Tag Archive | "North Carolina farm"

Ecuador Car Rental Review


See below why our recent article about Ecuador car rentals aroused more than just comments about cars. That message evoked a strong reaction to change… a change that must take place…  a change where resistance is futile and in many places a gesture that degrades our chances for happiness, health and a life of ease.  See why below.

We Americans do love our cars.

I know.

I have kept my little Suzuki Samari going for 22 years now… and hopefully will be driving it for another 22 years…. or more.

 

Four wheel drive from flowers. What fun!

I was not surprised that my suggestion in the Ecuador car rental article “get a driver rather than rent a car  in Ecuador” caused some panic.

You can read that article at car rentals in Ecuador

Beware those who try to separate Americans from their cars!  This caused one reader to worry so about the cost of cars that he wrote:

Hi Gary,  what about importing your own car, or buying one there?
From what you are writing, the living seems to be very inexpensive, that is until you want to travel on your own. Try that on $1000 month or a fixed income.
All that shines is not gold. Reading between your lines these past 3 months I have come to conclude that there are lots of “hidden” costs in living in this 3rd world country.

I have lived for decades in many similar countries, and even worse, however never have I encountered such car costs as you describe. These are by far the most expensive car rentals I have heard of.  Doesn’t make sense living there unless one wants to walk or take taxis everywhere. An independent person would be doomed to frustration.  No, thanks…this was the article that opened my eyes.

This reader jumped to some incorrect conclusions. The gist of the article was that people who visit Ecuador should hire a car and driver.

The car rental situation is quite different for a tourist than for someone who has moved to Ecuador, learned the system… knows the roads and is not trying to see the country in a limited  time period.

Many people who live in Ecuador have cars.  Cars are not that expensive…. especially new ones partly assembled in Ecuador.

Gas is really cheap ($1.50 a gallon) and mechanics very inexpensive.

We recently looked at buying a four wheel drive Land Rover Challenger in good shape for our hotel.  The asking price was $15,000.  But we wouldn’t drive it.

GoEcuador says: It is now possible to obtain a used car in good condition beginning at $4000.

I just posted an entire report about prices of used cars for our Ecuador Living subscribers. If you do not subscribe to Ecuador Living and want that report on Ecuador car prices, learn how to get that report here.

Plus that reader says he is independent because he has a car?

He forgets the fact that this means he is very dependent on cheap gas… something he may not have for long.

In Ecuador, the cost of hiring a driver can be less then renting a car and may even less than owning your own car. The availability of drivers with cars can eliminate the idea that we become dependent on others if we do not have a car.

One small piece of technology altered the automobile driver equation… the cell phone. In Ecuador most people have cell phones.   A number of drivers we and many others rely on have cell phones.  A car is always just minutes away from a call… no parking… no insurance… no maintenance… no getting gas.

Another reader wrote:

Thank you!  We would purchase a locally manufactured ‘middle of the road’ (pun) vehicle.  But I’m worried about drivers, accidents, tickets, gringo-problems with the locals and the police as well as the various other road condition, speeders, etcetera other issues.  (We have both driven over 45 years in various countries with no tickets – I’m not worried about our driving.)  We plan to relocate to Ecuador – probably suburban/rural area (but near enough to a city with a bilingual school) so will need a car daily for commuting our daughter to school, shopping, and more.  How can it be affordable to take taxis all the time instead of owning a vehicle ourselves?  Please let me know how others do it.   Do you and Merri drive in Ecuador? Thanks.

These notes conjure several important points about change from living in Ecuador or anywhere abroad…  points that go way beyond cars.

These readers, like so many readers who contact me, projected the old American commuter ideal onto an imagined lifestyle into Ecuador.

Why?

This mental error is understandable.   We Americans are car junkies.

I am living proof.

Like many Americans I obtained my driving license on my 16th birthday.  Shortly after I found a job and bought my own car… a 58 Chevy Bel Air just like this.

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That was a great car and I just about lived in it.  We boomers in high school were judged by our cars!

I initially carried the burden of the car mentality with me when I left the USA.  I have driven in some crazy places during my time… jungles… war zones… deserts… swamps.  We’ve had our car robbed in Nice … had fender benders in Djakarta and on roundabouts in London and Rome.  Merri had her car bombed in the parking lot of the Picasso Museum in Barcelona…along with everyone else’s car there. (Long live the Basques!) Plus I have had a couple of cars stolen and some serious smashes in the US.  I live with the effects of a broken back, whiplashed neck and busted knee from driving an Austin Healey Frogeye (see below) into an 18 wheeler truck .

So I have experienced the good and the bad of cars.

When Merri and I bought our first hacienda in Ecuador, the seller threw in a really great, old Land Rover… gray… perfect leather seats but so old it had only three switches… one for the lights, one for the windshield wipers and one that apparently did nothing.   You could (and we did) start that vehicle with a hand crank.  The heating and air conditioning system was a flap in front that you could either open or shut.

We loved that car and I drove it exactly once… from our hacienda to Calacali… about a hour ride with only 15 minutes on a paved road.

The rest of the time we had our driver drive us.  This provided one more job in a country that needs employment plus gave Merri and me time to talk… look at the scenery and not worry about parking and all the rest of the hassle that comes with driving.

That is the only one time I have driven in Ecuador in all these decades.

Now let me add… I have always been a driver.

When I lived in Hong Kong I had a car… a great little Sprite Frogeye. Like this…

I loved that car in Hong Kong but hardly ever drove it.  I took the peak tram, the Star Ferry, taxis… the trolley and even jumped on the bus from time to time.

Why?

Have you ever tried to park in Hong Kong?

Ditto for London. I had a number of cars… first a little MG Midget like this.

In 1970, I drove that MG from London to Rome with my wife and two children… one still in diapers… a mistake… having not learned about the luxuries of Eurorail.

Then I had an Audi… a Peugeot… a BMW… and a Triumph Spitfire.

Yet I rode my bicycle many miles through London traffic from my home is Chiswick to my office on Artillery Row near Buckingham Palace.  I was often stopped by the police and even ticketed for riding my bike on a short cut through Kensington Gardens.   I also regularly used the Tube.

Why?

Have you ever tried to drive in London?

Plus riding the bike every day eliminated having to drive the car to a gym… a double savings.

Here is a point about change that goes beyond cars.

Americans are car addicted because of the nature of America.

Americans need and are highly dependent on cars because everything is spread out,  gas has been cheap, there is little public transportation and labor is expensive.

This set of conditions does not apply in all countries.  Cars are an asset in the USA but they can be liabilities elsewhere.

Why in a time when the environment is at risk through pollution… energy prices are rising… and roads are becoming more and more congested… would one want to stick to a lifestyle that revolves around one car per person if that is not the most effective lifestyle?

The one car per person mentality is old thought.

We really need to move onto the new.

Due to high labor costs, Americans have become hooked on DYI.   Yet when we move to a country with great, low cost labor… it makes sense to take advantage of these conditions.  Everyone gains.

When we can do good, why not create a bit of employment and save time, energy and money… why not sit back and enjoy the ride?

Hundreds of my readers have moved to Ecuador.  Almost none have chosen to buy a car because they really are not needed in many places there.

In Cotacachi we walk. Our friends who have moved to Cotacachi report  losing weight, feeling better and having more energy… in part because they walk more instead of driving.

Taxis are very inexpensive.  Most trips around town are a dollar and they come quickly to a cell phone call.  Though Merri and I do not use the buses, many of our friends do. The system works well.  If we need to take a trip away from the village, we have a number of drivers who have excellent vans and cars who charge between $55 and $70 to take us wherever we want to go.  A ride is  available at any time night or day… with one cell phone call.  Usually on a long furniture shopping trip to many places nearby, we might spend $10-$15….plus we have the advantage of the driver’s help, no problems parking, etc.

We have eliminated the cost of the car… gas… maintenance…. insurance…. parking… security.

Many US and Canadian readers write to us asking about cars…. big refrigerators… washing machines and dish washers.  These are all products that have evolved from North America’s spread out, low energy, high labor cost, nationally distributed, highly preserved food lifestyle.

In many countries you do not need these expenses and burdens.  You can walk daily to the market and get great fresh food.  This is fun!

Why have a huge fridge?  Merri and I love visiting the market. We searched for the tiniest fridge we could find.  We live just like we lived in London for all those years.  Every morning out on the streets looking for THE perfect vegetables, fruits, etc. and then enjoying a morning coffee and back home with everything for lunch!  What fun!

ecuador-car-rental

Here’s the kitchen of one of our condo rentals.  Do you see a fridge?  It is tiny and hidden away. We amble to the food markets instead. Cotacachi market is just three blocks away and we enjoy buying our food fresh from our neighbors.

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Ecuador Visit

The market provides these bicycle carts. For 50 cents or a dollar a happy man will ride all your groceries home for you….and put them away if you like!

The food market is fun and we love having a hot fig and cheese sandwich for breakfast. Not a combination most would ever dream of. They are delicious but missed if you are driving your car though miles of traffic to get to the American style super market!

Why pay a premium for imported dishwashers and washing machines when you can have cheerful, happy people do your cleaning and ironing for you?  You save time, energy and create employment to help the poor.

Which makes more sense?  Spend extra money for a very expensive  imported washing machine that takes up space in your home… and requires effort on your part or spend a LOT LESS money letting these two cheerful mothers, Rosita and…

ecuador-car-rental tags

and Rosita Elena…

ecuador-car-rental tags

do your laundry and deliver your sparkling, ironed clothes to you?  I love all natural clothes but they do require startch and ironing…and here’s our delightful answer.

You save space, money and help the Rositas support their families.

There is another important point here.

You help the environment. One washing machine that serves 20 families is better on the environment than 20 machines serving families.

Ditto for cars. Even in the USA, car sharing is growing as explained in the Washington Post in an article entitled “Car-Sharing Merges Into the Mainstream
Not Just for Tree-Huggers: Businesses and Universities Help Drive Growth of Flexcar, Zipcar.”

You can see how Car sharing is growing in Germany and car sharing is growing in Japan.

Car sharing is growing in these industrialized countries because labor is still dear.  In Ecuador you can car share with a driver!

Plus one more really important point.   With rising energy costs, why would any of us think that on a limited budget we can continue to have this wasteful high energy lifestyle?  Why would we even want our old wasteful high energy lifestyle?  Americans have been warned.  Four dollars a gallon gasoline can return.

In fact four bucks a gallon may be low.  In Europe gas can cost seven dollars a gallon.

This note is not about cars.

It is about change.

We’ll be seeing more and more change in our lifetimes… coming faster.

We can profit if we adapt to the change and take advantage of new circumstances by living in new ways based on the local conditions that surround us.

Those who try and stick to old ways in a new environment will lose opportunity and ease in life at best. They may even suffer… sometimes a lot.

Change means we may life differently than before.  Change means we may even choose to live in a country where we were not raised and born.  This change can enhance our lifestyle… improve our health…. relieve our stress… if we adapt and embrace that country for what it is and enjoy its unique attributes.

If we choose to leave one country… why try to reproduce what we decided we no longer enjoy? If you want a mini USA or another Canada in Ecuador… but on the cheap… I expect you’ll be very disappointed coming to Ecuador.

Ecuador is a great place to be… but it is Ecuador… not Canada… not the USA.

Think about the quote by Anatole France about change: All changes, even the most longed for, have their melancholy; for what we leave behind us is a part of ourselves; we must die to one life before we can enter another.

Through change we may lose the one car per person lifestyle… but gain stronger legs… healthier lungs and cleaner air.  We may not be able to jump in the Chevy, go to the levy and drop off the laundry, do the banking  and get a Big Mac on the way… but in the change we can eliminate our fear of the meter maid.

Plus that ride can still be provided by a wonderful knowing person… just one cell phone call and minutes away.

Do not get me wrong. I still have cars… three right now in fact… all in the US, a Honda minvan for long drives and our old Suzuki and a conservative Dodge pickup for use on the farm.  Conditions warrant each.

Yet I am thinking about creating bio diesel from the farm when change brings the day that gas is not so available or cheap.

We have no car in Ecuador and have never missed one for a second.

If change is bringing a time when the daily one person per car commute must pass… Ecuador is a great place to get started.  For car sharing with drivers, taxis, buses and yes walking… Ecuador is a good place to be. 

Gary

Join Merri me and Thomas Fischer of JGAM and our webmaster David Cross in North Carolina this October.

Learn more about global investing, how to have an international business and early retirement in Ecuador at the course.

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

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

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

See why we love Cotacachi Market here.

Ecuador visit

 

Ecuador Internet Business Idea


Here is an excerpt from our course Tangled Webs – How  to Have an Internet Business. This excerpt can help you see how to earn in Ecuador.

This is the fifth message in this series on Ecuador and business opportunity.  See the first message at Ecuador organic cheese and wine. The second article in the series is at Ecuador organic wine and cheese II and Ecuador wine & Cheese III and Ecuador and green business.

Internet businesses are green and give you the freedom to work anywhere.

Here I am working at the Visatzul clubhouse on Ecuador’s beach.

ecuador-internet-business

Here Merri and I work in the sunny court yard at our hotel Meson de las Flores in remote Cotacachi, high in the Andes.

ecuador-internet-business

Here I am working under a maple tree at our North Carolina farm.  Our internet business gives us incredible freedom to be where we choose.

ecuador-internet-business

This excerpt from our internet business course shows how we teach subscribers of this course how to get business and profit through search engine rankings.

The excerpt begins:

This lesson looks at the importance of defined focus and immediate repetition to get good search engine rankings.

Here we look in detail at how to refine focus and use immediate repetition to get good rankings with search engines.

I often play a game chasing a phrase that I feel may be competitive, but worth while to our site.

For example this week we are working on the phrase “Ecuador Tickets”

This is a competitive phrase at Google with 108 millions rankings. This compares to 194, million rankings for the phrase “Ecuador” and  just 27.8 million for the phrase “Ecuador Travel”.

This is a pretty refined focus… but my theory is that many people who are looking to buy air tickets to Ecuador may search with this phrase.

I am also thinking that many of those wanting Ecuador tickets may also be great candidates for our Ecuador publications and tours.

This is an important rule of  focus… make sure that the focus you choose is likely to attract visitors to your site who will be interested, “at some time,” in buying your product or service.

Our philosophy here is not to worry about an immediate sale. We offer a lot of free data.  Yet our goal is to get their business by giving so much good content that we deserve their business.

A list that is not focused on what you offer is pretty useless. You won’t generate much income and your readers won’t visit often.

The directed focus at www.garyascott.com keeps readers coming to the site.  Our daily emailed message gets sent to just over 16,000 addresses (growing about 200 a week).

According to Statbrain, right now, the site gets 8,321 visits a day… more than 50% of the 16,000 addresses we send to.

ecuador-tickets

This is a very good average!

To create a good ranking at Google for “Ecuador Tickets.”  I posted a message titled “Buying Tickets to Ecuador.”

After day one the site  ranked #12 at Google, for the phrase “Ecuador Tickets” and #15  for the phrase “Tickets to Ecuador.”

Not good enough!

So I employed the force of immediate repetition and posted an article the next day titled “Tickets to Ecuador Part 2”.

This raised my Google ranking for “Tickets Ecuador”  and “Ecuador Tickets” from 15 to 12.

ecuador-tickets

A Google #12 ranking was also achieved for “Tickets to Ecuador” and “Tickets for Ecuador”

Google put me on the first page (#10) for the phrase “Tickets in Ecuador”

ecuador-ticketsThat’s  better.

However the site will employee more immediate repetition tomorrow and the day after by posting two more messages based on this phrase “Ecuador Tickets”.

Your home work is to check out these messages each day and then search the phrase “Ecuador Tickets” at Google to see how the four sessions of  immediate repetition fares.

Over a week we were able to push our Google ranking to fifth for the phrase “Ecuador Tickets”

Here is how money can be made from such ranking.

Once we attained a good ranking for the phrase “Ecuador Ticket,”  we then began working on derivative rankings around the ticket concept.  I worked on the phrase “Galapagos Tickets” in a way that would hopefully sell Galapagos cruises.

Immediately  we were  able to get an article entitled Ecuador Tickets to Galapagos offering Galapagos tours ranked #3 out of 122,000 pages for that phrase at Google.

The same article ranked #7 for the phrase “Galapagos tickets.”

Ecuador-Tickets

These are rankings that can create sales (of Galapagos cruises) and generate commissions to monetize an internet business.

This is also the way to keep making money from a site.

The way search engines decide rankings continually changes because smart web salesmen figure out whatever the system is and abuse it.  So the search engines have to stay one step ahead.

Our site uses no tricks! Our site is not fancy. Our site does not have amazing graphics. Our site does not use any special SEO techniques.   We just keep hammering away, every day, with steady, content closely focused to our readers needs.

This has worked well  and seems to be working even better.   We continue to grow. Our email list size increases.  Our site visits rise.  Our sales and our profits continue to jump up even during this gloomy economy.

As the web matures… (internet businesses are still incredibly new)… authenticity and usefulness of content will grow in importance.  This makes it a great time for individuals to have small internet businesses (like ours) that are fun, fulfilling, sustainable and very profitable.

We look forward to sharing how to do this with you.

Learn how to enroll in our emailed internet business course here.

Gary

Join us at an upcoming July and October North Carolina seminars. We have invited our  web master to speak on the future of  internet business and will have extended sessions on how to develop an internet business.

Learn more about these July 24-26  and Oct. 9-11 courses at IBEZ North Carolina

Patience in Micro Business


Patience in a Micro Business

In these times of change the best ways to gain opportunity are with real estate, commodities, stocks and your own business… if you have patience.

For those who want to live full or part time in Ecuador, buying real estate is one good way to gain extra profit if you are patient.

We looked at ideas on patience in our last two messages. See Ecuador Patience here and Ecuador Property Insights Here.

Patience is important in business and real estate anywhere.

We took six years to find our first farm in North Carolina and three years to buy it… sticking to our offer and making it again and again once ever year for three years.   Slowly over the years we added about eight miles of roads.  You can see the roads on the farm in blue here.

ecuador-patience

The roads are to special parts of the farm like these huge hemlocks we call the Grandfathers.  That’s me dwarfed by the tree.

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We pushed in miles of trail through woods and …

ecuador-patience glen.

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Our small herd of horses love it… pastures are more accessible. This is Lucy Appaloosa,  leader of the herd.

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A buyer would love it as well.  Our patience in building these roads has dramatically increased the farm’s value.

Good business requires more than just patience.  The seven qualities for good investing and business we reviewed in the first of this series were:

#1: Bravery to accept risk

#2: Flexibility

#3: Resilience

#4: Tenacity

#5: Acceptance

#6: Bird’s eye view

#7: Patience

Having a bird’s eye view helped us see that the value of our North Carolina farm and our Ecuador property could also be increased with the internet. The world wide web allows us to run a business from either remote place.

This is why we have created our Tangled Web course and are expanding the business portion of our International Business and Investing Seminar.

This bird’s eye view is also why we have been providing readers with a free course on how to use “Site-Build-It” to create an internet business written by our friend and student Michelle Toole.

Michelle just sent this note.

Hi Gary,  I hope this note finds both you and Merri doing well…….attached is my article for this month.  Just to give you a quick update my web site, healthy-holistic-living.com is getting 1200-1500 visitors each day!  Yup each and every day – that is over 30,000 visitors each month! It is truly hard to believe that it all started with one visitor!  And to add to that exciting news I just started a second web site home-remedies-and-natural-cures.com!

I often ponder how all of this started from a trip to Ecuador and meeting both you and Merri!  Life is truly a great adventure…  Much Love to You Both, Michelle

Here is Michelle’s 36th lesson

How ‘Sticky’ is Your Web Site?

by Michelle Toole

Building your own web site can get you into some ‘sticky’ situations and that is exactly where you want to be!

When most of us hear the word ‘sticky’ we think of honey or some yummy gooey goodie, but to a web site owner ‘sticky’ means one thing, MONEY!  That’s right, in the world of e-commerce ‘sticky’ refers to how long a visitor stays on your web site and of course the longer a visitor stays on your web site the better chance of turning them into customers.

According to Webopedia.com:

“sticky refers to a site’s ability to keep visitors on the site once they have navigated there or encourage the visitor to return frequently (i.e., the visitors ‘stick’ to the site).

“A site’s stickiness depends on the content of the site that encourages the visitors to remain there but is not necessarily what the visitors went to the site looking for. For example, in addition to original content that may be the main reason for visits, a site may add a glossary, stock quotes, games, community forums, news feeds and/or chat rooms to make the site more appealing to visitors. Also, sites can add special features to set themselves apart from competitors, such as the ability to communicate with the content’s authors, the ability to personalize the site, contests, and numerous hyperlinks to other pages of the site — all elements that entice a visitor not just to stay on the site but to return frequently.”

So, what makes a visitor leave your site?  What makes your site lack ‘stickiness’?   Well, they are likely the same things that make you leave a web site in the first place:

•    Irrelevant content, bad spelling and poor grammar
•    Information is too difficult to find
•    Long paragraphs of text without text formatting
•    Cluttered text and graphics
•    Too much advertising
•    Long lists of products
•    Unattractive look and distracting colors

OK, so now that you know what NOT to do, what can you do to increase your site’s ‘stickiness’?  Below are the top 5 steps a web site owner should take to increase ‘stickiness’ and get that most wanted response, cha-ching!

1. Interactive

Getting a reader to get involved on your web site means that they’ve invested in your web site and this increases the likelihood that they’ll return time and time again. You can make your site more interactive by adding:

•    Comments
•    Polls
•    Forums
•    Posting reader feedback

Don’t forget that being interactive takes follow-through.  Responding to comments, questions and forums posts will keep readers coming back and help you build not only a rapport with your readers but develop that all important ‘brand of one.’

2. Bookmark IT and Socialize IT

A lot of sites forget this simple but effective way to encourage return visits to their web site, just bookmark it!  Remind visitors to bookmark your site. Also adding social networking links and buttons to all of your pages is an effective way to encourage new readers as well as create reader loyalty.

3. Content is KING

Don’t forget the obvious; readers are coming to your site for your INFORMATION!  You must have useful, unique and entertaining CONTENT! Without great content people are not going to ‘STICK’ much less come back for a second look!

4. Build for Speed and Keeping it Simple

Making your site navigation easy to use and clear will encourage readers to stay on your site longer and return more often.  Remember the faster and easier the navigation, the happier your reader and ‘potential customer’ will be.
Keep in mind that page load time is essential to drawing readers into your site. If each page takes a minute or longer to load it’s not very likely that someone is going to ‘stick’ around!

5. Publish your own ezine

Creating an e-zine is an excellent way to build readership and encourage return visitors to your site as well as increase site ‘stickiness.’  Publishing an e-zine also helps you establish your credibility, build trust, and establish a rapport with your audience. Ongoing communication keeps your Web site in the forefront of your visitor’s mind, ensuring that s/he will return to it time and time again to check your updates and give us that all important ‘most wanted response’, BECOME A CUSTOMER!

Look for my future articles where we discuss monetization options, search engine optimization, incoming links, e-zine techniques, link exchange programs and much more…..

You can check out Michelle’s web sites at http://healthy-holistic-living.com  and http://home-remedies-and-natural-cures.com.  To get more great tips, like the ones above and to see how and what tools she used to create a successful on-line business go to http://sitesell-sbi.com

Until next message may your bird’s eye view be patient!

Gary

How We Can Serve You

How to Have Real Safety in 2020

The most important investment you can make in 2020, is in yourself. 

Invest in more time.  Invest in less stress. Invest in greater security.That’s why four years ago we created the Purposeful Investing Course (PI) because when it comes to finances, there are only three reasons why we should invest.  We invest for income.  We invest to resell our investments for more than we had invested.  We invest to make our world a better place.

We should not invest for fun, excitement or to get rich quick, or in a panic due to market corrections.

The core model portfolio we teach in the PI Course rarely changes, but is highly diversified in thousands of shares around the world… so there is higher long term profits, less stress and greater safety.

The portfolio consists of 19 country ETFs.  During the four years since we created the Purposeful Investing Course and set up a $40,000 real time portfolio at Motif Brokers, we have held the same 19 shares and have only traded three times.

The portfolio started with $40,000 and has risen to $53,591 ($49,015 in shares and the balance in accumulated cash).

The portfolio did really well from 2015 to 2018, better than the DJI Index.  Then as the US dollar grew in strength it fell behind.

The chart below shows the actual results of thos portfolio compared with the S&P 500.

motif

 

This good value portfolio above is based entirely on good value financial information and mathematically based safety programs developed around investing models that date back 91 and 24 years.

The Pifolio is a theoretical portfolio of MSCI Country Benchmark Index ETFs that cover all the good value markets developed combining my 50 years of investing experience with study of the mathematical market value analysis of Keppler Asset Management.

In my opinion, Keppler is one of the best market statisticians in the world.  Numerous very large fund managers, such as State Street Global Advisers, use his analysis to manage over $2.5 billion of funds.

The Pifolio analysis begins with Keppler who continually researches international major stock markets and compares their value based on current book to price, cash flow to price, earnings to price, average dividend yield, return on equity and cash flow return.  He compares each major stock market’s history.

Fwd: keppler

Michael Kepler CEO Keppler Asset Management.

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

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

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

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

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

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

Here is the Pifolio I personally use.

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

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

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

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

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

The fact that the Pifilios are invested in all the shares of the MSCI Index in each good value market reduces long term risk.

When the US stock market bull ends, know one knows for sure how long or how severe the correction will be.

When the bear arrives, what will happen to global and especially good value markets?

No  one knows the answer to this question.

What we do know is that the equally weighted, good value market Pifolios have the greatest potential long term and that math based trailing stops can be used to protect against a secular global stock market correction when it comes.

My fifty years of global investing experience helps take advantage of numerous long term cycles that are part of the universal math that affects all investments.

What you get when you subscribe to Pi.

You immediately receive a 120 page basic training course that teaches the Pi Strategy.   You learn all the Pi strategies, what they are, how to use them and what each can do for you, your lifestyle and investing.

You also begin receiving regular emailed Pifiolio updates and online access to all the Pifolio updates of the last four years.  Each update examines the current activity in a Pifolio, how it is changing, why and how the changes might help your investing or not.

Included in the basic training is an additional 120 page PDF value analysis of 46 stock markets (23 developed markets and 23 emerging stock markets).  This analysis looks at the price to book, price to earnings, average yield and much more.

You also receive two special reports.

In the 1980s, a remarkable set of two economic circumstances helped anyone who spotted them become remarkably rich.  Some of my readers made enough to retire.  Others picked up 50% currency gains.  Then the cycle ended.  Warren Buffett explained the importance of this ending in a 1999 Fortune magazine interview.  He said:  Let me summarize what I’ve been saying about the stock market: I think it’s very hard to come up with a persuasive case that equities will over the next 17 years perform anything like—anything like—they’ve performed in the past 17!

I did well then, but always thought, “I should have invested more!”  Now those circumstances have come together and I am investing in them again.

The circumstances that created fortunes 30 years ago were an overvalued US market (compared to global markets) and an overvalued US dollar.  The two conditions are in place again!

30 years ago, the US dollar rose along with Wall Street.  Profits came quickly over three years.  Then the dollar dropped like a stone, by 51%  in just two years.  A repeat of this pattern is growing and could create up to 50% extra profit if we start using strong dollars to accumulate good value stock market ETFs in other currencies.

This is the most exciting opportunity I have seen since we started sending our reports on international investing ideas more than three decades ago.  The trends are so clear that I have created a short, but powerful report “Three Currency Patterns for 50% Profits or More.”   This report shows how to earn an extra 50% from currency shifts with even small investments.  I kept the report short and simple, but included links to 153 pages of  Good Value Stock Market research and Asset Allocation Analysis.

The report shows 20 good value investments and a really powerful tactic that shows the most effective and least expensive way to accumulate these bargains in large or even very small amounts (less than $5,000).  There is extra profit potential of at least 50% so the report is worth a lot.

This report sells for $29.95 but in this special offer, you receive the report, “Three Currency Patterns for 50% Profits or More” FREE when you subscribe to Pi.

Plus get the $39.95 report “The Silver Dip” free.

With investors watching global stock markets bounce up and down, many missed two really important profit generating events over the last two years.  The price of silver dipped below $14 an ounce as did shares of the iShares Silver ETF (SLV).   The second event is that the silver gold ratio hit 80, compared to a ratio of 230 only two years before.

In September 2015, I prepared a special report “Silver Dip 2015” about a silver speculation, leveraged with a British pound loan, that could increase the returns in a safe portfolio by as much as eight times.  The tactics described in that report generated 62.48% profit in just nine months.

I have updated this report and “Silver Dip” report shares the latest in a series of long term lessons gained through 40 years of speculating and investing in precious metals.  I released the 2015 report, when the gold silver ratio slipped to 80.  The ratio has corrected and that profit has been taken and now a new precious metals dip has emerged.

I have prepared a new special report “Silver Dip” about a leveraged speculation that can increase the returns in a safe portfolio by as much as eight times.

You also learn from the Value Investing Seminar, our premier course, that we have been conducting for over 30 years.  Tens of thousands of delegates have paid up to $999 to attend.  Now you can join the seminar online FREE in this special offer.

This three day course is available in sessions that are 10 to 20 minutes long for easy, convenient learning.   You can listen to each session any time and as often as you desire.

The sooner you hear what I have to say about current markets, the better you’ll be able to cash in on perhaps the best investing opportunity since 1982.

seminars

Tens of thousands have paid up to $999 to attend.

In 2020 I celebrate my 54th anniversary in the investing business and 52nd year of writing about global investing.  Our reports and seminars have helped readers have better lives, with less stress yet make fortunes during up and down markets for decades.  This information is invaluable to investors large and small because even small amounts can easily be invested in the good value shares we cover in our seminar.

In this special offer, you can get this online seminar FREE when you subscribe to our Personal Investing Course.

Triple Guarantee

Enroll in Pi.  Get the basic training, the 46 market value report, access to all the updates of the past two years, the two reports and the Value Investing Seminar right away. 

#1:  I guarantee you’ll learn ideas about investing that are unique and can reduce stress as they help you enhance your profits through slow, worry free, easy diversified investing.

If you are not totally happy, simply let me know.

#2:  I guarantee you can cancel your subscription within 60 days and I’ll refund your subscription fee in full, no questions asked.

#3:  You can keep the two reports and Value Investing Seminar as my thanks for trying.

You have nothing to lose except the fear.   You gain the ultimate form of financial security as you reduce risk and increase profit potential.

Subscribe to Pi now, get the 130 page basic training, the 120 page 46 market value analysis, access to over 100 previous Pifolio updates, the “Silver Dip” and “Three Currency Patterns For 50% Profits or More” reports, and value investment seminar, plus begin receiving regular Pifolio updates throughout the year.

Subscribe to a Pi annual subscription for $197 and receive all the above.

Gary

Here is a shot of our seminar center on the farm.  We’ll have seminars at the brand new Hampton Inn in West Jefferson and invite delegates to visit the farm for Sunday lunch.

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The deck extends into the woods.

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With this view below.

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We gain a lot of great multi currency, investing, business and health information from this North Carolina course.

Global Investing and Ecuador


My global investing and business began 41 years ago May 2, 1968 and eventually led me to Ecuador.

My background as son of a zoo keeper did not leave me prepared.

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Here is a newspaper clipping of my sister Sandra and me feeding a baby lion we kept at home… one of many lions and tigers we raised.

Let me share 41 years of multi currency investing and a couple of important facts I learned that may help you… including what’s happening with the swine flu in Ecuador.

I arrived in Hong Kong in the night, the tropical air so soft it was a velvet mist.   Thick evening scents in the fragrant harbor and mellow insects purrings in rhythm with the cacophony of the great city!  What a an exotic adventure.

Kai Tak was Hong Kong’s airport then and being American born and bred, I knew nothing about investing aboard.

That was my first airplane trip, first time out of Oregon. Portland to Vancouver, Tokyo to Hong Kong.  I melted in my heavy woolen blazer, was weary and afraid but excited too. An incredible global investing journey had begun… and continues to this day.

Here I was, 21 years old.

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Here is the first stamp in that first passport. That stamp you might say was my first international investment.

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That first stamp makes a point by the way about how to enter and initially work or invest in a country.  That first stamp was issued May 2, 1968 and allowed me to stay in Hong Kong until June 2, 1968.

I worked in Hong Kong for quite some time on tourist stamps… coming in for a month at a time.   I was developing sales teams in Japan, Korea, Taiwan, Thailand, Indonesia, Indonesia, Singapore and the Philippines at the same time so a month was plenty of time before I exited.

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Here is one of my first sales teams… this one in Hong Kong led by John So Kwok Kee (far left – you can guess which one I am).

I built teams from the north in Japan down through Thailand.  One of the salesmen we worked with in Thailand, Brian Tracy, returned later to Canada and has had great success in the sales education field.

Starting a business, investigation or residence with a tourist visa is a pretty good idea. This is usually the easiest, most efficient, practical way to begin so you can be sure what you are doing and how you’ll develop a more permanent stay if you want one.  In many cases… such as mine… a permanent tourist system is simply the easiest and best.

I began my business in Hong Kong this way and for years I also lived and worked in England on tourist stamps before obtaining my permanent residence there.

A reader recently sent me this note about Ecuador tourist visas.

“Gary, When I was staying at the Hotel, someone mentioned that you do not
have a residential visa for Ecuador.  Is this correct?  How do you
spend as much time in the country as you do?”

Here is my rely:

“I spend less than 6 months a year in Ecuador.

“We have heard from others who come stay for 90 days, leave for just a day or two (especially just over the border in Peru or Colombia)  and come right back that there are difficulties.

“Our experience is that every time we come to Ecuador we are given a 90
day visa.  However we do not stress this system. For example we may stay 70 days and then be away for weeks or even a month or so.  Then return for 20 days or so.. then leave for another month etc.   The immigration officers look carefully at the total number of days by the end of the year and to help them, I keep a list of each day we have arrived and departed and the page number in our passport… so they can efficiently see we have not been in more than 180 days the maximum allowed on a T-3 tourist visa).

Be careful not to overstay. One reader reported that having done so he was denied entrance upon his return and were not allowed to return to Ecuador for one year.

We have a full report on Ecuador visas and an immigration attorney who helps our Ecuador Living subscribers.

I am also preparing a report for Ecuador Living subscribers to answer this question from a reader yesterday.

“Hi Gary, Wonderful timing, we had tickets to fly from Guadalajara to Quito yesterday, but were stymied by the fact that Ecuador (and Peru) are refusing passengers from Mexico.  We understand Ecuador’s borders  will be closed for a month to non-residents flying in from Mexico.

We had thought about flying back to the States and then flying to Ecuador, but an electronic scan of our passports would show we’d been in Mexico and we’re not sure what would happen.  Any insights?   Thanks!

You can obtain these reports and answers as an Ecuador Living subscriber. Learn how to subscribe to Ecuador Living here.

Back to Hong Kong.  I began there selling US mutual funds.

When arriving there 41 years ago there is no way I could have known how exciting the next decades would be, how much information, facts, figures, ideas and insights on how to invest globally would be gained. Had I known the mistakes to be made I would probably have run!

Then I moved east again to England and Europe… trying many things.

Thankfully all the trials, tortures and errors were mitigated by much fun and an earnest endeavor to live right and learn.

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Here is a newspaper clipping of me  with a business partner in my London office on Artillery Row selling square inches of Graceland… not really a very good idea.

Later I imported Rolls Royces and Bentleys from England to the US… a better idea.

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One goal at this site is to share basics of global investing and living an international life learned over these 41 years. Global investing has changed so much during this time and is changing even faster now.  I am continually forced to rearrange my thinking strategy and tactics at a faster pace.

We offered health courses at our North Carolina farm. Here I am with our son, Jake, with one tactic we taught… a morning dip in a cold creek after exercise… yes that is snow on the banks and no… this not surprisingly did not sell very well either.

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Our food as medicine courses taught by Merri in her teaching kitchen at the farm had better attendance!

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For almost 15 years now we have been conducting courses in Ecuador. Here I am this year in the meeting room at the Cotacachi museum next to Meson de las Flores on an Ecuador export tour.

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This continual evolution has helped Merri and me, our readers and our income continually grow… through good times and bad.

Yesterday April 2009 for example ended with anoter record month for our internet sales.  Our 2009 sales (April month on month) were up 48.01% over April 2008, which in turn were up 24.04% over April 2007 sales.

Our sales in the first four months of 2009 were up 81.75% over Jan through April 2008 which was up 26.20% over 2007.  Learn how to develop an internet business that can grow like this here.

The reason we have survived and progressed amidst this never ending update is that the little stuff shifts and evolves, but the fundamentals remain immutable.

Investing globally is not a panacea, but expanded horizons are. Life is a trip and we have an entire globe to enjoy the ride.

Two years ago on May 2, 2007, I wrote:

History suggests that this is a time when chances are increased for panic and sudden drops in investment markets. Investors who have proven themselves nervous short term thinkers are highly leveraged, in thin, over purchased markets that are easily sinkable boats treading the dangerous waters of May though October when tradition says the currents will most likely be treacherous and surrounded with lots of storms.

Now, that this risk has proven true, history also suggests that we have a once in a life time opportunity.

The way to cash in on this incredible opportunity is the same way I suggested avoiding the collapse two years ago. I wrote then: “One way to get good international investments is to take a long term, expansive international view.”

My first trip abroad 41 years ago was significant because 1968 was the beginning of a new era for world stock markets. When I arrived in Hong Kong the world of investing was dominated by Wall Street. That was about to end. 1968 was the year when the Hong Kong Stock Market began to explode upwards along with Tokyo’s market. What a ride!

The Heng Seng Index was then 100 and rose to 18,000. Anyone who steadily committed money to this market then made a fortune.

I can sum up my investment basic investing and advice in seven sentences.

#1: 1970s. Invest in real estate, gold, silver Japan, Germany, Switzerland and Hong Kong.

#2: 1980s. Invest in real estate, the Tigers, Japan, Taiwan, Singapore Malaysia and South Korea as well.

#3: 1990s. Invest in real estate South America (which led me to Ecuador).

#4: 2000s. Invest real estate, China, India and emerging markets including Ecuador real estate.

#5: Always have an expansive view.

#6: Use stop losses during peaks.

#7: Have an international investment view. Never overextend. Don’t trade too much, just hang on.

This philosophy has reaped millions for Merri and me. Had we been more expansive, we would have an extra $20 million or so.  However our conservative approach to business and investing also protected us during the recent melt down of 2007 and 2008.

This may be time to begin taking advantage of the recovery. Panic is subsiding but values are still high. The huge excesses of the US and other government’s will at some stage begin to seriously erode the purchasing power of currencies.

I remain highly diversified from a currency point of view.  Here is my current currency breakdown in my liquid portfolio that represents 43% of my total portfolio.

An excerpt from a recent Multicurrencyinvesting.com lesson explains why when I wrote about the currency distribution of investments:

Here is my currency distribution:

Danish kroner    24%
Euro                     24%
British Pound      8%
US Dollar            12%
Canadian Dollar 3%
Norway kroner   4%
NZ Dollar             3%
Sweden kroner    7%
Brazil real             3%
Hungary Forint   6%
Turkey Try            6%

With more than a third of my liquid position in Danish, Swedish and Norwegian kroner, my Scandinavian  position is seriously over weighted in terms of global market size.

One reason is because these are such small countries located on the sea.  This means that their histories are composed of  travel and trade.

A nation’s heritage reflects in the value of its currency strength. This fact helped me answer this question from a reader.

“Gary, Will  future strength in DKK be bad for equities denominated in that currency?”

Here is my reply.

Most of the Danish companies you would buy are global companies.

Because Denmark is such a small market any large Danish company is doing most of its business out of Denmark  so a lot of their success depends on the type of business business and where the company actually manufactures and sells its products.

Plus look at the margins built into the product.

One benefit in Scandinavia is their very highly educated population. A recent Time magazine article shows that Finland (not Scandinavian but Baltic and Finland’s currency is the euro – otherwise I would have Finmark in my portfolio as well) ranked number one for educational performance of 15 year olds in math. Denmark was number 10, Sweden number 15 and Norway number 23… all ahead of the US (number 25).

Finland was number one for reading performance of 15 years olds as well.  Sweden number seven, Norway number 10 and Denmark number 16. The US was number 15.

This means that the products produced in these nations will tend to be high value.

For example, Novo Norsk makes insulin.  I suspect that the margins are substantially high.

Ditto for novozymes that makes enztymes for environmental purification.  These are firms where there is likely to be a great deal of value added into their product.

Vestas, makes wind turbines. and may be more affected by a strong kroner if they do a lot of manufacturing in Denmark but are having and sales in the US and especially if their competitors manufacture in the US or other countries where the currency is weak.

I am updating the value of major and emerging markets now at multicurrencyinvesting.com and will be revaluing our green and Danish portfolios in upcoming lessons.  You can subscribe to our Multi Currency Portfolios Course here.

I have increased my Ecuador real estate to 22% of my total property.  The balance is in US property and I am looking to add more US property now in Florida and or Savannah.

If you have real estate in central Florida or Savannah that you would like to swap for real estate in Ecuador… let me know.

I have held a high cash position for over a year but now agree with Warren Buffet who recently wrote about business and opportunity:

Clinging to cash equivalents or long-term government bonds at present yields is almost certainly a terrible policy if continued for long. Holders of these instruments, of course, have felt increasingly comfortable – in fact, almost smug – in following this policy as financial turmoil has mounted. They regard their judgment confirmed when they hear commentators proclaim “cash is king,” even though that wonderful cash is earning close to nothing and will surely find its purchasing power eroded over time.

Now is the time to convert cash into investments that will appreciate with the loss of cash’s loss of purchasing power… stocks… commodities… real estate or your own business.

This leaves all of us with a lot to do after 41 years of a global life.

I feel healthier and more energetic then 41 years ago.   Maybe I am not wiser… but I am more experienced and seem in a better position then when I took that first trip.

Merri and I look forward to the next 41 years… and we look forward to sharing them with you!

Gary

This is the schedule of Gary our 2009 Ecuador information tours, courses and seminars.

May 16-17 Ecuador Coastal Tour

May 20-21 Imbabura Real Estate Tour

May 22-24. Ecuador Amazon Herbal Tour

June 12-14 Shamanic Mingo Tour

June 16-17 Imbabura Real Estate Tour

June 18-21 Ecuador Coastal Real Estate Tour

July 4-8  Ecuador Export Tour

July 8-9 Imbabura Real Estate Tour

July 10-13 Ecuador Coastal Real Estate Tour

July 24-26 IBEZ North Carolina

Sept. 17-21 Ecuador Spanish Course

Sept. 23-24 Imbabura Real Estate Tour

Sept. 25-28 Ecuador Coastal Real Estate Tour

Oct. 9-11 IBEZ North Carolina

Oct. 21-24 Ecuador Import Export Expedition

Nov. 6-8 IBEZ Ecuador

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

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

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


Cotacachi & Green


One great benefit to living in Cotacachi Ecuador is that no car is required. This a a great benefit for green living.

Cotacachi is colorful beyond green.  This is the mural on the arts center in the middle of Cotacachi.

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This shot was taken by Dennis Goff and is at his new interactive site for anyone who has been to Cotacachi or wants to find out more about it from other members.

Here is Dennis with us on a trek taking photos.

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There is more about the new site and more pictures in a moment.  First, a Cotacachi business idea.

Many new residents in Cotacachi have bikes and a desire for cleaner living.

Merri and I love to see this happening. Protecting the environment is of such importance.  This is why we are working with our friend, Mark Owen, to take our North Carolina farm off the grid.

Mark recently wrote this article.

Two Wheels or Four?

By Mark Owen

The ever-strengthening desire for the industrialized nations to reduce their consumption of oil has prompted considerable interest in alternative means of transportation. Today, even the Madison Avenue marketing strategists paint a positive image around vehicles with high gas mileage. We all know that a concept has become mainstream when we see it on expensive television commercials and news segments during prime time. We have seen the Toyota Prius on commercials for a long time. Flex Fuel, Hybrid and All-Electric technologies are currently or soon-to-be available to the general public.  The Big Three American companies, Honda, and Toyota all have an all-electric car in development. BMW put a fleet of 700 hydrogen-powered cars in California last year. On the horizon are hopeful technologies such as chassie-free cars framed with carbon fiber bodies, Lithium-ion batteries for Electric and Hybrid cars, and small hydrogen power plants for the average Joe.

All those technologies are gearing toward making cars that are fundamentally similar to the ones we drive now. Designers and manufacturers have determined that consumer tastes change slowly. And these improvements may suffice, and they may come fast enough to make a significant difference. But there are many of you who are eager to push the envelope, live just beyond the comfort of the mainstream, and ponder the logical extremes of the challenges we face.
I like to venture out there once in a while, out there in those logical extremes. So I purchased an electric bicycle. I have owned it for five weeks now, and I am very pleased. Mind you, I live in Florida where the winters are mild. OK, the winters are better than just mild, they are great. The weather has not yet prevented me from riding whenever or wherever I needed to go. I have fitted my new bike with a child’s bike seat to the delight of my daughter. She and I ride to her school on the smaller neighborhood streets almost each morning now. At a relatively slow eighteen miles per hour and with no car encasing her, she enjoys more of her glorious environment. I have also intrigued many of the other parents that watch us drive up to school.

I also fitted the bicycle with a small canvas trailer. It is intended for transporting children, but I only use it to haul groceries from the store or tools to and fro my jobsites. I am a contractor who works out of a small Toyota truck. I usually go to my jobs in my truck the first day and leave all my heavy tools there. The ensuing days I have the option of commuting to that job on my new bike. Sometimes this works, sometimes it doesn’t, depending on the distance to my jobsite. (It also depends on my mood.)

As you probably guessed, these electric bikes cannot travel far before they run out of steam. They run out of steam even quicker if you are pulling a trailer. Even a ten-pound trailer with skinny bicycle wheels. I learned this on my first commute to work. I got about half way there and the batteries died. I had to pedal the rest of the way there. I also learned that day that I should have brought my charger with me. I made it home for dinner that night, and did not feel the need to go to the gym the next morning, if you get my drift. I won’t soon forget that lesson.

Regarding the range on many of the electric bikes available, most of them can travel up to eighteen miles on a full charge. This varies considerably. The roads in my part of Florida a very flat. So that factor is the same as the “typical” used in most range evaluations. Most electric bicycles are called pedal-assist, so you are supposed to help the motor along by gently pedaling yourself. The weight of the passenger(s) is a factor, as is the weight of any baggage. I also learned that tire inflation and brake adjustment greatly affects range. Under-inflated tires or dragging brake pads will reduce your mileage.

I have found that my commutes to my daughter’s school are a very pleasant six-mile round trip. We can go as fast as she wants, I get a little exercise, and I comfortably make it home to recharge before I turn around to pick her up. Going to my work has proven to be sketchy because I usually drive on busier roads, at higher speeds to keep up with traffic, and the distances have been greater. Splotchy battery performance during my work commutes is what affects my mood some mornings. If I have a lot of work to do that day, I don’t want to also pedal half way home. As a sidebar, a fella gave me two supercharged batteries that he wants me to rig on to my new bike. They will strap into my basket. The electrical connection will be easy enough with a one-dollar connector from AutoZone. These batteries are “glass-mat” type from Harley Davidson motorcycles and have considerably higher amp/hour output than my factory-installed bicycle batteries. If I am crazy enough to do this, my wife or I will report back to you in later issues. That article will be a Must Read.
I will certainly keep riding my electric bike. I like the interest it generates, and the ensuing discussions. I would recommend it, with reservations, to many of you. If you are interested, read on.

I have done lots of research on the various electric bicycles available. Many of them are French or Italian. This concept must be popular across the pond. Most the other bikes (not mine) install their electric motor inside the center of the rear hub. I think this concept will work well in later-generation scooters, but If you run out of battery charge in one of these bicycles, it is very difficult to pedal them the rest of the way home. This arrangement also concerns me because parts for this assembly become very particular, very precise. Improvisation during repairs and maintenance becomes problematic. These European devices, in my experience, seems to be Solid State in that their many curious wires all bundle themselves into the center compartment where there are fuses and too many switches for my comfort. This center compartment contains a motherboard, a very proprietary piece of equipment that could not easily be circumvented. These bicycles are more like a moped than a pedal-assist bicycle. Electric bike technology should not be that sophisticated.

The other main style I saw was a regular bicycle with an electric motor that drives a wheel that you press against the rubber of your front tire for propulsion. This method creates both friction and slippage loss. More importantly, front-wheel-drive in a small car is good; front-wheel-drive on a bicycle is bad. The motion feels un-natural, and the weight of the motor on your front forks is very cumbersome. I felt like I had to constantly worry about endo (end-over-end flipping) or the front wheel slipping out from under me. Besides that, the aesthetics of these vehicles seemed all wrong.

I purchased my bicycle because it was the only one of its kind. It was  second-hand off Craig’s List, and I have no affiliation with the manufacturer. I have looked up their website, though. It is a Synergy Cycle, from Los Angeles, California. I saw yesterday that they reduced their purchase price to only $799.00. This is about half the price of any other electric bike I have seen to date. Their website advertises that a full charge costs between five and 7 cents. I have no reason to doubt this because my bike charges via a small transformer from a regular outlet from empty to full in about 30 minutes. (I will verify electric consumption and report this after I get my new amp-meter for my next birthday.) Either way, this bike has small initial and operational costs. Paltry indeed.

First it is a regular, high-quality, rugged bicycle. It seems they retro-fitted the motor system on after-the-fact. I know, that’s a redundancy, but my old high school English teacher probably won’t see this. And I really want to get this point across. Everything about this bike is as simple as possible. Any bike mechanic can work on most of it. Parts are as easy to find or improvise as any ordinary bike parts.

But then there is the motor/battery system. This stuff is strange to everybody. Who do you get to work on one of these babies? You guessed it…you, yourself, and you. The motor is about as big as a grapefruit, and it is bolted to the right rear main stay. Its got lots of torque and can pull a trailer and me with ease. (Even though extra weight draws more from your batteries.) Its armature runs parallel to the rear hub, about five inches above it. It is connected to the rear hub via a metal link chain and freewheel. This allows the electric motor to operate independent of the manual pedals. The manual pedals can operate independent of the motor, too. One pushes while the other freewheels. Or both can run simultaneous for top speed and longevity.

The motor is wired to the battery pack via two insulated wires that are neatly strapped to the frame. That’s all, just two wires. The battery pack is a plastic case that holds two 12v batteries joined in series to make a 24 volt system. There is a female jack for charging and an on-off switch on the side of this battery pack. The battery pack is removable with one quick-release bolt and one electrical connector. This way you can bring the battery in to your home or office to charge while the bike stays outside. From the battery pack (on the “bike” side of the dis-connector) there runs one cable to a thumb throttle on the handlebars. The throttle is spring tensioned. If your battery pack is switched “on” you may engage and accelerate the motor with a simple push of your thumb. The throttle is spring-tensioned, and its default mode is also “off,” creating a double “off” safety feature. It’s convenient and dummy-proof.

The only wires I don’t like are the two joined at the base of the throttle cable that go to each of the two hand brakes. If you are agile enough to simultaneously push the throttle with your thumb and pull the brakes with your fingers, the action of the brakes will shut down the electric motor. Talk about redundant. I’ve gotta give them credit, though. That is the only fat on the whole machine.

The double kickstand is very stable. It lifts your rear wheel off the ground and allows you to work on rear components while freewheeling, with the bicycle in the upright position. Did I mention the front fork shocks and the double mono-shocks on the main frame? The factory seat is nice enough, but I added a “gel” seat cover I mail ordered off the internet for $15.00. Even at 20mph+ this bike is comfortable and handles nimbly.

As much as I rave about it, though, I am having a hard time convincing my wife about the comfort of my new bike. She compares it to her car, though. And vehicle safety is another issue I concede to her. Like a good mother hen, she asks that I call her the moment my daughter and I arrive at school. And isn’t vehicle safety one of the biggest impediments to mainstreaming small, efficient vehicles? When I saw a new Smart Car pass by me on the interstate, even I think to myself “that does not look safe from here.” It makes me wonder how unsafe my electric bike looks from the vantage of a regular car in traffic.

Even so, my experience with the electric bike has made me ponder concepts such as electric motorcycles that travel at highway speeds. I have already seen children’s electric scooters that hold large batteries under the footrest for a low center of gravity. Could these toys be made a little bigger? Could they accommodate two or three passenger? Is “Two Wheels or Four?” really the only alternative? What about three wheels? I have also pondered safety seats for adults, safety helmets, and 5-point safety harnesses, similar to the features in NASCAR vehicles. I have faith that one of you readers will someday retrofit an electric motor from an industrial fan onto a beefed-up tricycle frame, bolt on a couple of tractor-trailer batteries, and test-drive your prototype at 70 mph. Another one of you might mold a NASCAR seat and a modernistic faring from carbon fiber and add it to the mix. Now that test-drive would be a productive use of the Bonneville Salt Flats.

We are now witnessing the first generation of electric bicycles. They will improve. Maybe this means they will have to look and act more like cars. Some of these bicycles will accommodate themselves to the existing road systems. Some roads throughout the country will be dedicated exclusively for the use of “ultra light” vehicles. Or something far-reaching and un-knowable will happen to this industry. I’m not saying this industry is going to supplant the possible demise of the Big Three, but who knows? Maybe somebody will retrofit one of those French mopeds with solar wings and try to fly it across the English Channel. I will be right there to cheer them on.

We have been looking at business ideas in Cotacachi such as Ecuador export ideas.

Here is a Cotacachi green business idea.  Import or make electric bikes.

For those interested in Cotacachi organic ideas see  Cotacach Organic Gardens here.

cotacachi-green

Entrance to Meson de las Flores.

This photo is another at Dennis Goff’s new site. Here are some more shots.

cotacachi-green

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

Dennis is a professional photgrapher who spends winters in Cotacachi and saw there is an an ever increasing number of readers at our site who want to connect with people who have “lived the experience” in Cotacachi.
cotacachi-green

Ecuador roses at Meson.

Dennis thought it would be fun… and informative to start a light site.

cotacachi-green

Start of a parade. Wouldn’t electric bikes be better?

Anyone can join and contribute to the network.  Dennis will monitor content to keep it appropriate.   The intent is to keep it light hearted and fun and a great place for like minded people who enjoy Cotacachi.

Ecuador-tours

Tour delgates at Meson.

You can visit Dennis’s site here.

Until next message, may your world be beautiful and green.

Gary

Learn  more about Cotacachi business ideas at our July 4-8 Ecuador Import Export Expedition

Enjoy savings by attending our real estate tours at the same time.

July 4-8 Ecuador Import Export Expedition
July 8-9 Imbabura Real Estate Tour
July 10-13 Ecuador Coastal Real Estate Tour

We provide discounts for delegates who attend two or three courses and tours in a month.

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

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

Plus during the month of April, (this offer expires April 30) enjoy  our extra 2-4-1 savings.

Because Merri and I will not be conducting the July tours, our 2-4-1 offer lets you attend the July 2009  Ecuador export tour free if you enroll in one of our three International Tangled Web Business & Investing Made EZ courses, in July, October or November that we will conduct.

You get two courses for the price of one.  Enroll in any of these courses that Merri and I will conduct below and choose any one of the three July tours free.

July 24-26 IBEZ North Carolina + Tangled Web

Oct. 9-11 IBEZ North Carolina + Tangled Web

Nov. 6-8  IBEZ Cotacachi + Tangled Web

There is no need to  hurry either. If you are not sure about attending two tours,  sign up and attend the July export tour now… then we’ll knock the tour fee off our International Tangled Web Business & Investing Made EZ courses, in July, October or November fee later.

You can also still take advantage of the two or three course discount as well.

For example, if you choose to attend all three of the July Ecuador tours… both real estate and export tours, then you can have the two or three courses discount and still attend a July, October or November International Tangled Web Business & Investing Made EZ course free.

The 2-4-1 offer expires April 30 2009.

We hope to meet you in North Carolina or Ecuador.

Gary


Ecuador Micro Earning Idea


Here is an Ecuador Micro earning idea that isn’t a dog.

There are increasing requests from people wishing to work in Ecuador.
Our goal is to help readers learn how to earn in Ecuador or anywhere with their own web business so they have freedom to live were and how they like.

For example Merri and I love to take our hound with us wherever we go.

Here she is while we are earning in Cotacachi, Ecuador.

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Here we are on the Pacific beach in Ecuador.

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or on our North Carolina farm…

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or here…

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in Salva Wales…

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with our daughter’s dog Jack… Two of our daughter’s have young beagles Jack, and Poppy.  Ma… now a 12 year old hound… tolerates them.

Some think we are crazy taking our dog so many places… but the point is with out own web business we can live and go were and in the way we choose!

You can too.  We offer a course to help our readers start their own web business. This freedom not only makes life more enjoyable but also reduces the cost of living.

This is why we are sharing a free course on how to create your own website without a webmaster written by Michelle Toole. Here is the 34th lesson in this course.

To Copyright or Not to Copyright that is the Question
by Michelle Toole.

Ok so you’re new to the Internet and you have just written your first e-book and you are wondering what happens if someone takes my work and sells it as there own?  Do I have any recourse?  Should I copyright my e-book and what about my web site?  All of these are good questions and are cause for some interesting discussions on the internet.

Here are the facts:

“All of your content AUTOMATICALLY has a copyright, whether you register it or not… or whether you indicate the copyright or not. However, it’s always better to indicate and date your copyright ownership at the bottom of every page. You are protected online by the Digital Millennium Copyright Act.  That said laws are always vague and to take someone to court and actually win is a tough road to maneuver.”

Everything from April 1, 1989 is copyrighted by the owner or author whether is has a notice or not.

“Considering the vastness of the internet, the possibilities can seem overwhelming the best advice is to take steps to protect yourself the best you can, take action if you find someone has violated your copyright and let go and get on with your business.

1) Copyright every page on your site by adding the following to the bottom…

Copyright © 2009 Your Name. All Rights Reserved.

2) Burn your Web Site to a CD every 3 months and date it. Leave it in your safety deposit box, with a notary or attorney as of that date.”

3) Copyright your e-book upon completion and Copyright your web site every 6-12 months. It’s cheap and not difficult to do. It’s easy and cheap, http://www.copyright.gov.

The first one is an absolute must. The second two are not “must do’s” according to the Digital Millennium Copyright Act. But they set you up much more strongly, if you ever need to go to court. Imagine producing material that has been copyrighted in court, straight from a rip-off site? Wow!

But remember, you likely won’t use this in court — but it makes you bullet-proof with Search Engines. THAT is what is important, if you ever need “swift justice.”  If someone is duplicating your web site or e-book a simple straight forward email to the search engines (Google, Yahoo and MSN) and they will shut the offending site down!

Once you have taken all the steps necessary to protect yourself forget about it!  That’s right because it does not deserve all your time and energy.  You do the best you can, put safeguards in place; occasionally check around to see if you have been copied (http://www.copyscape.com) and if all is well then ALL IS WELL!  You have a better chance of being struck by lightening!  Stay focused on what counts, your success!

Look for my future articles and tips where we discuss monetization options, search engine optimization, incoming links, additional e-zine techniques, link exchange programs and much more…..

You can check out Michelle’s web site at http://healthy-holistic-living.com. To get more great tips, like the ones above and to see how and what tools she used to create a successful on-line business go to http://sitesell-sbi.com

Until next message, may  we all be blessed with a dog’s life.

Gary

How We Can Serve You

How to Have Real Safety in 2020

The most important investment you can make in 2020, is in yourself. 

Invest in more time.  Invest in less stress. Invest in greater security.That’s why four years ago we created the Purposeful Investing Course (PI) because when it comes to finances, there are only three reasons why we should invest.  We invest for income.  We invest to resell our investments for more than we had invested.  We invest to make our world a better place.

We should not invest for fun, excitement or to get rich quick, or in a panic due to market corrections.

The core model portfolio we teach in the PI Course rarely changes, but is highly diversified in thousands of shares around the world… so there is higher long term profits, less stress and greater safety.

The portfolio consists of 19 country ETFs.  During the four years since we created the Purposeful Investing Course and set up a $40,000 real time portfolio at Motif Brokers, we have held the same 19 shares and have only traded three times.

The portfolio started with $40,000 and has risen to $53,591 ($49,015 in shares and the balance in accumulated cash).

The portfolio did really well from 2015 to 2018, better than the DJI Index.  Then as the US dollar grew in strength it fell behind.

The chart below shows the actual results of thos portfolio compared with the S&P 500.

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This good value portfolio above is based entirely on good value financial information and mathematically based safety programs developed around investing models that date back 91 and 24 years.

The Pifolio is a theoretical portfolio of MSCI Country Benchmark Index ETFs that cover all the good value markets developed combining my 50 years of investing experience with study of the mathematical market value analysis of Keppler Asset Management.

In my opinion, Keppler is one of the best market statisticians in the world.  Numerous very large fund managers, such as State Street Global Advisers, use his analysis to manage over $2.5 billion of funds.

The Pifolio analysis begins with Keppler who continually researches international major stock markets and compares their value based on current book to price, cash flow to price, earnings to price, average dividend yield, return on equity and cash flow return.  He compares each major stock market’s history.

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Michael Kepler CEO Keppler Asset Management.

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

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

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

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

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

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

Here is the Pifolio I personally use.

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

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

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

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

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

The fact that the Pifilios are invested in all the shares of the MSCI Index in each good value market reduces long term risk.

When the US stock market bull ends, know one knows for sure how long or how severe the correction will be.

When the bear arrives, what will happen to global and especially good value markets?

No  one knows the answer to this question.

What we do know is that the equally weighted, good value market Pifolios have the greatest potential long term and that math based trailing stops can be used to protect against a secular global stock market correction when it comes.

My fifty years of global investing experience helps take advantage of numerous long term cycles that are part of the universal math that affects all investments.

What you get when you subscribe to Pi.

You immediately receive a 120 page basic training course that teaches the Pi Strategy.   You learn all the Pi strategies, what they are, how to use them and what each can do for you, your lifestyle and investing.

You also begin receiving regular emailed Pifiolio updates and online access to all the Pifolio updates of the last four years.  Each update examines the current activity in a Pifolio, how it is changing, why and how the changes might help your investing or not.

Included in the basic training is an additional 120 page PDF value analysis of 46 stock markets (23 developed markets and 23 emerging stock markets).  This analysis looks at the price to book, price to earnings, average yield and much more.

You also receive two special reports.

In the 1980s, a remarkable set of two economic circumstances helped anyone who spotted them become remarkably rich.  Some of my readers made enough to retire.  Others picked up 50% currency gains.  Then the cycle ended.  Warren Buffett explained the importance of this ending in a 1999 Fortune magazine interview.  He said:  Let me summarize what I’ve been saying about the stock market: I think it’s very hard to come up with a persuasive case that equities will over the next 17 years perform anything like—anything like—they’ve performed in the past 17!

I did well then, but always thought, “I should have invested more!”  Now those circumstances have come together and I am investing in them again.

The circumstances that created fortunes 30 years ago were an overvalued US market (compared to global markets) and an overvalued US dollar.  The two conditions are in place again!

30 years ago, the US dollar rose along with Wall Street.  Profits came quickly over three years.  Then the dollar dropped like a stone, by 51%  in just two years.  A repeat of this pattern is growing and could create up to 50% extra profit if we start using strong dollars to accumulate good value stock market ETFs in other currencies.

This is the most exciting opportunity I have seen since we started sending our reports on international investing ideas more than three decades ago.  The trends are so clear that I have created a short, but powerful report “Three Currency Patterns for 50% Profits or More.”   This report shows how to earn an extra 50% from currency shifts with even small investments.  I kept the report short and simple, but included links to 153 pages of  Good Value Stock Market research and Asset Allocation Analysis.

The report shows 20 good value investments and a really powerful tactic that shows the most effective and least expensive way to accumulate these bargains in large or even very small amounts (less than $5,000).  There is extra profit potential of at least 50% so the report is worth a lot.

This report sells for $29.95 but in this special offer, you receive the report, “Three Currency Patterns for 50% Profits or More” FREE when you subscribe to Pi.

Plus get the $39.95 report “The Silver Dip” free.

With investors watching global stock markets bounce up and down, many missed two really important profit generating events over the last two years.  The price of silver dipped below $14 an ounce as did shares of the iShares Silver ETF (SLV).   The second event is that the silver gold ratio hit 80, compared to a ratio of 230 only two years before.

In September 2015, I prepared a special report “Silver Dip 2015” about a silver speculation, leveraged with a British pound loan, that could increase the returns in a safe portfolio by as much as eight times.  The tactics described in that report generated 62.48% profit in just nine months.

I have updated this report and “Silver Dip” report shares the latest in a series of long term lessons gained through 40 years of speculating and investing in precious metals.  I released the 2015 report, when the gold silver ratio slipped to 80.  The ratio has corrected and that profit has been taken and now a new precious metals dip has emerged.

I have prepared a new special report “Silver Dip” about a leveraged speculation that can increase the returns in a safe portfolio by as much as eight times.

You also learn from the Value Investing Seminar, our premier course, that we have been conducting for over 30 years.  Tens of thousands of delegates have paid up to $999 to attend.  Now you can join the seminar online FREE in this special offer.

This three day course is available in sessions that are 10 to 20 minutes long for easy, convenient learning.   You can listen to each session any time and as often as you desire.

The sooner you hear what I have to say about current markets, the better you’ll be able to cash in on perhaps the best investing opportunity since 1982.

seminars

Tens of thousands have paid up to $999 to attend.

In 2020 I celebrate my 54th anniversary in the investing business and 52nd year of writing about global investing.  Our reports and seminars have helped readers have better lives, with less stress yet make fortunes during up and down markets for decades.  This information is invaluable to investors large and small because even small amounts can easily be invested in the good value shares we cover in our seminar.

In this special offer, you can get this online seminar FREE when you subscribe to our Personal Investing Course.

Triple Guarantee

Enroll in Pi.  Get the basic training, the 46 market value report, access to all the updates of the past two years, the two reports and the Value Investing Seminar right away. 

#1:  I guarantee you’ll learn ideas about investing that are unique and can reduce stress as they help you enhance your profits through slow, worry free, easy diversified investing.

If you are not totally happy, simply let me know.

#2:  I guarantee you can cancel your subscription within 60 days and I’ll refund your subscription fee in full, no questions asked.

#3:  You can keep the two reports and Value Investing Seminar as my thanks for trying.

You have nothing to lose except the fear.   You gain the ultimate form of financial security as you reduce risk and increase profit potential.

Subscribe to Pi now, get the 130 page basic training, the 120 page 46 market value analysis, access to over 100 previous Pifolio updates, the “Silver Dip” and “Three Currency Patterns For 50% Profits or More” reports, and value investment seminar, plus begin receiving regular Pifolio updates throughout the year.

Subscribe to a Pi annual subscription for $197 and receive all the above.

Gary

Ecuador Crafts – After the Fall


Ecuador crafts can provide opportunity for three reasons we’ll review here.

Ecuador crafts people are excellent in the crafts business. they start and learn early on.

Ecuador-Crafts

Merri and I have returned to our North Carolina farm for spring planting.  The local wisdom is that lettuce, radishes, potatoes and  onions should be planted on Good Friday. Everything else goes in on Mother’s Day.

Things change slowly here in the mountains except the seasons.   Spring really does jump out quickly here.

One day the branches are bare. Next day there is a distinctive red blush as the buds have popped out seemingly overnight. You can see the red tinge in this shot I took from my office window yesterday.

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Saturday all we had in the lawn was green. Easter the dandelions were there.

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This makes me happy.   My favorites are the dandelion salad and the dandelion quinoa pancakes that Merri cooks for breakfast… topped with one of the great blue eggs that our hens lay.

Here’s my morning collection sitting on the kitchen counter…waiting!

ecuador-crafts

While out collecting those eggs a thought about change… the change that’s going on… in the Western world… in the entire world, popped into my mind.

Here is the thought.

Change comes suddenly… like the spring. One moment it’s not.  Then suddenly it is.  Yet really change isn’t sudden. The forces that created the dandelions and the tree buds have been at work for quite some time.  The physical manifestation that we see only seems sudden because we do not see the subtle shifts that are happening everyday that bring this explosion of apparent change.

Take for example, yesterday’s message that showed how America’s debt has been growing and the US dollar falling since 1969.

A further look at the graph from that message… with this new thought in mind… shows how the change really began in the 1940s… because since then… America has almost always been at war… the occupation… Korea… VietNam… the Cold War…  Iraq… twice.  Afganistan.

This huge cost… plus others (such as Social Security) have created continual change… though it may seem that we are just seeing the big shift now. deficit chart I have studied this change for 40 years. Just understanding the greenback’s fall has been enough to prosper… but this new thought crystallized an error.

I have been studying the fall of the Roman Empire to see what I could learn from the past about our change now.

Here is the error.  I should have been studying who succeeded… and how after the fall.

I will now study this and suspect here are a few of the rules that the Italians who thrived and prospered post Post Roman Empire.

#1: They accepted the change and did not bury their heads in the sand.

#2: They saw the change as an opportunity… and grasped it.

#3: They moved to or already were in safe places out of any battle zones.

#4: They did not display their wealth (the Latin habit to this day is to live within walled courtyards- modest outside- luxurious within).

#5: They took risks based on fundamental distortions created by those who did not embrace change.

#6: They were frugal.

#7: They were independent.

This type of thinking shows why Ecuador crafts make sense from a business point of view.

Shigra handbags made from agauve fibers and natural dyes.

Ecuador-Crafts

One way we can see change is in an article from Time Magzine entitled “Here’s to the Death of Broadcast” by James Poniewozik.  The article says:

When ER goes off the air April 2, we will say goodbye to more than the medical staffers who have lived, loved and been tragically killed off for sweeps over the years. We will also say goodbye to the era of broadcast TV it represented: the era of big shows, big audiences and big money.

In 1994, when ER debuted, NBC, CBS and ABC ruled TV. The fourth network, Fox, had no top-20 shows. Cable was flourishing but was hardly a threat. Only a handful of dorks (like me) were using “graphical user interfaces” like Netscape to look at something called the World Wide Web.

Fifteen years later, the networks are, as the TV docs say, crashing. In the 1994-95 season, 43% of U.S. households, on average, watched the Big Four at a given moment in prime time. Now it’s 27%.

Programmers and cultural critics are warning of the end of the mass-media era, when shows from I Love Lucy to Seinfeld joined tens of millions of Americans in a common experience.

Shigras in Otavalo Ecuador crafts market:

Ecuador-Crafts

As we shift from the era of broadcast to broadband, we’ll no longer have an entire population mesmerized by the same performers, programs and modes of thought.  Smaller unique businesses with quality products such as organic Ecuador crafts produced by individual crafts people will thrive.

Ecuador crafts include some great art like these religious reproductions.
Ecuador-Crafts

More Ecuador crafts and art we view on our Ecuador export tours.

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Colorful art in bowls…

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Ecuador crafts and art in woodwork.

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Ecuador crafts and art in textiles.

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Ecuador purses and rugs.

Ecuador-Crafts

Ecuador crafts are perfect products positioned to sell well in the broadband era ahead… organic… authentic…colorful… exotic…useful and meaningful.

One does not have to be crafty to prosper from change… but many can prosper from more hand made crafts… from Ecuador or anywhere in the world.

Until next message, may you prosper from change.

Gary

In Ecuador we offer two 2-4-1 tours this May and June.

Economic downturn?

Yesterday’s New York Times article entitled “Jobless Rate Hits 8.5%; 663,000 Jobs Lost” said:

The unemployment rate reached its highest level in a quarter-century after 663,000 jobs were lost in March, the 15th consecutive month of job losses.

Yet our Ecuador and other businesses are expanding so fast that I can barely keep up. More and more readers are wanting to know… “How do you increase affluence like this when so many are losing it?”

This created the 2-4-1 concept that offers a special opportunity for you.

I cannot be in two places at once but I can make to possible for you to gain all the information I know and see what I am talking about for yourself by visiting Ecuador.

For example we have three Ecuador tours scheduled for May 2009.

Ecuador Coastal Real Estate Tour May 16-17

Imbabura-Cotacachi Real Estate Tour May 20-21

Ecuador Amazon Herbal Tour May 22-24

Merri and I will not be on these three tours and we do want to meet you. So to make sure we can meet, we will let you attend these either one of the May real estate tours free if you enroll in one of our three International Made EZ  courses, in July, October or November.

You get two courses for the price of one.  Enroll in any of these courses that Merri and I will conduct below and choose either May real estate tour free.

July 24-26 IBEZ North Carolina + Tangled Web

Oct. 9-11 IBEZ North Carolina + Tangled Web

Nov. 6-8  IBEZ Cotacachi + Tangled Web

There is no need to  hurry either. If you are not sure about attending two tours,  sign up and attend the real tour now… then we’ll knock the tour fee off our IBEZ Cotacachi + Tangled Web course fee later.

You can also still take advantage three course discount as well.

For example, if you choose to attend all three of the May tours… both real estate and the Amazon herbal tours, then you can attend our July, October or November course free.

You can see some options below.

These three May 2009 Ecuador real estate tours are hosted by Alberto Verdezoto (a long term friend and guide as well as an expert on herbal medicine from the Amazon) and our staff.

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Here is Alberto leading our last real estate tour on the coast.

You could not be in better hands.  Alberto was in the Ecuador travel business for more than 10 years and has been our main real estate researcher for three years. He has helped us find most of the good Ecuador property deals and is doubly helpful because he bargains down the price!

Here is Alberto (left) leading our staff at International Living’s Ecuador seminar in March.

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On the coastal real estate tour,  you’ll see these houses near the beach for $19,500.

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Here is an interior shot.

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Plus on the Imbabura – Cotacachi real estate tour we’ll see these excellent houses.

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with these views and…

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with top quality finish.

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Plus on the Imbaburra – Cotacachi real estate tour we’ll look at (unless it has sold) a really well organized 12 acre avocado farm just minutes from Ibarra.  The owner has returned to Loja.  Here is the entrance.

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the main  house.

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inside living room and…

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kitchen.

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Here are both houses from the rear and…

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the back garden.

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Here, in front of the houses, is the fruit… the cash generator.

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The avocados are flowering for their first crop.

cotacachi-real-estate

We are told they will offer a $50,000 a year income after two years… $25,000 potential this year. (Be sure to check this out as we are not avocado farmers so cannot discern the truth.)

Asking price with these two houses, land and crops is $260,000.

You can enroll in one, two or three of these courses below

Ecuador Coastal Real Estate Tour May 16-17. $499 Enroll here.   $749 For a couple.

Imbabura-Cotacachi Real Estate Tour May 20-21.  $499 Enroll here.  $749 For a couple.

Ecuador Amazon Herbal Tour May 22-24.  $399 Enroll here. $499 For a couple.

Take Two for One. Attend any of the three courses below and select any one of the tours above free.

July 24-26 IBEZ North Carolina + Tangled Web

Oct. 9-11 IBEZ North Carolina + Tangled Web

Nov. 6-8  IBEZ Cotacachi + Tangled Web

Or sign up for two or three of the May 2009 tours and attend any of the IBEZ Cotacachi + Tangled Web FREE.

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

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

Learn about our July 2009 Ecuador export tour 2-4-1 deal here.

You can read the entire article “Here’s to the Death of Broadcast” at
http://www.time.com/time/magazine/article/0,9171,1887840,00.html

Easter & Ecuador


Ecuador’s Easter weekends are special..a family time of deep reverence and remembrance. No Easter bunnies, eggs or chocolate here!

More about Easter in Ecuador in a moment… first welcome to spring, this…

Ecuador-easter

beautiful time of nature’s resurrection.

We have been out harvesting nature’s early gifts.

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We are back at our North Carolina farm and I took this morning to walk and enjoy  this wonderful, rich season…when new life springs from apparent death.

Ecuador-easter

Our most recent snow just melted and the creek is full.

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The falls roaring.

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I am not sure who loves the walks the most, me… or Ma.

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watching life emerge.

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During this economic downturn… the message of Easter and spring is even more important to take to heart.   There is no death… just change.  Each ending holds the seeds of a new… and better beginning.

We are also enjoying our Easter lilies from Ecuador.  Here are the first blooms I have set out at the farm entrance.

Ecuador-easter

There were so many blooms that I had to put them into two vases. Here are the rest of  the blooms coming on our dining room table.

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Yet just like all endings… we gain from the past as well… so our Christmas roses, which we dried, are still providing beauty in the farmhouse as well.

Ecuador-easter

Merri, I and the staff at Meson de las Flores, send our best wishes for a happy holiday and great joy and prosperity this spring.

Ecuador-easter

Easter in Ecuador is a wonderful family time when everyone gathers to eat Fanesca, an Ecuador Easter tradition. This is a very rich soup, made from squash and twelve different grains, (representing the disciples of Jesus) and salt cod since red meat is not eaten this day. Fanesca is a delicious Lenten chowder prepared to celebrate the unity of Ecuador (each grain represents a different part of the country) and to end the Lenten Fast. There are sliced boiled eggs on top and slices of rich ripe avocado also. Here is our chef, Santiago, with his Ecuadorian Easter fanesca.

Ecuador Easter

His Easter fanesca is outstanding!

Ecuador Easter

The view from Meson at Easter is of Jesus commanding the sunrise and…

ecuador-easter

an empty plaza.

ecuador-easter

Later the parades begin.

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Everyone participates,  boys…

ecuador-easter

and girls.   Young…

ecuador-easter

and old.

ecuador-easter

Spring is here.  On this special season…

ecuador-easter

Cotacachi’s plaza will fill.

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Meson will be ready…

ecuador-easter

for one of the busiest restaurant days.

Recognizing that for centuries the community has gathered on this day to celebrate the victory of this season in dance.

ecuador-easter Merri and I send our earnest wish that you enjoy a happy holiday.

Gary

To celebrate spring we have created our 2-4-1 program for our spring courses.  Join us in Ecuador this spring.

Ecuador Coastal Real Estate Tour May 16-17. $499 Enroll here.   $749 For a couple.

Imbabura-Cotacachi Real Estate Tour May 20-21.  $499 Enroll here.  $749 For a couple.

Ecuador Amazon Herbal Tour May 22-24.  $399 Enroll here. $499 For a couple.

2-4-1  Take Two for One. Attend any of the three international business & investing courses below and select any one of the tours above free.

July 24-26 IBEZ North Carolina + Tangled Web

Oct. 9-11 IBEZ North Carolina + Tangled Web

Nov. 6-8  IBEZ Cotacachi + Tangled Web

Or this spring sign up for our three May 2009 tours and attend any of the IBEZ Cotacachi + Tangled Web seminar above FREE.

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

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

Learn about our July 2009 Ecuador export tour 2-4-1 deal here.

See our full 2009 schedule here.

May 29-31  JGAM Multi Currency investment Seminar Naples Florida

June 12-14 Shamanic Mingo Tour
June 16-17 Imbabura Real Estate Tour
June 18-21 Ecuador Coastal Real Estate Tour

July 3-6 Ecuador Import Export Expedition
July 8-9 Imbabura Real Estate Tour
July 10-13 Ecuador Coastal Real Estate Tour

July 24-26 IBEZ North Carolina

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

Oct. 9-11 IBEZ North Carolina

Oct. 21-24 Ecuador Import Export Expedition

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

Ecuador Comparisons & Weather-Weathering Weather


We are on the road making Ecuador comparisons, weathering the weather and wishing for Ecuador weather.

In other words Merri and I have extended our Florida meanderings so we do not arrive back at our North Carolina farm in a snow storm.

We have been looking at Ecuador income potential and so let’s view this hotel for sale on Ecuador’s beach.

ecuador-comparisons

Ecuador weather looked pretty grey on the day I took these shots… but we never have to worry about snow!

Readers  often write asking about the weather in the Andes. If you look up Quito weather for example it says “Rain” almost every day.  This is a puzzle as it is not true. Here is a great history of Quito weather from the Washington Post at http://www.washingtonpost.com/wp-srv/weather/longterm/historical/data/quito_ecuador.htm.

Here are the average temps.

ecuador-comparisons

The highs and lows.

ecuador-comparisons

The rain.

ecuador-comparisons

We have been traveling though Florida getting a feel… wondering what has led us here.  Innocently wandering around… looking… checking…. waiting.

Of course the weather is great… though a bit sticky at times…. plus too dry right now. This is Florida’s third worst drought in history.

We can’t help but make comparisons with Ecuador.

Three things I noticed in the last two nights spent at Holiday Inns were:

First, when hotels here quote room rates…. they do not let you know of the tax.

In Ecuador we always provide this warning so guests know what the entire cost will be.

Secondly, hotels do not seem to have noticed the economic downturn.   Prices seem pretty high $119 for a Holiday Inn express and $129 for a Holiday Inn… plus the unmentioned taxes… for the typical box.This is double what our hotel costs at $59 (plus 22% tax).

Third, comes the free breakfast… overcooked buffets… terrible bakery pastries and everything served on foam plates and cups… with plastic knives and forks… without much (or really any service)… including the “wonderful” Smuckers jam.

I think of our hotel’s great cooked when you arrive, full breakfast… juice….fresh fruit made into an art form… hand made butter and hand made marmalade… plus choice of eggs in numerous ways… bacon or ham.  Though I have to be honest, I do not like the bread our hotel serves… next thing on my list to fix.

This is not a complaint… just a comparison.  Remember we are looking to buy in Florida because we also love it here.

Merri and  are having a great time. We are enjoying Florida’s warmth… seeing a lot of territory… ranging from Naples to Lakeland… Winter Haven… up to Clermont…. Mt Dora…  Tavares… Leesburg… Deland…  St Augustine… Palakta… Zeypher Hills plus some really out of the way (our favorite) places like Ridge Manor…  Crows Bluff…  Lady Lake… Fruitland Park.

This note is written from outside of Gainesville and today we inspect the Suwanee River.

The best place we have seen so far was remote… on the Withlacoochee River. We would have purchased this on the spot… except… it should be renamed…  Withlacoochee  Puddle!   We were very sad to see numerous lakes and rivers that are pretty much gone… during the terrible drought we are seeing here.

Multi Currency Thought

This reminds me of an important multi currency fact. The global economic downturn has driven the price of many shares down.. but has not stopped basic essential needs… like our need for water.

Shares of companies denominated in strong currencies that provide excellent needs can offer special value.

Take the water share we have followed for years… Hyflux.

Hyflux Ltd is company listed on the Singapore Stock Exchange that has a proprietary water filtering system that does business  in China, India, the Middle East and North Africa (MENA) region as well as Singapore and Southeast Asia.

These shares have fallen from a high of $4.88 to $1.72 as you can see in the chart below from uk.finance.yahoo.com

Ecuador comparisons

I’ll be sending a full report on the Hyflux shares to my Multi Currency subscribers shortly. You can enroll and study this report here.

Back to the Ecuador beach hotel for sale.

ecuador-comparisons

The owners is asking $600,000 and claims income of $180,000 a year with a net profit of $50,000.  If these figures are accurate… this is not a bad value spot to start negotiations.  Here is the beach nearby…

ecuador-comparisons

the ocean side pool…

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the area where the hotel is located. ecuador-comparisons

Though this day was grey… there is a reward that comes with the clouds. The moisture creates some spectacular sunsets… like this one shot a bit north of this hotel at Palmazul.

ecuador-comparisons

We viewed this hotel on a recent real estate tour and I am sending a full report to my Ecuador Living subscribers next week.   If you are not a subscriber and would like this report, you can learn how to subscribe to Ecuador Living here.

There are legal, asset protection and tax benefits that an overseas business can bring, but be sure to always have an attorney who is experienced in using overseas structures. The laws are complicated.  For specific information about using overseas structures correctly, you can learn more about Joe Cox here.  Contact  Joe Cox at jcox@coxnici.com

Regards,

Gary

Join us in Ecuador.

Delegates stay on this beach on our Ecuador mid coastal real estate tour.

ecuador-canadian-connection

Join our January Ecuador tours.

Jan.   8-11     Ecuador Export Tour
Jan. 13-14     Imbabura Real Estate Tour
Jan. 15-18     Coastal Real Estate Tour
Jan. 19-20    Quito-Mindo Real Estate Tour
Jan. 21-23    Cuenca Real Estate Tour

See the best Ecuador property for you.  Find the best real estate offers.  Know more of Ecuador. To help you experience a bigger adventure in this wonderful nation, to broaden your horizons, to expand your awareness of all Ecuador offers, we are providing deep discounts in 2010 for those who sign up for multiple tours.

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

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

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

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

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

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

If you plan to attend six or more seminars or tours in 2010 an International Club membership which allows you and a guest to attend as many of the 56 courses and tours we’ll sponsor and conduct in 2010  (fees would be $40,947 for all these courses individually) for only $2,999.

The International club fee rises to $3,500 this month  so enroll in the International Club now at the original fee of $2,999. Save $501.

International Club 2010

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

International Club 2010 Membership Enroll here

Here are the 56 courses and tours you can attend free. Plus there is even one more savings you will see below.

Jan.   8-11     Ecuador Export Tour
Jan. 13-14     Imbabura Real Estate Tour
Jan. 15-18     Coastal Real Estate Tour
Jan. 19-20    Quito-Mindo Real Estate Tour
Jan. 21-23    Cuenca Real Estate Tour

Join us in February or March.

Feb. 11-14   Quantum Wealth Florida -International Investing & Internet Business, Mt. Dora, Fl.

Feb. 15-16   Travel to and visit Quito
Feb  17         Travel to Manta
Feb. 18-19   Coastal Real Estate Tour
Feb. 20        Travel to Cotacachi
Feb. 21-22   Imbabura Real Estate Tour
Feb. 23-24  Quito-Mindo Real Estate Tour
Feb. 26-27  Cuenca Real Estate Tour

Mar. 11-14     Super Thinking + Spanish Course, Mt. Dora, Fl.
Mar. 15-16    Travel to Quito and Andes
Mar. 17-18     Imbabura Real Estate Tour
Mar. 19-20    Cotacachi Shamanic tour
Mar. 22-23    Coastal Real Estate Tour
Mar. 25-26    Cuenca Real Estate Tour
Mar. 28-29   South Coast Real Estate Tour

Apr. 12-15   Ecuador Export Tour ($499 or couple $749)
Apr. 17-18   Imbabura Real Estate Tour ($499 or couple $749)
Apr. 20-21  Coastal Real Estate Tour ($499 or couple $749)
Apr. 23-24  Quito-Mindo Real Estate Tour ($499 or couple $749)
Apr. 26-27  Cuenca Real Estate Tour ($499 or couple $749)

May  13-14     Ecuador Shamanic Minga  ($499 or couple $749)
May  16-17    Imbabura Real Estate Tour  ($499 or couple $749)
May  19-20    Coastal Real Estate Tour ($499 or couple $749)
May  22-23    Quito-Mindo Real Estate Tour  ($499 or couple $749)
May  25-26    Cuenca Real Estate Tour  ($499 or couple $749)
May  28-29    South Coast real Estate Tour ($499 or couple $749)

June 24         Quantum Wealth North Carolina
June 25-27    International Investing and Business North Carolina  ( $749 or couple $999)
June 28-29   Travel to Ecuador and Andes
June 30-Jy 1 Imbabura Real Estate Tour  ($499 or couple $749)
July 3-4          Coastal Real Estate Tour   ($499 or couple $749)
July 6-7          Quito-Mindo Real Estate Tour    ($499 or couple $749)
July 9-10        Cuenca Real Estate Tour   ($499 or couple $749)

Sept.   3-6      Ecuador Export Tour  ($499 or couple $749)
Sept.   8-9      Imbabura Real Estate Tour  ($499 or couple $749)
Sept. 11-12     Coastal Real Estate Tour   ($499 or couple $749)
Sept. 14-15     Cuenca Real Estate Tour    ($499 or couple $749)
Sept. 17-18     Ecuador Shamanic Minga  ($499 or couple $749)
Sept 20-21      South Coast Real Estate tour ($499 or couple $749)

Oct.    7          Quantum Wealth North Carolina
Oct.   8-10     International Investing & Business North Carolina ($749 or couple $999)
Oct.   11-12    Travel to Quito and Andes
Oct.  13-14     Imbabura Real Estate Tour ($499 or couple $749)
Oct.  16-17     Coastal Real Estate Tour ($499 or couple $749)
Oct.  19-20    Quito-Mindo Real Estate Tour ($499 or couple $749)
Oct. 22-23     Cuenca Real Estate Tour ($499 or couple $749)

Nov.    4-7        Super Thinking + Spanish Course Florida ($749 or couple $999)
Nov.    8-9       Travel to Quito and Andes
Nov. 10-11       Imbabura Real Estate Tour ($499 or couple $749)
Nov. 13-14      Coastal Real Estate Tour ($499 or couple $749)
Nov. 16-17      Quito-Mindo Real Estate  ($499 or couple $749)
Nov. 19-20     Cuenca Real Estate Tour ($499 or couple $749)
Nov  22-23      South Coast Real Estate Tour (($499 or couple $749)

Dec.   3-5       Ecuador Shamanic Mingo  ($499 or couple $749)
Dec.   7-8       Imbabura Real Estate Tour ($499 or couple $749)
Dec.  10-11    Coastal Real Estate Tour ($499 or couple $749)
Dec. 13-14     Quito-Mindo Real Estate Tour ($499 or couple $749)
Dec. 16-17      Cuenca Real Estate Tour ($499 or couple $749)

If you join the International Club, the entrance fee for 2010 is $2,999 (until January 2010).  Your attendance fees at all courses will be waived. You and your guest can attend courses worth $40,947.

You can calculate the savings as our schedule of all 2010 courses is shown below.

Arrival dates are always one or two days earlier. Please double check with us before booking flights.

I invite you to be a member of the International Club which allows you and your guest of your choice to attend all of these courses which are valued at $40,947!

International Club 2010 Membership Enroll here

You may well wonder why I would make such an offer and ask why the cost is so low? Let me answer this question frankly and from the heart.

First, it helps us do a better job for you. We feel greatly enriched when we can really help our clients improve their lives. We have learned through years of experience the best way to do this is to meet with you regularly. We can best help you learn how to improve your health and wealth through continual expansion of knowledge.

Second, we gain enormous fulfillment from the many friendships we form through the years. Our friends have enriched our lives tremendously. Let me explain this in more detail.

As a member, you will be part of our international family that meets intensively over the next year to examine ways we can make our lives better. Our goal is beyond just having money. Our goal is to have quantum wealth… good health… wealth and fulfillment through service.

Though I give all course delegates my very best, I cannot help but to do a better job for those who come again and again. As we meet often; your particular wants, needs and desires become clear, and it is easier for me to point you in the right direction.

Another phenomenon is that repeat delegates help each other! They get to know one another, help each other learn, share their insights, make contacts and gain more wealth.

Out associates in Ecuador, are experienced business people who live or work and conduct our real estate and export courses.  They can also act as your local backup for the business.

Lifestyle for Two. There is more! I have learned at my courses that many repeat delegates were couples.

We want couples! As a member of the program, you are entitled to bring another person to every single course or tour. The cost for that extra person will be ZERO!  You can bring whomever you wish. Bring your spouse, a friend, son or daughter, partner, accountant, adviser. You can bring the same person each time or a different person, whomever you choose to accompany you. (Accommodations and air fares relating to the courses are not included for members, delegates or their guests.)

Won’t you join us in this exciting club and share Merri’s and my lifestyle for the next year? We look forward to seeing you at as many courses as possible and sharing this wonderful world of abundance and well being with you!

Gary

International Club 2010 Membership  Enroll here

Ecuador Web Business Opportunity


Ecuador Web Business Opportunity can help you earn income in Ecuador. Here I am teaching a recent import export courses in Ecuador.

Ecuador-business-opportunity

We have a growing number of requests from people wishing to work in Ecuador.

So we do our best for each person who writes to us from North America to see if we can show them some way to earn in Ecuador.

We know a few North Americans who have moved here and obtained work teaching. Working at this local level pays very low wages.  However if a person’s Spanish is perfect there may be this type of opportunity if they also have qualifications where they currently live.

The cost of living is low here which helps balance the lower wages.

Most non Ecuadorians who are employed in Ecuador have either been hired by a firm in their own country or they start a business here.

We do offer several courses to help our readers start business here.  You can see them below.  In our import export course we look way beyond finding products. We focus on…

Ecuador-Business-Opportunity

finding markets.

Ecuador-business-opportunity

You can see on this slide how we are zeroing in on why people may want o to buy various products…  demographics that teach what is happening to populations and how this will affect what they buy… do eat..live…everything.

Then the course looks at how to find products and adjust them to the chosen markets.

Web business are perfect during these troubled times. They reduce overheads and allow maximum flexibility to shift with economic trends.

I also also like a web business because they provide freedom to move around.

In the autumn I can work and enjoy this view at our North Carolina farm.

ecuador-business-opportunity

Then in winter when it is miserable and expensive to be in these mountains I can enjoy the wonderful weather and work in Ecuador. here I am speaking to 300 people at International Living’s Quito seminar.

ecuador-business-opportunity

Or Merri and I can visit our Ecuador Pacific beach condos and enjoy ocean views with friends from our roof top garden.

ecuador-business-opportunity

This freedom not only makes life more enjoyable but also reduces the cost of living.

This is why we are sharing a free course on how to create your own website without a webmaster written by Michelle Toole. Here is the 33rd lesson in this course.

IF YOU CAN DIGITIZE IT, YOU CAN SELL IT.
How to Succeed at Selling E-Goods

By Michelle Toole

Do you have an e-product in mind that you want to sell on-line? Are you just holding back until you can figure out the right steps to take to get you started?  Well, no worries….we know exactly the steps you should take to succeed on-line with your e-product as well as how to fail.  The key is to know the difference!
Remember, if you can digitize it, you can sell it. Selling e-books, digital photo collections, MP3s, clip art, e-sounds, cartoons/art/illustrations, or software takes the Internet beyond a communications medium. Your product options are only limited by your imagination.

When you sell e-goods, the Net becomes a frictionless, automated distribution channel. No products to handle. No boxes to pack. No courier to ship.

It’s e-commerce at its most efficient!

But like anything in life, it all begins with the right approach. Most small businesses fail because of poor process.

The “standard approach” used by the 97-98% of e-tailers who fail (even though they may have great products and beautiful sites) is… Create e-product…..Create site to sell e-product…..Add sales and fulfillment solution….Die due to lack of traffic.

The right approach is based on the understanding that creating Valuable Content (i.e. Information) comes before Traffic, which comes before Monetization (i.e., Collecting the Money).

Collecting payment and delivering an e-product in an automated way will not be the difficult part of your online business. There are literally hundreds of services doing this. The key is to build high volumes of targeted visitors, and then PREsell them your own products, and others you represent.

You want to “sell” what people want and search for on the Net… INFORMATION.

This is the foundation of your business, no matter what you plan to sell on the Net. Obviously, the information provided on your Theme-Based Content Site should be tightly related and lead naturally into the sale of your e-good.

Bottom Line……

Selling an e-good can be highly profitable, easily automated and low-risk. Blend in other monetization models and you can build a strong, diversified and growing online business.

Look for my future articles where we discuss additional monetization options, search engine optimization, in-bound links, additional e-zine techniques, link exchange programs and much more…..

You can check out Michelle’s web site at http://healthy-holistic-living.com. To get more great tips, like the ones above and to see how and what tools she used to create a successful on-line business go to http://sitesell-sbi.com

Until next message, good global business to you.

Gary

How We Can Serve You

How to Have Real Safety in 2020

The most important investment you can make in 2020, is in yourself. 

Invest in more time.  Invest in less stress. Invest in greater security.That’s why four years ago we created the Purposeful Investing Course (PI) because when it comes to finances, there are only three reasons why we should invest.  We invest for income.  We invest to resell our investments for more than we had invested.  We invest to make our world a better place.

We should not invest for fun, excitement or to get rich quick, or in a panic due to market corrections.

The core model portfolio we teach in the PI Course rarely changes, but is highly diversified in thousands of shares around the world… so there is higher long term profits, less stress and greater safety.

The portfolio consists of 19 country ETFs.  During the four years since we created the Purposeful Investing Course and set up a $40,000 real time portfolio at Motif Brokers, we have held the same 19 shares and have only traded three times.

The portfolio started with $40,000 and has risen to $53,591 ($49,015 in shares and the balance in accumulated cash).

The portfolio did really well from 2015 to 2018, better than the DJI Index.  Then as the US dollar grew in strength it fell behind.

The chart below shows the actual results of thos portfolio compared with the S&P 500.

motif

 

This good value portfolio above is based entirely on good value financial information and mathematically based safety programs developed around investing models that date back 91 and 24 years.

The Pifolio is a theoretical portfolio of MSCI Country Benchmark Index ETFs that cover all the good value markets developed combining my 50 years of investing experience with study of the mathematical market value analysis of Keppler Asset Management.

In my opinion, Keppler is one of the best market statisticians in the world.  Numerous very large fund managers, such as State Street Global Advisers, use his analysis to manage over $2.5 billion of funds.

The Pifolio analysis begins with Keppler who continually researches international major stock markets and compares their value based on current book to price, cash flow to price, earnings to price, average dividend yield, return on equity and cash flow return.  He compares each major stock market’s history.

Fwd: keppler

Michael Kepler CEO Keppler Asset Management.

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

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

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

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

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

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

Here is the Pifolio I personally use.

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

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

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

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

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

The fact that the Pifilios are invested in all the shares of the MSCI Index in each good value market reduces long term risk.

When the US stock market bull ends, know one knows for sure how long or how severe the correction will be.

When the bear arrives, what will happen to global and especially good value markets?

No  one knows the answer to this question.

What we do know is that the equally weighted, good value market Pifolios have the greatest potential long term and that math based trailing stops can be used to protect against a secular global stock market correction when it comes.

My fifty years of global investing experience helps take advantage of numerous long term cycles that are part of the universal math that affects all investments.

What you get when you subscribe to Pi.

You immediately receive a 120 page basic training course that teaches the Pi Strategy.   You learn all the Pi strategies, what they are, how to use them and what each can do for you, your lifestyle and investing.

You also begin receiving regular emailed Pifiolio updates and online access to all the Pifolio updates of the last four years.  Each update examines the current activity in a Pifolio, how it is changing, why and how the changes might help your investing or not.

Included in the basic training is an additional 120 page PDF value analysis of 46 stock markets (23 developed markets and 23 emerging stock markets).  This analysis looks at the price to book, price to earnings, average yield and much more.

You also receive two special reports.

In the 1980s, a remarkable set of two economic circumstances helped anyone who spotted them become remarkably rich.  Some of my readers made enough to retire.  Others picked up 50% currency gains.  Then the cycle ended.  Warren Buffett explained the importance of this ending in a 1999 Fortune magazine interview.  He said:  Let me summarize what I’ve been saying about the stock market: I think it’s very hard to come up with a persuasive case that equities will over the next 17 years perform anything like—anything like—they’ve performed in the past 17!

I did well then, but always thought, “I should have invested more!”  Now those circumstances have come together and I am investing in them again.

The circumstances that created fortunes 30 years ago were an overvalued US market (compared to global markets) and an overvalued US dollar.  The two conditions are in place again!

30 years ago, the US dollar rose along with Wall Street.  Profits came quickly over three years.  Then the dollar dropped like a stone, by 51%  in just two years.  A repeat of this pattern is growing and could create up to 50% extra profit if we start using strong dollars to accumulate good value stock market ETFs in other currencies.

This is the most exciting opportunity I have seen since we started sending our reports on international investing ideas more than three decades ago.  The trends are so clear that I have created a short, but powerful report “Three Currency Patterns for 50% Profits or More.”   This report shows how to earn an extra 50% from currency shifts with even small investments.  I kept the report short and simple, but included links to 153 pages of  Good Value Stock Market research and Asset Allocation Analysis.

The report shows 20 good value investments and a really powerful tactic that shows the most effective and least expensive way to accumulate these bargains in large or even very small amounts (less than $5,000).  There is extra profit potential of at least 50% so the report is worth a lot.

This report sells for $29.95 but in this special offer, you receive the report, “Three Currency Patterns for 50% Profits or More” FREE when you subscribe to Pi.

Plus get the $39.95 report “The Silver Dip” free.

With investors watching global stock markets bounce up and down, many missed two really important profit generating events over the last two years.  The price of silver dipped below $14 an ounce as did shares of the iShares Silver ETF (SLV).   The second event is that the silver gold ratio hit 80, compared to a ratio of 230 only two years before.

In September 2015, I prepared a special report “Silver Dip 2015” about a silver speculation, leveraged with a British pound loan, that could increase the returns in a safe portfolio by as much as eight times.  The tactics described in that report generated 62.48% profit in just nine months.

I have updated this report and “Silver Dip” report shares the latest in a series of long term lessons gained through 40 years of speculating and investing in precious metals.  I released the 2015 report, when the gold silver ratio slipped to 80.  The ratio has corrected and that profit has been taken and now a new precious metals dip has emerged.

I have prepared a new special report “Silver Dip” about a leveraged speculation that can increase the returns in a safe portfolio by as much as eight times.

You also learn from the Value Investing Seminar, our premier course, that we have been conducting for over 30 years.  Tens of thousands of delegates have paid up to $999 to attend.  Now you can join the seminar online FREE in this special offer.

This three day course is available in sessions that are 10 to 20 minutes long for easy, convenient learning.   You can listen to each session any time and as often as you desire.

The sooner you hear what I have to say about current markets, the better you’ll be able to cash in on perhaps the best investing opportunity since 1982.

seminars

Tens of thousands have paid up to $999 to attend.

In 2020 I celebrate my 54th anniversary in the investing business and 52nd year of writing about global investing.  Our reports and seminars have helped readers have better lives, with less stress yet make fortunes during up and down markets for decades.  This information is invaluable to investors large and small because even small amounts can easily be invested in the good value shares we cover in our seminar.

In this special offer, you can get this online seminar FREE when you subscribe to our Personal Investing Course.

Triple Guarantee

Enroll in Pi.  Get the basic training, the 46 market value report, access to all the updates of the past two years, the two reports and the Value Investing Seminar right away. 

#1:  I guarantee you’ll learn ideas about investing that are unique and can reduce stress as they help you enhance your profits through slow, worry free, easy diversified investing.

If you are not totally happy, simply let me know.

#2:  I guarantee you can cancel your subscription within 60 days and I’ll refund your subscription fee in full, no questions asked.

#3:  You can keep the two reports and Value Investing Seminar as my thanks for trying.

You have nothing to lose except the fear.   You gain the ultimate form of financial security as you reduce risk and increase profit potential.

Subscribe to Pi now, get the 130 page basic training, the 120 page 46 market value analysis, access to over 100 previous Pifolio updates, the “Silver Dip” and “Three Currency Patterns For 50% Profits or More” reports, and value investment seminar, plus begin receiving regular Pifolio updates throughout the year.

Subscribe to a Pi annual subscription for $197 and receive all the above.

Gary