Tag Archive | "Quito"

Quito Ecuador Report

Here is a report on the last Ecuador Get Together in Quito Ecuador by Roberto Ribadeneira, Ateam Ecuador in Quito.

Get Together Quito

quito ecuador seminar

Andres Cordova at our Get Together in November (Quito)

Before even planning on moving to a different place, there are many details that you need to know: legal things, the culture, cost of living, weather, access to technology, how easy it would be there to move, the food, etc.

But of course it is one thing is to know the details and a different one is the experience. It’s like in sports, you need some theory to know how to play a game, but you won’t know if you like it or if you are good at it until you get to play.

That is why we are doing these seminars, because both things are very important. First we start with a mix of things, the experience and the theory. You arrive in Quito a day or two before the Get Together Seminar, which is on February 27 and 28. Quito has a brand new airport with one of the longest runways in South America. While approaching the city you get to see just how big Quito is; the buildings, the houses, the new highways, etc. This will give you a first look at how much Ecuador has developed in the last decade.

From the airport to downtown Quito it takes around 50 minutes depending on the traffic, but on the way you will see lots of new infrastructures and two valleys, Tumbaco and Cumbaya, where all the new rich people are living. Then you will arrive to Quito and to the Hotel, which is in the heart of the financial area.

Since we chose Hotel Finlandia for the seminar, you are in walking distance to almost everything that you need. A big mall which is Quicentro Shopping, banks, restaurants, a movie theater, the biggest park in town: La Carolina, a new boulevard in La Naciones Unidas, the stadium is two blocks from there, our dentist is three blocks away and the eye doctor is 3 minutes by car.

This will be perfect to show you most of the things that you can find in Quito, which is the door to Ecuador.  This year Quito ended up being the most visited city in the Country with over 533,000 people coming. But the real fun starts when the speakers share their knowledge.

quito ecuador seminar

The Team From Intercomex answering questions (Quito)

That brings us to the theory.

We have a company that works with diplomats and helps people move from anywhere in the world to Ecuador. They will show their experience and answer questions that you may have about moving. What things you can bring, how much it will cost, how long it will take? Those details are very important, most people don’t know but having an accurate inventory helps out when pricing the shipping, as you can add insurance and make sure that you are covered.
It is so interesting that they have the have two full hours to inform everyone about their service. And they offer a free quote for anyone that plans on moving here.

Can I bring my lawnmower? My car? My silverware? My working tool? My refrigerator? How many TV’s?

Those are just few of the questions that people had, and believe it or not the answers vary a lot, depending from how many people are coming with you, or if you are going to work in Ecuador and in what field.

If you are planning on moving, having health insurance is also important. Mainly because with the insurance broker that is going to be at the seminar you get a very good coverage, but also the information on which doctors are the best. That is essential, as you want to have the best professionals and no just a random person.
They will provide details on the many variables that insurance companies need from you, but help you to choose the best program and also help you save hundreds of dollars a year in coverage.

Having a lawyer that you can trust is not only useful but fundamental. We have Dr. Andres Cordova who is very knowledgeable and will provide full details on what is that you need to know before coming to Ecuador. He also answers many questions about those important things that cross your mind. How long can you be here without a visa? If this or that investment works to get a visa? Do you need to do some paperwork before or after you get to Ecuador? How long it would take? Can you move while waiting for the residence? What are the legal costs?

If you are planning on coming to Ecuador and still want to work or you want to start a business, we have an expert in taxes that will guide you to all those legal things that you need to know before establishing a business here. Maria Augusta audits companies at the Super de Companias and can help you with these questions when venturing on a business in Ecuador, or just hiring someone.

We also have an expert in macroeconomic outlook. Carlos works at the government and knows a thing or two about Ecuador’s economy. He has a PhD and will give you an idea of what he thinks will be the future for Ecuador. With hard numbers he will show you charts of the last 13 years (since we converted to the dollar). You will see how much the economy has grown and how the future looks for our economy.

But hearing things from the legal and economic view are one thing; another one is the life every day. So we have an expat telling you how life is in Cotacachi and other small towns. Most people choose to live in small towns or small cities, the reasons vary, but the most common is: life is often better in a smaller place.

He will share how life is better due to the most delicious diet that you can find. Fresh oranges every morning, fresh bananas, yogurt, strawberries, mangos, taxos and many other fruits that you have never heard of and are great. Just eating right will make you lose wait without eating less. And restaurants serve first class meals for under $5.00, and I really mean first class meals.

We will also add a special segment with the cost of products in Ecuador so you have an idea of how life is going to be here. I ALWAYS tell people this. Don’t think that coming to Ecuador is about living in a cheaper place or because things are tough in the USA and is harder to afford to be there, Ecuador is another option.

quito ecuador seminar

Jaime speaking about why he chose Ecuador after so many years in the USA

Coming to Ecuador is about saving, yes of course, but most important is about living better with the same amount of money that you are receiving in the USA.

This is what economists call (myself included) the Big Mac Index. What it means is that it takes more money to live in a more expensive place and to buy the same things. So for example, $1500 in Ecuador get you a nice apartment, great meals, a housekeeper, you can afford to eat out many times a month, cable TV, internet, cellphone, a club membership, a gardener, you can travel, enjoy fresh fruit, have insurance and many more things. The same $1500 in New York may get you a small apartment, and that is it.

Keep that in mind, the same amount of money in Ecuador gets you many things that you can’t afford in the USA, plus your quality of life could significantly improve. So plan on coming to Ecuador not only so save money, but to make your life better, MUCH BETTER. The key is to know that and make the most of it. I want for people to live here to be healthier, happier, more productive, more satisfied, to enjoy life, to go out, to walk more, to travel, to eat better. This is a country where you can find the finest hospital in Quito and also enjoy a country life in Cotacachi, or be at the beach in 20 minutes by plane and after another 20 minutes be at the Amazon.

quito ecuador seminar

View of Quito from Hotel Finlandia

You can have better cellphone reception outside a small town in Otavalo than in some parts of the USA and you can have Internet access everywhere in the country.

But everything is about those small details that make your life great. So we added a speaker to talk about how to get those things that you love in the USA and Canada, here in Ecuador. From your favorites books, to your TV series, to those basketball games, to the NY Times subscription and your Hulu shows, to those products that you can still order in the USA and ship them to your home in Ecuador.


Zinio Magazine reader (most popular magazines in the world)

Hope to see you in Ecuador!  Roberto

Learn About Ecuador & Speak Spanish in Three Days


Learn Spanish in Three Days ONLINE

Instant $110 discount on the course!

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Here are a few quotes from delegates of the course.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

“It was a very enjoyable class.”

How The Course Works

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

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

Here is the proof.

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

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

See examples of the words you already know below.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Here are more testimonials from previous Super Spanish Courses.

Maggie wrote: It didn’t really seem possible that we would be speaking and understanding Spanish in only 3 days but the course made it happen in a very supportive learning environment.  I would highly recommend this course for anyone wishing to learn “practical Spanish”.  The teaching methods, use of relaxation, the use of native Spanish speakers for pronunciation and the teachers themselves who were approachable and helpful and always positive made this a very valuable class.

This course improved my self confidence in my ability to learn and retain a language.  It was presented with genuine enthusiasm, great energy and the style of learning is very effective. Gracias!  It was a great experience.

Nadine wrote: “Just spent the last 3 days in the most wonderful learning environment learning Spanish.  What an amazing learning experience!!  First day out of class and I could not stop thinking in Spanish WOW!!  I am amazed by how much I learned, retained and how much more is showing up now that I am out of class.  And the best part is THERE WAS NO STUDYING!! Indeed this is Super Thinking!!!  I would highly recommend this to anyone that has ever had a desire to learn another language or learn anything in record time.

And a few days after that ….  As I went through my day, just hanging out with my son, I could see myself starting to think in Spanish.  At first I thought it was amusing but as it continued and increased I thought “My goodness this is really remarkable amazing” It was really an effortless unfolding.  I wasn’t at any point “trying” to think in Spanish, just words I knew would fly across the screen in my mind.  And then this afternoon, my son cuddled up on the couch to watch some cartoons on his ipad and was watching Peppa Pig in Spanish…hmm coincidence?  I think not, I’m radiating Spanish so much that my son is being influenced!  Thanks a million again.  This weekend the best learning experience of my life!!

If you have ever had a desire to learn Spanish this is the way to do it!  By the end of the first day I had more confidence and more practical ability than I had from any previous courses I had taken.  It was fun and relaxed and full of laughter.  You will leave this class excited to use what you have learned.  Rather than leaving overwhelmed with how much you have yet to learn and master, you are equipped with the knowledge and know how to go out and communicate as well as the excitement to do it!”

Gary noted:  “The whole approach is positive and conducive to learning at a level that benefits ALL participants.  It is not intimidating and does not set up a pass/fail atmosphere.  The presenters are terrific and the results unbelievable.  It was relaxed, informal, friendly and effective.”

Twila said:  “This class provided a very refreshing and relaxed way of learning.  The atmosphere felt very safe to say the words you were practicing.  I learned a lot in a way that will make it easy to apply.  Starting with conversation is way more fun.  How quickly you can learn!  It was a great group, great instructors and great stories.

The atmosphere in the classroom was so relaxed that learning Spanish felt like a breeze and not like a painful task.  The relaxation exercises are really conducive to language learning.  We learned A LOT in a short time and it was fun and the environment was non-threatening.”

Brigitte sent this:  “Buenos Dias, Suzanne. su clase de espanol es excelente! Muchas Gracias!  
I have already done what you suggested and went into the program listening to the music and going over the lessons.  I know: Repetition……reinforcement…..thinking in the new language….it’s all part of it.  I loved your course and will certainly recommend it to friends.  Who knows….I might feel the urge and have the opportunity to repeat it at your beautiful place in Puerto Aventuras…..Quien sabe? Hasta otro dia y saludos a su familia.”

Marie wrote:  “I would highly recommend this course.  The amount covered in 3 days is amazing!  All with no stress.  The correlation lessons and pronunciation practice has greatly reduced my anxiety to go out and use my Spanish.  I really enjoyed the whole process and thank you for the take away tools.”

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


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

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

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

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

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










Ecuador Medical Tour

Learn all about Ecuador medical services this November from the bottom up.

Learn below about a bottoms up “Get Together with Ecuadorians Seminar”.  Learn about the real Ecuador.  Then see an optional tour on medical care… plus how to pay for your trip with prescription savings.

“Get Together with Ecuadorians” starting November 7 if you want to really learn all about Ecuador.

The Ateam Ecuador.  The Ateam is a group of English speaking mainly Ecuadorian brokers, doctors, dentists, business people, teachers, builders, attorneys, hotel owners, tour guides, taxi drivers, the people in the street who make the country work.

The coordinator of the Ateam Ecuador created the “Get to Know Ecuador Get Together”. This is a great way to get a kick start on knowing the real Ecuador.

This “get-together” starts in Quito, Ecuador,  Thursday and Friday November 7 and 8, 2013.  The “Get Together”  is followed by three optional tours.

In these two days you will hear and meet English speaking Ecuadorians who will speak about living in Ecuador, Ecuador real estate, Ecuador health care, Ecuador law and visas, Ecuador customs regulations for bring in personal goods,  Ecuador business and Ecuador banking and investing.

ec sem

This is followed by an Ecuador Health Care tour:  Meet local doctors and dentists as you learn how to enjoy the benefits of low cost health care in Ecuador.   Find out if you need health insurance.  Learn what health insurance is available at what age and the costs. You’ll get a list of doctors, list of prices on the most common treatments and learn more about Ecuador health tourism.

The Health Care tour:  November 11 & 12 and November 13 & 14.  Meet MDs, dentists and eye doctors.  Have a health check up and complete diagnosis from top doctors in Ecuador.  Get a specific review of where to get the best care and at what price for your personal health requirements. $299.

I will  just attend the two day “Get together” in Quito November 7 and 8, 2013.  Enroll here $699

I will  attend the two day “Get together” in Quito and the Ecuador medical tour.  Enroll here $899.  I  save. $99.

Please indicate which Ecuador Medical tour you will take in the comments section on the order form. Travel Food and Accommodations NOT included.

NEED HELP with the courses and/or tours?  Please call us at our toll FREE number 1-888-482-3850 or email to roberto_ribadeneira@me.com

Two Ecuador Properties for Sale Quito & Otavalo

Here is a paid advertisement for two Ecuador properties for sale in Quito and Otavalo.


Hacienda Bougainvillea is an expansive estate in world-famous Otavalo, Ecuador.

This 8-bedroom, 7-bath property is an excellent investment as a bed and breakfast, weekend get-a-way for family gatherings and special events, or as a full-time executive home.

Located one hour north of the new Marsical Sucre International Airport in Quito, Hacienda Bougainvillea is a 5-minute drive from South America’s world-renowned Otavalo Market, and is within 20 minutes of Cotacachi. The property is surrounded by the tranquil Rio Blanco River and overlooks Mount Imbabura, one of Ecuador’s most spectacular sights.


Complete with a horse barn and stables, immaculate gardens and administrator and service quarters, Hacienda Bougainvillea features a large restaurant-style kitchen fully equipped for serving dozens of guests.

List price for this property is $875,000.

A greater collection of Hacienda Bougainvillea photos can be viewed at www.proecuadormarketing.com

Serious inquiries about this property may be directed to steve@proecuadormarketing.com




Also for sale is this exquisite 2-BR, 2-BA condominium located in one of Quito’s most desireable areas.

Private parking and 24-hour security are added benefits to this, 1,750 square-foot listing. Enjoy the view overlooking the mountains, or take advantage of all there is to offer in the fully custom kitchen complete with restaurant style gas range, refrigerator and microwave.

Listed at $180,00, this condo unit is within minutes of some of Quito’s nicest conveniences and attractions.


Additional photos may be viewed at www.proecuadormarketing.com and inquiries may be sent to steve@proecuadormarketing.com


We DO NOT investigate properties when they are advertised so be sure to complete your due diligence and always use an independent Ecuador attorney who represents you (not the seller) when you buy real estate in Ecuador. Also we want to be sure that you check the claims of the developer/seller and make sure that you are satisfied. We also recommend that you rent before you buy and become familiar with Ecuador.

Learn how to write to sell.

Seven P Secrets of Self Publishing

When you write, you can work anywhere. 


Here I am working poolside in the winter, at our Florida farm.

gary scott

Here I am with our hound Ma, working during the summer at our North Carolina farm.

Learn how to earn everywhere, while living anywhere you choose.  I have been able to earn by writing in Hong Kong, England, the Isle of Man, Dominican Republic and Ecuador to name a few of the place I have lived.  Everywhere I have been… too numerous to share here, I have been able to work.

All I need is my laptop.

That’s all you need too… a laptop to be free!

Before computers, a pencil and pad did the job.

Freedom is just one benefit you can gain from writing.

Another benefit is income.   Writing has brought me both our farms, free and clear… plus a lot more.

Another good example of earning potential is my friend Hugh Howey.   He was working for $10 an hour in a book store when he self published his novel Wool, typing in a storage room during his lunch breaks.

Soon he was earning over $100,000 a month on Amazon.com.  This helped secure a six-figure book deal from Simon & Schuster, and an option for film by Ridley Scott, director of Blade Runner and Alien.

That’s what he’s doing now.

Hugh Howey

Hugh and I playing chess (he beats me badly).

Writers like High are great inspirations.

A couple of years ago Hugh  left Florida, and moved to South Africa.  He had a sailing catamaran built for him and now can sail the world while he continues to write.

Hugh explained it like this: And that’s the miracle of working as a writer: I can do it from anywhere and everywhere. The past few years, I’ve done a lot of writing from airplanes and airports while on business trips abroad.  SAND was entirely written overseas while traveling through seven different countries; I think it’s a better story because of those inspirations.  In upcoming years, I may be writing near your home port.

Hugh’s a super star writer and his success could not happen to a more deserving and talented person.  He pours enormous energy into being worthy of his readership.  But you do not have to be a million dollar a year earner or a traveler to benefit from writing.

The good news is… you do not need a huge success to have a rich and fulfilled lifestyle.  Self Publishing can bring you a life that most people only dream of, as a journeyman writer, instead of a super star.

May I hastily add that the path to stardom begins as a journeyman… so the journeyman’s path brings success without stardom… but can also lead to stardom.

What most success stories like Hugh’s rarely explain is the many hours of writing that was devoted before their self published book sales soared.   Hugh, like most writers were journeymen first.  Stardom came later.

Here are sevens secrets that can help you become a journeyman writer. 

The secrets are a writer’s armory of tools that allows almost anyone to create successful publications for income, freedom and fulfillment.

Take Merri’s and my publishing business as an example.  

Merri and I are not writing stars.  We are journeymen who have for more than 40 years, year in and year out, earned solid income writing and self publishing dozens of publications about multiple subjects.

Some years that income has been more than solid… over a million dollars.  Yet in terms of stardom, we are hardly known.

In a moment you’ll see why that’s fine for us and probably will be for you too.

First some history.

Merri became involved in self publishing over 40 years ago… first helping a veterinarian publish a book on a very specific market… animal acupuncture. Then she showed a needle point artist how to sell more books to an even more specific audience… “needle point enthusiasts”  about her needle point work to an audience larger than the population of the city she lived in.  This led Merri to eventually become Executive Editor of an award winning magazine in Florida.

My story allowed Merri and me to work and live from Hong Kong to London to Europe to Eastern Europe, then the Caribbean and then Ecuador… making millions in the process of following our adventures… having fun… while helping a large readership adapt to a rapidly changing world.

That’s what self publishing can bring, profit, adventure and fulfillment, a great feeling of worth and wonder.

Self Publishing has created exactly the lifestyle we desire allowing us to span the world and work with meaning and purpose.

Self Publishing has become a new business art form. 

The seven secrets can help you start your own self publishing business now.

Everything in publishing is new and exciting and changing.  Publishing is being recreated by the wonderful power of destructive technology.

Everything is new… except the seven secrets. 

Change in the publishing industry is disturbing many.   We love this evolution due to these seven secrets we call the 7Ps.  The 7 Ps are so fundamental to writing and publishing that new technology enhances rather than reduces their power.

The First P is Passion.

Whatever your passion, you can immerse yourself in it AND create income with self publishing.  This can be your direct ticket to the kind of fulfillment you’ve always wanted.

Whether you want to travel the world or live as a recluse, work 12 hours a day or not work much at all,  you can set your schedule to succeed, if you’re willing to learn these seven secrets.

You can start part-time with any dream, passion, and budget.  Once you’ve created a product, you’ll enjoy the “multiple effect” of producing profits over and over again.

So the question is… What do you love to do?

What’s Your Passion:  An example is that thirty years ago, a client of Merri’s had a passion to help people who were in pain?  He published a series of pamphlets explaining various chiropractic disorders in very simple terms.  For example: “What Is Whiplash?”

The pamphlets contained solid information, but were simple 5″ x 7″ brochures with drawings and explanations. He sold them with a rack to chiropractors, who put them in their offices for patients to read.  These little self-published items sold year in and year out for decades.

There are thousands of ideas of this sort that can lead to big business.  It’s just a matter of defining and then acting on your passion.

Although I can work when I please and go where I wish, for me the most important reason for being a publisher is the satisfaction it brings. 

I love the projects I take on, so work doesn’t feel like, well… work.

What do you love?  If you love golf, then you can write and sell publications about golf.  Love travel, fishing, dogs, dolls, or art?  Write and sell publications in these fields.

Are you concerned about crime, war, poverty or environmental issues?  You can publish information products that help reduce these concerns.

Would you like to help the world be a more spiritual place?  Publish a newsletter, write a book (or hire someone to write it for you), record a tape… publish something that enlightens people.

Whatever your passion, you can immerse yourself in it and earn income by publishing for ereaders, print on demand, CDs, lists, bound books, or any format you choose.

Be immersed in your passion and get paid well for it. 

This is why stardom is not the main goal for most writers and self publishers.  Extra income, more freedom and fulfillment are usually more than enough enough.

The seven Ps are:

#1: Passion

#2: Problem

#3: Person

#4: Profitably Priced Product

#5: Prospecting Pathway

#6: Promise

#7: Presentation

The first time I exposed others to the secrets in Self Publishing was in a weekend “Writer’s Camp” seminar.  We offered the camp for $1,500. 80 delegates enrolled.  People from all walks of life attended—chiropractors, businessmen, investors, doctors, realtors, inventors, airline pilots, engineers, and housewives.

Merri and I were so overwhelmed by the response, we decided to make it available to a larger audience.  We created a written course based on our current self publishing activity called “Self Fulfilled – How to be a Self Publisher.”  Then we recorded the weekend “Writer’s Camp” seminar.

Thousands have used the course as it has evolved over the decades.

You can receive both the written course and the recorded weekend seminar, in an MP3 file, in a special “Live Well and Free Anywhere” program I am making available to you.  The normal fee is $299 for the written course and $299 for the recorded workshop.   I’ll send you both the course and the recorded workshop and my course on how to expand the profits of what you write called “Eventful Business” (also $299) all for $299.  You save $598.

We are so confident that you’ll gain from this offer that if you are not fully satisfied, simply email us within 60 days for a full refund .

These courses are not theoretical.  They describe, step-by-step, how Merri and I built a million-dollar international business and how we are running this self publishing business right now.   We use the 7Ps today just as we did four decades ago to create a strong annual income.

This correspondence course is for those who would like their own international self publishing micro business for fun and profit. If you want fun, freedom, extra income and fulfillment with your own full or part time writing or want to build your existing business, by writing to sell you can profit from this course.  The course can help who want their own business or who want to have a business together or a family business.  This is the perfect course for those who can no longer find employment, who are looking for ways to earn abroad and who wish to retire and supplement their income.

Whether you are retired, an investor, chiropractor, doctor, dentist, professional or already own your own business, this offers another way to make money, to turn your passion into profit. We guarantee that we have shared all we know to help you start and run your own international business.  Enjoy and live a life of following your Passion to Profit… through writing.

Here is a special offer. 

Whatever your passion, however you do business, chances are you’ll be writing either to create a product or to sell a product. 

You save more than $598 because you also receive a recorded webinar conducted by our webmaster David Cross (at no extra cost).

David-cross-images tags:"2012-4-20"

David Cross

David has been our webmaster since our website began in the 1990s.  He is Merri’s and my business partner. We could not run our business as we do without him.

Learn the tactics we use in our web business that condenses 27 years of practical experience about search engine optimization, and writing for search engines.

For the last 27 years David has worked with companies large and small – IBM, Agora Publishing, AstraZeneca and many small business owners.  He has worked in 22 countries, and lived in six of them.

David’s clients span the globe and represent companies and charities both large and small.  From corporate giants to small, one-woman businesses and everything from finance, healthcare, publishing, technology, real estate, veterinarians, alternative health centers and everything in between.

David is an essential part of our web based business.

Myles Norin, CEO of Agora, Inc.  wrote:  “I have found David’s knowledge and experience unmatched in the industry.  Without David’s expertise and guidance for the past 7 years, we would not be nearly as successful as we are.”

As Senior Internet Consultant to Agora Inc. in Baltimore, MD, he worked closely with Agora’s publishers and marketers and – over a 7-year period – helped to propel Agora’s online revenues from around $20 million to well over $300 million.

David’s webinar will help you gain benefits in your micro business that large internet marketing companies use.  In this practical recorded workshop you will learn valuable skills to help your micro business.

There has never been a time when the opportunity for small businesses abroad has been so outstanding.  Expand your borders now!  Increase your economic security freedom, independence and success.

If you are not fully satisfied that this offers you enormous value simply email us for a full refund within 60 days.  You can keep all three courses as our thanks for giving our courses a try.

You also receive a report  “How to use Relaxed Concentration to Brainstorm Business Ideas” and a recorded workshop “How to Become and Remain Rich With Relaxed Concentration” at no additional cost.

Plus you get more in the program.

You receive regular writing and self publishing updates for a year.  Businesses usually need to evolve.  Merri and I continue to publish and have our independent businesses.  Some basics have remained for decades, but new strategies occur all the time throughout the year.  We’ll be sending along updates that share our most recent experiences as we learn and continue to grow our international micro business from Smalltown USA.

My special offer to you in this “Live Well and Free Anywhere Program”, is that you receive:

  • “Self Fulfilled – How to Write to Sell” course
  • Video Workshop by our webmaster David Cross,
  • The entire weekend “Writer’s Camp” in MP3,
  • MP3 Workshop “How to Gain Added Success With Relaxed Concentration”
  • The business course “Eventful Business”
  • Any updates to any of the courses, workshops, reports or recordings for a year

We are so confident that you’ll gain from this offer that if you are not fully satisfied, simply email us within the first three months for a full refund. 

Order “Self Fulfilled – How to Publish to Sell” and a full year of update lessons $299.  Click Here.      

See success stories from Self Publishers and a few who have attended the “Writer’s Camp” that you will receive on MP3.




New Quito Airport Hotel Special

See three Ecuador hotel solutions for arrivals at the New Quito Airport.

Tomorrow is the last day to order fresh Ecuador Valentine roses.

christmas roses

Order Ecuador Valentine Roses here.

Around February 20, 2013… the new Quito airport goes into operation.   All Quito flights will automatically shift there.

Numerous locals have sent me a warning… traffic into Quito will be a mess so leave yourself a lot of time getting in, from and back out to the airport.

Ecuador Living has created three solutions for getting to and from the new Quito Airport.


La Marmite

New Quito Airport Solution #1: Stay within 10 minutes of the airport at La Marmite Hotel & Restaurant.   Chef Pierre Mordasini has created a hotel, rental and housing community about 20 miles from Quito  (45 minute drive) and eight minutes from the new airport.

The property is in a Swiss chalet style on over 10 acres of grounds so it is quiet and peaceful.  The chef offers French/Swiss food in his kitchen.

Make reservations at Familia Mordasini marmite@uio.satnet.net

See below how to get a discount at La Marmite as an Ecuador Living Club member.

New Quito  Airport Solution #2:  Avoid Quito at Inn Land of the Sun in Cotacachi.  The new airport is north of Quito and much closer to Cotacachi… so much so that with the traffic difference… the Inn is almost as close in time as Quito hotels.   Meet and greet at the airport by a Cotacachi driver, low cost ($45).  This is an alternative to avoid Quito.  Overnight in Cotacahi and if you have a day enjoy the Crafts Trail:  leather village of Cotacachi,  the Otavalo markets, the weavings of Peguche.


Sunrise at Inn Land of the Sun.

Inn Land of the Sun (formerly Meson de las Flores) is the center of Cotacachi.

The hotel was donated to Land of the Sun Foundation by Gary & Merri Scott, Joe Cox to help promote the economy of Cotacachi and Ecuador and the new name reflects this connection.

All profits from the hotel are used to expand the economy in Ecuador or to provide scholarships to youth in Ecuador.


Inn Land of the Sun courtyard.

There are many pleasures  at Inn Land of the Sun in Cotacachi.

The colonial architecture charms and welcomes you.

Cotacachi hotel El Meson

Other Inn Land of the Sun amenities include:

  • Free broadband internet.
  • Free calls to the USA, Canada and Europe.
  • Free served full breakfast.

Plus a warm, welcoming, caring staff who really do want to look after you.

Cotacachi hotel El Meson

Room rates at Inn Land of the Sun in Cotacachi begin at only $59 (for two) a night (including a wonderful breakfast) plus 22% service and tax.

Enjoy the beauty of Cotacachi. Here is the Cotacachi Cathedral next door to the hotel

Inn Land of the Sun by night.

Cotacachi hotel El Meson

By day.

Cotacachi hotel El Meson

Inn Land of the Sun is Cotacachi’s oldest hotel located in a 180 year old colonial building with open air court yard just off Cotacachi’s main plaza and next to Cotacachi’s largest Cathedral. Here is the hotel.

Cotacachi hotel El Meson de las Flores

Here are some snapshots of the Inn Land of the Sun.

The entrance of the hotel in Cotacachi is 56 steps to a magnificent cathedral and park.

Here’s the park on a misty morn.

Cotacachi hotel El Meson de las Flores

The village is quiet and peaceful and once inside Inn Land of the Sun you feel the flavor of its colonial past….and it is the Leather Village on the Crafts Trail.

Here is one of the renovated rooms.

Cotacachi hotel El Meson de las Flores

Rooms run between $39.99 (single) and $79 a night plus 22% service and tax. This price includes a full served breakfast.

Here is…


a view from Inn Land of the Sun’s…


large suite that features…


king size canopy bed, plus…


sitting room and…


bath and shower, plus…


all hardwood closets and trim and…


balcony dining with a view.

Meet expats at the Inn. Each Friday and Saturday night there is a Cotacachi expat dinner. Expats meet in the fireplace room, enjoy a meal and talk about Ecuador news.

The menu for Friday February 8, 2013,  will Filet Mingon with Puffed Potatoes


Including a glass of white or red wine $5.00 including service and tax.

Or Pizza (vegetarian, beef, chicken or pepperoni) plus desert. $5.00 including service and tax.

The menus for Saturday February 9, 2013 is Pasta with Chicken and Albhaca Sauce


Including a glass of white or red wine.  $5.00 including service and tax.

Or Pizza (vegetarian, beef, chicken or pepperoni) plus desert. $5.00 including service and tax.

Beer $1.50 – Sparkling Mineral Water  $1.00 – Popcorn FREE

Telephone.  (593) 06-2916-009 – Telephone from US 336 – 792 – 4767 – Address: García Moreno 13-67 y sucre.

New Quito airport solution #3: Receive a discount in Quito at Stubel Suites & Café.


If you need to go into Quito, the Quito Stubel Suites & Cafe is located in La Florestra, one of Merri’s and my favorite parts of Quito. This is an excellent residential area filled with charming cafes and  restaurants.  The cafe has a really incredible view.


When we lived in Quito, this was the area where we found to be the most desirable to live.

This hotel  has a cafe with one of the best views in Quito and..


great rooms.


Additional services are
• Jacuzzi
• Desk tables
• Exquisite beds
• Bathtubs/luxury bathrooms
• Reception  24 horas
• Sofas
• Bilingual Personnel
• Left Baggage Arrangements
• Free Internet
• Business Center
• Sauna & Massage Room
• Gymnasium

• Meeting Room

The hotel has  25 rooms, including 7 suites, 4 of the suites have the valley view.

Deluxe Single
$115 Regular Rate
$55  Special rate for Ecuador Living Readers

Deluxe Doubles
$65  Special rate for Ecuador Living Readers

Premium Single
$130 Regular Rate
$60  Special rate for Ecuador Living Readers

Premium Double
$140 Regular Rate
$70  Special rate for Ecuador Living Readers

Suite Single
$155  Regular Rate
$80  Special rate for Ecuador Living Readers

Suite Double
$165  Regular Rate
$90   Special rate for Ecuador Living Readers

Ecuador Living Club members receive a discount of almost 50%. (rates do not include 22% Ecuadorian tax).

See how to enroll as a club member here.

Writers’ Camp… write to sell.

Positive Community Magazine Training. Turn $499 into $142,020.

Super Learning + Spanish. Learn Spanish in Three Days.

See our new all in one March Mt. Dora one week Super Learning Series.

Micro Business in Chocolate

Here are ideas about micro businesses in Chocolate provided by our Super Thinking + Spanish teacher, Glenn Sterling.

The Chocolate Tour

We were on an Ecuador export tour in Quito, Ecuador.

We came, we saw, we ate.

I liked it.


One of our visits was to Kallari, Republic de Cacao a shop with many Chocolate products.


The menu at Kallari has a lot of chocolate.

There are people on the planet who don’t like chocolate.  I’ve met them, but they’re rare.  More commonly, there’s a shuffle, a queue, a line up, a wait because most of us love chocolate.  It contains the “love drug” – the chemical released when we are in love – so it’s popular and elevates our mood.

What started out as an import/export tour in Ecuador grew – some days later into an Amazon tour – including chocolate.  My mood was rising.


We rode the Napo River.  We were in the Ecuadorian Amazon where cocoa is grown.

There are various percentages of cacao content in chocolate.  Percentages varies from 10% cocoa up to 100% [usually 99%].  85% is usually the greatest percentage used for eating.  After 85% the bitterness of the chocolate is too great.   Bitter chocolate may still be used for baking however – up to 100%.

Great Chocolate is Created, not Born.

What makes a great chocolate?   Chocolate is made with two of the three magic ingredients – sugar and fat and of course chocolate.  But where does the chocolate come from?  From packages of course!   One’s mind rarely delves beyond the package.  But there is a life before the package that goes something like this:

Chocolate begins its life in a pod/husk full of seeds.  These seeds become the beans.  The raw seeds themselves are slimy although tasty (lemony sweet) but this alone doesn’t create chocolate.  While the majority of the world’s seeds/beans originate in Africa, the quality product often originates in countries such as Ecuador  (which in Spanish means Equator) and they then make their way worldwide.  Cocoa beans grow only within 20 degrees north or south of the Equator.

The process of making Chocolate is something like this:

Cocoa is grown and the cocoa bean is harvested.  It grows as a seed in pods/husks.  The harvest occurs most of the year (often 11 of 12 months) making for a very long ‘season.’
The beans or seeds from inside the husk are fermented for 2-8 days.  The husk is thrown away.  Fermentation changes the sugars in the beans to an acid, activates the enzymes in them to improve the color and flavor and increases their temperature to around 125 degrees F/51-52 degrees C.

The fermented beans are dried to prevent molding.

The dried cocoa beans (they were seeds) are bagged, labelled and when needed, ground after roasting.

The ground cocoa may be used as a powder or further may be processed into cocoa liquor, cocoa butter or cocoa fat.

The powder and/or the cocoa liquor/fat is mixed with sugar and other ingredients (like vanilla or milk for milk chocolate) in the correct ratios.

The resulting liquid is molded into bars, Easter bunnies, Santa Claus et al, balls, truffles or other forms and is packaged accordingly.


Chocolate can be made into a butter or a fat/liquor (all similar).  This liquor has no alcohol although you can also obtain Creme de Cacao which is a liqueur containing chocolate.

You purchase the package not realizing the cocoa has traversed the globe and many steps have finally resulted in your purchase.  Cheaper quality chocolate companies often fill their product with inexpensive edible waxes and disguise their flavor with sugar/sweeteners and flavorings whereas expensive chocolate is often organic, its fermentation, drying, storage, shipping, roasting, grinding and mixing with other ingredients, remaining a closely guarded secret.  Your final price is often determined by these factors.

The end result of of chocolate manufacturing can be this expression:


My tip is to pay a bit more and receive the better quality product.


Turn your passion into profit

There are many ways to turn your passion into profit… but always try to make your choice one that is unique and suited to you.

Take Chocolate for example. Don’t just import chocolate bars.  There is way too much competition. Chocolate is a commodity and the only way to compete with a commodity is by lowering price. This destroys margins and the key to a financially successful micro business is a good margin.   This means that  a non unique commodity business is likely to be marginal.

If one plans to sell chocolate… make it unique in some way… so it attracts a premium.

Reader Craig McCarty  sent a December 26, 2011 article at the Speculaist website (see a link to the entire article below) entitled ” In the Future Everything Will Be A Coffee Shop” by Stephen Gordon that says (bolds are mine):  Universities Will Become Coffee Shops

We’re faced with an education bubble. Tuition and other costs associated with a college education have been outpacing inflation for decades. It’s a trend that simply cannot continue. It has continued, so far, because the demand for education has proven to be somewhat inelastic. If you want a good job (the thinking went) there really wasn’t much of a choice. You went and you paid whatever price they put in front of you.

But what’s the advantage of a good job if the salary difference between that job and a non-college-level job is lost servicing student debt? It’s a reasonable question that has become more pressing as the amount of student debt required to get an education has risen.

At the same time several universities with world renown branding have begun offering online courses for free. MIT has been the pioneering institution in this. They were first to make practically all classes available online. Now they are beginning to offer some level of credential for completion of online courses through a new program they’re calling MITx.

Imagine a personnel manager at a mid-sized industrial corporation in Kansas who’s looking for a candidate with a particular set of knowledge. There are two candidates: one from the local state school with an appropriate college degree, a second with relevant MITx certificates of completion.

Let’s say all other things between the candidates are equal. Which should be chosen? It’s true that an online education is not the same as the college experience. The candidate who went to college probably enjoyed his experience more, but how much is that experience worth to a potential employer? Unless he’s a member of the same fraternity, probably not as much as the college candidate would hope.

And here’s the reality: the student debt of the college candidate controls, to some extent, his salary requirements. Since the MITx candidate appears to have the knowledge required, and has no student debt, he probably can be hired cheaper.  There is a tendency to go with the college candidate because: “that’s the way its always been done.” But cheaper ultimately wins. Repeat that story a million times over the next few years and you begin to see how the local colleges – which already are overcharging for their product – begin to suffer in favor of free programs like MITx.

Eventually you could have local campuses becoming places where MITx students seek tutoring, network, and socialize – reclaiming some of the college experience they’d otherwise have lost.

Phil thought this sounded like college as a giant coffee shop. I agree. Every education would be ad hoc. It would be student-directed toward the job market she’s aiming for.

This trend toward… coffeeshopification… is changing more than just colleges:

Book Stores Will Shrink to Coffee Shops

Ebooks are coming of age – for many reasons. You can keep your library in your pocket. You can annotate and share your thoughts within social networks. Writers can publish more directly to their audience. Once completed, the unit cost of each ebook sold is essentially $0. Those savings can (and sometimes are) passed on to the customer. Also, an ebook doesn’t have to be limited to the written word. An ebook can incorporate video, audio and other methods of presentation. Your book store is always with you and has every book ready to sell. Nothing ever goes out of print because there are no print runs.

Compare that with your local Barnes and Nobel. Those stores are huge but can accommodate only a small fraction of the titles available in the Kindle store. They require expensive real estate, buildings, and employees.

If you don’t like reading from an ereader, there are new on-demand printing options like the Espresso Book Machine that can print a book within minutes.

Between ebooks and print-on-demand, Barnes and Nobel sized stores shrink down to just their coffee shops – or maybe Starbucks takes over their business. Either way, customers keep the experience of reading with coffee and those big comfortable chairs.

The Coffee Shop Will Displace Most Retail Shops

My Christmas shopping this year was 90% through Amazon Prime. Not having to fight the crowds and having it delivered free of charge to my home is a big plus, but as with the Kindle store, the online retail selection is much better that even the largest retail outlet.

Which is more enjoyable: Starbucks or Walmart?  For the sane: Starbucks.  So if you can accomplish your Walmart shopping at Starbucks, why do it any other way?
Also, imagine the 3D print shop of the future. You put in your order, probably from your smart phone, and then go pick it up. What does the lobby of such a business look like?  Again: a coffee shop.

Offices Become Coffee Shops… Again

We’re going back to the future: the modern office was birthed in 17th century coffee shops. Steven Johnson has argued that coffee fueled the enlightenment. It was certainly a more enlightening beverage than the previous choice of alcohol.

The need for offices grew as the equipment for mental work was developed starting in the late 19th centuries. That need appears to have peaked about 1980.

It was a rare person who could afford the computers, printers, fax machines, and mailing/shipping equipment of that time.

Now a single person with $500 can duplicate most of those functions with a single laptop computer.  So the remaining function of the office is to be that place that clients know to find you… and that kids and the other distractions of home can’t.

I have long believed in this concept and wrote back in the early 2000s:

There is a Micro Business Magic in Trends

We can get clues about investing trends and business trends by watching what everyone reads. Best selling book lists are like a window into a nation’s soul. This is why two authors who have had special, phenomenal success in recent years can lead us to greater investing and business returns. In fact the clues you will read from these authors is so powerful you could say they are like magic.

mountain cafe

See why we created out own mountain cafe atmosphere so we could get small groups of readers together to discuss writing, publishing and micro business philosophy.

One of the fundamental rules you can use to spot trends is that people always want what they have lost and no longer have.

Once the building trade had perfected clean, low cost efficient central heating, the trend that everyone wanted a fireplace began. Is it smoke and ashes and the labor involved in building a fire that mankind misses? Probably not. Perhaps instead they lost romance.

Once America created a smooth highway system so anyone can drive anywhere without hardship or bumps, four wheel drive off road SUVs became the most popular form of transportation. Did we long for the sweat of replacing blown out tires ruined by potholes?

I doubt it. But I’ll buy that we had lost the our sense of adventure.

Get the drift? 

The growing trend is for the purchase of immaterial goods, such as sports, entertainment, health, communication and spirituality. Togetherness is a key motivator for emotional fulfillment. Many wealthy consumers have learned that just acquiring stuff is not enough. More and more things don’t satisfy much or for long. At some point our material excesses turn into junk, worthless burdens that cost us to store, clean and insure. Successful companies in the future will learn to attach symbols of love and togetherness to their products and services.

There will be a growing business in ties that bond people together.

Coffee houses and similar places of gathering will continue to boom. Clubs will grow. Restaurants which offer a place for people to be together will thrive.

Read more about Cafe Philos

Join us for our Writer’s Camp and deep woods cafe.   We’ll even show how to use chocolate to write better.


Read “In the Future Everything Will Be A Coffee Shop”

Quito Ecuador Real Estate for Sale

Quito Ecuador Real estate for Sale:

Golf in Ecuador is not easily available so all of you golfers will be very interested in this gated community house with golfing.

This two bedroom, two bathroom house is located  in Los Chillos Valley a suburb of Quito, Ecuador, 30 Minutes from the city center.


The property which is located in Valle de los Chillos, in La Merced village, includes the main house and a caretaker’s cottage. It is surrounded by trees and flowers all year. It has a fireplace-oven in the living-dining area, a fireplace in the master bedroom, breath taking views of the mountains.

Membership at a nearby country club allow guests to golf. 
A path built within the property to reach the river or just to stroll, a terrace, an outdoor Jacuzzi, and a barbecue area.

The river at the base of the property is lined with 150 foot tall giant eucalyptus trees and makes a lovely spot for a picnic.  A caretaker currently lives in the small cottage, providing 24 hour security as well as his assistance in any way.   There is a water supply cistern and city of Quito water, electricity, garbage collection and telephone service.

First Floor


An ample sitting area with exit and view to the garden and mountains, integrates to the dining and kitchen areas. There is a very cozy fireplace-oven that gives a warm, seductive atmosphere.


The kitchen is equipped with modern appliances & an island with 4 stools and a good size pantry.


The second bedroom has two bunk beds, ample storage space and window views to the garden. A good size bathroom with a shower complements this bedroom.

Second Floor


Glass double doors lead to the terrace from which you see 350 degrees of spectacular mountain view. This level includes an wide open master suite with sitting area in front of the cozy fireplace and a balcony. 

The windows have spectacular views of the mountains and gardens as well. The tastefully decorated master bathroom has an antique soaking tub, and his and hers sinks.

This is a fully fenced property, 9000 meters (90,000 square feet) in total.

The property features outdoor Jacuzzi, river on property.

The seller is asking $199,000.

For details contact Maria Garcia at mtgarciasosa@gmail.com

There are limited golf facilities in Ecuador.


Ecuador is not a great golfing destination as there are only a handful of private clubs near Quito, Guayaquil, or Cuenca, with 18-hole courses.

These limited opportunities for playing golf in Ecuador however do include some excellent golf courses. 

This house is near one of the best, The Los Chillos Golf Club.

Los Chillos Golf Club is outside Quito and is one of the more exclusive clubs.

Club Los Chillos was founded in 1979 and offers a par 72 with a course rating of 34.5.  The club is about 20 miles from Quito with 11 lakes, a driving range and mountain and forest scenery.  The golf course is almost 8,000 feet above sea level and  has good weather and spectacular views.  This golf club has clay tennis courts, racket facilities, squash courts, soccer fields, volley ball facilities, swimming pools and horse riding.  There is also a  sauna, hairdressing salon, cafeteria, bar and Turkish bath.  People with babies are welcome.

Colonial Quito view apartment for rent or for sale.

Learn how to place Ecuador rental advertising

Learn how to place Ecuador real estate for sale ads


This penthouse, is at San Juan (Centro Historico), Galpagos and Garcia Moreno, just above the Basilica.

The building has 4 floors and was built in 1986. This Quito apartment penthouse has…


views all around day and night.

The size is 140 square meters (1507 square feet).

The interior decor is Swiss.

On the first level you have: a big living room, a chimney, a kitchen and a place to put your washing and dryer machines. Also 1 master bedroom with a bathroom, dresser and two closets, plus a balcony and interior plants.

On the second level there is space for a small library or study.

This Colonial Quito penthouse also has:

* Phone line
* Cable TV
* Storage room

The building has full security and two parking spaces for the penthouse. The neighborhood is quiet, not much traffic and is secure.


colonial charm.

The monthly maintenance fee is just $18.00.

The asking price for sale is USD $170.000.
The asking price for renting is USD $800.00.

See more details here.

Upcoming project near the new Quito Airport offering potential for businesses developing real estate.

quito airport real estate

One of our good Ecuador contacts sent us this note. Gary, a friend of mine is building a neat complex by the new airport, he already has a few buildings and a restaurant with two Chalets plus a Pesebrera (for horses). He is working on making this a Hosteria with more buildings and a Swiss style to it. The place is really big and he will be selling houses there. The place is really beautiful and he plans on building many things there.

Views… space and… many buildings are…

quito airport real estate

already up plus a hosteria with many facilities inside and out.

See more photos and details here

Golf in Ecuador

Golf in Ecuador is not easily available so all of you golfers will be very interested in this gated community house with golfing.

This two bedroom, two bathroom house is located  in Los Chillos Valley a suburb of Quito, Ecuador, 30 Minutes from the city center.


The property which is located in Valle de los Chillos, in La Merced village, includes the main house and a caretaker’s cottage. It is surrounded by trees and flowers all year. It has a fireplace-oven in the living-dining area, a fireplace in the master bedroom, breath taking views of the mountains.

Membership at a nearby country club allow guests to golf. 
A path built within the property to reach the river or just to stroll, a terrace, an outdoor Jacuzzi, and a barbecue area.

The river at the base of the property is lined with 150 foot tall giant eucalyptus trees and makes a lovely spot for a picnic.  A caretaker currently lives in the small cottage, providing 24 hour security as well as his assistance in any way.   There is a water supply cistern and city of Quito water, electricity, garbage collection and telephone service.

First Floor


An ample sitting area with exit and view to the garden and mountains, integrates to the dining and kitchen areas. There is a very cozy fireplace-oven that gives a warm, seductive atmosphere.


The kitchen is equipped with modern appliances & an island with 4 stools and a good size pantry.


The second bedroom has two bunk beds, ample storage space and window views to the garden. A good size bathroom with a shower complements this bedroom.

Second Floor


Glass double doors lead to the terrace from which you see 350 degrees of spectacular mountain view. This level includes an wide open master suite with sitting area in front of the cozy fireplace and a balcony. 

The windows have spectacular views of the mountains and gardens as well. The tastefully decorated master bathroom has an antique soaking tub, and his and hers sinks.

This is a fully fenced property, 9000 meters (90,000 square feet) in total.

The property features outdoor Jacuzzi, river on property.

The seller is asking $199,000.

For details contact Maria Garcia at mtgarciasosa@gmail.com

There are limited golf facilities in Ecuador.


Ecuador is not a great golfing destination as there are only a handful of private clubs near Quito, Guayaquil, or Cuenca, with 18-hole courses.

These limited opportunities for playing golf in Ecuador however do include some excellent golf courses.  This house is near one of the best, The Los Chillos Golf Club.

Los Chillos Golf Club is outside Quito and is one of the more exclusive clubs.

Club Los Chillos was founded in 1979 and offers a par 72 with a course rating of 34.5.  The club is about 20 miles from Quito with 11 lakes, a driving range and mountain and forest scenery.  The golf course is almost 8,000 feet above sea level and  has good weather and spectacular views.  This golf club has clay tennis courts, racket facilities, squash courts, soccer fields, volley ball facilities, swimming pools and horse riding.  There is also a  sauna, hairdressing salon, cafeteria, bar and Turkish bath.  People with babies are welcome.



Quito Penthouse Opportunity

See how Latin America’s growing importance makes this Colonial Quito Penthouse Opportunity special now.


This penthouse is at San Juan (Centro Historico), Galapagos and Garcia Moreno, just above the Basilica.

The key to prospering in times of change is to get ahead of the new path of progress and Latin America is growing in world importance.

This excerpt from the September 24, 2011 Economist article entitledCanning’s ghost – The government is newly enamoured of Latin Americashows why:  AS IT slips down the league table of world power, it has become customary in recent years for Britain to close diplomatic outposts. So it bucks the trend that next spring the British embassy in El Salvador will reopen after an interval of nine years. Around the same time, a new consulate will open in Recife, serving Brazil’s fast developing north-east. And up to ten extra diplomats will be assigned to embassies in the capitals of some of the bigger Latin American countries. “Britain’s retreat from the region is over,” William Hague, the foreign secretary, declared in a lecture last year that signalled the new policy.

This is part of a broader effort by the coalition government to pay more attention to fast-growing emerging economies.

In the case of Latin America, Britain has been there before. George Canning, foreign secretary in the 1820s, exaggerated when he boasted “I have called the New World into existence, to redress the balance of the Old”. But Britain did play an important role in Latin America’s independence struggles, only to ignore the region for much of the 20th century—so much so that Argentina’s invasion of the Falkland Islands in 1982 came as a surprise.

After a decade of fast growth, Latin America now accounts for almost 9% of the world economy. But it is the destination for only 1.5% of British exports (down from two-fifths in 1808). And Britain supplies only 1% of the region’s imports.

The past year has seen a flurry of ministerial visits to Latin America.

This site focuses on ways of helping beat stagflation by moving to a lifestyle of lower cost living such as Ecuador… plus investing in high value and emerging countries and… high value real estate.

This is why Quito real estate makes extra sense.  Quito is the capital city of the country that is in the center of the Americas.

Imagine owning a penthouse like this in Washington DC or Paris or London.  The cost would be astronomical… yet here in this zone of expansion and growth prices are still at pennies on the dollar level.

Prices remain low compared to other capitals as this Quito penthouse shows.

The building has 4 floors and was built in 1986. This Quito apartment penthouse has…


views all around…


day and night.


The size is 140 square meters (1507 square feet).

The interior decor is Swiss.


On the first level you have: a big living room, a chimney, a kitchen and a place to put your washing and dryer machines. Also 1 master bedroom with a bathroom, dresser and two closets, plus a balcony and interior plants.

On the second level there is space for a small library or study.


This Colonial Quito penthouse also has:

* Phone line
* Cable TV
* Storage room

The building has full security and two parking spaces for the penthouse. The neighborhood is quiet, not much traffic and is secure.


The property has been renovated to reflect…




history and…


colonial charm.

The monthly maintenance fee is just $18.

The asking price for sale is USD $170.000.
The asking price for renting is USD $800.


We DO NOT investigate properties when they are advertised so be sure to complete your due diligence and always use an independent Ecuador attorney who represents you (not the seller) when you buy real estate in Ecuador. We also recommend that you rent before you buy and become familiar with Ecuador.

The Ecuador Living Club has a list of Ecuador attorneys who have helped subscribers to our Ecuador Living Club.

See how to get an Ecuador Living Club password here.

Learn how to place Ecuador rental advertising

Learn how to place Ecuador real estate for sale ads

Read the Economist article  Canning’s ghost – The government is newly enamoured of Latin America

Mindo Ecuador Cloud Forest Opportunity

There is a Mindo cloud forest opportunity for the next .

Merri’s and my Hacienda Rosaspamba is 962 exquisite acres of Ecuador cloud forest near Mindo.

Our home is really remote…down that trail to this point.


We love this land because we can grow everything… from blackberries to grapefruit!

This is why I am happy to send this advertisement and a special offer for the next phase of the Aboretto cloud forest gated community near our Ecuador hacienda from Swen Lorenz who writes:.

A first-come opportunity limited to just 5 readers

The insider story set in one of Ecuador’s “secret” tourism locations,
on the brink of being discovered.

Become the neighbor (quite literally) of an international investment expert who bets his own money that Ecuador will be the next investment red hot destination ….

… and get in at a $3,500 discount (first come first served).

“Until November 15th 2010, an unbelievable 100% refund offer applies if you are not delighted with your purchase (visit by 15 Feb 2011).”


–    The project is located in a National Park that is “one of the best kept secrets in Ecuador” (Travel Monthly).


–    Managed by a developer who has a proven track record for quality.

–    The homes are approved by a US construction expert with 25 years of hands-on experience, and are built to international standards.

Dear Reader,

My name is Swen Lorenz, I am an international investor and author of two investment books. I have been writing about international investing since 2004, with published articles in more than 40 publications in 7 countries. Some of you might have come across my investment blog, www.undervalued-shares.com.

On the surface of it you would probably expect me to live in New York, London, or Hong Kong – or some other major financial capital where banks, hedge funds and investment firms keep their headquarters.

Indeed, I have lived in two of these major capitals and set up a successful fund management company in the third one. Besides that, I have spent my life traveling extensively and have been lucky enough to tick many of the world’s best-known tourist destinations off my list. The Ginza district of Tokyo, the Victoria Falls in Zambia and the amazing landscapes of Patagonia – been there, done that.

Yet, despite all the glitzy destinations that I have often frequented, I’ve lost my heart to a small country in Latin America.  Ecuador.

It’s a place that most people would have a hard time finding on a map. Certainly, this isn’t the country that your average investor would look at. Too remote, too small, and not enough available information. And how would one possibly find local people that you know you can trust to do a good job for you?

These perceptions are going to change over the coming years, driven by developments such as the new international airport in Quito, the unstoppable growth of eco tourism, and the growing affluence among Ecuador’s 12 million people. Ecuador is gradually becoming a credible and attractive place to do business in. As a matter of fact, a friend of a friend has just now started to build a new $10m hotel in Ecuador. He is so confident about Ecuador’s prospects that he is literally betting the farm on it.

The difference between how the country is still perceived by most and what I experience on the ground, couldn’t be any bigger. E.g., the outside world still believes that Ecuador is a risky country to even set foot in (let alone invest in!). Yes, there is the occasional wobbly moment, such as the recent police riot when President Correa dared to cut the pay of over-paid public servants. Yet, these instances are simply a part of a country maturing and the foreign press makes it look like a much bigger deal than it really is – the whole thing was over within a day. I have more than 15 years of experience of investing into emerging markets, and Ecuador is a safer bet than most countries that are peddled by the mainstream investment media. Gary also recently wrote an interesting piece why now is the time to buy in Ecuador.

There are many factors that make Ecuador an interesting investment location to investigate. I have invested quite heavily into the country already, but unusually, I’ve also made this particular investment area my home.

You are probably wondering how this all came about?

What took me to Ecuador?

A few years ago, I came here on holiday. And instead of lazing away on the beach, I ended up starting a school project over here. We entrepreneurs just never stop thinking!

The school was a charity project that since then has helped dozens of Ecuadorian youngsters to improve their job qualifications. We have even had a visit from the UK’s BBC TV. The education arm of the United Nations once sent a representative to inspect the school and they called it “the best such program (they have seen) in Latin America.”

Initially, because of the school project, I came back over and over again.

Every time I came back, I grew to love it more. Now I am essentially ready to not even leave anymore. I have so many friends over here, that the country truly feels like home (and that’s despite me still not being properly fluent in Spanish because it’s so easy to get through with “Spanglish”).

Having traveled the globe, I’ve found Ecuador to be one of the world’s best places to settle in. The people are amazing and quite different from other countries in Latin America (they are the friendliest I have encountered in any country). Prices for day-to-day living are low. That’s on top of the fact that real estate offers great value. And it took me just 21 minutes to get the application for my residency papers done – so Ecuador makes for an easy transition, too.

The strange thing is that few people would have even heard of Ecuador – unlike Costa Rica, Belize or Croatia – countries that were also once considered too remote and too ‘exotic’ (or risky). However property prices in these places soon spiraled upwards because of American and European investors moving in. It’s for that very reason that you can still invest in Ecuador right now for a price that is just so much more attractive than investing elsewhere.

So if you have ever wondered if it’s worth owning a piece of land in Ecuador, then keep reading. Here you’ll get the insider’s view of someone who has actually done it, using his own money, and who is savoring living the life of an expat in Ecuador. Welcome to my life.

Why you, too, should consider Ecuador

It’s a fact that Ecuador is one of the world’s most biologically diverse countries. Personally, it makes little difference to me whether a country has 100 or 1,000 different species of butterflies, birds or orchids. There is a point where you can have biodiversity coming out of your ears.

But what I do appreciate about Ecuador is:

–    Clean fresh air, with lots of birds, wildlife, and green spaces all around.

–    High standard of local and international cuisine and tasty, nutritious and diverse fruits and vegetables galore. A feast to the eye and palate, and eating healthily extends your life, too.

–    Owning a bit of land that makes you feel you have a small bit of paradise to yourself, and to do so at a price that by American or European standards is cheap.

–    The opportunity to learn a new language by simply going about everyday life and picking it up (and one day I definitely WILL be fluent!).

–    The chance to make friends from all over the world.

–    Extremely cheap labor, e.g. having a maid for $300 a month.

–    A place to set up a new business without being dragged down by silly, out-of-control regulation (and a community within the property development who can provide all manner of helpful tips – including those you can get from myself)

–    The option to build a house just how you like it, i.e. lots of useful features that blend in with the environment, but without bureaucrats telling how you have to do it.

–    Making an investment that is so attractively priced to begin with, that its value can literally only go up.

–    And the list goes on and on and on….

You know about Ecuador already, and you are looking for a specific opportunity to make an investment and (potentially) create a new life for yourself.

And this is usually, where the difficulty starts.

The stuff that glossy brochures do not tell you about

I don’t even want to imagine how many foreigners (Americans, Europeans, Australians, etc) have come to Ecuador (and other places), put down money for a piece of land or even a house – and ended up utterly disappointed, with their dreams in shatters and their money partially or completely lost.

It must not be forgotten that Ecuador is also a developing country, a place where you need to know your way around or else you’ll end up in the hands of shady operators. I know, because I have seen it happening.

As a matter of fact, in some way I have even been affected by it myself. Not because someone did a runner with my money. But the developers that I hired to build my own house ended up running into liquidity problems when the banking crisis hit.

I set up my first business when I was 15 and have never been employed in my entire life, which is why I know that too much success can also kill a company. Over-expansion at too early a stage is a killer for thousands of young ventures every year. Stretch yourself too thin, and as soon as some unexpected external event happens, you end up finding yourself in hot water financially.

There I was, having chosen a developer who:

–    Delivered the architectural plans on time and just as I had wanted them (I only had to do very minor tweaks).

–    Finished construction on time and 10% below the budgeted costs (I got money back at the end – unheard of!).

–    Created a house for me that during the first one and a half years of using it, has had only very minor problems that all got fixed as soon as I pointed them out.

And still, I had to watch this developer run into deep financial problems. These were the people that I had wanted to hire for my future real estate investments in Ecuador, and instead they faced going bust.

Luckily, in every problem also lies an opportunity.

Instead of hiring the developer for future projects, I simply bought out one of the partners, injected the necessary cash myself, and instigated a restructuring aimed at putting the company back on the road – with a view to eventually making it bigger and better than ever before, and with the ambition to turn it into the best eco home developer in all of Ecuador.

It’s because of me having stepped in to save this high quality, but cash-strapped developer from the brink, that I can today offer you an extraordinary opportunity. It’s one that I guarantee will not be repeated once the first 5 investors have signed up.

Read on if you want to find out how to be one of those 5 insider early birds.

Buy at a price from where it can virtually only go up

There are a couple of fundamental truths that I believe in when it comes to investing.

One is, that pristine nature will only ever get scarcer on this planet (therefore prices can only go up).

Secondly, tourism is the world’s largest industry and it will only keep growing. Make sure that your property investments benefit from tourism! And tying in with my first point, ideally invest into property that benefits from eco tourism. The World Tourism Organization estimates that ‘nature tourism’ is growing at 10-30 per cent growth per year. That’s much faster than any other part of the global tourism industry.

Combine increasing scarcity and increasing demand, and you get:

–    Rising capital values.

–    Great rental potential.

–    Joy of ownership (it comes thrown in as a bonus).

That’s why I took notice when I was first told some details about this particular area. It was an eye opener. Here was a place that was just destined to take off as a tourism destination.  On top of that, this particular development is set within a national park!

As the San Jose Mercury News put it into their 2 May 2010 edition:

“Mindo is an easy-access epicenter of biodiversity in northwestern Ecuador teeming with hundreds of orchid and bird species, all framed by spectacular Andean scenery in a cool, temperate climate. …. Mindo is well-known in birder circles.“

Once you look at it in detail, the Mindo opportunity immediately makes sense. This is a project that will appeal to a large audience, not just to the bird watchers who were the original pioneering tourists in this area.

–    The right mix of being remote enough to be a real get-away-from-it-all, while still being easy to access. From Quito it is only a 50-mile drive on a high quality road, with restaurants and shops along the way.


Map of Mindo and its surrounding areas.

–    Set within the Mindo-Nambillo Forest Reserve, a visually stunning protected area that has been featured on the Discovery Channel.

–    A fast growing local tourism sector. To speak of this place growing by leaps and bounds is no pipe dream, it’s already happening. That includes both Ecuadorian tourists and international visitors.

–    The number of activities available to you locally is increasing rapidly. Bird watching is what Mindo first became famous for, but it’s now becoming an eco and adventure holiday haven, with clean rivers to swim in, fresh food in restaurants where you can watch hummingbirds from your table, trails for hiking and trekking, rivers for tubing, and countryside lanes for biking. You can go horseback riding, treat yourself to some time in a Spa, visit butterfly farms, enjoy fresh trout in hosterias or go for walks to study flora such as orchids. You can also volunteer and participate in the local community; for example, one of the residents of Arboretto teaches English in the local school. Families, retirees, adventurers, writers looking for a quiet place, and anyone looking for a better lifestyle – Mindo suits many needs.

–    It’s a tucked away location that offers the opportunity to own a piece of land and build a house in a place that is quite simply a little bit like paradise on earth.

Set within this gem of an area, it is a project that is probably best described by simply showing you a couple of photos:


Arboretto Reserve Valley

And this one…


San Antonio River

And another one….


Mindo is one of the leading bird areas in the world.

Can you already picture yourself here?


This is a valley that has its own small stream running through it. To the back, there is the nature reserve (= off limits for development) of an award winning eco lodge. To the side, there is 5 km (3.5 miles) stream, the San Antonio River, which is born from the junction of several underground sources within the nature reserve (no industrial farming or agriculture to pollute its waters).  It’s a 15-minute drive from the town of Mindo, the small but growing hub for tourism in the Mindo area.

Mindo withstands a thorough investigation of the usual key facts:

–    The benign climate is virtually the same year-round; a comfortable range of 60ºF – 75ºF (15ºC – 24ºC )

–    You don’t have to fear nasty stuff like malaria. It doesn’t exist in this area because of Mindo’s altitude, which does not allow Malaria-transmitting mosquitoes to thrive.

–    There are local doctors, and for anything more serious you can easily get to first world medical services in Quito (at third world prices).

–    The authors of the Ecuador.com website put it like this: “The village of Mindo has a fairly large population and a well-developed infrastructure, including electricity, drinking water, sewerage, telephone lines and a small health center. It is a great place to spend time whilst exploring the surrounding cloud forest.”

–    Mindo offers you the chance to be creative when it comes to living your life, e.g. you could volunteer at a local school, start a workout program to get really fit, or simply pursue your hobbies while not spending more than $5 on a lunch in a local restaurant (and for $20 you can eat in a top class hotel restaurant).

Nestled in this valley is a high quality unpaved road that offers access to a total of 36 lots. The project was from the very beginning planned as a high-end eco haven, a place where foreign investors can purchase a piece of land and have a local developer take care of …

–    Maintenance of land (for those who like to own it as an investment and a potential retreat for later).

–    The construction of houses (for those who want to strike while the iron’s hot).

–    The local management of the entire project (to make sure everything remains in order for the community of owners).

When I first visited, this project was already well beyond the mere planning stage. With a road there, the construction of the first model house well underway, and meticulous planning for the all the various details drawn up, it seemed like nothing could potentially stop this project.

Nothing, except for the collapse of Lehman Brothers and the biggest banking and credit crisis of living memory!

That’s the one thing that no one had seen coming.

In early 2009, the too fast expansion caught up with this particular property developer. Work in the project slowed down, and the company needed a restructuring of its funding sources. And that’s exactly the kind of work that I like to do.

Fund raising, structuring corporate transactions and helping with turnarounds is just my area of expertise for the last decade.

E.g., back in 2008, I helped restructure a failed consumer goods company in a developing country that had also expanded too fast and ran into liquidity problems. Under my stewardship, the company reduced staff by more than 50% and cut away a lot of slack. Today, the operation is not only 4 times bigger than it was before it got into trouble, but is now on a firm footing too.

This project in Mindo simply deserved to get a fresh start, which is why I decided to step in. I simply bought into the company so as to help make things happen.

Introducing a company that is now fully equipped to help foreign investors to realize their dream

ADVENTO S.A. is the property developer behind the Mindo project. Compared to other restructuring cases that I have been involved with, ADVENTO was actually a fairly simple case. All the papers and accounts were in pristine condition. The plans for the projects were top notch. And the day-to-day management team is led by the best manager that I could possibly imagine for a company like this (more about him later). The primary issue was a lack of liquidity during the banking crisis. Demand from investors had dried up just as much as the availability of funding had also became extremely restricted. This required putting fresh capital into the company and paying off some loans and debts.

Today, newly positioned ADVENTO is in perfect shape:

–    The company does not owe any money to suppliers, clients or other outsiders. A lot of financially instable fly-by-night real estate operators faltered during the crisis. We are a solid partner, full stop.

–    I have reviewed all the plans and projects, and what little tweaking there had to be done to get the projects up to scratch, has been done.

–    We have an experienced, US based construction expert on board who advises ADVENTO using his decades worth of insights into construction.

With all this being in order, I am now more than happy to stick my neck out and personally throw my weight and name behind the Mindo project.

Here is how it will work…

Not just a piece of land, but a package for a new life (and a good investment thrown in for good measure)

We have polished the “Mindo Arboretto” project (Arboretto comes from the word “Arboretum”, or a botanical garden). We have thought of every single angle that there is to think of.

We can now offer a choice of 6 different villa models, on a choice of three types of lot.

– The lots choices are:

– Riverside view (set beside the San Antonio river).

– Canopy view (set high up in the valley so as to benefit from a view).

– Base lots set lower in the valley offer a great budget conscious choice and all that set in pristine nature.

There is not a single lot that isn’t desirable, they are simply different in what they offer and those who come in early have all the choice in the world.

The available villas range from 2 bedrooms/1 bathroom as the smallest (and most popular) option. Here are computer renderings of…


the two…


bedroom house for $97,576.

Homes range up to a…


full-fledged 4 bedrooms…


3 bathroom…


house that leaves absolutely nothing to be desired as this computer generated rendering shows.


We named our villas after local flora and fauna:

– Bromelia (Bromeliad) and Quinde (Tree Frog) are single story options.

– Helecho (Fern), Orquidea (Orchid), Colibri (Hummingbird) and Mariposa (Butterfly) have 2 storeys.

The lowest-price option is $97,576 for a 2 bedroom / 1 bathroom villa including a base lot. For quality construction set within such a professionally developed project, you’ll be hard pressed to find a comparable offer.

If you want to look at the other end of the scale, for a price of $222,311 you get the 4 bedroom / 3 bathroom Mariposa villa including a plum riverside lot.

What ever you choose, the homes provide a suitable option for most needs  – as well as great value with peace of mind quality. The interiors are…


modern and first…


class as…


well as shown in these computer generated renderings.


Additionally, all of the houses can be tweaked and customized so as to accommodate individual preferences.

On a like-for-like basis, you will be hard pressed to find such quality construction at this price in Ecuador.

These prices will be adjusted upwards, as the project consolidates with further building.

Further details can be found on the website: www.Arboretto-Mindo.com

We invite you to come to the project to see and experience for yourself.

All the other factors necessary for a successful property development are either already in place or have been planned out and will be built within the space of the coming 12 to 18 months:

Access roads (two thirds of them are already built)

–    Electric grid (already in place for a part of the lots)

–    Hiking trails on the land of the development

–    Garbage classification facilities (for recycling)

–    Water distribution grid

–    A shared parking space

–    Public lighting

–    Landscaping of the communal areas

There even is an initial, fully furnished home that has been finished already and which anyone who wants to get a feeling for spending time in Mindo can have a closer look at. The other house-types offered will be quite distinct from this model house, so you truly are spoilt for choice – and you can get a first-hand impression of the quality of materials and craftsmanship by visiting the project’s model house.

This project is already well advanced, and our recent tweaking has turned it into a proposition that I am so convinced of, that I have bought a lot for myself. As one of my associates said when inspecting the project before I bought into the company: “How many quality developments can there be in the world that are set within a protected National Park!”

Needless to say, we have virtually everything in place already to make this work for you. I believe in efficiency, and we have already done 99% of the planning that is necessary for a seamless project. Provided of course, this kind of “haven set within pristine nature” is what you are looking for.

All the lots come with a set of covenants that are registered to the land, and that only allow for development that is in tune with the surroundings. This in turn protects those who buy into the project for its stunning features.

And to be frank, if you absolutely don’t like the overall concept of an eco community of internationally minded home-owners in a nature reserve, then please simply look else where. I am convinced of the overall concept as it stands now, and I don’t want to see brash condo buildings in an area where I believe small individual nature-respecting houses are the way forward.

There is already a clear vision in place, and it’s one that I believe will appeal to a discerning audience. Obviously, if you like inner city apartments, then Mindo Arboretto is not for you. If you don’t like Spanish-speaking countries, it’s not for you either. And if you believe that a rural community in Ecuador has to have a McDonald’s, then please for heaven’s sake stay where you are! We prefer home-made Patacones to food from chain restaurants owned by anonymous corporations.

Everyone else who has so far found this interesting, keep reading!

A clear deal with a clear deadline (and QUALITY written all over it)

Since I am putting my (carefully built) reputation on the line, I want this project to become a success for its owners and investors.

For me, Mindo is the best opportunity to propel ADVENTO (the development company) into the next league. If Mindo Arboretto goes well, ADVENTO will have the gates wide open to expand into other areas in Ecuador and become a premier provider of real estate services to a demanding foreign clientele. For you, this means that you will benefit from being part of a standard-setting development.

I’d even like to underline just how much this is thought out to be a project for a clientele that is asking for quality. A rare commodity in Ecuador.

You can easily find a dozen other projects in Ecuador that will look like a bargain on the surface.

Someone might offer you that beachfront lot for $5,000 (and a three-course lunch with French wine for $1.50), and others will promise you a full set of infrastructure for a bargain price that sounds too good to be true. But remember, if it sounds too good to be true, then it usually is (and there is a long list of failed projects in Ecuador and elsewhere in Latin and Central America).

Again, I can back these claims up with more than just words and promises. There is a tangible track record.

ADVENTO has been hired by a large investor into Ecuadorian property – to help them sort out the mess that their inexperienced local partners had caused. This is because ADVENTO has the inside view of what can go wrong. When you’re working with a company that other developers come to,  you can be confident that you’re in experienced hands. That’s why I can ensure that you won’t have to deal with the problems that so often blight other projects in Latin America.

How much will you save on maintenance costs if you don’t have the road washed away the first time you get a bit more rain than usual? Or how about tripping up on electrical cables that commonly run along the ground? That international standard of work and materials in Arboretto Mindo, ultimately increases the value of your investment and it maximizes your rental potential. In the end, spending some money on quality right at the beginning is cheaper (and a better investment) than having to deal with problems later on.

High quality infrastructure development – ranging from functioning water supply to a reliable electric grid and finishing off with communal facilities such as a pool – simply come at a certain price. ADVENTO has experience in sourcing the best value solution available on the Ecuadorian market, balancing quality and durability with price. The company researches thoroughly and negotiates tough with suppliers. But still, a quality project done with careful planning and designed to deliver what it promises, can’t be done for the price that sometimes you might see advertised elsewhere. I don’t want to mention names, but just looking at some of these offers I can tell you straight away that who ever falls for them, will end up disappointed and feeling defrauded.

Again, I have experience with this as I am myself living in a house that ADVENTO built. The house was more expensive than what I would have paid in other developments. In the meantime, I have learned just how much it increases your quality of life if you don’t have to deal with all sorts of constant problems that we in the U.S and Europe just don’t expect, but are the norm in Ecuador. In the end, spending some money on quality right at the beginning is cheaper (and a better investment) than having to deal with problems later on.

And what I offer today specifically, is this:

Take the first pick of the available base lots in Mindo Arboretto, and purchase one for $24,500 (instead of the $27,000 that they will cost after the initial launch). This price will include the costs for the deeding process. It will take approximately six weeks to get your deed delivered (in the meantime, your funds will stay in a lawyer’s escrow account). Getting the deeding done is an extra $1,000 in value. You can choose any one of the available base lots and you get $2,500 off.

And not forgetting our no risk, 100% refund offer if you are not delighted with your purchase. You have until 15th Feb 2011 to visit Arboretto-Mindo after your purchase, and if you decide it is not for you, you will receive a no-quibble refund within 2 weeks. This offer applies for purchases until and including Nov 15th 2010 only.

To give you a yet clearer idea of what exactly you can buy into, I have prepared a number of documents to be ready for you:

–    Photo Brochure about the Mindo Arboretto Project, including renderings of house types.

–    Layout of project, lot numbers and available lots (incl. prices)

–    Map of the Mindo area

–    Quick overview of the process how to buy and sell these lots, and information about the future management of the project’s communal parts.

–    An English translation of the real estate registry deed that you are going to receive.

–    An English translation of the covenants that are attached to each lot so as to make sure all lots will stay in line with the project’s overall spirit, e.g. restrictions on not being able to build more than 2 storys.

–    Purchase Form to order your lot

You might also want to check out the following two websites:

–    ADVENTO corporate website, www.advento-sa.com

–    Mindo Arboretto project website, www.arboretto-mindo.com (This website gives full details of all the lot types and villa models).

You can see how we have put a lot of effort into getting this right – not the least as I want to demonstrate that investing in Latin America does not necessarily mean having to deal with delays and problems.

None of this would be possible, by the way, without the work of ADVENTO’s general manager, Carlos Tobar. I am a little proud of having Carlos as manager, which is why I just wanted to share his CV with you:

“Carlos is a suma cum laude with an MBA from George Washington University. He worked for over 7 years at Sumitomo Corporation del Ecuador S.A., where he held the position of Business Development Manager. He also worked for over two years at Citibank N.A., where he held the position of Financial Institutions Relationship Manager and Financial Information Manager. At ADVENTO, Carlos is the Managing Director. He oversees and manages each ADVENTO development, as well as those of our partner contractors. Carlos is in charge of contracting, purchasing, controlling and implementing the different phases of the communal development, as well as communications with all lot owners.“

carlos tobar

Carlos Tobar

In other words, he is a guy who is used to managing such tasks – and besides that, he is also an extremely friendly chap that I am sure you will enjoy working with. Besides, he speaks perfect English (and if you like, you can converse in French with him as he grew up in Geneva as the son of a diplomat).

If you have any questions left, you can simply email me (swen.lorenz@undervalued-shares.com) or our general manager in Quito (carlos.tobar@advento-sa.com).

Both of us will be happy to share our entire knowledge with you, not just about Mindo but also about all other aspects of living in Ecuador.

Speaking of which, you might be interested to hear that a good part of the infrastructure for the project is actually already in place. Most lots already have road access. The road has been built in such a way that it is protected against the run-off of rain, and the bit of the road that leads along the stream is specially protected against a river swell. As you can see, this project isn’t the kind of pipe dream that other developers are peddling. It’s already happening, and it’s all been carefully planned so that there are no nasty surprises with maintenance at a later stage.

Of course, there are some problems that we cannot solve. The bumps in the public road leading to the project. The fact that when going to Quito, you currently still have to go through the old airport. And personally, I find it terribly annoying that the news stands in Quito aren’t capable of providing a crisp copy of the Financial Times every morning.

But that’s all part of the deal. If it wasn’t like this, Ecuador would already be priced like Costa Rica or Croatia. And actually, for most of these small problems I can already see the solution on the horizon. The new airport in Quito is now on schedule for a November 2011 opening. The Financial Times is luckily enough available as a pdf version for download. And some day, the Municipality of Mindo will have the funds to upgrade the local road system – something that will in turn help them increase their tourism revenue.

By that time, land prices are likely to have risen further. That’s why I believe now is as good a time as has ever been, to gain a foothold in Ecuador. And to do so in one of the natural reserve treasures of the country, where tourism is bound to continue to grow by leaps and bounds. In a way, you will even contribute yourself to keeping this area pristine. Part of the project is a 95 acres private reserve that will stay protected for eternity, and which you as a lot owner will always have on your doorstep.

All this comes together to form a package that I believe, provides for a perfect start into a better, healthier and happier life. There is no better time to embark on a journey to such a new life than now. All you need to do, is drop us an email to get the ball rolling.

For everything else, you can count on us as your local support team.

With best wishes from Ecuador,

Swen Lorenz

P.S.: Would you like to meet me personally to discuss this opportunity? I am regularly in Quito and Guayaquil, and can often be found passing through the US and several European capitals. Feel free to drop me a note and see if our paths cross! I have a hectic schedule but I making a real effort to turn Mindo into a community of interesting and diverse people, and I always strive to make time for a coffee or for lunch with like-minded investors.

P.P.S.  There is a time limit to reserve! The $3,500 discount is available to the first five buyers who send their deposit.  This offer expires in three weeks…  November  9, 2010.

Deal not final until you come and see. You then have until February 15, 2011 to visit the project. Upon your visit by this date you can cancel the reservation for a full refund.

Special note from Gary Scott:

The global economy is entering into phase II of the biggest economic shift in the history of mankind. This evolution in trade and productivity will hugely benefit real estate in Ecuador as well as the US. See part II in a series on why here.

See the Mindo property and learn more about life in the cloud forest  at the NEW tours created by Jean Marie Butterlin.

Jan. 29-30    Mindo Exploration of Life in a Cloud Forest  ($249 or $299 for two).

See how to attend this tour and 50 more free.

Mass Wisdom Q&A Oct. 16

Let’s share Mass Wisdom in our Saturday Q&A.

We can see the wisdom of the masses everywhere so we devote our Saturday message to comments and questions from our readers. With over 21,000 readers we have a lot to share!


At our seminars… after the lessons, we pay a lot of attention to the social get-togethers because these informal sessions help everyone add depth and experience to what they formally learn.  Here are delegates sitting round a bonfire at the wine and cheese reception at the New River Organic Winery hosted by Thomas Fischer.

This Saturday see below:

#1: Questions on forex… risk and Hong Kong dollar investments.

#2: Questions on our global investment syllabus.

#3: Questions on Guayaquil hotels and tourist attractions.

#4: Questions about the International Club and Club Ecuador.

#5: Ecuador Rose comments.

#6:  Comments on a 10 acre Ecuador organic farm on top of the mountain with avocado (four varieties), and lemons, oranges, tangerines, limes and yucca.

#7: A Blue Ridge Geography lesson. Do you know the Stone Mountains?


At our seminars (see our 2011 schedule here) we get everyone together for social occasions. Here are delegates at our last course having lunch at our house.

#1: Questions on forex… risk and Hong Kong dollar investments.

Here is the first question that came from that seminar: Dear Gary,  I am planning on relocating to Ecuador and I have been reading and enjoying your newsletters and articles for some time now. I have learned a lot from you about life in Ecuador and I’m trying to make sense of the financial information you have provided.

I am looking at opportunities for safe investments. However, I understand you when you say that there are always risks associated with any investments. If I may, I have a few questions for you and I would really appreciate and hope you have the time to reply.

1. Your October 9th letter mentioned having a small percentage of one’s porfolio in forex; what percentage do you recommend? What kind of returns can one expect from JYSKE / forex trading? What are the risks of putting all your assets with JYSKE and having them take care of the management? It is my understanding that with forex trading my original capital investment will be safe and won’t lose value as the U.S. dollar is falling.

2. Do you have any information about the German Solar company that is paying 15% interest on investments? (I read about this in International Living Magazine / seminars)

3. Is it a good idea to convert money to Hong Kong dollars and/or the Brazilian currency because it seems to hold value against the U.S. Dollar?

Reply: First… embrace risk at this time.  The seemingly safest investments now may be the riskiest. History suggests that the light at the end of the tunnel will show up in 2012 or 2013. Until then bonds considered safe provide really low returns and are at risk.

The amount of forex depends on your profile… low…medium or high risk and how much you can afford to lose or how long you can wait out a reversed position.   If you are a US resident or citizen, review this with Thomas Fischer at Jyske Global Asset Management fischer@jgam.com If you are a non US investor, contact Rene Mathys at Jyske Private Bank mathys@jbpb.dk

Re solar power and 15%. Solar power is good but a ways off.  15% this must be very risky.  Risk is not bad if the return is high enough but read my FREE report “3% Solution to determine Risk versus Risk Premium.

My report “Running Risk” shows how to earn 22% without great risk.

I view holding Hong Kong, Singapore dollars or Brazilian reals a good forex investment… when you can get a decent return… such as with Suntec REIT a real estate investment trust. This Asian company was  established with the objective of investing in income-producing real estate properties in Singapore which are used primarily for retail and office purposes.

We love the social aspect of our seminars but afterwards, we get away into peace and quiet to reflect and absorb what has been shared.  The day after our October course I hiked up to…


our labyrinth and did my meditation there.  See Buddha whom we have added behind that maple tree.

Although I was brought up as a Quaker, I like the story of Buddha because his father was a king and he possessed everything that he could want or need….but he felt that material wealth was not life’s ultimate goal…his left his life in the palace and started teaching merchants.  He traveled and taught for 45 years on how to lead a balanced life.  Whenever I finish a seminar that has had a lot of focus on money, business and profits; I like to go out into nature and remind myself that these are just by products of a good life spent in giving in service.


#2: Questions on our global investment syllabus.

Readers Question; Hello, Can you tell me what is covered in your International Business Made EZ and Intl. Investing Made EZ courses? Do you have a syllabus or outline you can send?

Also, does the price of $499 include accommodations and meals? If not, how much are those, or are they on your own?  Thanks.

My reply: Jeff,  Thanks for asking.  We have an extensive course syllabus here.

This year we began making audio recordings of our international investing and business seminars courses so even if you cannot attend you can get the seminar online so you can listen in your MP-3, computer or car.

The seminar recordings also help provide a head start.  We are currently editing the October 2010 International Investing and Business seminars and when  you enroll we’ll immediately send them to you by email.  This way you can start using the data now and then and gain updates at each seminar.

This is the secret of a good investors success… enjoy the masses… but also solidtude. See the big picture but also know the details.

#3: Questions on Guayaquil hotels and tourist attractions.

Hello:  We had a wonderful trip back to Tri-City Airport on Monday after the October seminar.  Since we had plenty of time we took Rt. 16 up to Mouth of Wilson and Rt 58 over to 81.  Lots of twists and turns but the color up in the “high country” was spectacular.  More on all of this and the seminar in a later email.

I have a good client in Germany that is bringing his family to the Galapogos over their Xmas vacation and all of the arrangements have been made thru their tour company.  Just prior to returning to Germany they want to stay two nights in Guayaquil or Bogota.  (their return flight home is out of Bogota)  I am real uneasy about Columbia and think that staying in Ecuador would be a better option from a safety standpoint.  I have two questions: 1.  Can you recommend a high-end hotel in Guayaquil?

2.  They will have a full day in Guayaquil-Are there some “must see” things while they are there?

Warm regards to you and Merri.

My Reply: In Guayaquil there is the old Oro Verde Hotel  town(our choice) and the modern Hilton by the airport.  Years ago, the Swiss built the Oro Verde and it is a premier hotel with the best breakfast in the world….and safe.  Things are better in Guayaquil than they were in the past, but caution is always advised.  I would only go to a hotel which sent a driver or shuttle to the hotel for me.

It seems that things we could do explore and do years ago are better but of course it might be best to take a driver and guide with you.

In Guayaquil a walk along the Malecon stretches for several miles along the Guayas River.  This is a beautiful boardwalk, well-patrolled day and night and features small food stands, other eateries and a blend of historic and modern buildings.

Directly north of the Malecon is Cerro Santa Ana a colorful neighborhood with shops,  restaurants and bars lining the 400+ step staircase.

Once you get to the top, you can visit a small church and lighthouse. The views of Guayaquil are excellent.

Museum Casa de la Cultura has prehistoric gold work collection belonging mostly to the ancient inhabitants of the coast. The ceremonial pots, snake-shaped bracelets, nose rings, gold pieces that were used on the lips and cheeks, elaborated pins used to fasten clothing, chest shields, ceremonial masks and earrings are interesting.

The Museo Municipal, located at the corner of Pedro Carbo and Sucre has four divisions: Archeology, History, Colonial Art and Modern Art.

However, they would enjoy Quito more and there are flights from Quito to Galapagos as well as Guayaquil.  Quito is the Heritage City of the World and offers a lot of sights and of course Colonial Quito…there I would stay only in Colonial Quito or in La Floresta…such as the Suisse Hotel or if one preferred a smaller boutique hotel, the Mansion del Angel, owned by our friends at La Mirage.  This hotel is remarkable…and Quito assures one of the views/the beauty/the heritage and is really a taste of Ecuador wheras Guayaquil is not.


I wanted to thank Jeff & Linn Neal, readers who are also Ashe County real estate brokers. They attended our October seminar and answered questions about real estate here.  Linn gave us this wonderful bouquet  of roses from her garden (enhanced by a couple of fresh Ecuador roses). She taught us a great idea. The bouquet was garnished with herbs… basil… parsley, cilantro and mint. Vision and aroma combined!

#4: Questions about the International Club and Club Ecuador.

Question: Dear Gary,  I have been researching Ecuador and following your news there for several years now. I would very much like to participate in the many courses here in the States and also in Ecuador. I feel the time is right for me to move forward with my ambitions in this regard. The International Club appears to be a great deal of a lifetime!

Could you please elaborate further. Does the club fee include the seminars/courses in Ecuador, as well as North Carolina and Florida? I am unclear on exactly what is included. I understand the air fare and accommodations are the responsible of the individual. What other costs would be incurred in the trip to Ecuador? Also, I would prefer to bring someone with me, perhaps my sister or brother. I understand that the cost to bring someone along would be free. Is this correct? I just want to make sure I am getting it all clear before I proceed. Please advise. Thank you very much!

Reply: Merri’s and my mission is to serve our readers by sharing our 42 years of global experience in ways that help them live better in these changing times.  We do this through seven areas:

#1: Investing Globally.
#2: Having an International Micro Business.
#3: Gaining From Small Town USA.
#4: Everlasting Quantum Wealth.
#5: Getting and Staying in the Zone with Quantum Thinking.
#6: Saving Fortunes and Adding Years of Energy, Good Health and Comfort with Alternative Health Ideas.
#7: Living in Ecuador.

Ecuador is just one part of what the nine seminars Merri and I conduct cover.  We personally have not conducted the Ecuador real estate, shamanic or export tours for a number of years. These Ecuador tours, which are sponsored by Jean Marie Butterlin, are not included in the International Club.

The nine seminars included for our International Club members are in the USA and they include a lot of Ecuador content provided by Jean Marie Butterlin and Bonnie Keough who conduct the Ecuador tours we advertise at our site.  They have been conducting these tours for some time…and offer superb services and experiences.

Jean Marie speaks at our seminars about Ecuador real estate. Bonnie Keogh who conducts the Ecuador export tours speaks at our seminars about Ecuador exporting and exhibits Ecuador products at our seminars… plus Merri and I share our 14+ years of Ecuador experience.

All the Ecuador tours advertised at our site are conducted by the tour company, Morya Ecuador Discovery SA, which was formed by Jean Marie Butterlin and is run by him and our former staff.

Jean Marie is offering Club Ecuador which he advertises at our Ecuador Living site.   He offers over 50 tours in the remainder of 2010 and 2011 and the fee ranges from $499 for one person to attend one tour up to $3,199 as many of the tours through 2010 and all of 2011 as you wish.

Merri’s and my International Club seminars are all conducted in the USA. They help you learn Spanish and gain experience and expertise in the other seven areas mentioned above. You can enroll here.

#5: Ecuador Rose Comments.

My Comment: Don’t forget to order your fresh Ecuador roses for the holiday. During our seminar last weekend we  shared 100 of these beautiful orange Halloween and Thaksgiving roses.


This is one of five bouquets we made from them. Order fresh Ecuador roses here.

#6:  Comments on a 10 acre Ecuador organic farm on top of the mountain avocado of four varieties, and lemons, oranges, tangerines, limes and yucca.

Ecuador Comments:  Gary and Merri, Thanks for you assistance! Your advice and website information has allowed us to purchase a small organic farm in Ecuador. There were challenges, especially since we don’t speak Spanish, but your staff and contacts kept us on the right path. Taking a step of faith to pursue and purchase out of the USA can be attributed to your website info and guidance.

We would like to thank Peggy and Lee Carper, Bonnie Keough and the staff of The Land of the Sun hotel, Roberto Moreno and Santiago Andrade- the attorneys, and many others. A special thanks to Omar Pinto who drove me around and translated for me for several days of negotiations and educated me on the culture. He and his family were the highlight of the trip!

The farm we purchased is off the beaten path in the Rio Intag area about a 2 hour public bus ride that costs $2.00 or about a 1 1/2 hour drive by a car from Otavalo. The ride is difficult but when you arrive it’s completely forgotten. There are 4 hectares, about 10 acres, on top of the mountain overlooking the village of Apuela and it faces the legendary “Face of the Intag” mountain. There are many mature fruit trees that are primarily avocado with four varieties, and lemons, oranges, tangerines, limes and yucca with over 70 trees. The caretaker has planted many herbs for medicine and teas, mints, herba luisa  and many others along with many types of vegetables. Everything is organic!

We are very appreciative of your efforts and those of your staff to provide the great information compiled on your website. Without this information we would have never taken the plunge to purchase in Ecuador. Thanks.


We love our home in the Blue Ridge… the beauty and nature. Here is a flock of turkeys we stirred up ambling yesterday through the autumnal woods. They had little fear. Oops!  Maybe  we have not been living where we thought… in the Blue Ridge. See why in the comments below.

#7: Comments on geography.

Comments: Just a quick note on geography.  We are on the eastern slope of the Stone Mountains.  The Blue Ridge is just east of us, over toward the Parkway.  Just thought you might like to know.  I’m sure it doesn’t mean much to those from far away but I like accuracy so very much.  Take care this winter on your journeys.

Be sure to send your comments & questions.


Belong to the International Club

The Huge 2020 Risk

Here is a huge risk that could explode in 2020.

I hope I am wrong… but the numbers are clear.

According to Treasurydirect.com, (1) as of December 26, 2020 the total US public debt was 23 trillion and 845 billion dollars.

This is not a theoretical problem for the future.  This is not something that our children and grandchildren will have to deal with.  This is a problem in the here and now for you and me.

Rising interest rates create a massive problem for every American.

treasury direct

Look at how the interest costs alone have risen to over a half trillion dollars a year.

treasury direct


The bad news is that the (US federal debt) is getting bigger….harder to miss.  The Congressional Budget Office (CBO) projected in 2010 (the debt then was a bit over 14 trillion) that, under law at that time, debt held by the public would exceed $16 trillion by 2020, reaching nearly 70 percent of GDP.

The $7 Trillion Error.

They sure goofed on that.  Here we are… only in 2020 and debt has shot past 23 trillion.

How could the CBO be so wrong? 

The CBO screwed up because they could never imagine that the Fed would push interest rates so low… and keep them there.  The interest rates are so low that the government has been able to borrow more than imagined and still afford the interest.

For example, US Federal government interest last year amounted to around $573 billion.  Yet in 2008 on debt of only $9 trillion +  the interest that year was $451 billion +.

Interest payments in 2017 were 27% higher than they were in 2008.  Yet the debt is over 250% higher.  

Very low interest rates have helped the government borrow.  Low interest has also helped the US stocks reach all time high prices.

The government will resist raising rates because it will ruin their budget, cause a collapse of the stock markets and destroy the US dollar.

Rising interest rates, will create an almost unimaginable debt crisis.  If government interest doubles it is like the $23+ trillion national debt  rising to 46 trillion!  Unless there are some huge tax increase the interest payments are not sustainable.

Learn how to have more freedom and time, less stress, better health care, extra income, greater safety and profit in your savings despite America’s deficits, debt and currency risk.

Fortunately there are secrets that will allow a few to live much better, free of debt and worry despite the decline in the dollar’s purchasing power.   My wife, Merri and I, have traveled, lived, worked and invested around the world for nearly 50 years to gain this information.

Let me share the basics of this data and how we can be of help through 2020.

The first fact behind this secret is that things are really good in the western world.  Despite many problems, we are surrounded by more abundance and greater opportunity than almost anyone has ever enjoyed, anywhere, ever.   To enjoy a fair share of this wealth, all we have to do is understand human nature and learn how to invest in the new economy, as it changes and becomes new, again and again.

Merri and I have made seven huge transitions in the 50 years.  Each has allowed us to always stay ahead of losses that the majority of Americans suffer.  We are in another transition right now and want to share why and what to do so you can stay ahead and live a richer, independent life through 2020 and beyond.

A falling US dollar is one of the greatest risks we have to our independence, safety, health, and wealth, but also brings a window of huge profit as I explain below.   Though the greenback has been strong for a number of years, its strength is in serious jeopardy.  The growing federal deficits increase the national debt and this with rising interest rates propels a growing debt service.

While the Dow Jones Industrial Average passed a record high, the U.S. national debt passed the $20 trillion mark.

The problem is that the Dow will come back down.  National debt will not fall.

The double shock of money fleeing Wall Street and US debt skyrocketing, will destroy the purchasing power of the greenback.

Go to the store even now.  Statistics say inflation is low, but buy some bread or, heaven forbid, some fresh vegetables like peppers or fruit.   Look at the cost of your prescription or hospital bills.  Do something simple like have your car serviced at an auto dealer.  Look at the dollars you spend and you’ll see what I mean.

The loss of the dollar’s purchasing power erodes our independence, our freedom and our savings and wealth as well. 

At the same time, low interest rates by big banks and higher health care costs soak up the ever diminishing income and savings we have left.  According to a Gallup poll, the most unpopular three institutions in America are big corporations & Wall Street banks, HMOs and Congress.

Yet there is little we can do because these institutions are in control.

Over the last 50 years the average income for 90 percent of the American population fell.  Our health system is restricted by a Kafka-esque maze of legislation and insurance regulations that delay, frustrate, and thwart attempts by patients and doctors from proper medical care.  Big banks and corporations restrict our freedom of choice.  The business customer relationships are no longer transactions between free equals.

Banks can trap us in indebtedness at every age from student loans to mortgages to health care costs.  They pay almost nothing on our savings.  They hide unexpected fees and payments in complex and unreadable documents.  Banks and big corporations routinely conceal vital information in small print and then cheat.  Weak regulations and lax enforcement leave consumers with few ways to fight back.  Many of these businesses ranging from cable TV to phone and internet service to health insurance have virtual monopolies that along with deceptive marketing destroys any form of free market.

These same companies control the credit-scoring agencies so if  we don’t pay unfair fees, our credit scores will plunge and we could lose the ability to borrow money, rent an apartment, even to get a job.  Many consumers are forced to accept “arbitration clauses” in lieu of  legal rights.  The alternative is to lose banking, power, and communication services.

Big business has also usurped our privacy.  Internet companies sell our personal data.  Personal information is pulled from WiFi and iPhones track and store our movements.  The government can access this information, sometimes without subpoenas.  There’s a lot that we don’t know, often withheld under the guise of “National Security.”

The glow on Western democratic capitalism has dimmed… or so it seems.  The US, leading the way, is still a superpower with economic, innovation and military might, but the institutions that should serve the people have become flawed or broken.

America’s infrastructure is in shambles.  The nation’s bridges are crumbling, many water systems are filled with toxins, yet instead of spending more to fix this, we build more prisons.  The 2.2 million people currently in  jail is a 500 percent increase over the past thirty years.  60% of the inmates belong to ethnic groups.  Not just non-white ethnic groups are suffering.  Annual death rates are falling for every group except for middle-aged white Americans.  Death rates are rising among this group driven by an epidemic of suicides and afflictions stemming from substance abuse, alcoholic liver disease and overdoses of heroin and prescription opioids.

America’s middle class is shrinking.  Nearly  half of America’s income goes to upper-income households now.  In 1970 only 29 percent went to this group.  How can we regain our freedom, our happiness and our well being in such a world?

What can we do?

Gain a better, freer life is to combine better health, higher income and greater savings for a happier, more resilient lifestyle. 

Merri and I will celebrate our 50th year of global living, working, investing and researching to find and share ideas on how to have simpler, low stress, healthier, more affluent lifestyles.  Our courses, reports and email messages look at ways to gain:

#1:  Global micro business income.

#2:  Low cost, natural health.

#3:  Safer, more profitable, investments that take little time or cost to buy and hold… so you can focus on earning more instead

Many readers use our services for just one of these three benefits.  They focus only on health or on earning more or on better, easier investing.

28 years ago Merri and I created the International Club as a way for readers to join us and be immersed in all three of these benefits.   The International Club is a year long learning program aimed at helping members earn worry free income, have better affordable good health and gain extra safety and profits with value investments.

Join us for all of 2020 NOW.

The three disciplines, earning, health and investing, work best when coordinated together.  Regretfully the attacks on our freedom are realities of life.  There is little we can do to change this big picture.  However we can change how we care for our health, how we earn and how we save so that we are among the few who live better despite the dollar’s fall.

We start with better lower cost health care.

Club membership begins by sharing ways to be free of the “Secret Hospital Charge Master”.   Just as governments hide truth behind “National Security”, big health care businesses hide medical truths behind “Charge masters”.  Most hospital charge masters are secret because big business does not want us to know how much hospital costs have risen.  Motivations beyond our good health, like corporate greed, want to keep us in the dark about health care cost.

Despite rising health care costs, a report from the Centers for Disease Control & Prevention shows that hospitals are the last place we want to be for good health.  One report shows that hospital-acquired infections alone kills 57% more Americans every year than all car accidents and falls put together.

Often, what patients catch in the hospital can be worse than what sent them there.  Governments and health care agencies agree  – antibiotic resistance is a “nightmare.”  An antibiotic-resistant bacteria may be spreading in more hospitals than patients know.  About one in every 25 hospitalized patients gets an infection and a report from the Journal of Patient Safety showed that medical errors are the third-leading cause of death in the country.

Along with the risk of hospital acquired illness and medical errors, the second huge threat to our well being… is health care costs, especially at hospitals.  This is why charge masters are so often secret.  There are few risks to our wealth that are greater than a hospital stay.

I have created three natural health reports are about:

#1: Nutrition

#2: Purification

#3: Exercise

Each report is available for $19.95.  However you’ll receive this free as club member and save $59.85.

Club members also receive seven workshops and courses on how earn everywhere with at home micro businesses.  We call this our “Live Well and Free Anywhere Program”.   The program contains a series of courses and reports that show ways to earn and be free. These courses and reports are:

  • “International Business Made EZ”
  • “Self Fulfilled – How to Write to Sell”
  • Video Workshop by our webmaster David Cross,
  • The entire weekend “Writer’s Camp” in MP3
  • The report “How to Raise Money Abroad”
  • Report and MP3 Workshop “How to Gain Added Success With Relaxed Concentration”
  • The course “Event-Full – How to Earn Conducting Seminars and Tours”

This program is offered at $299, but is available to you as a club member free.  You save $299 more.

Next, club members participate in an intensive program called the Purposeful investing Course (Pi).  The purpose of Pi is finding value investments that increase safety and profit.  Learn Slow, Worry Free, Good Value Investing.

Stress, worry and fear are three of an investor’s worst enemies.  These destroyers of wealth can create a Behavior Gap, that causes investors to underperform in any market good or bad.  The behavior gap is created by natural human responses to fear.  Pi helps create profitable strategies that avoid losses from this gap.

Lessons from Pi are based on the creation and management of a Primary Pi Model Portfolio, called the Pifolio.  There are no secrets about this portfolio except that it ignores the stories from economic news (often created by someone with vested interests) and is based mainly on good math that reveals the truth through financial news.

The Pifolio is a theoretical portfolio of MSCI Country Benchmark Index ETFs that cover all the good value markets using my 50 years of global experience and my study of the analysis of four mathematical investing geniuses (and friends).

There are seven layers of tactics in the Pi strategy.

Pi Tactic #1: Determine purpose and good value.

Pi Tactic #2: Diversify 70% to 80% of portfolio equally in good value developed markets.

Pi Tactic #3: Invest 20% to 30% equally in good value emerging markets.

Pi Tactic  #4:  Use trending algorithms to buy sell or hold these markets.

Pi Tactic  #5:  Add spice speculating with ideal conditions.

Pi Tactic  #6: Add spice speculating with leverage.

Pi Tactic  #7:  Add spice speculating with forex potential.

The Pifolio analysis begins with a continual research of international major stock markets that compares their value based on:

#1:  Current book to price

#2:  Cash flow to price

#3:  Earnings to price

#4:  Average dividend yield

#5:  Return on equity

#6:  Cash flow return

#7:  Market history

We combine the research of several brilliant mathematicians and money managers with my years of investing experience.

This is a complete and continual study of what to do about the movement of international major and emerging stock markets.  I want to share this study throughout the next year with you.

This analysis forms the basis of a Good Value Stock Market Strategy.  The analysis is rational, mathematical and does not worry about short term ups and downs.  This strategy is easy for anyone to follow and use.  Pi reveals the best value markets and provides contacts to managers and analysts and Country Index ETFs so almost anyone can create and follow their own strategy.

The costs are low and this type of ETF is one of the hardest for institutions to cheat.  Expense ratios for most ETFs are lower than those of the average mutual fund.  Little knowledge, time, management or guesswork are required.  The investment is simply a diversified portfolio of good value indices.  Investments in an index are like investments in all the shares of a good value market.

Pi opens insights to numerous long term cycles that most investors miss because they have not been investing long enough to see them.

The Pi subscription is normally $299 per annum but as a club member you receive Pi at no charge and save an additional $2299.

Profit from the US dollar’s fall.

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

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

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

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

This report sells for $29.95 but when you become a club member you receive the report, “Three Currency Patterns For 50% Profits or More” FREE.

Plus get the $39.99 report, “The Platinum Dip 2019” free.

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

Now there is a new distortion ready to ripen in the year ahead.

These two events are a strong sign to invest in precious metals.

I prepared a special report “Platinum Dip 2019”.   The report explains the exact conditions you need to make leveraged precious metal speculations that can increase the returns in a safe portfolio by as much as eight times.  The purpose of the report is to share long term lessons about speculating in precious metals gained through 30 years of speculating and investing in gold and silver.

The low price of silver offers special value now so I want to send you this report because the “Platinum Dip 2018” offers enormous profit potential in 2018.

The report “Platinum Dip 2019” sells for $39.95 but club members receive it free as well.

The $39.95 new “Live Anywhere – Earn Everywhere Report” is also free.

There is an incredible new economy that’s opening for those who know what to do.  There are great new opportunities and many of them offer enormous income potential but also work well in disaster scenarios.

There are are specific places where you can reduce your living expenses and easily increase your income.  Scientific research has shown that being in such places actually make you smarter and healthier.  Top this off with the fact that they provide tax benefits as well and you have to ask, “Where are these places?”.

Learn about these specific places.  More important learn what makes them special.  Discover seven freedom producing steps that you can use to find other similar places of opportunity.

The report includes a tax and career plan broken into four age groups, before you finish school, from age 25 to 50 – age 50-to 65 and what to do when you reach the age where tradition wants you to re-tire.  (Another clue-you do not need to retire and probably should not!)

The report is very specific because it describes what Merri and I, our children and even my sister and thousands of our readers have done and are doing, right now.

Live Anywhere – Earn Everywhere focuses on a system that takes advantage of living in Smalltown USA, but earning locally and globally.

This report is available online for $39.99 but International Club members receive it free.

Save when you become a club member.

Join the International Club and receive:

#1: The $299 Personal investing Course (Pi).   Free.

#2: The $299 “Live Well and Free Anywhere Program”. Free.

#3: The $29.95 report “Three Currency Patterns For 50% Profits or More”. Free.

#4: The $39.99 report “Platinum Dip 2019”. Free

#5: The three $19.99 reports “Shamanic Natural Health”.  All three free.

#6: The $39.99 “Live Anywhere – Earn Everywhere” report. Free.

#7: A year’s follow up subscription to the Purposeful investing course… Plus more.

Join the International Club for $349 and receive all the above online now, plus all reports, course updates and Pi lessons 2019 at no additional fee.

Click here to become a member at the discounted rate of $349