Tag Archive | "NZD"

Ecuador Stock Market


See below why I am not buying into the Ecuador stock market… or any stock market at all.

First, let me be clear… there is not much of an Ecuador  stock market… never has been and probably won’t be for quite a while.

Merri and I do own a few Ecuador shares… in Cemento, an Ecuador cement company,  but these were purchased years ago when Ecuador had a stock market beginning to boom. Then the economy and sucre collapsed and all the Ecuador banking shares (including the ones we held) rushed to zero.

The Ecuador cement shares were all that was left… along with a lesson learned.

Yet there are two other reasons why you’ll not see many Ecuador equities in my portfolio.

In fact, you won’t see many stocks in our portfolio at all.  A review of my recent total asset allocation shows that I hold only 3% in equities.

An excerpt from our recent Multi Currency Update shows that I do not hold many shares at all and why I am not buying more now.

Last week my account adviser at Jyske Global Asset Management sent me this note.

Gary, The USD on the move!  The main focus this week has been on the FX market. We have had a long period of a declining US Dollar against most other currencies. The market participants have been waiting for an excuse to take profits. The market got its excuse last week, where we for the first time saw better than expected US unemployment figures. The non-farm payrolls where better than expected and the unemployment rate dropped to 10%. When the numbers hit the market the EUR/USD was trading above 1.5000 and during this week the USD strengthened approximately 5%, currently trading at 1.4350.

The correction of the EUR/USD also indicates that the psychology in the market could have changed. During 2009 improving economic figures led to a risk-on scenario where investors began  to diversify in to  more speculative markets and at the same time exiting the USD safe-haven. The change in psychology has resulted in a focus on possibly increasing interest rates as the economies worldwide begin to improve. The US economy shows signs of improvement and investors are thus beginning to focus on being long USD assets.

The FED however announced no change in the FED funds after their meeting on Wednesday. Bernanke told the market on the following press conference that the interest rate would remain unchanged until the economy is back on track and we see a significant drop in the unemployment rate. We therefore believe that the current strength in USD is temporary and we do expect the EUR/USD to turn around and once again go toward our target of 1.5500.

The main focus in Europe during the week has been on the down grading of the sovereign debt of Greece to BBB+, by both FITCH and S&P. Both rating agencies, still have Greece on a negative watch. The 10 year government bond of Greece now pays a historical 250 bps more than a 10 year German government bond.

Norway once again increased their interest rate with 25 bps, from 1.5% to 1.75%. Norway has seen an increase in the private consumption and a hot real estate market. The Central bank of Norway thus chose to increase the interest rate, even though the industrial production in Norway still suffers.

That note from my adviser cemented my thinking that the greenback’s upswing creates a good time to further reduce US dollar positions. I am reducing my euro positions as well.

The global economy continues to upswing and eventually interest rates will be heading up…. bit equities are at risk due to the chances of another economic slowdown and massive government economic stimulation that has supported high risk speculation.

So last week I added more emerging currencies with higher interest rates by liquidating my Jyske Invest Danish Bond Fund and Jyske Invest Euro Bond Fund.

I used the proceeds to purchase higher interest rate bonds away from the euro and mostly into the dollar zone but not the US dollar itself.

I purchased:

NOK 4% Rabo Bank 29.05.2013 (AAA)     101,25   3,60% p.a.
CAD 4,95% KFW October 2014  (AAA)      109,60  2,80% p.a.
EUR 7,25% Bombardier 15.11.2016 (BB+) 102,25  6,70% p.a.
AUD 6,00% EIB 14.08.2013 (AAA)            101,60   5,50% p.a.
NZD 6,50% EIB 10.09.2014 (AAA)            104,50   5,39% p.a
MXN 8% Bonos 19.12.2013 (A+)               103,60   6,97% p.a.
BRL 11,25% EIB 14.02.2013 (AAA)           104,75   9,41% p.a.

I also sold my Hungarian government bonds and bought the Polish bond below with the proceeds.

PLN 6,50% EIB 12.08.2014   (AAA)            107,00   4,77% p.a.

I see any period of US dollar strength as an opportunity to exit the greenback and accumulate other currencies.

Learn how to get my regular portfolio updates.

The personal reasons why I do not invest much in shares is based on three cornerstones in Merri’s and my lifestyle and investing philosophy.

Cornerstone #1:   Know Thyself.

Cornerstone #2: Be True to Thyself.

Cornerstone #3: Turn Your Passion into Profit.

Merri and I love our business. We earn more than enough from it and…  we gain enormous fulfillment from serving others.

Plus we love buying and fixing up real estate. If you have been sharing this site from long you have read our escapades buying real estate in North Carolina, Ecuador and now again in Florida.

We love fixing up real estate in Ecuador and…

Ecuador-house-for-sale

on our North Carolina farm…

golden-mean

and…

ecuador-future

at the lakefront in Florida.

On the dark side, we hate accounting. We cannot read balance sheets… nor do we trust them much… so we tend to avoid equities… which historically overall are the best investments of all…. if… you ignore the three cornerstones.

We only have two shares… Bank of Florida and Jyske Bank…. because we know (and like) the people and the concepts involved.  Plus we understand the financial business.  Otherwise the most we do in shares… even though we have helped others make many millions in the stock market… is buy ETFS or mutual funds.

When we invest in shares there are three factors we continually look for…

Investing Factor #1: Contrasts.

Investing Factor #2: Trends.

Investing Factor #3: Value.

We are always looking for contrasts in value that will eventually create trends.

This is why we began buying real estate in Florida and are not investing in many equities now.  A recent New York Times article “New Slip in Housing Prices Undercuts Fragile Optimism” by David Streitfeld explains why.  Here is an excerpt:

Just as the economy is finally beginning to strengthen, the real estate market is showing new signs of deterioration.  Prices slipped in many cities in October, new figures show, despite low mortgage rates and a generous tax credit meant to spur sales. Now rates are starting to rise, making it harder for many buyers to afford a house, and the tax credit seems to be losing its capacity to lure them into the market.

The renewed worries about housing come against a backdrop of improvement in the broader economy.  Surveys suggest consumers are growing more confident. That better mood probably helped improve holiday retail sales. The number of people joining the ranks of the jobless is dwindling, while the hiring of temporary workers is up, a traditional harbinger of recovery.

Still, economic growth for the third quarter was more modest than originally reported; it was revised down to an annual rate of 2.2 percent from 2.8 percent. Many economists are fretting that housing could drag down the tenuous recovery.

The figures released Tuesday showed that the Standard & Poor’s/Case-Shiller home price index, a widely watched measure of housing markets in 20 metropolitan areas, rose 0.4 percent in October from the previous month on a seasonally adjusted basis.
It was the fifth consecutive month that prices were up, but the rate of increase has dropped sharply from the impressive gains of the summer. Prices in nine of the 20 cities were flat or down.

“I’m worried. Everyone’s worried,” said Karl E. Case, the Wellesley College economist who helped design the housing index that provided fresh cause for alarm on Tuesday. “If prices sink 15 percent from here, which is a possibility, and the 2008 and 2009 loans go bad, then we’re back where we were before — in a nightmare.”

One might think why invest in real estate… not stocks… when real estate seems down.

Due to the last economic downturn… many governments… led by the US… spent trillions flooding the market with easy money… for big banks.

These big banks in turn borrowed the money and poured that money into stock markets.  This made the banks look profitable and pushed stock markets up… at the expense of currencies around the world.

Government spending rarely works efficiently as evidenced by the multi billions spent of security that missed a Nigerian, whose father’s warning to the US Embassy validated a risk… that the CIA had already picked up… even though he was on a risk list… and after buying a ticket for cash…. and arriving without luggage… he was allowed to walk onto a plane headed for the US with a bomb in his underwear.

This post 9-11 security may not have been such a great government investment.

Just imagine that the economic spending from the governments of the world have created the same situation… making the public feel better when  the reality is… the risk is the same… or actually worse… because of the government’s heavy handed involvement.

If the economy once again stalls…  the stock markets… many of which are thinly traded… will collapse like a house of cards. All that government money (actually your money and mine) will be gone.

Repayment of the loss will most likely be made via inflation.  Stock portfolios will be wiped out.

This concerns me.  Jyske Global Asset Managers are concerned as well.  Their low risk managed account for US investors has only 17.5% in equities and they are only in seven investments… of which five are major Blue Chips.

Electricite De France France’s electric company.

Siemens AG a global powerhouse in electronics and electrical engineering, operating in the industry, energy and healthcare sectors.

Bayer AG, a global enterprise with companies in almost every country.

G4S Plc the world’s leading international security solutions group, operating in over 100 nations.

Novartis AG Reg.  the largest producer of insulin.

Only a very small portion of the portfolio is in other equities, iShares II BRIC and Jyske Invest IT Equities.

If we see a double dip recession, then real estate will remain depressed perhaps for a bit.  However there is real utility in real estate and the very inflation that could ruin so many investors will benefit those who hold real estate (and can hold on) plus those who hold commodities and have their own business.

There is no doubt still some good individual shares but overall shares offered good value early last year… not now so investors should beware.

Gary

We hope you will join us for seminars and tours in 2010.

If you plan to join us at six or more seminars and tours in Ecuador, Florida or  North Carolina in 2010 you can save as an International Club member

See details about each of our seminar and tours below… then see our December special that allows you to attend as many of these courses you like at a huge savings.

For International Investing and Business.

For Super Thinking + Spanish

For Ecuador Shamanic Tour

For Ecuador Export

For North Andes, Imbabura & Cotacachi

For Manta & Mid Coast

For Quito & Mindo

For Salinas & South Coast

For Cuenca

You gain discounts by attending multiple seminars and tours.

Here are our multi tour adventure discounts.

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

But our 2009 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) is only $2,999.

The International club fee rises to $3,500 in January 2010. 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

Read the entire article New Slip in Housing Prices Undercuts Fragile Optimism

Happy Oops… New Year


Here’s one way to get a good start in the new year.  Let my 2009 error make you a hero in 2010.

Sometimes… no matter how much experience… there are ways to screw up…  as I recently did.

See below how this mistake can not only bring extra cheer to you in 2010… but can help you gain wealth… better health… asset protection and make you a hero (or heroine as the case may be) as well.  Plus save you some cash as well!

First let me share how rosy our holiday has been… filled with Ecuador roses.   (Roses like this will be part of your heroship because in a minute you’ll see how to get an Ecuador rose bouquet absolutely free…. exactly at the most important time.)

We received 100 roses… we had ordered 50 and a kind reader sent us 50 more. Thank you Barry!  After sharing, we still had a number of wonderful bouquets around the house.

Some have become wilted by now.

Though they are not so great on the stems… they still look good on…

ecuador-roses

off the stalks on…

ecuador-roses

our dining room table.

The pinks really held up and remain in our kitchen.

ecuador-roses

These roses lasted nine days because we care for them. Instructions are included when you get Ecuador roses.

Other good ones have regrouped into a New Year’s bouquet standing in our living room.

ecuador-roses

Readers loved their Ecuador roses as well.

One wrote:  Just wanted to send a note about the roses. They are breathtaking. We cannot believe just how beautiful they are. Arrival was exactly on schedule, again they are perfect. We got them for our own house, which is an Assisted Living Facility for the Developmentally Disabled, six men with mental challenges live here with us. But the roses are so lovely we are allowing them to take some to their families. We want to thank you and yours for sharing with us such a lovely gift.  Makes us want to move even more.   You will definitely be getting more orders in the future from us AND our friends.

Now let me confess… my screw up.  Then we’ll share two great benefits (an Ecuador rose gift and more) that this error can bring to you.

Merri and I have been conducting seminars for over 30 years.

In that time we have learned many lessons.  For example…  one important lesson is… do not conduct a seminar anywhere near Christmas, Easter or Valentine’s Day.

So what did I do for 2010?

Before I admit everything, please let me mitigate this screw up by saying that scheduling these events is not the easiest task in the world.

One has to take into account US holidays, Canadian holidays…. Ecuadorian holidays… religious holidays of all sorts… what one’s competitors are doing, what our friends at Jyske Bank are doing plus in 2010 we have a Cotswold wedding to factor in  (our youngest daughter is to be married… yea!) as well.

Plus our business has really boomed.   By last October, when we normally schedule our seminars for the year ahead…  I was already being bombarded with requests for a 2010 schedule.

What more can I say.  I simply goofed under pressure and set up our first ever expanded Quantum Wealth International Business & Investing seminar for Feb. 11-14  in Mt. Dora, Florida.

In other words this course’s schedule is not near… not close… but right on Valentine’s Day.  I shudder!

Plus once our schedule is set and reservations come in…the dates are pretty well set in stone.  In the last 30 years or so I have missed a seminar only twice… once when my dad died and once last year when my mother had a serious illness. (She has recovered really nicely thank you very much).

If Merri, our kids and my mom (plus me of course) are breathing and are likely to continue to do so for a week… then our seminars are conducted!

So I realized: “I had to turn lemons into lemonade.”

I had to create a Valentine’s celebration as part of our February seminar.

I have done this in three ways so here is what I am going to do for you…. to make you a Valentine’s hero!

If you attend our course this February 11 to 14  and bring your partner! I’ll give you a bouquet of beautiful Ecuador roses to enjoy at the seminar.  If your spouse does not come, you can take the roses home… The course ends about noon so you can get back home on Valentine’s Day, and with some of the nicest roses you can imagine, to say “Happy Valentine’s Day”!

You’ll be a Valentine’s hero!

Yet there are two more great Valentine’s treats in the works… that will make you a Hero with a capital H.   We’ll see these other benefits in a moment.

First, let me describe the benefits (beyond being a Valentine HERO) of attending the seminar.

The seminar begins in Mt. Dora (about an hour from Orlando airport) Thursday February 11 with “Quantum Wealth” a one day workshop conducted before our regular Florida International Investing & Business Made EZ seminar.

This workshop helps you learn how to attain wealth continuously, effortlessly, in a fulfilling, enjoyable and positive way.  This workshop will help you stop worrying about money, bad governments, the falling dollar… inflation and all the future other horribles. Quantum Wealth reduces stress… improves health and helps income to flow from doing what you love.

We have been incorporating the ideas of Quantum Health and Quantum Wealth into our courses and seminars for decades… but our  February 2010 Florida schedule made it possible to devote an entire day to this portion of the course.

International-Investments

Delegates enjoy coming to our home during the “Quantum Wealth – International Business & Investing Seminars” Here is a group at our North Carolina home.

The foundation of Quantum Wealth is to integrate:

* Logic with intuition.  The benefit is increased prosperity from better adaptation to change.

* Desire with action.  The benefit is more enjoyment and fulfillment from life.

* Good health with everlasting wealth. The benefit is reduction of stress, more energy and feeling better.

ecuador-savings

Join us here, this February at…

emp-terrorst-attack

our new Florida home…where we will enjoy a Valentine’s Day celebration.

Bringing delegates to our home for a home cooked meal is an example of a quantum wealth benefit.

This is fun.

Yet there is more.  This process helps delegates hear, see and feel the authentic reality of the ideas we share.  We do not spout ivory tower, unattainable theory.  Our seminars share what we do… how we live… and how we have developed our lifestyle. Our mission is to help you see what we do, so you can blend our lessons into a lifestyle that is better… happier… richer…easier for you.

I have never heard of other seminars offering this… an integration of what we speak about with our actual “at home” lifestyle.

Here are the 21 main points we cover in our one day Quantum Wealth Workshop.

#1: Quantum mechanics & frequency how they all connect.

#2: Three aspects of being – air – fire – water… how to balance and integrate them.

#3: Three ways to integrate brain waves and be in the zone… 60 cycle sound… L- theanine and meditation.

#4: The Andean – Indian Connection. How Ayurved and Andean relate.  Three fundamentals of longevity. Eat right, work hard and sleep well. Nutrition, exercise and purpose.

#5: How dis-ease develops and is stopped.

#6: Nutritional goals: Improve digestion, avoid dis-ease here first.

#7: How to use cleansings. Melon, pineapple, apples-grapes, vareshna, chelating, cinnamon-sweet pepper tea, steam and mists.

#8: Teas. How and when to use cedron, chamomile, lemon verbena, peppermint.

#9: Relaxers. How to use chamomile, valerian, lettuce and milk, hot water, vata press.

#10: Fire reducers. How to use peppermint tea, aloe, cream massage, frozen grapes.

#11: Water reducers. How to use cinnamon tea, paprika, cloves, ginger, ginger-black salt and lemon juice.

#12: The power of ritual & routine. When to eat, think, exercise.

#13: How to spot imbalances. Moods, physical signs. pulse testing.

#14: Quantum leap. How energy, colors, organs, glands work together and change every seven years.

#15: Shamanic exercises-yoga, llama walk, lizard, sun salute, crab and mouth release, ring chew, etc.

#16: Deeper Digestion.

#17: How to use the senses, taste, six flavors.

#18: How to use color.

#19: How to use sound.

#2o: How to use essential oils.

#21:  How to gain Super Thinking abilities, increased intelligence and super thinking into our Super Thinking + Spanish for many years but now have added this to our international investing and business seminars to create quantum wealth.

There are at least three simple ways to turn on this super thinking ability:  meditation, listening to 60 cycle music and taking Theanine.
These three steps integrate four categories of brainwaves, ranging from beta waves, the fastest of the four different brainwaves to alpha, theta and the final brainwave state, delta. Delta brainwaves are of the greatest amplitude and slowest frequency.  Deep dreamless sleep takes you down to the lowest frequency.

When we allow these waves to interconnect freely we gain unimaginable intellect.

Merri and I meditate twice every day to tap into this energy.

Plus we listen to 60 beat ten cycle classical music as we work. You could count the number of times we have missed our meditation routine in the last 20 years on one hand. This helps us enormously.

This type of music, along with deep breathing exercises for relaxation moves the mind into Alpha and deeper states as well.

Health benefits are gained as blood pressure can drop, heart rates slow and the mind becomes calmed… and you become smarter.  You tap into your higher intelligence and are more likely to have… and  enjoy… success.

A third avenue that helps enhance intelligence is Theanine (chemical name: r-glutamylethylamide) one of the chemicals found in green tea. Theanine is used to reduce stress and anxiety without the tranquilizing effects found in many other calming agents. Scientific evidence shows that Theanine stimulates the brain’s production of alpha waves, making the user feel relaxed but alert and not drowsy. It also helps the body produce other calming amino acids, such as dopamine, GABA, and tryptophan. As might be expected from a calming supplement, Theanine may be able to lower elevated blood pressure as well.

Our Quantum Wealth workshop looks at how to use super thinking to tap into deeper intelligence and what to do with this intelligence in business, investing and life so you improve the way you absorb, retain, recall information and think forever. The one day Quantum Wealth workshop prepares you to gain more from the international investing segment of the course that starts Friday February 12 when I join Thomas Fischer of Jyske Global Asset Management and our webmaster to review where to invest in 2010.

international-investment-seminar

Here is Thomas speaking at a previous seminar.

Quantum wealth shares our lifestyle.  International Business & Investing shares  how we create income through service and invest globally… plus shares our most valuable contacts and sources of knowledge.

Inflation makes it increasingly hard for almost everyone to keep up with the faster and faster pace of the rat race that captures most of the world…especially in economic downturns we have experienced for the past two years.

International investments and international business unlocks the restrictions of the rat race.

Economic stress grows…debt…rising cost of insurance, increased liability…inflation lurk everywhere. More crowded…more change…more push.  The falling dollar and economic hard times are shredding purchasing power.

This leave us few choices.

We can join the rat race or…find enjoyable ways to invest and earn.

The second day of the seminar (Friday Feb 12) looks first at multi currency investing.  Multi currency portfolios are usually slow moving, safe, conservative investments but they can be really profitable as well.

How safe?

The portfolios we create and review at our courses are composed of mutual funds and shares and are developed with the help of one of the world’s safest banks. The mutual funds and shares are held at that bank at all times.

Suppose we get specific.

That safe bank is Jyske Bank…well established with a history of over 100 years. Jyske is Denmark ’s second largest bank, with 450,000 clients in Denmark and over 30,000 abroad.

Jyske Bank has over 23 billion euros in assets and also happens to be one of the leading currency traders in the world. The Danes have always been big currency traders because as a small naval country surrounded by England , Sweden , Finland , Russia , Germany , Norway and other countries…they have always had to deal in many currencies.

This historically gained expertise means that unlike most banks (that trade only eight hours a day) Jyske maintains a 24 hour global currency and commodity dealer service. Many other large banks use Jyske to handle their off hour currency positions. This means that Jyske is huge when it comes to multi currency activity. In fact their turnover reaches $50 billion dollars a day.

That’s safe.

Each course reviews global economics and updates ways to adapt and prosper in current conditions.

This portion of the course reviews what I am doing as multi currency investor myself.  For example during the 2008 downturn the recent Global Portfolio Currency Breakdown of my own personal portfolio looked like this.

Ecuador Real Estate 12.0%
Real Estate  31.0%
Euro 10.5%
Emerging market Currencies 10.0%
Danish kroner 9.9%
US$ 8.2%
British pound 6.0%
Swedish kroner 4.0%
NZ$ 3.7%
Australian $ 1.0%
Canadian $ 1.0%

By late 2009 that portfolio had shifted to

US $ Real Estate 50%
Non US Equities   3%
Emerging Bonds 11%
Bonds                   26%
Ecuador Real Estate  (for sale) 15%
US$ Short             -5%

my liquid portfolio was diversified in these currencies:

US$  -5.0%
CAD  7.0%
NZD  7.0%
AUD   7.0%
$ Bloc   16.0%

GBP   8.0%
DKK  10.0%
SEK   4.0%
EURO 39.0%
Euro bloc 61.0%

TRY 6.0%
HUF 7.0%
BRL 6.0%
EMCS 6.0%
Emg Curr  25.0%

Now I have made another big shift in my portfolio. At the seminar you’ll see my updated portfolio and why I have made these changes.

Most teachers do not actually share their own personal portfolios…  Just as Merri and I share our home and lifestyle, we share how we invest and explain why our portfolio is designed for our circumstances at any one time.

This provides you with two benefits. First, sharing why we adjust our investments helps you understand how to adjust yours.

Second, and most important, we invest real time. The data shared in our courses is about global investments you can make in the here and now. What you learn is not dated theory, but up to the minute fact! Many delegates come to course after course to update their portfolios.

We share our most valuable sources of information as well.

For example, Thomas Fischer Senior VP of Jyske’s Global Asset Management group will join us from Copenhagen to speak about where to place your current international investment allocation… along with four others… six of our friends and most valued sources if data… will be on hand to help you.

My personal investment adviser Anders Nielsen, also with Jyske, will be on hand to speak privately and answer any of your personal questions.  Our friend and tax attorney of more than 20 years, Joe Cox will share information at the seminar as well.

multi-currency-debt

Here I am with Anders at a previous global investment session.

Here are a few of the international investing and business subjects we review at this course.

#1: How 100 years of global economics can enhance your international investments and international business now. Learn how history reveals currency distortions that create international investment opportunities to borrow low and deposit high. For example right now you can borrow Japanese yen at below 3%, Swiss francs below 4% to invest in international investments, international business, international real estate or other international currencies that pay 5%, 6%, 7% and even more. In one case we’ll show why it is smart to borrow Swiss francs at 3.75% and invest in international Brazilian bonds that pay up to 10% or more!

Subjects in the international investments sessions include a review of global stock markets, international currencies and international interest rates and how they are shifting versus the greenback.

Another session looks at where to find the best value international investments globally right now, plus how to spot the hottest international investment trends before they become hot.

We also cover how to cash in on currency shifts by making international investments through the Multi-Currency Sandwich (Borrow Low-Deposit High) tactic. This is a perfect time for such international investments using diversification of currencies and taking advantage of the currency distortions that now plague investors around the world.

Currency experts from Jyske Bank (Thomas Fischer was a currency trader for many years and Jyske is one of the major currency trading banks in the world) will provide data at that course on this subject.

We’ll study international investment portfolios that offer the advantage of diversification, in several cases into nine currencies and nine different investments of which more than half have strong A to AAA ratings. We will review any changes made in the international investments portfolios we track and update what and how currencies and interest rates may move in the months ahead.

#2: We’ll look at international investments in emerging stock markets and emerging bond markets as well. 2007 was the seventh consecutive calendar year in which international investments in emerging markets outperformed developed markets. In 2007 the MSCI overall Emerging Markets benchmark was up 23.8 % in US dollars compared to the MSCI World Total Return Index being down 0.08 % in US dollars.   See why 2008 fared worse for emerging markets and how this creates more potential value.

In 2008 emerging markets fell faster and further than major markets… but once again in 2009 they led the global investment pack.  Anders Neilsen, my Jyske account manager, is one of Jyske’s bond experts and will be on hand to answer bond questions.

This February’s International invest sessions look at which blend of emerging and major markets may work best in 2010.

How profitable? Though Jyske Global Asset Managers have been extremely conservative this year, their managed portfolios have risen between 12.2% and 34.4% depending of the risk profile and the size of arrangement.

Those with more emerging markets in 2009 made even more.  The emerging markets index (in US dollars) was up 58.99% compared to 23.05% for the major market index. Over three years the index on emerging markets was up 37.88% versus 17.27% for the world index. The emerging market index was up 35.63% compared to the world’s index rise of 18.43% over five years.

Then emerging markets recorded their highest ever quarterly returns in the second quarter 2009, and posted strong gains for the third quarter, up 37.4% in three months, which ranked as the ninth best in equity market history.

You’ll learn why in 2009 we were investing in BRIC countries (Brazil, Russia, India and China).These 4 countries now generate approximately 27% of the world´s Gross Domestic Product (GDP).  The average annual GDP growth of a BRIC nation was greater than 7% before the recession, as compared to approximately 2% for a G-7 nation.  In the first three quarters of 2009, the growth rate for the Chinese economy beat expectations with an outstanding 8.9%.   We’ll look at a special BRIC trading idea in our 2010 seminars.

#3: One session will especially focus on international investments in alternate energy and water. For example we’ll see why Hyflux (water cleaning membranes mainly in China ) rose from $1.50 to $5 in less than a year (and why it then fell dramatically). We’ll see why water shares are destined to grow. We’ll look at Vestas (windmills) shares also up from $50 to $106. Plus we’ll update our Green Portfolio. These shares are especially interesting now as they were especially depressed in the global meltdown.

This course goes far beyond just international investments in stocks, bonds and currencies. Other sessions cover:

#3: How to cash in on distortions in international real estate from Ecuador to Lithuania! We have gained much more than just profit and international business and international investing opportunity in our international real estate searches. We have gained incredible luxury, heart- warming sweetness, breath-taking beauty, much better health and pleasant surprises at every turn. Having lived, worked and played in Ecuador now for over a decade and a half, we’ll focus heavily there, but Ecuador real estate opportunity is just one small part.

For example we’ll see how to own Ecuador and Smalltown USA real estate for pleasure and profit.

The third session of the course looks at how have an international business for fun and profit.

Merri and our webmaster, David Cross join me in the third part of the seminar to look at how to have a small international internet business.

This portion of the seminar is highly practical and usable because it focuses on how to start really small…with minimal investments of time and capital.

Plus we show how to stay small (yet highly profitable) if desired. International business sessions include:

#1: How to have an International and Ecuador Import-Export Business anywhere.

We’ll especially zero in on Ecuador export business opportunities in carved wood, ceramics from Cuenca, carpets from Guano, silver and gold jewelry from Chordeleg, paintings and art, textiles from Otavalo, leathers from Cotacatchi and flowers from the Andes . For example you’ll learn how factories make bread dough jewelry that can be fashioned into high school and college mascots and purchased for pennies apiece (to be sold for dollars abroad). You see how the only native American owned mill produces coats, shirts, sweaters, hats, gloves and scarves in school colors of your choice (at really low prices). These can be sold for ten times their cost.

Here is what one delegate to our course wrote: “Warm greetings for you and Merri! I’ll be on that list of Millionaire women very soon, thanks to your wonderful guidance and tips. Thank you SO MUCH for the good work that you both do!!!”

Another shared this: “I love to travel, but since I’m not independently wealthy, I also need to make money. I made one of my dreams come true. I went to Ecuador . I attended Gary & Merri Scott’s import/export seminar, we visited artists, markets and villages. It was a treat to see the great variety of handmade items and meet the friendly artists. I started to see the possibilities. I filled my suitcases in no time. Most of those things were sold to coworkers and friends and covered the costs of my trip. Yeah!”

“I returned to Ecuador in October. I spent two weeks attending Spanish classes in Quito and the next two weeks shopping. Once home, I sold my goods at an international bazaar and again paid for my trip expenses.

“Do I plan to continue? You bet! I have ideas for other places to sell my goods and some great material for travel articles. I am learning more each trip and gaining experience and confidence and most importantly, I love doing it! Attending your workshop was the catalyst that gave me the courage to take the plunge. Thank you for enriching my life.”

#5: How to write and use publishing, seminars and how to use international internet opportunities to create your own global business from your home. You can run your global business from an office or at home! The internet makes this more possible than ever before.

In the course we use case studies of what we are doing now to show how to start small and grow on the internet! Imagine this. Merri and I have a tiny international business. Just two of us run this operation from a remote farm in the Blue Ridge, a small village in Ecuador and the Florida countryside. Yet our website is ranked among the top 20,000 sites in the USA.

By starting small and building with stepping stones and harmonious foci we now almost own several profit generating phrases at Google.

At the course, we look at how we use the Seven Ps (Person, Problem and Promise, Product) to zero in on key phrases. Then we use the Fifth P Promise to develop new customers. The Sixth P the Prospecting Path and Seventh P the Presentation we use at the internet.

This knowledge has really helped previous course delegates. Here is what one previous delegate just shared:

“Gary , I have been working on my website, healthy-holistic-living.com site and I figure it is time for another update. It is really hard to believe it, but my site just keeps growing and growing and I am now averaging 2000 visitors per day!

“What I find to be most amazing is that in just a few short months my site is #1 out of over a million sites and sometimes even millions of sites! As you always say the internet is the ‘Great Equalizer’ anybody given the right tools can compete on the internet.“

You will learn how to use the same system to expand (or start) your business globally!

#6: How to Cash in on Smalltown USA.

We’ll look at properties for sale in Central Florida. These areas have two unique features. First, they offer great real estate value. Second, they are great places to visit and live and do business.

Many readers combine a trip to our Florida or Blue Ridge courses with a chance to look around and inspect some property for sale.  Learn how demographics and population push (plus the water) and new Florida investments that have come to this area are likely to make this a hot spot in the decade ahead.  In Florida they often visit Orlando about an hour away… plus look at the great lake front properties available at really low prices.

We’ll introduce you to brokers we have used in Florida at the seminar.

#7: How to use the latest tax savings and offshore legal structures to gain the ultimate asset protection. Learn how to gain more than cash-freedom, friendship, financial security, prestige, tax savings, legal protection, fun, adventure, self-sufficiency, fulfillment and more satisfaction…by combining very small amounts of money with your time and energy in an international business.  Our friend and attorney for more than 20 years… Joe Cox will be on hand to speak and answer your questions also.

Previous course delegates have included business people, brokers and professionals, doctors, dentists, lawyers, retirees, couples wanting to get into international business together, insurance agents and marketers who want to enhance their existing business or build a second sources of income through international investments and international business.

Plus more.

We have invited more speakers than we have had in a decade to share this learning experience with you… at this seminar course… for ideas on health… green and quantum investing… asset protection and global business.

Quantum Health…. Sheri Clary.   Sheri helps us with our health.  Sheri is a nurse practitioner who with her husband, James Clary MD, have been helping delegates learn natural ways to improve their health.  Specializes in hormonal balance using bioidentical compounds.

Quantum Investing… Ted Tidwell.  Ted is the founder of 1st Envirosafety the maker of Ted’s Stuff… a colloidal compound that has been helping farmers globally as well as helping create global business opportunity for Americans and Canadians moving abroad.

Quantum Asset Protection  Joe Cox.  Joe has been my friend and attorney for more years than I care to remember.  He specializes in estate planning, insurance, trusts and taxation is a frequent speaker on tax planning topics such as income taxes, insurance trusts, irrevocable trusts and offshore asset protection trusts. He has also written hundreds of articles and books concerning income tax and irrevocable trusts.

Joe is listed in Who’s Who in America and Who ’s Who in American Law. Chosen by Florida Trend Magazine as one of the top 1.6% of lawyers in Florida and one of the top 34 Wills, Trusts, & Estate Planning lawyers. Chosen by Worth Magazine to be one of the top 100 attorneys in the Nation.

Third, the Valentine’s Treat.  The February seminar can help you live, work and invest better… but remember I promised a third benefit that Merri and I have added to make  you a Valentine hero.

We have booked all four days of this course to be conducted in a very romantic place, the Lakeside Inn in Mt. Dora Florida and have arranged discounted room rates for you.

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The Lakeside inn is a ‘National Historic Treasure’, listed on the
National Historic Register, that  has continuously 
operated as an Inn for more than 125 years,
the oldest operating Inn in Central Florida.

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The Lakeside Inn is located 40 miles Northwest of Orlando
 in in Mount Dora… our shopping town and known as 
the “New England” of Central Florida.

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Mount Dora is the Antique Capital of Florida,
where the Renninger’s Twin Markets draws thousands
 to the Antique Mall and Flea Market,
along with downtown Art Shows, Craft Fairs,
Music Festivals, Theatre, Antique Shows,
Classic Wooden Boat Shows, Sailing Regattas 
and Holiday Lighting Ceremonies and Parades.  The Captain Doolittle Eco Tours and Mount Dora Trolley
 and the antique train leave right from the Inn for daily excursions.

You’ll be able to enjoy this romantic view.  The inn sits on Lake Dora.

investing-course

When you enroll, we’ll send details on how to book a room for the seminar at the exceptionally low rate of $129 a night.

You are a Valentine’s Hero in Three Ways.

There you have… along with all the benefits of quantum wealth… international investing and business you get Ecuador roses, a Valentine’s party at our house and can stay with your Valentine at the incredibly unique and romantic Lakeside Inn.

There are three ways to attend our February tours.

Option #1: Come for the four day quantum wealth… international investing and business seminar.

Quantum Wealth Florida – International Investing & Internet Business Mt. Dora, Florida ($749) Couple $999

Option #2: Enjoy a split session. Come for the four day for quantum wealth… international investing and business. Then travel with us February 15 to Ecuador for one or up to four real estate tours.

Feb. 11-14  Mt Dora.

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. 25 travel to Cuenca.

Feb. 26-27,  Cuenca Real Estate Tour.  Feb 29 end of tour.

Simply choose how many seminars and tours you’ll be on and enjoy the multi tour savings below.

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

Option #3. If you plan to attend six or more seminars and tours in 2010 save with an International Club membership.  See how to save here.

International investments and business can help your money grow and stop losing its purchasing power.

Previous course delegates have included business people, brokers and professionals, doctors, dentists, lawyers, retirees, couples wanting to get into international business together, agents and marketers who want to enhance their existing business or build a second sources of income through international investments and international business. Plus everyone wishes to improve their lifestyle… have better health and more ease in receiving income.

If you have or want to make international investments or have your own full or part time international business, you should contact us and make a reservation.

Your friend,

Gary Scott

P.S. One section in the Mt. Dora seminar shows how I turn a $950 direct mailing into $118,500 in three weeks. I added $9,875 a month to my income! This information is worth the cost of the course alone.

International Business & Investing Expanded


There is expanded international business and opportunity because wage earners and retirees in most of the Western world are being set up. This can create great international business and investing opportunity for you.

ecuador-real-estate

In a moment see why this Ecuador property offers such good value.

Whether this “set up” is on purpose, or not, is a subject of lively contention… but the intention doesn’t really matter much.   The results… created innocently or intentionally will be the same.  Disaster for the middle class.  However opportunities in international business, investing and lifestyles mean that you do not have to share in the loss.

We can begin to understand this fact with three simple thoughts.

The first thought is that the US is currently experiencing deflation. You can see from this graph from the Bureau of Labor Statistics.

small-business-statistics

The December 2008 message Multi Currency Inflation at this site, asked the question… will there be inflation or deflation.

Now we know.

The second thought is that the deflationary forces are creating inflationary fundamentals like we have never seen before. The inflation stage is set. This is a formula that means disaster for most… but this does not have to apply to you.

One reader just wrote:  I’m thinking a ‘creative way’ to fix a problem and work through one’s passion will not handle the whole situation.  I hope I’m wrong and you have an even better idea. Medicine and doctors.  Savings stripped.  Destruction of people’s lives and stability.  All done with intention.

The dollar is  going down the toilet, and the best option I see the Fed and Government taking (for themselves, not for us) is to have a debit system.  The debit system would pay people, and would pay others from the people’s account.  People would no longer research to save taxes.  Their accounts would automatically be debited with whatever the government deems able to be taken.  The funds would filter through the Central Bank to be certain the funds are going only where the government it should go.

There is no more representative republic.  There is no more self determinism.  There are no more freedoms as you can be controlled through your debit card.  If government decides you are an ‘unworthy person’ they can easily take all of your nest egg.  If Congress can so thoroughly devastate us overnight one time, they can do it again.  I have a real hard time thinking about a creative way to generate income.  I trust not a congressman.  I certainly do not trust the current administration.  I don’t think they’re through with us.  Best Wishes to you Gary.

Many readers share thoughts like this. I know that so many of you are suffering. Yet I must say: economics will get worse. Fortunately they will then get better.

This leads us to the third thought… which is “the common person who will bear the brunt of the upcoming inflation.”

Yet you do not have to suffer.

A USA Today article “Wages could hit steepest plunge in 18 years
 by Dennis Cauchon and Paul Overberg” explains the problem. Here is an excerpt:  A bad economy and low inflation are starting to drag down wages for millions of everyday workers and freeze benefits for millions of retirees.
Average weekly wages have fallen 1.4% this year for private-sector workers through September, after adjusting for inflation, to $616.11, a USA TODAY analysis of Bureau of Labor Statistics data found. If that trend holds, it will mark the biggest annual decline in real wages since 1991.
“Wages are usually the last thing to deteriorate in a recession,” says economist Heidi Shierholz of the liberal Economic Policy Institute. “But it’s happening now, and wages are probably going to be held down for a long time.”

Yet falling income for wage earners and retirees is meeting huge potential inflation according to the October 16, 2009  New York Times article  “$1.4 Trillion Deficit Complicates Stimulus Plans” by Jackie Calmes.

Here is an excerpt: The Obama administration said Friday that the federal budget deficit for the fiscal year that just ended was $1.4 trillion, nearly a trillion dollars greater than the year before and the largest shortfall relative to the size of the economy since 1945.  The shortfall for the fiscal year 2009, which ended Sept. 30, translates to 10 percent of the economy.  Economists generally agree that annual deficits should not exceed 3 percent of the G.D.P., and that is the level President Obama had vowed to reach by the end of his first term in 2013.  At 10 percent of the gross domestic product, the 2009 deficit is the highest since the end of World War II, when it was 21.5 percent. At the same time, many Americans are demanding further help, confronting forecasts that job losses will not peak until mid-2010.  Representative John A. Boehner of Ohio, the Republican minority leader in the House, rejected that position. “It is irresponsible for Democrats to continue spending taxpayers’ money we don’t have to fund an agenda that would destroy the jobs we need to get our economy moving again,” Mr. Boehner said.

The problem looks even worse according to another October 16 2009 USA Today article entitled “Obama team makes it official: Budget deficit hits record. By a lot.” Excerpts say: The Obama administration has released new deficit numbers, and they are not pretty.  The deficit for Fiscal Year 2009, which ended Sept. 30, came in at a record $1.42 trillion, more than triple the record set just last year.  In addition, future deficits are currently projected to total $9.1 trillion in the coming decade.

Yet while the wage earner suffers… others are becoming rich according to an October 17, 2009 New York Tines article entitled
“Bailout Helps Fuel a New Era of Wall Street Wealth” by Graham Bowley.

Excerpts say:  Even as the economy continues to struggle, much of Wall Street is minting money, many Americans wonder how this can possibly be. How can some banks be prospering so soon after a financial collapse, even as legions of people worry about losing their jobs and their homes?
It may come as a surprise that one of the most powerful forces driving the resurgence on Wall Street is not the banks but Washington. Many of the steps that policy makers took last year to stabilize the financial system — reducing interest rates to near zero, bolstering big banks with taxpayer money, guaranteeing billions of dollars of financial institutions’ debts — helped set the stage for this new era of Wall Street wealth.  A year after the crisis struck, many of the industry’s behemoths — those institutions deemed too big to fail — are, in fact, getting bigger, not smaller.  Now, the industry has new tools at its disposal, courtesy of the government.  With interest rates so low, banks can borrow money cheaply and put those funds to work in lucrative ways, whether using the money to make loans to companies at higher rates, or to speculate in the markets. Fixed-income trading — an area that includes bonds and currencies — has been particularly profitable
.

Here is why you do not have to suffer and can profit like the big banks.

Messages at this site have repeatedly shown that four ways to beat inflation are to invest in equities, real estate, your own business and commodities.

Commodities are riskiest in the deflationary times.

Equities have skyrocketed this year… as have bonds treated like equities.

This is as an excerpt from a recent  update in our Multi Currency course shows that 61% of my liquid portfolio is in bonds!

Here is the excerpt:

As of October, my current liquid asset allocation is:

Equities

Jyske Invest  Turkey Equity Fund          TRY-EUR        1%

Jyske Invest  European Equity                EUR-                2%

Jyske Bank Share                                       DKK                 2%

Bank of Florida                                          US$                  1%

Total Equity Position                                               6%

Emerging Bonds

Jyske Invest Emerg Bonds Fund          EMCS              8%

EuroInvest Bank Bond                             TRY               4%
Brazil Government Bond                         BRL               8%
Hungary Government Bond                    HUF              6%

EMCS (emerging market currency spread)

Emerging Bonds Total                                         26%

Bonds

Jyske Invest Danish Bond Fund                DKK            14%

Jyske Invest  European  Bond Fund          EUR           12%

Caisse D’Amort Dette Bond                        EUR             5%

Jyske Invest Swedish  Bond Fund              SEK             4%

Total Bonds                                                                 35%

Cash

US$                                                                                      15%

GBP                                                                                       8%

EUR                                                                                      7%

CAD                                                                                      2%

NZD                                                                                     2%

Total Cash                                                                 34%

Our multi currency subscribers have been able to  fight the dismal economy just like the big banks.

You can learn how to enroll in our multi currency course here.

US dollar denominated real estate also offers extra value now.  The dollar has fallen which reduces the price of real estate. This is why I am heavily invested in US and Ecuador property.

Take this acreage and farm house as an example.  This offers great value because it is an investment in real estate… a business and commodities (food)

ecuador-real-estate

Here is the farm house.  From the front porch there are…

ecuador-real-estate

views of the acreage.

ecuador-real-estate

including…

ecuador-real-estate

animal pens…

ecuador-real-estate

crops…

ecuador-real-estate

storage area…

ecuador-real-estate

rental unit and…

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small local canteen the owner operates.  This is a…

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great value at $79,000 asking.

Ecuador Living subscribers have been sent a full report on this property.  Learn more about Ecuador Living here.

You can see the property (until it sells) above on our Imbabura real estate tours shown below.

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

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

This course can help you create your own internet business.

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

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

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

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

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

Even Better Get All three Courses Free

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

Inflation is coming and will hit wage earners and retirees hardest of all.  Yet you can succeed. We look forward to sharing ideas on how to succeed with real estate, multi currency bonds and equities and your own business.

Gary

Head south to Ecuador!

Here is the balance of our 2009 Ecuador real estate tour schedule…  plus Blaine Watson’s Beyond Logic and our last Ecuador Shaman Mingo of the year.

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

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

December 9-10 Imbabura Real Estate Tour

December 11-13 Ecuador Coastal Real Estate Tour

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

Our multi seminar-tour discounts have grown!

See the 2010 winter schedule below.

2 seminar courses & tours

3 seminar courses & tours   $1199 $1,749

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

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

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

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

ecuador-exports

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

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

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

We have been conducting Ecuador real estate tours for a decade longer than any others.   Our success has grown because we do not accept commissions on Ecuador estate shown on these tours.   Our goal is to help you know how to find the best deals on  Ecuador real estate.

The pictures below show some of the property we’ll view on the Ecuador real estate tours.

Delegates see two and three bedroom Andean condos like this.

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with views like this…

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In the $50,000 range.

Large square footage, fixer upper’s like this…

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with large gardens and …

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this view are offered at…

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$30,000… asking.

We see luxury townhouses at $75,000

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We view mansions…

ecuador real estate

inside and…

ecuador real estate

out.

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Gated communities are visited.

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Coastal land, houses and condos on the beach… near the beach and with views are seen.

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We see beach front penthouses with these views.

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Ultimate luxury…

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Ecuador beach properties are…

ecuador-real-estate

seen.

Plus rustic houses with…

ecuador-real-estate

perfect beach position are found.  I am told that a delegate purchased this house on our last tour.

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Here it that rustic house, on the right of Merri and me walking the beach with a friend and our hound.

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These brand new beach view condos are $89,000 (some of these units for sale are mine and are offered at $79,000 for Ecuador Living subscribers).

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We see luxury condos but also rustic beach B&B opportunities like the one below at $60,000… asking.

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We’ll even see commercial Ecuador real estate opportunity like this hotel… and

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even this Ecuador golf course on a lake that is for sale with…

two restaurants.

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with 144 seats and…

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rental units on…

ECUADOR-PROPERTY

this lake.

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We hope to serve you well with Ecuador real estate.

Gary

Read the entire articles:  Wages could hit steepest plunge in 18 years

$1.4 Trillion Deficit Complicates Stimulus Plans

Obama team makes it official: Budget deficit hits record. By a lot

Bailout Helps Fuel a New Era of Wall Street Wealth  by Graham Bowley

Multi Currency Breakdown


See the multi currency breakdown of my portfolio below.

Yesterday’s message on multi currency bank safety mentioned that multi currency safety is as important as bank safety. Investors who do not have multi currency diversification can end up holding assets in a safe bank but with a worthless currency.

This is one reason why I have such a large percentage of my portfolio in real estate…carried at cost.  All of our real estate has been purchased at prices well below even the current market. We spend a lot of time researching and searching and fixing because I love working with buildings and land. This is the most important investing lesson of all…do what you love…with those you like.

Really…I would much rather play at making land like this worth more than fiddling with stock charts.

Multi-currency-love

I receive many emails like this:

In this current and, I believe, temporary ‘strengthening’ of the US dollar, I am looking for ways to preserve my assets. I have a lot of faith in the Australian $. The 2 obvious benefits in my mind are, no capital gains if/when the US$ weakens, plus I earn interest on the Australian dollar account. I am also looking to buy silver and I am looking at coins and bullion, any suggestions in this arena would also be appreciated. Thank you,

To invest in just one currency is speculation. Nothing wrong with that, if you know and accept the consequences of speculating incorrectly.

To me, real estate is so much more interesting…a puzzle to be worked filled with mystery that beckons like our hidden horse barn tucked away in the woods…just waiting for value to be added.

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Gold is nice also…in the leaves here during the leaf change or the yellow metal…a bit for insurance …but more is speculation as well. Property however almost always has utility…like our home.

Holding several currencies for multi currency diversification is better for most.

As it happens I have not felt good about Australia’s currency as you will see in my multi currency breakdown below.  In my opinion, too many investors are betting too much on t based as a commodity currency.

Here are three trends I have been aiming my multi currency diversification towards.

#1: A return to value. Value investing has long been our philosophy. No reason to change now but other investors have been chasing the easy, fast bucks in rapid appreciation. Look for a shift towards owning high yielding, solid boring shares and bonds.

#2: Real estate. The real problem investors face is not an economic meltdown. Inflation is the genuine risk because governments have proven that they will flood markets with liquidity to avoid the meltdown. Inflation means that cement will cost more. So too will steel and labor. This means a rise in labor. I salivate when this fundamental meets a global real estate correction and am buying so much real estate I scare myself.

#3: A shift to underlying currency value. Where does an investor go when the euro is no longer trusted and the dollar is fundamentally weak but suddenly flexing muscles it should not have? My guess (and here I am overweighted ) is investors will lean towards currencies of small, economically sane, solid, established, politically sound countries…such as Norway, Sweden and Denmark. If so, these currencies will rise versus the euro and dollar. If I am wrong, they are least likely to fall.

All of this brings us to the point of this lesson. If you travel and visit currency and forex trading rooms of large established, successful trading operations, you’ll note that there are very few, old traders. Young men and young women do this job because experienced investors know that currency trading, rather than diversification requires immense capital, continual diligence, almost unlimited discipline and the ability to absorb many small losses before making a big hit. Plus traders must have the emotional stability to not let the big lead them astray! This is an error that has allowed one trader to break many a bank and major firms’ backs…..Coutts…AIG are two examples.

Here is my currency breakdown:

US & Ecuador Real Estate 50.12%

Europe EUR 16.05%

Denmark DKK 9.03%

United States US$ 8.46%

Britain GBP 4.01%

Sweden SEK 3.16%

Hungary HUF 2.37%

Turkey TRY 2.1%

Brazil BRL 1.28%

Canada CAD 1.18%

Norway NOK 1.15%

New Zealand NZD 1.09%

Australia AUD 0%

I am now readjusting this breakdown and will review why in my Multi Currency Course.

Learn how to subscribe here.

Gary

Join Merri, me and Jyske Global Asset Management at one of our courses. We review economic conditions, Ecuador real estate, my entire portfolio and our multi currency breakdown plus investing and business ideas for the months ahead.

International Investing and Business Made EZ Ecuador
https://www.garyascott.com/catalog/international-business-made-ez-ecuador

Stay on for the real estate tour Cotacachi and surrounding areas. We’ll see real estate for sale on this lake.

Ecuador-lake-sites

Plus we’ll see homes at San Miguel and Prima Vera II.

cotacachi-ecuador-san-miguel

Primavera II $46,000 condos.

multi-currency-Ecuador-condos

Nov 10-11 Cotacachi-Imbabura Real Estate tour
https://www.garyascott.com/catalog/ecuador-real-estate

Then travel to the coast and enjoy this Pacific surf that in November is warm!

Ecuador real estate for sale .

Salt or fresh water

Ecuador real estate for sale

November 12-15, 2008 Ecuador Coastal Real Estate Tour; Quito Real Estate Tour
https://www.garyascott.com/catalog/ecuador-coastal-real-estate-tour

See discounts for two or more of these courses and tours

Multi Currency Question – Recession


Here is a good multi currency question about the global recession.

Recessions create opportunity for multi currency investors, but not always in the short term. Good value oriented multi currency investors may even suffer more during downturns. Recessions improve value in multi currency portfolios but the profits from this value comes only when markets recover.

Value investors are not market timing investors. This is good because most market timers usually lose in the long term.

Well diversified multi currency portfolios reduce volatility but do not eradicate it totally as is explained in the answer to this good multi currency question.

Here is the multi currency question:

“HI Gary, First let me send my love to you and Merri from Israel and thank you for your sharing of info. The question I have is: With the credit problems and banks going under and reduced credit globally shouldn’t this bring down global valuations on stocks? Wouldn’t it be a risky time time to be invested in most stock markets? I read that it is the credit that is propping up the share value. I also read that it is possible for 150 banks to go under, that seems like it would be a huge ripple effect. It seems that it is not isolated to just the states, last week I read about the Danish bank in serious problems. I remember you recommending property, commodities and shares to fight inflation. Do you think the shares rewards outweigh the risk in times like these? Thanks for any insight without panic.”

Here is a reply about multi currency investing that you may find worth study.

Thanks for your question.

First, we are not advocates of market timing. Remember rule number seven of the Seven Rules of Global Investing. “Value is reflected long term. Equity markets are efficient in the long run but are not effective short term due to human behavior”.

Having said this, we do realign the weighting of our investing activity based on our beliefs of where the 30 year market cycle stands. To learn more about the thirty year cycle.

Longer term subscribers know that we began warning about equity markets in August 2007 (the 17th to be exact) when we wrote: “Such historical measures are so inexact that we cannot predict just from them what will happen in the short term. The numbers are close enough that we could be entering the fourth sub cycle down (similar to 1976 to 1978). If so expect a sustained drop in markets for two to three years.” See the entire warning here.

Our September 21, 2007, message said: “Equity markets dropped again violently last month. Now these markets have recovered again. Yet this may be a last gasp party. This drop of interest rates at a time when inflation is beginning to soar could lead to a rapidly falling US dollar. We can see from the chart here that the dollar has done almost nothing but drop for 40 years (that chart is below). Yet much more dollar dropping could be in store.”

The October 14, 2007 message stated: “Periods of high performance are followed by times of low returns. We never know for sure when an upwards cycle will stall. Fundamentals look good for a bright 2008 in emerging and equity markets, but this can change quickly so to give our readers a better perspective, this year we are reducing leverage and adding a sixth portfolio with no leverage to study”.

Oct. 15, 2007 we wrote: “Okay, it’s time to turn the burner down.”

We offered a “leverage dwindling” warning on Oct. 26 where I explained to readers that I had eliminated even my modest leverage and wrote: “There is a final reason I liquidated my leverage now…to lead by example. Too many readers are thinking that the dollar short or dollar neutral Portfolios are only up 38% or 48% for the year. When one thinks that way they could be headed for trouble, so I hope investors will follow my lead and take greater care with their leverage.”

The November 8, 2007 Black Friday interim message warned about all the points above and more. At that time I let readers know that I had reduced the equity portion of my personal portfolio to 6%.

My published portfolio at that time was.

Real Estate 43.0%
Euro 10.5%
Emerging markets 10.0%
Danish kroner 9.9%
US$ 8.2%
British pound 6.0%
Swedish kroner 4.0%
NZ$ 3.7%
Aust. $ 1.0%
Canadian $ 1.0%

The liquid portion of my portfolio was

Cash 9.7%
Equities 6.0%
Bonds 31.7%
Emerging Equities 1.5%
Emerging Bonds 8.5%

There is a chance that equities will fall further. Yesterday’s Multi Currency Portfolio update focused on why value investments tend to drop more in downturns than the norm.

However, this is the best way to make long term multi currency profits…buy good value shares on the downside. One can never predict when the market will turn and when it does turn most market timers get in too late.

I lean towards real estate rather than shares because this is fun for me.

The way each person should position the multi currency portfolio should be based on what they love, enjoy and know best…real estate, commodities or shares. All three asset classes offer more potential than any one person can capture in a lifetime. Why not go with what brings the greatest joy in your life?

Regards,

Gary

P.S. Don’t miss our offer that expires the end of July 2008 for Fresh Ecuador Roses 50 FREE

Learn how to be a better multi currency investor.

Join us and stay at our farm for Susan Rotman’s business intuition course.

Dine with Merri’s excellent home cooking served outdoors in the cool mountain air.

outdoor-cooking

See dates for our Autumn courses and tours:

Visit the San Clemente condos and real estate from Manta north and south. Here are the condos going up.

ecuador-coastal-condos

Ecuador Coastal-Quito Real Estate Tour

Ecuador Super Thinking + Spanish Course

Enjoy learning at our Cotacachi hotel

open-air-learning

Ecuador Imbabura Real Estate Tour

International Investing and Business Made EZ North Carolina

Ecuador Ecuador Import Export Course

International Investing and Business Made EZ Ecuador

See discounts for attending more than one course.