of the world.  We are however, looking forward to visiting soon…I hope.

Question:  

Our concern is elevation.  We live in rural Arizona at 5,000 feet and would appreciate your input regarding the elevation and oxygen.

Quito, Cotacachi or Cuenca’s elevation should not be a problem for most. Over the years I’ve known very few people that have problem in Quito’s altitude as the body readily adapts. However, as there is less air than at sea level or lower altitudes it may be a problem for people with pulmonary deficiency as the symptoms may become enhanced.

Some people who come to Quito or the highlands may experience fatigue and shortness of breath for a few days, especially when doing physical activity like walking, hauling luggage, climbing stairs, etc.

The body tends to adapt rather quickly and after a few days there are no troubles. I know a few people from the coast that try to avoid Quito or the highlands as they get headaches. They are an aunt and an acquaintance and that’s all.

If you’ve had some problems at 5.000 feet, although they are gone now, maybe you will have them too in Quito and as your body adapts they may fade away. Then again, they may remain.

Age, fitness level, previous conditions, they can all come into play as to how the high altitude may affect you. It is hard to predict.

I will be glad to correspond privately about your particular case. I am not an MD and can’t speak too eloquently in this field but will help as much as possible. Smile.

While interested in relocating to Ecuador, I’ve noticed an increasing attitude change against democracy and capitalism and turning toward socialism which has turned me off.  Can you address this?

This is a good question and something very close to me, as I report from the trenches.

Under the previous regime of President Correa there was an undoubted weakening of institutions, democracy and liberties, especially free speech. Correa was the usual populist strongman, not unlike Erdogan in Turkey.

Nothwithstanding, the core principles of our economic and legal system remained pretty much intact, including those of private property and private entrepreneurship. I don’t want to split hairs here, but this has been the case.

While Correa had a populist, leftist and fiery discourse, his policies where not quite socialist or fringe leftist.

For example, there were no price controls across the board (those that destroy production), nor expropiations or anything of the sorts; although the Government did become bloated and came to occupy a much too big part of our economy under Correa, displacing the private initiative in some instances.

Some of the ridiculous taxes Correa prompted as his regime was coming to an end were promptly taken down in this new government.

For a great majority of aspiring expats, snowbirds and real estate investors many of these political elements are not that consequential, especially if they are looking into good climate, quality of life and making your dollars go further.

I welcome questions every week and look forward to them. I don’t charge for initial consultations unless the complexity and scope would warrant it.

Andres

Please send your Ecuador Questions  to gary@garyascott.com with the word ECUADOR in the subject line.

SPANISH WORDS:
– Please – Por favor
– Days – Días
– Insurance – Seguro
– Choose – Escoger
– Friends – Amigos
– Amount – Cantidad

Learn Spanish and you’ll live longer!

Research at University of Edinburgh found that learning new things can increase longevity.   The research team found that people who study longer and are more open to trying new things have an increased likelihood of better life expectancy.

The results showed that participants who read for more than 3.5 hours a week are 23 percent less likely to die during a 12-year period.  Likewise, those who read for up to 3.5 hours a week have had a 17 percent reduction in mortality risk.

Another study found that listening to Baroque music improves health.

A study comparing meditation to listening to Baroque music shows that blood pressure drops and the pulse slows down.  Stress melts away!

research

Reducing stress improves longevity.

Our Super Spanish course includes super learning sessions that include Baroque music.

Students find the sessions deeply relaxing.

gary-scott-relaxation-session

Students at a Super Spanish course.

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.

Gary-scott-super-spanish

Click here for FREE Super Spanish video.

learnspanish

Learn Spanish in Three Days ONLINE

Instant $110 discount on the course!

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Here are a few quotes from delegates of the course.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

“It was a very enjoyable class.”

How The Course Works

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

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

Here is the proof.

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

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

See examples of the words you already know below.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Due to the difficulty of getting groups together to learn this valuable technique, we created an online program for subscribers to use the Super Spanish course at home.  Normally $149, this is available at the highly reduced price of $79. Simply use coupon code SPANISH110 at checkout.

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

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

Learn Spanish online $79 – using coupon code SPANISH110 at checkout to immediately save $110 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 SPANISH110 at checkout to immediately save $110 off the regular price of $149

Gary

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

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

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

Learn Spanish online $79 – using coupon code SPANISH110 at checkout to immediately save $110 off the regular price of $149

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

Ecuador Property Buyer Rights


This week Ecuador attorney Dr. Andres Cordova provides information on Ecuador property buyer rights.

andres cordova

Dr. Andres Cordova

DO YOU KNOW THESE ECUADOR REAL ESTATE BUYER’S RIGHTS?

Buying real estate is one of the momentous decisions in most people’s lives. Unless very well off, real estate buyers are likely tapping into their savings or becoming indebted in one way or another to acquire property. Either, way knowing your rights when buying property is essential.

In Ecuador property buyers have several rights that while not always expressed in the contracts are applicable across the board and must be understood by buyers so they may exercise their rights in a timely and effective way as may be warranted.

Ecuador legal principles and provision state that all laws pertinent to a given area of transaction are automatically incorporated into such transaction regardless if they are specified in the respective contract or not.

This is the case with two most fundamental protections for real estate buyers that stem from our Civil Code, which is the backbone of our legal system.

These protections are the right to undisturbed legal possession and to be compensated for hidden defects.

While these rights are fundamental across legal systems across the globe, understanding their application in Ecuador is important.

In the first case, regarding the undisturbed ownership of the property, should the new owner be deprived of the property via a legal case for a situation stemming from before the sale, the seller has the obligation to compensate the buyer and especially so if the seller was aware of such proceedings or possibility and failed to notify the buyer.

ecuador

Ecuador real estate offers many opportunities. For example this ocean view house in a gated community is available at a great price.

The right to undisturbed legal possession commits the seller to reimburse the price, the closing costs, all legal collection costs (if any) and the appreciation of the property from the closing until the time of reimbursement.

So this compensation is not for the paid price only. It goes well beyond this.

These cases are uncommon at best. Usually any lawful claim against a property needs to be recorded in the respective real estate registry and it will show before any closing takes place. Most potential issues will show when the respective documents are reviewed prior to the issuance of the deed and delivery of the price.

ecuador

Enjoy ocean views and a soft refreshing breeze. Walk miles of soft-sand beaches.

The compensation for hidden defects is broader and basically entails those defects that are important enough that should they have been made known to the buyer before the purchase, he/she would have decided not to buy or requested a sensible reduction in the price.

It is important that these defects be hidden. This is, that they are not readily visible and evident to any prospective buyer during a tour of the property or that the buyer is not qualified to assess them during a more profound inspection. Usually the asking and closing price of a property reflects its condition and there are no grounds for compensation if, say, a wall’s paint is peeling off; something that is evident at first sight.

Now, contractual relationships require a minimum of loyalty and disclosure by sellers is important, especially with regards to elements that can have important bearing on the decision to buy or not. But we all know that sellers are often hesitant to disclose issues that may get a prospective buyer to back off.

Depending on the magnitude of the hidden defect, the buyer has the option to seek compensation from the seller or to outright rescind the contract and claim the reimbursement of the funds.

In some cases, where it can be proven that the seller knew of a grave defect beforehand and failed to disclose this to the buyer, the seller can be liable for damages. This is important to consider.

Please note that the seller will not likely have to compensate a buyer for elements that can be deemed evident and that could easily be assessed in a simple inspection.

For most of these claims there is a statute of limitations that go from a year to eighteen months from the effective taking of possession date, this is why it is important to know your rights and that you have to move to enforce them within a certain time.

In special cases, the buyer and seller can stipulate a longer period, subsequent inspections and more. This can be the case for some complex negotiations.

All closings in Ecuador will automatically include these and other rights, unless expressly renounced by the parties.

Let us know if you have any questions regarding the purchase of real estate in Ecuador.

Kind regards,

Andrés Córdova

If you have questions about this condos or about Salina Ecuador please send me a note at gary@garyascott.com with the words “ECUADOR PROPERTY” in the subject line.

Gary

Spanish words you can use

Decisions – Decisiones
Savings – Ahorros
Rights – Derechos
Defects – Defectos
Loyalty – Lealtad

learnspanish

Learn Spanish in Three Days ONLINE

Instant $110 discount on the course!

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Here are a few quotes from delegates of the course.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

“It was a very enjoyable class.”

How The Course Works

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

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

Here is the proof.

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

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

See examples of the words you already know below.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Due to the difficulty of getting groups together to learn this valuable technique, we created an online program for subscribers to use the Super Spanish course at home.  Normally $149, this is available at the highly reduced price of $79. Simply use coupon code SPANISH110 at checkout.

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

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

Learn Spanish online $79 – using coupon code SPANISH110 at checkout to immediately save $110 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 SPANISH110 at checkout to immediately save $110 off the regular price of $149

Gary

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

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

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

Learn Spanish online $79 – using coupon code SPANISH110 at checkout to immediately save $110 off the regular price of $149

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

 

 

Ecuador Amazon Problem


Many readers sent me an article from Agora Financial entitled “The Chevron Witch Trial: The Changing Face of Resource Nationalism” about the Ecuador Amazon problem and the ensuing Chevron lawsuit.

See why these Ecuador export tour delegates are creating earning potential and doing some environmental good.

ecuador-flower-exports

Many readers sent me notes similar to this: Gary, I wondered if you’d seen this and were familiar with the case, given your knowledge of and interest in Ecuador?  It sounds pretty scary and doesn’t reflect well on Ecuadorian justice and its authorities, if it’s true. You might want to comment in one of your messages as I assume other of your readers have also seen this matter reported. Regards

The recent article seemed to blame the Ecuadorian government for the problem and has some good points.

Here is a portion of that article:

Ecuador-legal-system

As mentioned the article had some valid points.

However…

We are very familiar with this story which is very, very old news going back into the 1970s.

We have lived with the Amazonians and spent quite a lot of time with the shamans there. Here I am with a Sierra Sion healer.

In fact we built a camp to help a small community of Amazonians who wanted tourism rather than oil revenues to support them.  We lost the entire investment when the FARC invaded that area.   Learn more about our Amazon trips and the Amazon village.

So I see the plight of the Amazonians as well.

I drive a car fueled with gas. I heat my home with electricity and use electricity that may come from diesel fueled generators and buy products delivered from abroad brought to me on ships propelled by their fossil fueled oil bunkers.

So there are two sides to this story.   Quite correctly the emails I have received are, half from this type of article and half from the environmentalists and humanitarians who say Chevron has cheated the poor natives of the Amazon.

See information on the other side from Amnesty International entitled Chevron (CVX) in the Amazon  Oil Rights or Human Rights? Texaco’s legacy, Chevron’s responsibility

Newsweek wrote a good article about this Amazon lawsuit over a year ago that has a balanced view.

If you Google the phrase “amazon chevron lawsuit” you’ll see dozens of articles about this… looking at both sides of the picture.

Plus there are many who argue that this has nothing to do with Chevron or Ecuador but the US legal system that encourages attorneys to file lawsuits like this.

One article “The Chevron Ecuador Lawsuit: It’s all about the Indigenous Peoples of the Amazon Basin says:  Sure it is. The 48 so-called plaintiffs or the 30,000 indigenous people we hear so much about in the media aren’t the financial beneficiaries in the law suit. The money goes to the Amazon Defense Coalition (ADC) and the law firm of Kohn, Swift & Graft.

So who is the culprit… the oil companies?  The Ecuador government?  The lawyers or we the people who use fossil fuels?

Our hearts personally go out to the poor people of the Amazon who are slowly being destroyed by civilization.

Yet we see the business view and we do like a warm home and to travel by car.

Plus if it were not for resource exploration and extraction many, many more people would be poor.

Yes, business does exploit.

There is a similar tales of bad exploitation in the part of Ecuador where we live, not with Chevron but with Ascendant Copper Company.

And another with Mitsubishi Mining.

This is because we the consumer buy their product.

Now another dilemma has bubbled up… with pharmaceuticals.

An October 17 Associated press article “Ecuador’s Correa plans to bypass drug patents” says:  President Rafael Correa says he is preparing to override a host of drug patents to provide lower-priced generic medications in Ecuador.  Correa says Ecuador will seek “compulsory licenses” from companies to produce medications considered indispensable.  Under World Trade Organization rules, countries can issue “compulsory licenses” to disregard patent rights, but only after negotiating with the patent owners and paying adequate compensation. Governments can skip the negotiating by declaring a public health emergency.  Correa says access to medicine is a human right and his decision is motivated by “the philosophy of 21st century socialism.”

When I recently noticed this I was really pretty happy to see this.

Merri and  do not use pharmaceuticals ourselves but recognize the importance they play in many people’s lives.  I consider a lot pf pharmaceutical marketing one of the biggest con games in this generation… makes Madoff pale in comparison.

It is hard for me to have sympathy for this industry as I believe that many pharmaceuticals are bilking the US public.

Already many of our readers come to Ecuador to get their prescriptions at a quarter the US cost.  This hopefully will allow this to continue or do even more.

However…

Where does it end?  If patent law loses its validity what incentive will anyone have to risk investing in new inventions and ideas?

So what can we… the little guy do?

There is not much we can do…  but if we all take some small steps, these rivulets become streams that can turn into torrents that do create change.

In Merri’s and my case, we created a small foundation Land of the Sun (LOTS) to help the environment and the poor of Ecuador.   The foundation rejuvenated the hotel Meson de las Flores which now provides a nice number of jobs at above average wages.  Our 2009 project was helping the Village of Topo above Cotacachi with its infrastructure, school and water system.  Also, LOTS sends a dozen children to school and university in our area…including the first university student from Topo.  In the past, we brought water to indigenous villages and an 80,000 gallon reservoir, schools, reforested 250,000 trees and etc….all off the Avenue of the Volcanoes.

LOTS promotes Ecuador flowers… those grown in green plantations certified by Veriflora.

We promote the ideas of having an internet business that sells exports from Ecuador to help stimulate the Ecuador economy… and to help North Americans who find they need new avenues of income.

Here are delegates at our most recent Ecuador export tour…

ecuador-flower-exports

learning…

ecuador-flower-exports

how to conduct…

ecuador-flower-exports

an Ecuador flower party.

In another way we were early advocates of green investing in the mid 2000s through our Spottingtrends.com site and mutilicurrencyinvesting.com where we launched our Green Portfolio Study in 2006.

This is one reason why we focus on green investing and business ideas.
See https://www.garyascott.com/2008/04/01/2064.html

Here perhaps is the most important message.  Self interest is nature’s way of making sure every sentient being remains alive.  Only we human’s  have an imagination to understand the risks of ungoverned expansion.   All other life forms, given the chance will grow themselves out of existence.

Due to the conflict of our vision and this natural self serving impulse, we know that consumers will tend buy what seems most comfortable to them in the short term.

We know that big business will often take advantage of this fact and exploit, without conscious, resources to serve this impulse.

This conflict creates huge problems.  Huge problems create great opportunity… so look for small ways you can serve yourself now and help the future.

Let the big guys fiddle around with their battles while we each do the best we can… trying to make positive environmental and humanitarian statements and changes through the way we live enjoying earning, investing and living in the sun each day.

Gary

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

December 6-8 Blaine Watson’s  Beyond Logic & Shamanic Tour

December 9-10 Imbabura Real Estate Tour

December 11-13 Ecuador Coastal Real Estate Tour

Join us in 2010.   Attend more than one seminar and tour and save even more plus get the three emailed courses free.

Our multi seminar-tour discounts have grown!

See the 2010 winter schedule below.

2 seminar courses & tours

3 seminar courses & tours   $1199 $1,749

4 seminar courses & tours   $1,399 $2,149

5 seminar courses & tours  $1,599 $2,499

(Be sure to show in the comments section which courses and tours you are attending)

International Club attend up to 52 courses and tours in 2010 free.

Jan.   8-11     Ecuador Export Tour ($499) Couple $749
Jan. 13-14     Imbabura Real Estate Tour
Jan. 16-17     Coastal Real Estate Tour
Jan. 19-20    Quito-Mindo Real Estate Tour
Jan. 22-23    Cuenca Real Estate Tour

Feb. 11-14   Quantum Wealth Florida -International Investing & Internet Business, Mt. Dora, Florida ($749) Couple $999
Feb. 15-16   Travel to Quito and Andes
Feb  17-18   Imbabura Real Estate Tour
Feb. 20-21  Coastal Real Estate Tour
Feb. 23-24  Quito-Mindo Real Estate Tour
Feb. 26-27  Cuenca Real Estate Tour

Mar. 11-14     Super Thinking + Spanish Course, Mt. Dora, Florida ($749) Couple $999
Mar. 15-16    Travel to Quito and Andes
Mar. 17-18     Imbabura Real Estate Tour
Mar. 19-20    Cotacachi Shamanic Tour
Mar. 22-23    Coastal Real Estate Tour
Mar. 25-26    Cuenca Real Estate Tour

The greatest asset of all is the ability to labor at what you love wherever you live. This brings everlasting wealth.

This is why we are providing a special three for one offer with our  course Tangled Web… How to Have an Internet Business

This course can help you create your own internet business.

Our emailed course “Tangled Webs We Weave – How to Have Your Own Web Based Business” is a continuing educational program.  You receive the first 28 lessons when you enroll and a new lesson every week or two.

This course teaches how to create a web based business and is developed from the ongoing experiences that we have from our successful and profitable internet business.

This course is well worth the enrollment fee of $299… but currently you also receive two additional courses FREE.

The other two courses are #1: International Business Made EZ, and #2: Self Fulfilled – How to be a Self Publisher.

These two courses have sold for $398 and thousands have paid this price. We add them to your course, at no added cost, as I believe they will help you develop a better business in these crucial times..

Even Better Get All three Courses Free

To make this offer even more compelling,  I am giving everyone who enrolls in all our seminars or tours for any one month, October, November or December, “Tangled Web… How to Have an Internet Business Course,”  “Self Fulfilled- How to be a Self Publisher” and “International Business Made EZ” free.

Here is another Ecuador export delegate at Hilana. Learn about and see more Hilana export products below.

Internet-export-idea

Ecuador & International Banking Update


Here is an important Ecuador & international banking update created by the wonderful world of mobility in which we live.

Our global mobility provides huge benefits… broadens our horizons and enriches mankind through global trade.   Yet being global also creates some problems… one of them is banking.

This site recently posted a message about Ecuador banks that began with, “I do not trust Ecuador Banks.”

This is not a slight on Ecuador.  This statement is a comment on the realities of trying to maintain control of one’s own wealth in an era where almost all governments are increasing control over money.

The banking article was followed by  another article stressing  the importance of diversification in Ecuador Diversified.

Here is a reminder of the importance of this information.  A couple of years ago I purchased a block of buildings in Ecuador planning to resell them.  I am according to plan selling them now and recently received a payment.

My attorney wrote this to me:

They deposited funds in my account last Wednesday to pay for the condo and asked me to send to you.  There is a 2% tax on money going out of Ecuador which was recently established, plus bank commissions.  I will wait for your instructions  to wire these funds to you.

There previously was a 1% tax but it has now been increased to two percent. This increase is not a big deal but a step in the wrong direction and a reminder that we should never trust any one country, currency or banking system.

I just sent our Ecuador Living subscribers an alert about one more Ecuador banking problem.  Ecuador Living subscribers click here.

Learn how to subscribe to Ecuador Living here.

Hence my mantra to have what I call a “Six Point Command Posture” which is to:

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

Where to Bank

Knowing where to bank is a growing problem… especially for Americans.  Non Americans should read this article any as you’ll see that you are not exempt from this problem either.

Americans are being crushed between a rock and a hard spot.

The Rock. Many US banks will no longer accept Americans residing overseas because they have a foreign address. This has been caused by the US Patriot Act.  Banks have to know their clients so they refuse to accept (or keep) clients with overseas addresses, even Americans who have banked with them for decades, but change their address.  The following banks have been sited as closing accounts with just 30 days notice of long term customers just because they took on a US address: Ameriprise, Bank of America; Bank of New Hampshire; Citibank; Citizens Bank; Edward Jones, St. Louis; E- Trade; Fidelity Investments; INGDirect; JPMorganChase; Morgan Stanley; National City Bank in Riverview, Michigan; Provident Bank, Maryland; Smith Barney; T. Rowe Price; USAA Federal Saving Bank; Vanguard mutual fund; Wachovia; Washington Mutual; Washington Mutual Investment, Spokane; WellsFargo; Zions Direct.

The Hard Spot. At the same time the IRS has created a set of regulations that discourage non US banks from accepting Americans.

Many Swiss and British based banks will no longer accept Americans.

Here’s an excerpt from a 13, June 2009 Telegraph article entitled “Lloyds Bank hit by Obama tax purge” by By Louise Armitstead:   Banking group drops American customers in UK ahead of costly proposals to stamp out tax evasion  Lloyds Banking Group is ditching American customers based in Britain pending a crackdown on international tax evasion planned by President Barack Obama.

This week American private client account-holders at Lloyds’s received letters informing them of an “important change in policy regarding clients who are resident, domiciled or linked to the United States by property or asset holdings”. They were told the bank had “no choice” but to “cease acting as your investment manager.”

One letter sent to Bank of Scotland’s portfolio management division, which is now part of Lloyds, said: “The USA has a mature regulatory environment governed by its Securities and Exchange Commission. These regulations mean that we are not licensed to manage portfolios for US clients.”

The letter added: “Unfortunately we cannot offer an equivalent service from within Lloyds Banking Group.” Clients have been advised to transfer their assets.

One recipient, who has lived in the UK for over 25 years, said: “After all this time, I’ve suddenly been told I must take my money elsewhere and I don’t understand why. Now I’m scared that other banks won’t take me on either.”

The Brits are no the only group shedding US account holders.

A July 12, 2009 USA Today article entitled “Some foreign banks drop U.S. clients because of UBS flap”  by Kevin McCoy explains how other banks have booted Americans as well.  An excerpt says: The closely watched Justice Department court fight to get the names of 52,000 suspected American tax evaders from Swiss banking giant UBS has prompted some other foreign banks to drop U.S. clients they once welcomed, tax experts said Monday.

Eager to avoid a similar struggle with federal prosecutors, banks including Credit Suisse and HSBC in recent weeks have notified American clients they must close their offshore accounts or transfer them to the institutions’ U.S.-based operations, where tax reporting requirements are far stricter.

“Overall, the international banking community, and particularly the offshore banking community, has been very friendly to American account holders,” said William Sharp, a tax law specialist at the Sharp Kemm law firm in Tampa. “That changed in the past couple of months as a result of the UBS case.”

The Dutch were early in dropping American clients.

ABN AMRO, a huge, Dutch based, international bank gave all clients  with U.S. passports within 30 days notice in 2008 and then closed their accounts because of the  high costs to comply with U.S. regulations.

Expect this problem to get worse! Beginning in 2010 stronger US reporting rules will force even more overseas banks to stop accepting Americans.  They simply cannot afford to fill all the obligations.

Americans should not feel totally alone…nor should non US investors feel totally safe from being shut out of a banking center.

According to the British Times Newspaper, Barclays Bank used the US anti-terror laws to shut down the personal bank accounts of British citizens who were working for Iranian owned businesses.

The bank enforced anti-Iran sanctions under the US Patriot Act.  Accounts of Iranian owned companies that operated completely legally in Britain were shut.  But Barclays went much further. They amazingly shut down accounts of directors of these companies and even more amazing they shut the personal accounts of ordinary staff members, including clerical officers, computer engineers and bank tellers, just because they worked for an Iranian owned company.

Here is an excerpt from a June June 6, 2008 Times of London article entitled, “Barclays bank rejects customers to comply with US terror law:”  Barclays began the account closures in February, shortly after reports from industry sources that US Treasury agents had been touring the City of London putting pressure on financial institutions to withdraw from any form of business that might have Iranian links.

One source told The Times that City banks had been warned that they would lose access to the US market if they continued to deal with Iranian businesses. Barclays has extensive business interests in the United States.

Case study: Cast out in the supermarket

Chris was doing the shopping in Tesco when Barclays rang to tell him that his bank account was being closed. Later that evening his wife was told that her Barclays account, which she had held for 25 years, was also being closed.

Chris, 46, works in IT for Bank Saderat, and his wife is in the accounts department of Melli Bank. Both institutions are Iranian-owned. “They said it was because of sanctions but I knew there were no British sanctions on the banks. I asked them if they were responding to US laws and they said they didn’t have to give me a reason,” he said.

The couple opened new accounts with one of Barclays’ rivals but they had difficulty transferring standing orders, especially Chris’s child-support payments. He said: “I know that UK banks are being pressured by America to stop all dealings with Iran but what impact will it have to shut an English bloke’s account with an English bank? The Iranians won’t give a monkey’s. What upsets me is the lack of respect Barclays have for their customers.”

This last comment hit me strongly… the lack of respect many of the big banks have for their clients.

This is one reason I have enjoyed banking with Jyske Bank in Denmark for more than 20 years.  Jyske is big and well managed enough to be very safe, but small enough to provide genuine care and attention to the individual.

This is why I was not surprised that a number of years ago, Jyske made the decision to spend a lot of time, energy and money to comply with US law so they could continue to serve US as well as non US investors around the world.

This shift though has created some confusion. For example a Reader from the Netherlands sent me this note:  Hello Gary, Since beginning of this year we are subscribed to your newsletter. In your articles we read that it is possible to go to Jyske Bank and start doing multi-currency for about 30,000 dollars. We were very enthusiastic about this philosophy and asked the Jyske Bank for information. However we were very surprised when we got information back including the message that we have to start with $150,000 euro. Can you help us and maybe clarify the misunderstanding about this starting amount?  Thank you very much in advance!

The services and minimums required by Jyske Bank Private Bank (JBPB) for non US investors differs from those offered by Jyske Global Asset Management (JGAM) who serves US investors.

Jyske Global Asset Management (JGAM) offers Americans managed accounts, advisory accounts and IRA services to US clients.

JGAM’s managed accounts provide Americans with access to international investments in all currencies, traded on all stock exchanges.

There are two levels of managed accounts for US investors:

Mutual Fund Managed Accounts, $50,000 to $200,000.  Accounts from $50-200,000 are mainly  invested in mutual funds and ETF`s in order to get the appropriate diversification.

Individual Investment Managed Accounts from $200,000 up are mainly invested in individual securities as trading costs are not prohibitive for this size of account.

There are two forms of advisory accounts for US investors.

Advisory Accounts for US Residents.  Accounts for US residents are available and provide access to investments in currencies, commodities and US listed securities.

Advisory Accounts for Americans who are resident outside the US.   US citizens who are resident outside the US (proof of residence is required) have access to investments in currencies, commodities and all international investments in all currencies, traded on all stock exchanges.

The minimum required to start an advisory account is $25,000.

Because the minimum annual fee is  $1,000 JGAM recommends an initial deposit of minimum $50,000.

IRA accounts are managed accounts with more conservative investments than those in a normal  managed account.  IRA accounts require a minimum investment of $50,000.

Jyske Bank Private Bank offers the following services to non US investors.

Non US Clients can open accounts with minimum deposit of Euro 150,000 (approximately 220,000 USD), or equivalent in another currency.

JBPB works with six profiles:

Income profile. A low-risk profile, invested in currency accounts (cash) and/or traditional bonds.

Stable profile. A low-risk profile, invested in bonds (incl. high- yielding bonds), a small equity part.

Balanced profile. A medium-risk profile, invested in equities and bonds (main emphasis on bonds).

Dynamic profile. A medium-risk profile, invested in equities and bonds (main emphasis on equities).

Growth profile. A high-risk profile, invested mainly in equities and a lesser share in bonds.

Aggressive profile. A high-risk profile, invested almost exclusively in equities.

There are six managed strategy funds (available only in Euro) for investors who want managed services with minimum deposits of US$ 220,000. These six funds are based on the principles of asset allocation and match the investment profiles above so all investors can attain risk diversification, risk management with even a limited investment.

There is a full Discretionary Portfolio Management service for investors who want managed services with US$ 350,000 and above. This service is also based on the six strategies above. Jyske Bank will invest and manage the clients portfolio in close cooperation with the Bank´s experts and their network of international partners. These strategies are offered in EUR, USD, GBP, DKK and SEK.

Investors, who do not want managed services, and have accounts of US$ 220,000 or more, can wish to engage in an active dialogue with their advisers and be very involved in the decision-making process. based on the client’s investment profile. They can invest in currency accounts in a large number of currencies, all tradeable equities and bonds, mutual funds and commodities.

Here is one huge feature I like very much about both JBPB and JGAM…  No Jyske employees in  management, advisory services or any employee receives any kind of bonus pay. This eliminates any temptation for hidden agendas to exist.  Employees have no incentive give any advice or take any action that is not in the client’s best interest.

Technology has given great mobility to our wealth. This mobility is good for the individual and the global economy… but governments do not like this as they wish to control our finances.  The tension created by this struggle between the individual and the collective has created a never ending thrust and counter thrust of regulations and adaptions to these rules.  It is harder to maintain a diversified global portfolio than it used to be… but the effort is still worthwhile.

Gary

The greatest asset of all is the ability to earn wherever you live, which brings everlasting wealth.

This is why we offer our course Tangled Web… How to Have an Internet Business.

A clear mind and healthy body are also a vital assets… plus a second language is a powerful diversification tool.

This is why I am giving everyone who enrolls in our North Carolina or Ecuador International Business & Investing seminar in October or November our “Tangled Web… How to Have an Internet Business Course” (offered at $299) free.

Here are comments from a reader about the way we help:  Thank you for your inspiration and information outlining foreign banking and retirement.  Your comments and suggestions are welcome for planning the steps to evaluate the early stages of living abroad.

Sept. 17-21 Ecuador Super Thinking + Spanish Course

Sept. 23-24 Imbabura Real Estate Tour

Sept. 25-28 Ecuador Coastal Real Estate Tour

Join us with Jyske. Learn more about global investing, how to have an international business and diversification in Ecuador at the seminar.

Oct. 9-11 IBEZ North Carolina with our webmaster  David Cross & Thomas Fischer of JGAM

October 16-18 Ecuador Southern coastal tour (early sign up before Sept. 1, $499 per person).

Oct. 21-24 Ecuador Import Export Tour

Oct. 25-26 Imbabura Real Estate Tour

Nov. 6-8 IBEZ Ecuador Seminar

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

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

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

Read the full articles:

Lloyds Bank hit by Obama tax purge

Some foreign banks drop U.S. clients because of UBS flap

Barclays bank rejects customers to comply with US terror law

Ecuador Scams


Ecuador scams are like scams anywhere in the world… best avoided.

There are enough scams in the world that we have no control over like… Madoff…  like Federal spending… like Social Security… like underfunded pensions.

Yet we can avoid scams  that we would otherwise bring on ourselves.

Decades ago we learned that there are many scams in investment markets which is why we have always focused on working with large, experienced global firms like Jyske Bank.

Here are delegates chatting in the courtyard of Meson de las Flores with Peter Laub of Jyske Global Asset Management during an IBEZ Ecuador course.

ecuador-shots

Yet scams go way beyond the investing community and they are everywhere… including Ecuador.

When one moves to a new place… it is hard to know all the ropes. This is a bit frightening and often leads new arrivals or investors to depend more on other expats.

This can be a huge error… because Ecuador scams… or scams anywhere are promoted as often by other expats as they are by local residents.  

People are not more honest just because they come from the same country you do.

I learned this the hard way when I moved to Hong Kong almost 41 years ago.

I had a really wonderful apartment in the mid levels of Hong Kong on Bowen Road.  “Bowen Do Ng Ho” (Bowen Road #5 – This is the last of my Cantonese!)  We had an extra bedroom we rented to a very nice American woman. She met a guy who became her boyfriend… a redheaded freckled guy I recall. He was an architect… so he said… with a San Francisco firm arriving in Hong Kong to build a skyscraper.  He was a very pleasant fellow… a “jolly chap” my British friends used to say.

Somehow, for the financing, the woman, who rented our apartment, became involved. To make a long story short… the guy (and the financing) disappeared.  Huge bills owing were strewn around town.  The woman, who rented our apartment, was devastated and left on the hook.  We had all been fooled until days after this con artist fled.  We had all felt more comfortable since we were dealing with what we thought was a “known”…someone from our own culture.

So my ears perked up when a reader wrote to me after our latest Ecuador Visa Update.

“Gary, When I read your newsletter today, I was hoping you would say something about the cost of a visa.  Unfortunately, there are people who are promising newcomers a resident’s visa for $7000.  I’ve never heard of anyone paying more than $2000 for a resident’s visa, no matter which lawyer they used.

The reader went on to say that one  couple discovered this scam and tried to back out of the contract.  This elderly couple was threatened by a lawsuit.

I do not have all the facts so cannot be sure if this is a pure scam… just really unfair pricing or if more than just a visa was offered, but $7,000 seemed awfully high if all that was provided was just a resident visa.  I immediately wrote to the three attorneys who advise us in Ecuador to check on the price.

Although we were totally unaware of any of this, it did remind us that all of us should always take care and do our research when we move or visit other countries.  This is what I wrote to the 3 attorneys that we use:

“I would like to inform readers about what is a reasonable amount they should expect to pay for a resident visa.  Could you provide this?  Regards, Gary”

The first reply came from our attorney, Dr. Andres Cordova. He wrote:  Dear Gary:  If this story is true then it’s terrible. Poor people. They can contact me immediately and I will take care of them.  I will review their case for free.  It may be possible that these possible scammers are doing things under the
table, cutting corners. This would be bad, but instilling fear on clients is beyond reproachable.

Lawyers would normally charge between $800 and $1.000 for a visa, including for a family. In some cases where there is an added complication the cost may be a little bit higher.

Some bigger law firms may charge between $2,000 and $4,000 for a visa but normally when obtained of behalf of major investors, corporate CEOs, etc.  I believe $800 to $1.500 is reasonable. We charge $800 to $1.000.  Regarding expenses, they are of about $350 per visa plus some $100 in general, for the whole family.  Best regards, Andres.

This is very kind of Andres to offer free legal assistance. He has helped so many of our readers in the past. See ways he has helped readers here.

Another excellent and reliable attorney, Roberto Moreno, wrote:   Gary,  Yes, $7000 is absolutely out of range. Depending on the visa we charge from US$900 to US$1200.  Also, it is important to inform the readers that some lawyers will just obtain visas with few requirements, especially in Guayaquil.  The risk is that the visa could be removed later on. We prefer now to obtained all the visas for our clients at the immigration office in Quito.

cotacachi-green

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

Learn more about Roberto and his firm here.

The third attorney, Floridalva Zambrano wrote:

Hi Gary, This is a terrible thing!!  Your reader is correct,  the cost of obtaining a resident  visa, including attorney fees,  fluctuates between $1,200 and $2,000, being this last one a very high one.  We usually charge  about $1,300.  Checking with other attorneys  from Quito this is the the standard cost.  Hope this helps!!

Here is one of our Ecuador real estate tours meeting with our attorney, Floridalva Zambrano.

ecuador-beach-prices

Flori is one of the few attorneys with such experience that when she conveys a property, a US title insurance company will provide US title insurance.

Learn about Flori’s law firm here.

There you have it… three very reliable Ecuador law firms charge about $1,200 for a resident visa.  Whether you feel someone charging much more is a scam or not is up to you… but when you move to Ecuador or anywhere that is new… you are more vulnerable so watch out for price gouging and scams.

Gary

One benefit of an Ecuador Living subscription is that we do not take commissions or kickbacks on real estate, legal work, hotel or tour reservations… or anything.  There are no hidden agendas.   We even donated our hotel to a foundation to help promote employment in Ecuador so we do not even make a penny from the income at Meson de las Flores.    Our goal is to help our readers enjoy safe, easy, profitable, low cost journeys to Ecuador.  Learn more about our Ecuador Living Service here.

The greatest asset of all is the ability to earn wherever you live, which brings everlasting wealth.

This is why we offer our course Tangled Web… How to Have an Internet Business.

A clear mind and healthy body are also a vital assets… plus a second language is a powerful diversification tool.

This is why I am willing to pay you $300 to attend either our Ecuador Super Thinking plus Spanish seminar in September or our North Carolina International Business & Investing seminar in October.  Sign up for either seminar and I will email you our Tangled Web… How to Have an Internet Business Course (offered at $299) free plus I’ll knock an extra dollar off your seminar fee…. to round up the $300 savings.

Here are comments from a reader about the way we help:  Merri, I am sitting here with a smile on my face.  I am always amazed at the turn around that I get from my emails to you.  I know you are busy with all of the projects that you and Gary address on a daily basis and appreciate very much you making time for mine.

Sept. 17-21 Ecuador Super Thinking + Spanish Course

Sept. 23-24 Imbabura Real Estate Tour

Sept. 25-28 Ecuador Coastal Real Estate Tour

Learn more about global investing, how to have an international business and diversification in Ecuador at the seminar.

Oct. 9-11 IBEZ North Carolina with our webmaster  David Cross & Thomas Fischer of JGAM

October 16-18 Ecuador Southern coastal tour (early sign up before Sept. 1, $499 per person).

Oct. 21-24 Ecuador Import Export Tour

Oct. 25-26 Imbabura Real Estate Tour

Nov. 6-8 IBEZ Ecuador Seminar

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

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

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

Ecuador Preconstruction Property


Here is an Ecuador beach preconstruction property.

ecuador-beach-property

We do not normally write about or allow advertising of Ecuador preconstruction property but Dr. Andres Cordova, our friend and attorney, has helped so many of our readers over the past decade that we skipped this rule and posted a message about his special Ecuador preconstruction property.

Andres is the grandson of one of Ecuador’s more famous presidents. He is a senior partner in a law firm that represents Ecuador’s treasury.

Yet to me he is an example of how Ecuadorians are willing to help others in so many ways.

For example, we warn our delegates and readers to stay away from the Mariscal Sucre area in Quito. This is a very touristy area that many of the tour agents promote. This area is loaded with very clever pickpocket type thieves.

Regretfully some delegates do not mind our warnings, as was the case when a delegate from our course, on his way back to the US, visited this area. His carry on bag was stolen (in a tricky but non aggressive way). He lost everything, passport, wallet, car keys, credit card, driver’s license, computer. He was stranded with $3 left in his pocket.

Fortunately he called us in Cotacachi. I called Andres who immediately left his Sunday afternoon lunch and within the hour had picked up our delegate, given him $200 cash and sent him back to us in Cotacachi. (The US Embassy would not help the delegate until Monday.)

This is not the first time Andres has gone out of his way to pull a delegate’s irons out of a fire. A few years ago, a delegate arrived for our Import-Export Expedition. The delegate had journeyed to Peru first and purchased many huge bags of goods to take back to the US . Naturally Ecuadorian customs wanted to tax them. Though it was nearly midnight, one call to Andres got him working and he immediately sorted the problem out.

Now Andres has done it again. A reader just sent me this note.

Wanted you to know that Andres handled the closing on my place and would not charge anything…Nada, 0..Maybe that was his way to make up for his sometimes slow response time…..In any event that is impressive..Hope you are well. We will be in Argentina most of November, then to Nicaragua and Panama in January…One of my sons in selling property in Panama ..Cheers,.Ed

Andres continuing help and goodwill to our readers is one reason I have posted details of his Ecuador beach preconstruction property offer (get a $135,000 condo for $35,000) here.

We are not involved in this project financially or in any way.  Preconstruction property deals involve high risk and anyone who considers this Ecuador beach preconstruction property deal should use all normal due diligence.

Gary

Learn about an Ecuador Southern Coastal Real Estate tour here.

Bank Privacy Gone


The problem of getting Bank Privacy is gone.  Now the problem is being able to get a good international bank at all.

The problem is that Americans have lost control of their wealth.

An insidious form of of loss has been taking place for decades and now we are in the end game.

The theft has taken place in the same way the Nazis robbed the Germans of control.

A German industrialist once explained how the Nazi’s took over when he explained that very few people were Nazis.  However many enjoyed how the Nazis brought back an external German pride.  Most were just too busy to care.  The majority let it all happen at an early stage.   Too late the realization came that the Nazis were in total control.   See how this has happened to your wealth here.

This is what has happened to American wealth.

Now we are in the end game.  I have been warning about this problem of reduced bank privacy for over 2o years… first in my printed books and newsletters… later at my web site.

Here is what I wrote at this site almost nine years ago to the day, July 13, 2000.

More on the loss of bank privacy

Bank privacy no longer exists. Some years ago I wrote about the insidious tactics that the US and other governments have used to erode financial privacy and personal liberty and pointed out that the problem is that the government does not attack the individual but puts the pressure on the overseas financial institutions. The current additional move by the US government to collect tax is just one more small step.

The message below shows that one of our readers does not understand this yet. After his message I put my comments below.

“Gary  How can a non-US institution, and there must be many thousands of them in hundreds of countries, be “forced” to comply with the IRS and become a tax collector for them? I would think that most of them would tell the IRS to stick it. Or simply ignore it. Sounds more like scare tactics for US “taxpayers.”

The problem began in the 70s when the SEC sued an investment manager in the US who was managing an overseas mutual fund which kept all its money in Switzerland. The SEC demand to the Swiss bank (Credit Suisse) that they return the money (it was many millions) to the US. The Swiss bank pointed out that the fund had not broken any law and that they had no legal way to return the money.

The US simply seized an equivalent amount of Credit Suisse’s money in the US. The was the beginning of the end of bank privacy. The simple fact is for an international bank to operate it must hold accounts in the US, England, Germany, Japan, etc. This makes these institutions vulnerable to the authorities in each country.

Now we can see that this bank privacy problem has grown so serious that more and more international banks will not accept US investors.

Excerpts from USA TODAY article entitled “Some foreign banks drop U.S. clients because of UBS flap”  by Kevin McCoy shows how far the loss of bank privacy has grown.

The closely watched Justice Department court fight to get the names of 52,000 suspected American tax evaders from Swiss banking giant UBS has prompted some other foreign banks to drop U.S. clients they once welcomed, tax experts said Monday.

Eager to avoid a similar struggle with federal prosecutors, banks including Credit Suisse and HSBC in recent weeks have notified American clients they must close their offshore accounts or transfer them to the institutions’ U.S.-based operations, where tax reporting requirements are far stricter.

“Overall, the international banking community, and particularly the offshore banking community, has been very friendly to American account holders,” said William Sharp, a tax law specialist at the Sharp Kemm law firm in Tampa. “That changed in the past couple of months as a result of the UBS case.”

The owner of an HSBC account in Jersey, one of the English Channel islands, recently received a 45-day notice to close the account, said Robert McKenzie, a tax law specialist at Arnstein & Lehr in Chicago. A client with an offshore Credit Suisse account got a similar notice, he said.

Some foreign banks elsewhere now avoid offshore business with Americans because they know the Justice Department plans “to extend this effort to other jurisdictions beyond Switzerland,” said Martin Press, a tax expert at Gunster Yoakley Valdes-Fauli & Stewart in Fort Lauderdale.

It was a smart move. Overseas banks do not vote and do not lobby in Congress.   US banks of course do not mind the competition getting kicked.

A few writers, (ourselves included) have been sounding the warning… in our case for decades.

Yet we are small potatoes and this never reached the majority of the public awareness.

The freedom to bank abroad has never been removed. Conditions have just been set so overseas banks cannot serve Americans.

Clever.  This leaves US investors with fewer ways to protect against inflation created by irresponsible spending.

The loss of bank privacy is not as bad as the loss of being able to use competent international banks.

Fortunately some banks like Jyske Bank (the Danish bank I have worked with for decades) has taken the time and considerable expense to qualify to serve US customers and actively accept them.

One way to overcome this problem is move.  Live and/or retire outside the US. Retire in Ecuador or somewhere you enjoy… as many Germans who saw what was coming did before the Nazis took total control.

This is one reason why so many Americans are moving abroad. See more at America Moving Abroad.

Gary

Join us at our North Carolina farm this July or October for our International business & investing seminars below. Learn more about early retirement and Ecuador.

July 24-26 IBEZ North Carolina

Oct. 9-11 IBEZ North Carolina

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

July 24-26 IBEZ North Carolina

Oct. 9-11 IBEZ North Carolina

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

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

Oct. 21-24 Ecuador Import Export Tour

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

See the entire article Some foreign banks drop U.S. clients because of UBS flap at http://www.usatoday.com/money/industries/banking/2009-07-12-ubs-secrecy-case_N.htm