Tag Archive | "Prudential"

Ecuador Bars

Ecuador bars are at times functional but also part of the culture.

The recent loss of Air France 447 had more impact on me than I would have thought… somehow recalling the millions of miles I have logged rushing through the dark night… high… comfortable and content…. protected by a sliver of aluminum skin.

I know that flying has risk. My children flew from England to the US for Christmas on the same Pan Am flight one day after the Lockerbie disaster.

Yet over the years memories fade and one forgets that even in the most mundane events there is risk that we can view as dangerous or enlivening.

I am thinking this because  recently we emailed an advertisement about a house for sale on Lake San Pablo near Otavalo and Cotacachi.

We showed pictures…


of San Pablo Lake and…


the house for sale.


This is a 2,895 square foot house on 5.43 acres on San Pablo Lake, Otavalo for sale at $250,000.  To see the ad click on Ecuador lake property for sale.

Many readers wrote and asked me about those windows that were barred.

Apparently many readers asked the sellers about the bars as well since the seller recently sent me this note.

Gary, many have asked me to address the question regarding the bars on the windows.

The bars are there at this time, as no one from the family goes to the Lake House every weekend, as we are in the US, the decision was made to place these bars as we needed to make sure that our absence there will be no trespassing which we have never heard of one.  Although, it is true that in Ecuador insurance companies give a discount to have the bars on the windows, the new owners can remove them if they wish, we have never had a problem of a breaking into the house or the property.  Hope this addresses the matter, and as mentioned these bars can be removed without a problem.

I have more to say.

One of the great parts of living in different cultures is learning and enjoying new ways of life. Global living expands horizons… unless one tries to move expecting or even worse demanding their new home to be just like their old.

When I first moved to Hong Kong in the late 1960s,  I was fresh out of Prudential sales school which included how to dress… suits, ties, blue blazers and gray flannels and such.  It was refreshing to meet multi millionaires who wore robes… to see different ways of living… eating and yes they had bars on the windows there as well.  They also had shotgunned Sikh guards at every bank.

Then I moved to England and traveled and worked throughout Europe. There I discovered the courtyard. Europeans do not display their wealth like Americans do.   This is a culture  where there has been war after war. When people have wealth they hide it inside… conservative… smart.  This is especially true of the Latins… where the invasions and counter invasions have come and gone since Roman times and before.

Latins love the courtyard.  Our hotel Meson de las flores… looks pretty plain outside.


I love the courtyard as well…


being outside within…


an island from the hustle and bustle and crowd.


Here are delegates at a recent course in our courtyard.


This building was built in the 1800s… not as a hotel but as a home of one of the wealthy families here.  The downstairs was a stable.  This is the Latin way.

Every way of life has risks of some sort. Big cities have condos with locked doors and doormen.   US suburbs have gated communities…  security systems and private guards.

Here in the deep mountains of North Carolina we are 3/4 of  an hour from the nearest police… a mile or so from our closest neighbor and there are a some people who use drugs and meths.  Last year one of our neighbors was shot and murdered by an employee caught cracking his safe. Then the robber in a panic killed the wife and son as well.

So we have a different security system.

First cameoflauge.  Here is the entrance to our farm…


nothing fancy… even our office which can be seen from the road…


was built to look like an old barn. We even put a special finish on when it was new so it looked old.

An invisible target is no target at all.  This is a good piece of advice in all aspects of business investing and life.

Plus if someone were to come at night… we keep a shotgun.  This is the way it is  in the mountains in many houses.  No bars are on the windows because people know there is a risk if they break in.

This is a system that is usual, expected and effective here.  Yet when our children’s friends from England visit they are amazed… all these guns!

Every aspect of life has risk. When you think about it… life would be pretty boring if not.

An international life in Ecuador, Asia, Europe, Africa, city or country brings broadened horizons because this process lets us see different ways that many cultures deal with risk.  Learning all these ways makes us fuller, more balanced and wiser… if we are willing to learn.

Those who blind themselves with desires for the very existence they are leaving however… slow or reduce the joy of this growth process.

Next time you travel… look at the differences you see… not as risk but as opportunities to see new ways that others have adjusted to their histories. Do this and it can lead to a wonderful life where no holds are barred!


Join us in North Carolina or Ecuador

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.

Small Business Starts

Small business starts are important because your own small business is one of the best ways to fight inflation and hard economic times. Yet the most frequent question I hear about starting small business is “where and how should I start my small business.

The answer to this begins with two questions:

Small business starting question #1: How much time do you have to start a small business.

Small business starting question #2: How much money do you have to start a small business.

The answers are often related but in the end most people are in one of five

Small business start up position #1: Plenty of time and enough money to live on and start a business.

Small business start up position #2: Plenty of time and enough money to live on but not enough to start a business.

Small business start up position #3: Plenty of time but not enough money to live on (or start a business).

Small business start up position #4: Enough money to live on and start a business but no time.

Small business start up position #5: No time and no money.

Interestingly enough position #5 is safest (not much to lose) and position #1 has the greatest risk for small business start ups. Small business start up position #1 suggests some previous success and or inherited money. Either position can make one over confident and encourage, “full steam ahead!”

Full steam is not often the best way to begin a small business. I always recommend that people start small…limited steam in a very directed way. Open the small business stopcocks nice and slow.

Small beginnings are nature’s way. Most businesses start with a learning curve. During the beginning and in the initial learning period, it is essential to remain small as you err. Once lessons have been learned, the business can grow using business evolutionary cycle.

The small business evolutionary cycle is

#1: Get an idea

#2; The idea leads to enthusiasm.

#3: The enthusiasm leads to education.

#4: The education leads to action.

#5: The action leads to profit or loss but also more ideas.

The cycle repeats and this is the way that businesses should grow.

My businesses never really started in a full steam ahead mode. In a way I have always had one business, but it has morphed again and again, each new development being financed by the old. Each new development has always been (to Merri, me and we hope our clients) better.

I began as a Prudential Insurance agent selling door to door in Portland Oregon.

That beginning was financed by working in a gas station while I learned and trained to sell.

Selling insurance in Portland led to selling American investments door to door in Hong Kong. This was really the only full time jump I made. I nearly starved! And I learned. Yet even then I was still selling door to door…with the same tactics just for a different product in a different place.

I learned (as I starved) that the different product and place required different tactics.

This started the evolution and due to traffic congestion in HK, I began putting on seminars to sell US investments more efficiently. Then I created a small newsletter to keep in touch with the investment salesmen I hired.


These were the salesmen i motivated with my first newsletter. That was a good idea and both part time efforts (the newsletter and seminars) were financed originally by my door to door selling of US investments!

But this approach was flawed. In the early 1970s, I was living in Hong Kong selling US mutual funds. This was when the Hong Kong stock market first began to emerge. Share prices in Hong Kong rose and rose. This was also the first time the U.S. stock market had collapsed in twenty years.

To be frank U.S. investments then, sucked. Hong Kong investments were good.

That idea changed my business. I began writing newsletters and reports about Hong Kong investments for Americans and how US investors could make more money abroad.

This was a good idea but ahead of its time so I did this part time and financed the new effort with my existing business…selling US investments in Hong Kong.

As my income grew from the new activity (selling HK investment ideas to Americans) I saw investment opportunity beyond Hong Kong. I moved to London. There was more international investing knowledge and information available there. I began selling reports about investing in gold, silver, Swiss francs, Australia, England and Germany.

I tried many business ideas in London. Here is a shot that was in a London daily, part of a PR  program to help sell square inches of Graceland after Elvis died. That was a really bad idea.   I am very glad  I started that one small!


This move to London was financed by selling HK investments to Americans.

Then I saw other Asian countries beginning to have great potential. I began researching there and as phone rates dropped and the fax came along, I saw that I could get out of the big city and moved to Naples, Florida, then a sleepy fishing village… closer to my North American clients. My seminar business boomed financed by my London business.

Then in the early 1990s saw potential in Latin America and in Smalltown USA.

I began researching and traveling in these places part time…financed by my existing efforts in Florida.

Finally as Naples became crowded, because of the Internet, we were able to move to isolated farms both in The Blue Ridge and in Ecuador and still have access to any international investment business information and stay in touch with my clients.

My internet business began in a small way as well…as a supplement to my print business…not earning much…until gradually it became the only way we do business.

Each step in our business growth has been a gradual evolution financed by the last.

Each time we began the new part of our business in a small way, crept along and learned until it grew and took over to become our core.

Today our business on the farm and in Ecuador create the largest part of our income.

What’s next?

I do not know. You’ll find out as I do and my business evolves once more.

What I do know is that whatever ideas emerge the ones that enthuse me will be the ones I follow…in a small way. I will test them…in some small way…not expecting to make enough to live on. Some will survive ad grow. Others will be discarded.

Whatever your time and money position, you can begin your own business by looking for ideas that create enthusiasm in you. When you feel excited in a field start to educate yourself. Learn about the idea and then test small business ideas. Use a little time and or capital. Try…read…ask…learn. Tkae small risks.

After that if you still feel good…go for it in a larger way and let your small business evolve from there.

If you have little money start a business that uses your time and energy (as i did as a salesman) as your capital.

The is the era when small is beautiful so until next message may your success to begin be fulfilling but small!


We offer two emailed courses to help you start a small business.

International Business Made EZ

Self Fulfilled – How to be a Self Publisher

Readers are proving again and again that having a small business is smart! One reader just shared this note:

Gary: This is Randy. I have been a subscriber of your newsletter for a long, long, time and I LOVE it. I just thought that I would chip in a comment about your comments about Labor as we are approaching Labor Day. I thought for years that Manuel Labor was a Latino and then I got involved in creating my company and found out differently. That is supposed to be a joke. Seriously, we started FFI November 2, 2005 and we have grown to over $200,000,000. And are shipping our products to over 200 Countries and territories and we are primarily an Internet company doing eCommerce. I agree with you that if one is doing something they truly love, it is not considered work, but a labor of love. My wife (Wendy) and I have traveled to over 81 countries during the last couple of years speaking to people about our products, and expressing our passion for what we do, and today we have over 200,000+ people selling our products face-to-face and the rest of our sales are on the Internet. Anyone that has a determination to succeed and have enough knowledge of Internet marketing can distribute their products.Keep up the good work of delivering your message with no hype, but telling the truth. Your Friend, Randy”

We offer seminar courses to help you start your own small business as well .

International Investing and Business Made EZ North Carolina October 3-5

Ecuador Ecuador Import Export Course October 14-18

This export course has been working well. One reader just wrote:

“Good Evening Gary/Merri/Steve, Speaking of a small business, we have opened All American Enterprises, LLC (AAE) which includes selling products from Ecuador at a trade days operation about 200 miles East of Dallas. I don’t know if we are off to a “bang” but we are sure having fun. See attached pictures to include our model, Consuella.


Please tell Mary we have made profit on our inventory and the big sellers are alpaca silver jewelry and Octovalo alpaca ponchos. We will visit with Steve at the end of September and would like to restock to include blankets/ponchos/throws from Hilana. Does Mary have the contact for wholesale Hilana products? Say hi to Ma and the cats, too. Bob and Dot”


International Investing and Business Made EZ Ecuador
November 7-9, 2008

See discounts for couples attending more than one course.

Here is another comment from delagtes who attended the import export course

“Hi Gary & Merri. Our business of selling Ecuador products is still going well. We are now appointing Agents across Australia and should have the whole country covered by mid-August. Our initial shops continue to re-order on a regular basis. The best shops seem to re-order every two weeks.We have also received inquiry to provide buying services for people in a few other countries. So we will be seriously thinking about starting our own brand name to market globally. If successful, it should help many Ecuadorians.We have appointed a national distributor for our Andes Artisans products (www.andes-artisans.com) so we will be leaving Australia to live in Ecuador soon. Thank you again John & Dixie.”

Ecuador Ecuador Import Export Course October 14-18