Tag Archive | "Quito,Pichincha Province,Ecuador"

Wisdom of the Masses Q&A


There is wisdom in the masses if…

cranes

A mass of Sandhill Cranes from a National Geographic photo.

There is wisdom in the masses if you can apply it to your individual life.

Questions this week:

#1: About Ecuador Hotels.

#2: The importance of Spanish

#3:  Investing in Iraqi Dinars

#4: Emerging Bond Investments and Ecuador Relocation

#5:  Ecuador Scams

#6: Ecuador Real Estate Flipping

#7: Ecuador Bank Safety

#8: US Real Estate Safety

cranes

One Florida Sandhill Crane with juvenile.  The young cranes are called “colts”. 

Merri and I are back in Florida and the Sandhill Cranes live in the reeds of our and nearby lakes.

cranes

We love their loud trumpeting as they fly over the house early a.m.

The masses can be wise… or a stampeding herd thundering towards a cliff of oblivion.  We as individuals need to discern the importance and wisdom of a massive move.  Our responsibility is to decide whether the masses are on a “massive positive evolution” or “heading the wrong way”.

The repetition of a untruth does not make it truth!

So we spend our Saturdays sharing your (the readers) questions and comments. I hope that this dialogue is of personal value!

Reader Ecuador Comment. My wife and I are in Cotacochi today and checked in this morning to The Land of the Sun hotel you had mentioned. We must say we are completely impressed with the accommodations. After a week in Ayampe and points along the coast, this is by far the nicest. It has made our trip. (Before arriving here, my wife wanted to move our flight up and go home). My wife is pregnant and the staff here has been very gracious. The setting and the comfortable room has made us reserve 4 more nights here.

I appreciate your recommending it and wanted to say thanks for making my anniversary vacation one that will bring us back to Cotacochi. Muchas Gracias!!

Reader Spanish Question: Hi Gary and Merri-I am interested in attending the upcoming Spanish class but my time is so limited that I must use it wisely.  Obviously no one is going to learn a language in four days. I wonder if the technique is truly helpful. Do you have positive feedback from previous attendees?

My Reply: We have many raves from seminar delegates. One just wrote yesterday:  “The seminar was enjoyable and very informative.  We didn’t expect so much info to come are way i.e.  The theanine has been very helpful and we found our perfect baroque station on the internet. It was all I expected and more.”

We receive so many raves like this because of these three little known, but scientifically proven, ways to enhance the speed, accuracy and efficiency of the mind, memory, recall, retention and decision making process.

These are not gimmicks or tricks… just advanced enjoyable ways for the mind to create/process/utilize knowledge.

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, over 35 years ago, was among just a few who learned and was licensed directly.  She has practiced and worked with this system all these years.

Then she enhanced the learning of Spanish with the second tactic which is to make slight alterations in digestion.  This alone can make anyone a startling 25% smarter.These two tactics are given in seven, easy to use learning techniques that help gain any skill, from computers to athletics to conversational languages…  in much less time than traditional learning techniques… often two-to-five times faster, in exciting and innovative ways…but most of all it is a system that is stress free and full of fun.

The third tactic builds on the first two and uses 17 unique lessons to provide Spanish fluency in a short time.

Let me prove to you how this third 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 (which we teach in the class). 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.  We practice this and help to enliven the brain so that more and more correlations come forth from within to use in communication.

See examples of the words you know below.

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

Thanks for your inquiry…and please see more about words like this at “Why you can Speak Spanish in Four Days here.”

Ecuador Relocation Question: Hi Gary,  We are Canadian citizens,  I see that the yields on bonds of the so-called “developing nations” (like  Brazil and the Dominican Republic) are at the 10% (give or take) range.

Which makes me think, “Can I not take my money there so it earns higher yields?”

Our situation (my wife, my dog and me) is as follows: mortgage-free owners of a house worth about CAD$300,000, total RRSP (tax-free retirement savings plans) worth about CAD$250,000 CAD, and no consumer debt (we pay off our credit card balance every month).  Our age bracket is the 35-40 group.

Is it realistic to expect that we could sell our house, take the CAD$300,000 and place it into higher-yielding bonds like those of Brazil and Dominican Republic (or any other suitable investments) and expect that the income from those investments could provide at least some of the money that we would need to cover our living expenses in whichever country we could choose to relocate to?  Or are we simply too young to even consider such a move and all we can do is “wait and see what happens and hope for the best”?  I feel like I’m the pig who sees the big bad wolf on the horizon racing towards us, but instead of building a brick house, I’d rather just “get out of Dodge” altogether.  Because in this case, I don’t even think the brick house is going to hold up intact against this big bad financial wolf headed our way.

Thank you for your time and consideration.

My Reply: I hold an overweighting of Brazilian bonds in my portfolio and they were paying over 12% when I invested.

As of July 2010  the Brazil’s Moody’s Rating Outlook was Positive and the Country Currency Debt rating Baa2.

For Baa1, Baa2, Baa3 ratings,  Moody judges obligations rated Baa to be “moderate credit risk”.  They are considered medium-grade and as such “protective elements may be lacking or may be characteristically unreliable”.

I do not hold DR bonds which are of a much lower grade. Last April 2010 Moody’s raised the Dominican Republic’s government bond rating to B1.

There is a stable outlook, but this is still four levels below investment grade.

For B1, B2, B3  Moody judges obligations rated B as speculative and “subject to high credit risk”, and have “generally poor credit quality”.  

My newest report “Running Risk – How to Invest in Risky Times” shows that when risk is greater… as it is now, investing in riskier assets makes sense. Learn more about this report here.

One key part of risk management is diversification.  So I have invested in Brazil, but certainly would not trust all my savings to Brazil and especially not the Dominican Republic.

Right now my feeling that the masses are crazy.

A

n October 25 2010 New York Times article entitled “In Bond Frenzy, Investors Bet on Inflation” by Christine Hauser says:

At a time when savers complain that they are earning almost no interest from their bank accounts, some investors on Monday bought United States government bonds that effectively had a negative rate of return.

My Reply: If  you want to avoid real estate scams I regret you’ll have to find a place where there are not people… or at least a place where people have overcome greed.  I have been living, traveling and working globally for 43 years now and have not found that yet… so try to do the best thing possible and shed light on the entire market so scammers cannot use ignorance of the market as their tool. Until then always beware! You can gain the assistance of full time full support research and assistance team by subscribing to our paid premium Ecuador Living service.

Bizarre as it sounds, that is correct. In an auction of a special kind of five-year Treasury bond, investors paid $105.50 for every $100 of bonds the government sold — agreeing to pay the government for the privilege of lending it money.

The reason is that these types of bonds offer a guaranteed protection against inflation. So, if inflation soars — as some economists worry might happen, with the government seeking to give the economy a boost by flooding it with money — the value of the bonds would go up accordingly.

The investors who took part in the $10 billion auction are betting that inflation, now at about 1 percent annually, will rise to a level that more than compensates for the premium they paid.

The unusual auction on Monday “reflects a condition in the Treasury market that has been in place for months, chiefly that yields on shorter maturities have moved below the inflation rate,” Anthony Crescenzi, a senior vice president at the bond giant Pimco, wrote in a research note.

Along with diversification is risk premium acquisition.  In other words…”GET PAID TO TAKE RISK”.

To buy US dollar bonds and pay a premium (we look for discounts… not premiums) in my humble opinion is not wise.

Finally,  at age 35 to 40, I would invest more in myself and my own micro business!

Reader Comment: Concerning comments about banking in Ecuador. At this point I would not transfer my life savings to an Ecuadorian bank. However, for convenience I have established an account in a small bank in San Jacinto a town of 3,000 next to San Clemente where we own a home on the beach. I met the bank officers and two of the members of the board of directors. When does that happen when you open an account in the US?This was done for the purpose of transferring funds to be used in Ecuador and not having to carry large sums of money on the flight. My account is at Cooperativa de Ahorra Y Credito (COACMES). This is the Ecuadorian equivalent of a local depositor owned savings and loan in the USA.

It is proving very handy. I can go to the bank (20 minute walk) (5 minute taximoto ride 50 cents) and withdraw funds as needed. They also offered me free checking services with the account. The interest rate is great, between 6 and 10 percent depending on amount and term.

I know others who have had in this bank large sums of money for long periods of time with no problems.

My Reply: This reader is correct. I agree and have written numerous times that “small amounts” for convenience makes sense.

But keep in mind that had “large amounts in Ecuador banks for long periods of time with no problems” until without notice all banks in Ecuador were shut down. I had $30,000 frozen for over a year and eventually received back only $19,000.

Banks can never be of higher quality than the investment rating of their country and Ecuador is not investment grade risk. You have been warned.  Be careful. Why take this risk when there are other much safer centers to hold the bulk of your savings?  Plus most Ecuador banks will only provide US dollar accounts and this is another risk.  I do not recommend holding very much of your savings in dollars or Ecuador banks.

Reader Comments: What about real estate scams in Ecuador?

This complete service includes our staff being able to provide personal responses to your questions.

Plus we help subscribers gain hotel discounts in the most visited parts of Ecuador.



Cuenca-real-estate-for-sale


Ecuador real estate still offers great value like this Cuenca house offered at $72,000.


Reader #2: Comment: Interesting how most of the Ecuadorian properties being marketed to the USA public using the internet as the venue are at least double the asking price from a couple of years ago. I wonder if most of the sellers are the “usual” real estate speculators.  Grab low – Sell High.

My reply to reader #2: Thanks for writing this as I have been wanting to get on my soap box and preach about flipping.  Your note provides my opening. Many of the properties are owned by people who have held them for a long time.

I started recommending buying in 2000 and many readers who did are selling for ten times what they paid.  As I have written often I am selling many of the properties I bought back then and selling now and buying back in Florida.

Ecuador prices have really been rising in recent times.

Construction costs have risen.  Cement, wood etc. are international commodities and labor is rising as the expats flood in.

There are some expats who try to come down and flip. This is not as easy as it seems and we find that most properties sell for much less than the offer price.  I am hoping that people will learn the risks of flipping.   I predict that those who try this in Ecuador will get their fingers burned.

Ecuador real estate still offers some great value but you have to get to Ecuador… learn how to market and wait with cash for bargains. The way to make a profit without getting ruined by popping bubbles is to spot distortions that create unusual value. Buy troubled properties and fix them. Throw in a dash of imagination and garnish with good taste. Plus be willing to wait five to ten years.

There is no easy way to always get rich.

photo

I like real estate with lots of water as a good investment when it can be purchased at a good value.

Reader’s Question: Gary, here is the deal.  I need your input.  Iraq dinars .  You can purchase about a million dinar for about $1000.  Next, when something? happens with the govt. of Iraq they WILL revalue!!!!  On an unbelievable mutiple.  This is going to happen very soon.  Better get on board now!  Do not miss the boat!.  I have never dealt in a currency play.   The hard currency is actually mailed to you.

My reply: This is a very risky bet. I have seen this story floating around for several years now… and it flies in the face of history so I have not taken it up.

Fundamentally the idea is not strong.  What makes a currency strong is… a country united in political.. work… religious… legal, etc. work ethic and its competitiveness and productivity versus other nations with a balanced budget and reasonable government debt.

I am no expert on Iraq but do not see these qualities there.  Maybe they’ll get their act together… but how can a nation that stills makes its women wear burkas compete with modern society that lets women like our wives excel in the work force?

This is a huge dilemma that all Muslim nations face. How can you get the women into the work force?  Even if there was a huge change in religious and social philosophy this could take at least one or two generations.

Iraq has oil but also needs to import billions maybe trillions to rebuild… and I have yet to see a new currency issued that is upvalued. They are always devalued.  Will the people who rebuild the infrastructure accept an inflated currency as payment for their work?  I doubt it. I suspect the big construction firms will want a currency that is realistic.

Plus with all the new oil being discovered (and or now capable of being recovered) in the US… oil prices may go down.

If having a lot of oil alone made a currency go up, the Russian Rouble would rise verses the dollar.  This chart shows that instead since 1999 it has fallen from about 50 cents to 32 cents and is headed down.

Here is a currency play I am doing that has done very well recently.  I am not recommending that you follow the below outline and must add caution because these plays are always changing and in these times of risk need to be carefully monitored.  If you want to know what I am doing or changing or rearranging, just keep reading this free daily email letter.

I borrowed $300,000 and invested
$100K each in Mexican peso gvt. bonds (BBB) 10% Due 2024 selling at 117 yielding about 8%

$100,000 European Investment Bank Australian dollar bonds (AAA) 6.0% 2013 101.49  yielding 5.56%

$100,000 European Investment Bank  New Zealand dollar bonds (AAA) 6.5% 2014 104.77  yielding 5.38%

•Average yield 6.31% or $18,930 a year income.

•Loan cost      $   9,000

•Return           $   9,930

•Plus Forex Potential and all three currencies has risen versus the dollar.

Maybe you’ll make a lot on the Irqui dinar but maybe you’ll make a lot on the lottery. Odds are… you’ll lose.

photo

One of our North Carolina cabins. I have a heavy weighting in real assets compared to currencies.

Reader Comments: The banking industry is sitting on $2 trillion of bad mortgages.Just last week Pimco and the Fed asked B of A to buy back some faulty mortgage investments formed by Countrywide.This is just the beginning.

Real estate has more downside and could be much more.

Second, baby boomers are downsizing. This puts pressure on the larger property market where there are many more sellers than buyers. As these prices continue to fall they will take smaller properties(which have somewhat stabilized in some markets) with them.

The only thing that will prevent a further significant drop in prices is a massive federal program that will allow homeowners to refinance at low or no cost at current mortgage rates and also allow them to walk away from some of their debt.

It is extremely difficult and expensive (especially in states like Florida) for homeowners to refinance today. The Feds need to make this process much easier (especially for those homeowners that are currently underwater but continuing to make their mortgage payments.

That’s my 2 cents.

My Comments: All these reasons for the real estate market continuing to fall make sense except  for three factors.  First, history disagrees.  Since the industrial revolution began… the world’s standard of living has improved.  Second, the population is growing and each person expects more.

Third, real estate is paying a great risk premium!  When the economy is in the doldrums it is hard to see how the economy can improve.  Yet is always has.

In this situation, the current tide is almost always wrong. When times are bleakest is the best time to invest because everyone else is selling.

Consider the alternative… land purchased at .5o cents n the US dollar or government bonds sold at $1.05 for a dollar bond!  Plus you can put your energy into a real estate deal… buy… fix… landscape… rent… use, etc.

Recently a reader passed a note entitled “How a stimulus package works” I rarely pass such emails on but this one is interesting. It said:

It is a slow day in the small Saskatchewan town of Pumphandle, and streets are deserted. Times are tough, everybody is in debt, and everybody is living on credit.

A tourist visiting the area drives through town, stops at the motel and lays a $100 bill on the desk saying he wants to inspect the rooms upstairs to pick one for the night.

As soon as he walks upstairs, the motel owner grabs the bill and runs next door to pay his debt to the butcher.

The butcher takes the $100 and runs down the street to retire his debt to the pig farmer.

The pig farmer takes the $100 and heads off to pay his bill to his supplier, the Co-op.

The guy at the Co-op takes the $100 and runs to pay his debt to the local prostitute, who has also been facing hard times and has had to offer her services on credit.

The hooker rushes to the hotel and pays off her room bill with the hotel owner.

The hotel proprietor then places the $100 back on the counter so the traveler will not suspect anything.

At that moment the traveler comes down the stairs, states that the rooms are not satisfactory, picks up the $100 bill and leaves.

No one produced anything. No one earned anything… However, the whole town is now out of debt and now looks to the future with a lot more optimism.

And that, ladies and gentlemen, is how a Stimulus package works.

This is an interesting story and has a point but I’d like to point out that the hotel proprietor got screwed! He accepted the $100 from the prostitute… forgave the debt and then lost the $100.

So when the government gets too involved in the economy… always ask the question… who is going to get screwed?  The US dollar bond holder? The share investor. The commodity owner? The land owner?

My guess (and where I am betting more of my money) is that inflation is ahead and during inflation commodities and real estate win.

Keep in mind diversification… but once again look for risk premium.  The risk premium on real estate may be at an all time high!

Gary

See our catalog of service here.

Belong to the International Club

The Huge 2019 Risk

Here is a huge risk that could explode in 2019.

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

According to Treasurydirect.com, (1) as of December 27, 2018 the cost of interest on the total US public debt of $21,845,329,154,412.01.  Tht’s 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.

US debt

The good news is I sent a note like this last year ad I was wrong.

Last year when I sent that note the debt was $20,467,375,664,755.32 (20 trillion+).  The debt has increased almost 1.4 trillion dollars in 2018.

This is good news and bad… the rock and the hard spot.  The bad news is that the rock (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 then) that, under law at that time, debt held by the public would exceed $16 trillion by 2020, reaching nearly 70 percent of GDP.

The $5 Trillion Error.

They sure goofed on that.  Here we are… only in 2019 and debt has shot past 21 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 $483 billion on the 20 trillion of debt.  Yet in 2008 on debt of only $9,229,172,659,218.31 (9 trillion +) the interest that year was $451,154,049,950.63 (451 billion +).

Interest payments in 2017 were 7% higher than they were in 2008.  Yet the debt is over 100% higher.  

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

Now US dollar interest rates are rising.  In 2018 the interest costs were 8.2% higher than in 2017.   Yet the debt increase was only 6.7%.

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

Here is the very hard spot.  

Rising interest rates, will create an almost unimaginable debt crisis.  If government interest goes to 6% it is like the $20+ trillion national debt  rising to 40 trillion!  Unless there are some huge tax increase the interest payments are not sustainable.

A tax increase?  Last year’s tax act reduced, not increased, revenue.

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 2018.

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 2019 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 25,000, 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 2019 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 $99 per annum but as a club member you receive Pi at no charge and save an additional $99.

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 $418.78… “plus more” when you become a club member.

Join the International Club and receive:

#1: The $99 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 2018”. 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.

These reports, courses and programs would cost $527.92 so the 2018 membership saves $117.92.

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

Gary 

(1) www.treasurydirect.gov/NP/debt/current

 

Survival in Anarchy Through Publishing Cohesion


Here are some thoughts on how to survive & prosper in anarchy.

You can profit from a groundswell change in the world’s socio-economic system that creates enormous opportunity for small self publishers and exporters now.

ECUADOR-COASTAL-real-estate-tour

Here are delegates on one of our recent Ecuador tours.  See below how these tours help delegates learn how to earn through authenticity and cohesion.

More importantly see why authenticity and cohesion create this opportunity and why so many Americans and Canadians are moving to Ecuador… because of anarchy.

The internet and broadband are helping lead the world into a state of  anarchy… but in a very positive way.

Those who see the upside of this shift will prosper from the change that is coming.

Anarchy has been given a negative connotation, but…  in its truer… deeper meanings, anarchy describes a Utopian State.

One definition of anarchy is:  “A social state in which there is no governing person or group of people, but each individual has absolute liberty (without the implication of disorder).”

Anarchy is pure libertarianism.  In the real world… this state of pure freedom… has rarely worked for long because individuals with absolute authority have not been willing to also accept complete responsibility.  During times of anarchy… self interest groups try to impose their wishes on others by becoming top dog.  Everyone starts stepping on everyone else’s toes.

Traditionally anarchy turns into chaos and disorder.

This seems to be the nature of our universe… shifting from order to anarchy to chaos.

Entropy disintegrates but the process also creates ashes from which a Phoenix will rise.  After order slides into anarchy and  chaos it then comes back into a new order.

This site has recommended the book “Chaos The Making of a New Science” by James Gleick numerous times over the past decade.  An excerpt from that book below outlines a scientific explanation of this universal chaotic order and perhaps can help us see how to help and profit as well in times of change.

If disorder always comes from order then knowing why and how the internet is helping create anarchy, will help us spot  how to serve and profit in the emerging era.

This understanding is important.  Most Westerners are bewildered by the deterioration of the state they were educated to believe in. This is why many are emigrating to South America.  Many are seeking a return to the old Western dream.  Latin America offers a return to seemingly simpler times.

This is why this site also focuses on Smalltown USA where a less complex, friendlier social order still reigns.

The progression of society and the global economy may appear to be in a negative cycle, but common sense suggests that the shifts we are seeing, from order to disorder, are normal and to be expected.

All is in perfect order.  The problem is not the reality but our views that are out of touch with reality.

We can probably presume that most Romans felt equally overwhelmed when barbarians crossed the Rubicon.

Yet here is a point for survival in anarchy… despite the fall of Rome, for the past two millennium, Italy has remained a really great place to live. Italy in this period has been filled with opportunity.

Many Romans experienced great pain and suffering during the Empire’s fall… but those who looked ahead and prepared… were given a great opportunity to prosper as the old order ceased to prevail.  New ideas… fresh energy… enthusiasm and willingness to work became more valuable and rewarding as the old boy’s network, that was draining the empire, failed.

More on Chaos

Here is an excerpt from  James Gleicks book “Chaos – The Making of a New Science”.

What exactly is chaos? The name “chaos theory” comes from the fact that the systems that the theory describes are apparently disordered, but chaos theory is really about finding the underlying order in apparently random data.

When was chaos first discovered? The first true experimenter in chaos was a meteorologist, named Edward Lorenz. In 1960, he was working on the problem of weather prediction. He had a computer set up, with a set of twelve equations to model the weather. It didn’t predict the weather itself. However this computer program did theoretically predict what the weather might be.

One day in 1961, he wanted to see a particular sequence again. To save time, he started in the middle of the sequence, instead of the beginning. He entered the number off his printout and left to let it run.

When he came back an hour later, the sequence had evolved differently. Instead of the same pattern as before, it diverged from the pattern, ending up wildly different from the original.   Eventually he figured out what happened. The computer stored the numbers to six decimal places in its memory. To save paper, he only had it print out three decimal places. In the original sequence, the number was .506127, and he had only typed the first three digits, .506.

By all conventional ideas of the time, it should have worked. He should have gotten a sequence very close to the original sequence. A scientist considers himself lucky if he can get measurements with accuracy to three decimal places. Surely the fourth and fifth, impossible to measure using reasonable methods, can’t have a huge effect on the outcome of the experiment. Lorenz proved this idea wrong.

This effect came to be known as the butterfly effect. The amount of difference in the starting points of the two curves is so small that it is comparable to a butterfly flapping its wings.

The flapping of a single butterfly’s wing today produces a tiny change in the state of the atmosphere. Over a period of time, what the atmosphere actually does diverges from what it would have done. So, in a month’s time, a tornado that would have devastated the Indonesian coast doesn’t happen. Or maybe one that wasn’t going to happen, does.

This phenomenon, common to chaos theory, is also known as sensitive dependence on initial conditions. Just a small change in the initial conditions can drastically change the long-term behavior of a system. Such a small amount of difference in a measurement might be considered experimental noise, background noise, or an inaccuracy of the equipment. Such things are impossible to avoid in even the most isolated lab. With a starting number of 2, the final result can be entirely different from the same system with a starting value of 2.000001. It is simply impossible to achieve this level of accuracy – just try and measure something to the nearest millionth of an inch!

From this idea, Lorenz stated that it is impossible to predict the weather accurately. However, this discovery led Lorenz on to other aspects of what eventually came to be known as chaos theory.

Lorenz started to look for a simpler system that had sensitive dependence on initial conditions. His first discovery had twelve equations, and he wanted a much more simple version that still had this attribute. He took the equations for convection, and stripped them down, making them unrealistically simple. The system no longer had anything to do with convection, but it did have sensitive dependence on its initial conditions, and there were only three equations this time. Later, it was discovered that his equations precisely described a water wheel.

At the top, water drips steadily into containers hanging on the wheel’s rim. Each container drips steadily from a small hole. If the stream of water is slow, the top containers never fill fast enough to overcome friction, but if the stream is faster, the weight starts to turn the wheel. The rotation might become continuous. Or if the stream is so fast that the heavy containers swing all the way around the bottom and up the other side, the wheel might then slow, stop, and reverse its rotation, turning first one way and then the other.

The equations for this system also seemed to give rise to entirely random behavior.  However, when he graphed it, a surprising thing happened. The output always stayed on a curve, a double spiral. There were only two kinds of order previously known: a steady state, in which the variables never change, and periodic behavior, in which the system goes into a loop, repeating itself indefinitely. Lorenz’s equations were definitely ordered – they always followed a spiral. They never settled down to a single point, but since they never repeated the same thing, they weren’t periodic either. He called the image he got when he graphed the equations the Lorenz attractor.

In 1963, Lorenz published a paper describing what he had discovered. He included the unpredictability of the weather, and discussed the types of equations that caused this type of behavior. Unfortunately, the only journal he was able to publish in was a meteorological journal, because he was a meteorologist, not a mathematician or a physicist. As a result, Lorenz’s discoveries weren’t acknowledged until years later, when they were rediscovered by others. Lorenz had discovered something revolutionary; now he had to wait for someone to discover him.

Another system in which sensitive dependence on initial conditions is evident is the flip of a coin. There are two variables in a flipping coin: how soon it hits the ground, and how fast it is flipping. Theoretically, it should be possible to control these variables entirely and control how the coin will end up. In practice, it is impossible to control exactly how fast the coin flips and how high it flips. It is possible to put the variables into a certain range, but it is impossible to control it enough to know the final results of the coin toss.

A similar problem occurs in ecology, and the prediction of biological populations. The equation would be simple if population just rises indefinitely, but the effect of predators and a limited food supply make this equation incorrect. The simplest equation that takes this into account is the following:

next year’s population = r * this year’s population * (1 – this year’s population)

One biologist, Robert May, decided to see what would happen to the equation as the growth rate value changes. At low values of the growth rate, the population would settle down to a single number. For instance, if the growth rate value is 2.7, the population will settle down to .6292. As the growth rate increased, the final population would increase as well. Then, something weird happened. As soon as the growth rate passed 3, the line broke in two. Instead of settling down to a single population, it would jump between two different populations. It would be one value for one year, go to another value the next year, then repeat the cycle forever. Raising the growth rate a little more caused it to jump between four different values. As the parameter rose further, the line bifurcated (doubled) again. The bifurcations came faster and faster until suddenly, chaos appeared. Past a certain growth rate, it becomes impossible to predict the behavior of the equation. However, upon closer inspection, it is possible to see white strips. Looking closer at these strips reveals little windows of order, where the equation goes through the bifurcations again before returning to chaos. This self-similarity, the fact that the graph has an exact copy of itself hidden deep inside, came to be an important aspect of chaos.

An employee of IBM, Benoit Mandelbrot was a mathematician studying this self-similarity. One of the areas he was studying was cotton price fluctuations. No matter how the data on cotton prices was analyzed, the results did not fit the normal distribution. Mandelbrot eventually obtained all of the available data on cotton prices, dating back to 1900. When he analyzed the data with IBM’s computers, he noticed an astonishing fact:

The numbers that produced aberrations from the point of view of normal distribution produced symmetry from the point of view of scaling. Each particular price change was random and unpredictable. But the sequence of changes was independent on scale: curves for daily price changes and monthly price changes matched perfectly. Incredibly, analyzed Mandelbrot’s way, the degree of variation had remained constant over a tumultuous sixty-year period that saw two World Wars and a depression.

We can glean insights into how to react in the future from this excerpt which shows us that:

#1:  It is impossible to predict anything perfectly.
#2: There are little windows of order within all chaos.
#3:  There is sensitive dependence on its initial conditions. Little changes bring huge results.
#4:  There is self-similarity, exact copies of the past hidden deep inside in present and future, even during chaos.
#5:  The degrees of variation remain constant over all, even tumultuous periods.

This suggests that chaos is simply our misunderstanding of order and if we always plan and look for the positive in this chatter… we’ll find better times and opportunity.

Back to the internet… cohesion… and authenticity.

The previous order was ruled by broadband. Radio, TV, records, newspapers, cinema  provided cohesion in the North American and European society.  The majority heard the same music… saw the same shows… at just about the same time… and there were not all that many channels.

Children went to school had about the same education, talked about the commonalities they saw the night before, then at home they connected again to the same input, as everyone else.  So life in Maine was not that different from life in Southern California… because everyone received the same broadcast on just a few networks.

Now children go home form school and tap into hundreds of thousands of different networks… perhaps millions on the net.  This small change in the initial conditions of the formation of our future society is likely to have profound consequences.   A much broader spectrum of thought will influence the upcoming generation beyond Elvis, The Beachboys, Beatles and Jan & Dean.

What this specifically will mean… is unpredictable… but we can see in a bigger picture how this will reduce national cohesion everywhere. Loyalties will rise from common interests shared on the internet… not from the effects of broadcast within a political boundary.

Governments will find this force hard to resist.  If they limit their population’s input… they will limit access to the global economy and advances from  deeper knowledge… lower productivity and especially reduce innovation.  This will cripple and handicap societies that shut down or censor the net.

Publishing and export opportunities comes from this because:

#1: Societies need cohesion.

#2: The global community is the best answer for business productivity. Political borders are inefficient.  True cohesion comes from truth (authenticity). Few political manifestos or the administrations of these manifestos are honest or true.

#3: Small pockets of truth (your publishing or export business) reflected around common interests can create business opportunities because they act like little windows of order during times of increased turmoil.

Let me give you a clear and specific example…. our Ecuador export… and Quantum Thinking and Spanish business.

Despite a tremendous decline in the economy over the past several years… these businesses have been growing at a rate of over 20%.  Is this Americans fleeing the US?  Americans and Canadians headed south?

Only in part.

international-business

Here are delegates at our most recent Super Thinking Plus Spanish seminar in Florida. These delegates were from the USA, Canada, France, South Africa, Sri Lanka and China… bound not by political boundaries… but by common interests… to increase intelligence to adapt to change and to communicate better in Spanish.

Look for small windows of lunacy as the world seems to become insane… small truths that will shine in a swelling tide of lies. If you can find a genuine way to serve your fellow man by crossing borders with products (exporting) or valuable information (publishing) then you can gain stability and profit from the very same internet that is also creating anarchy.

Gary

Learn about our self publishing course here.

Learn how to earn income through a global business at our Quantum Wealth seminars.

One recent delegates from the British Commonwealth wrote:

Dear Gary and Merri…  I wanted to say thank-you-first of all for your kindness and generous Information while I was in Ecuador this February.
I came up to Cotacahi, went on two real estate tours with Bonnie..and stayed at Meson de las Flores before the IL conference.

I am still working on how my life will move this year… I have many options to think about and am still trying to sell my current land-based business.

Back here I am working on putting together a ‘presentation’ for locals who may be interested In Ecuador.

I am simply going to put an ad in the local paper and book my church hall if the response  is greater than 20 people or so.

I had a few adventures while I was in Ecuador and am looking forward to a fresher,freer and financially improved lifestyle.

There are many ways to earn extra income… through an international business in exports… self publishing and with global internet businesses. Our Quantum Wealth seminars look at many ways to profit.

Enroll now in our June 24 to 27 Quantum Wealth Seminar.

Enroll here. $749 Reserve for one person –  $999  Reserve for two

Learn more about our Quantum Wealth International Investing and Business Seminar here.

Learn how to gain earning freedom with Ecuador exports and real estate.

April 12-15 Ecuador Export Expedition Tour

ECUADOR-COASTAL-real-estate-tour

Bonnie Keough will lead our April Ecuador export tour.

ECUADOR-COASTAL-real-estate-tour

here is a group on a tour with Bonnie in February 2010.

Here are some of the products that Bonnie imports herself including…

ECUADOR-export-tour

organic chocolate.

ECUADOR-export-tour

Textiles and…

ECUADOR-export-tour

knitted jackets are good sellers plus…

ECUADOR-export-tour

low cost jewelry out of vegetable ivory…

ECUADOR-export-tour

beads have good markups.

ECUADOR-export-tour

Handbags of leather and…

ECUADOR-export-tour

cloth are also good.

Stay after the export tour and view Ecuador real estate for sale.

Apr. 17-18   Imbabura Real Estate Tour
Apr. 20-21  Coastal Mid Coast Real Estate Tour
Apr. 23-24  Quito & Mindo Real Estate Tour

Learn how to export Ecuador flowers and much more.

Learn more about Ecuador Roses here

Ecuador-christmas-roses

Learn how Fedex delivers Ecuador Easter lilies to your home.

ecuador-floral-information

Learn more about our May 9-12, 2010 Cotacachi Super Thinking Plus Spanish course here.

May 9-12       Super Thinking + Spanish Course, Cotacachi Ecuador

May  13-14    Ecuador Shamanic Mingo

May  16-17    Imbabura Real Estate Tour

May  19-20    Coastal Real Estate Tour

May  22-23    Quito Real Estate Tour

May  25-26    Cuenca Real Estate Tour

You enjoy discounts by attending multiple seminars and tours.

Here are our multi tour adventure discounts.

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

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

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

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

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

Here is our June 2010 schedule.

June 24       Quantum Wealth North Carolina

June 25-27    International Investing and Business North Carolina

June 28-29    Ecuador Travel & Andes

June 30-Jul 1 Imbabura Real Estate Tour

Cotacachi Music


Music and surprises are two things we love about Cotacachi Ecuador. Cotacachi has things happen that North American minds can never imagine.

See our weekly review of messages here.

Ecuador Music

Cotacachians love music and…

Ecuador Music

dance at …

Ecuador Music

all ages, young…

Ecuador Music

teens…

Ecuador Music

adults and…

Ecuador Music

old.

Plus you never know what will happen next.

Take this Cotacachi musical treat as an example.

Merri and I were working in Meson’s office, when a messenger dropped a small white envelope on our desk. Dr. Ramiro Ruiz, former Mayor of Cotacachi and director of the Cotacachi Cultural Museum had sent an invitation to a little concert at the San Francisco Temple, the second, smaller Cathedral in the village.

San Francisco Temple.

So we accepted both and enjoyed the real estate inauguration and wondered how the evening concert would be.

A group was with us and we asked if they could come along for the music. Obtaining a green light, we, with 18 gringos in hand, headed across the village early to enjoy the evening Mass at the temple.

We were wondering what type of concert this would be; a local group perhaps, a children’s affair…maybe a good string quartet.

I was hoping for this last option.

Merri and I love good classical music and have heard some of the best in the world. Our offices at one time, when we lived in London, were on Wigmore Street right next door to Wigmore Hall which was the national concert hall for chamber music and song. There were regular performances of song recitals, chamber, piano, early music and jazz concerts. Then it had been easy to pop in and hear a grand pianist, flutist or other famous artist. The London Philharmonic was also within easy reach easy.

We also had years in Vienna and frequented the Vienna Konzerthaus where there were regular concerts of Mozart, Strauss and performances by the Vienna State Opera. We also often stopped at the Vienna Kursalon which was built in 1865 and served as the Ballroom of Vienna. The Strauss family celebrated their greatest triumphs there and any night one could sip coffee and listen to wonderful live performances.

Then in Naples we enjoyed the Naples Philharmonic which the wealthy Neapolitans used to spend their money, by filling it with only top performers and stars.

These musical opportunities all offered us only the best. Even in my Hong Kong days, my flute instructor was a flutist for the Hong Kong Philharmonic. They were not the best orchestra in the late 60s, but I was allowed to practice in the musician’s practice rooms at the HK philharmonic Hall. When they performed, I was often there.

Plus we visit Copenhagen every couple years to speak at Jyske Bank’s courses which include performances by the Royal Danish Opera. They perform at all of Jyske’s seminars and Merri and I have spent evenings enjoying dinner with some of their stars before being entertaining grandly.

Music has always been an important part of my life. I began playing the trumpet at 11, switched to the double bass at 13 (was a metro league honor band performer at 16) and then took up the flute when I began to travel. (Double BB Flat Sousaphones are cumbersome instruments to lug around the world!)

I am certainly no aficionado nor expert but I do enjoy music and from these experiences understand it a bit. So I was not getting my hopes up here, in Cotacachi, a tiny village of 6,000 people, deep in the Andes in a very small, but acoustically sound, as it turned out, temple.

What kind of music could they perform here, really?

With Mass over, attendants arrived and began removing pews. I wondered. “What?” Then they began flowing in…the entire Orquesta Sonfonica Nacional del Ecuador…THE NATIONAL SYMPHONY OF ECUADOR, 72 performers, two bassoons, a double bassoon, timpani and all, celebrating their 50th year. They gathered, went through those comforting warm-up rituals and then, just seven pews in front of us, the conductor, Medardo Caisabanda, arrived, turned to face the orchestra, raised his baton and nearly brought the ceiling down!

They began with Obertura Caballeria Ligera and moved into Brahms’ Hungarian Dance #5. Crisp, perfectly timed and when they put their musical peddle to the metal in Forte the effect is hard to describe.

My spine shivered, heart fluttered and tears to the eyes, even now just remembering.

Words can’t say it.

The music grabbed our bodies….and our souls.

Ecuadorian performers are much more physically enthusiastic than their Northern brethren. Unlike the no move, stone faced performances often given by great stars in the US, Canada or Europe, these musicians move, smile, sway. You see, as well as hear. When the orchestra erupted in this tiny hall, you literally felt their enthusiasm.

Ecuador Music

Ecuadorians play their music with gusto!

Later, as our group strolled down the lamp lined streets toward El Meson, the cool, star studded evening was dessert after this exquisitely performed musical meal.

This will be a time always remembered, I suspect for the entire 150 people or so in attendance. The National Symphony of Ecuador was in our lap. And for everyone it was free! This was one of those rare, unexpected peak moments that grabbed us, carried us and it will stick, a wonderful memory.

This was a thrill beyond explanation that I hope sharing will express the joys that can come from visiting our tiny village in Land of the Sun!

Again see our weekly review here.

Gary

Join Merri and me or our Ecuador Living staff in March 2010

March 11-14     Super Thinking + Spanish Course, Mt. Dora, Fl.

March 15    Travel to Quito

March 16 Travel Quito Cotacachi

March 17-18  North Andes, Imbabura & Cotacachi Real Estate Tour

March 19-20    Cotacachi Shamanic Tour

March 21  Travel Cotacachi to Manta

March 22-23   Manta & Mid Coast Real Estate Tour

March 24 Travel Manta to Cuenca

March 25-26 Cuenca Real Estate Tour

March 27  Travel Cuenca to Salinas

Mar. 28-29   Salinas & South Coast Real Estate Tour

The Ecuador airfare war makes it cheaper to get to Ecuador than ever before… and there is still time to enjoy great Ecuador tour savings.

You enjoy discounts by attending multiple seminars and tours. Here are our multi tour adventure discounts.

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

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

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

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

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

Even Better.  Greater Savings. Our 2010 International Club membership allows you and a guest to attend as many of the 51 courses and tours we’ll sponsor and conduct in 2010  (fees would be $40,947 for all these courses individually) is only $3,500.

If you join the International Club, the entrance fee for 2010 is $3,500.  Your attendance fees at all courses will be waived. You and a guest of you choice can attend courses worth $40,947.You can calculate the savings as our schedule of all 2010 courses here.
International Club 2010 Membership $3,500 Enroll here

International Club Three Monthly Payments of $1,190

Our Spring 2010 schedule starts:

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

Apr. 26-27  Cuenca Real Estate Tour ($499 or couple $749)

The multi tour discounts remain effective for the April tours.

Ecuador Penthouse


Here is a paid advertisement for an Ecuador penthouse in one of the top condo projects in Quito.

Penthouse Apartment for Sale—Quito Tenis

Fully Furnished
US $350,000

quito-penthouse

View from Great Room of Quito and Cotopaxi Volcano
quito-penthouse

The Building

The building was constructed in 2005 in the popular, quiet and secure Quito Tenis neighborhood on Quito’s northwest side.  It consists of 6 floors—the 6th being a penthouse apartment—plus a rooftop terrace with garden, approximately 80% of which is private, belonging to the penthouse.

The Quito Penthouse Apartment

The apartment is approximately 258 square meters (2,777 square feet) + a rooftop terrace of 150 square meters (approximately 1,614 square feet) + a full-length balcony off the great room + a small balcony off the master bath.

quito-penthouse

Living Room Seating

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Dining Area

The social area of the apartment has a contemporary, open, “American style” great room including the kitchen, dining area and living room.  Three of the walls of the large room are glass, with the east wall overlooking the city of Quito and the snow-capped volcanoes to the north, south and east.  The views are striking both by day and by night.  An ample balcony runs the entire length of the room.  An attractive wood-burning fireplace is on the west wall.

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View of Quito from Great Room

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View from Great Room at Night

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Kitchen

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Hallway

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Master Bedroom

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Master Bathroom

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Master Bathroom

The apartment was purchased by the current owner and remodeled in mid-to-late 2008.  Originally consisting of 4 bedrooms, each with private bath, one bathroom was eliminated and a hallway created between the two former bedrooms—one now being used as a den (with three-quarters bath) and the other, an office.  The remaining designed bedrooms are the master, with private three-quarters bathroom and a second bedroom, with private three-quarters bath.  For a buyer needing more permanent bedrooms the office and den can be quickly and easily re-converted.

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Bedroom

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Den

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Den

There is also a visitors’ half bathroom as well as a three-quarters service bathroom.  There are 2 (owned) parking spaces in the garage as well as a storage room.  There is a multi-line telephone system with currently 2 (owned) lines.  The parking spaces, storage room and telephone system with 2 active lines are all included in the sales prices.

quito-penthouse

Visitors’ Bathroom

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Stairway to Rooftop Terrace & Garden

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View from Terrace towards Southeast

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View from Terrace towards Southwest

Furnishings

The apartment is being offered fully-furnished (excluding artwork and few personal items).  With few exceptions all of the furniture was custom made in Ecuador in October/November of 2008.  Having no small children or pets, the furniture remains in excellent condition.  Most of the furnishings can be seen in the photos.  The major additions are: GE refrigerator and Electrolux stacking washer/dryer.

Location

The location is convenient to most popular areas of Quito.  The El Bosque Shopping Center is 5 minutes by car, 15 on foot.  The Quicentro and El Jardin Shopping Centers are 10 minutes by car.  The World Heritage Centro Historico is 15 minutes by car.  Many excellent restaurants are with 10-15 minutes drive.  [Google Map with pin in address]
Contact

Please contact the owner:
K. Michael Million
Tel. (593) 02-331-8658
Cel. (593) 09-042-9771
Mail. kmmillion@seanet.com
Skype. Million1000

Join Merri and me  in March 2010

March 11-14     Super Thinking + Spanish Course, Mt. Dora, Fl.

March 15    Travel to Quito

March 16 Travel Quito Cotacachi

March 17-18  North Andes, Imbabura & Cotacachi Real Estate Tour

March 19-20    Cotacachi Shamanic Tour

March 21  Travel Cotacachi to Manta

March 22-23   Manta & Mid Coast Real Estate Tour

March 24 Travel Manta to Cuenca

March 25-26 Cuenca Real Estate Tour

March 27  Travel Cuenca to Salinas

Mar. 28-29   Salinas & South Coast Real Estate Tour

The Ecuador airfare war makes it cheaper to get to Ecuador than ever before… and there is still time to enjoy great Ecuador tour savings.

You enjoy discounts by attending multiple seminars and tours. Here are our multi tour adventure discounts.

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

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

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

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

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

Even Better.  Greater Savings. Our 2010 International Club membership allows you and a guest to attend as many of the 51 courses and tours we’ll sponsor and conduct in 2010  (fees would be $40,947 for all these courses individually) is only $3,500.

If you join the International Club, the entrance fee for 2010 is $3,500.  Your attendance fees at all courses will be waived. You and a guest of you choice can attend courses worth $40,947.You can calculate the savings as our schedule of all 2010 courses here.
International Club 2010 Membership $3,500 Enroll here

International Club Three Monthly Payments of $1,190

Our Spring 2010 schedule starts:

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

Apr. 26-27  Cuenca Real Estate Tour ($499 or couple $749)

The multi tour discounts remain effective for the April tours.

Ecuador California


Ecuador and California connect.

This is the last day to gain the largest savings on our courses and tours.  More on this in a moment.

First Ecuador & California. Last October, a message at this site looked at Ecuador Florida

The Ecuador Florida connection makes sense.  Ecuador’s nearest US gateway is Miami… just 3 hours and 45 minutes north.

However there is also a place where Ecuador and California also connect. This Ecuador news came along in the process of investigating Ecuador building codes and writing last week’s message Ecuador Earthquake Facts and Figures.

That message looked at Quito and the fact that one great breakfast place in Quito is Techo del Mundo… “Top of the World.”

ecuador-earthquakes

Here I am enjoying breakfast in this…

ecuador-earthquakes

great restaurant… one of the highest places in Quito overlooking…

ecuador-earthquakes

the city and sitting on this…

ecuador-earthquakes

cliff!

Since Ecuador is on the ring of fire, sitting in a high rise building, on the side of a cliff, begs the question… “how safe are Quito’s building codes”.

Friends from around Ecuador have shared valuable information about Ecuador’s building codes and Carlos Tobar who conducts our Quito Ecuador real estate tours sent this valuable information about Ecuador and California. 

Hi Gary,  I spoke today with an architect and an engineer who are actively doing construction work in Quito and other cities in Ecuador and they both coincided in pointing out that the first thing to consider when thinking about earthquakes is that Ecuador is located on the Pacific Rim of Fire and, as such, is an area prone to earthquakes.  This is an undeniable fact that any country that borders the Pacific Ocean must live with.

Having said that, they explained that building codes regarding the structural integrity of high-rise apartment buildings are based on California construction codes.  They explained that such norms are ingrained in the educational background of civil engineers because those are the codes that are taught in colleges’ Engineering schools.

Of course, you have the potential risk of running into an unscrupulous builder who cuts corners and tries to save money in the construction process by using less than recommended re-bar diameters, or by hiring a cheap structural engineer who will recommend anything; but that is exactly the reason why it is important to work with experienced professionals who may charge a bit more, but who deliver a higher quality product and who stand behind their work.  The structure of the construction (house, condo, or any other) may end up costing more, but the trade-off will always be worth it.  Regards, Carlos

This is good advise for buying in Ecuador or anywhere!   “Do your homework when you look at real estate and make sure you buy from reputable people”.

Carlos just finished conducting his first Quito Mindo real estate tour and we had some great raves from delegates.

Carlos sent this note:

Dear Merri and Gary,  We finished the first Quito – Mindo tour as planned yesterday and it went quite well.  We had 15 people.

We were able to show them an ample variety of what Quito has to offer, from the lower-end, lower-priced priced small condos in the northern suburbs of Quito starting at around $30,000 to a high-class Arrayanes Golf & Country Club development with houses in the neighborhood of $250,000 to $300,000 that have an 18 hole golf course country club as their back garden in Puembo (close to the new airport area), passing though a brand-new $105,000 range condo in the northern part of Quito and a recently rebuilt condo complex in the Plaza de San Marcos in old town colonial Quito.

We also took an hour or so to visit the Church of the Society of Jesus Christ which is on the list of UNESCO 100 most important buildings in the world. We also walked along the Plaza de la Independencia, in front of the Cathedral and the Presidential Palace.

On the second day we drove to Mindo and visited the model home and the overall project.

This trip was a great experience and we will only improve it even further as we gain more field expertise.

This Quito Mindo tour was really a very enjoyable experience and the people on the tour were just great).  Carlos.

On the subject of the $29,999 Quito condos, a number of readers have questioned how this is possible.

I have not seen those Quito condos, but here I am with Ecuador real estate tour delegates looking at condos just off the beach for $23,000.

When we first began looking at these units on Ecuador’s coast, a number of years ago, they were $18,000.

These are under 500 square feet in size.  Yet have three bedrooms, one bathroom… plus

ecuador-condos

See more on this at Ecuador Beach Condos

Learn more about the February 2010 Quito Mindo tour here.

Gary

This is the last day to gain the largest savings on our Ecuador tours.

Join Merri and me and our webmaster this February  at a seminar and share ways to invest, do business and live that protect wealth as they bring joy, satisfaction and better health.

Join us with our investment advisors and tax attorney February 11-14  at Quantum Wealth -International Investing & Business Made EZ, Mt. Dora, Fl.

You can also come on with us to Ecuador.

February 15-16 Travel to Quito and tour Quito

February 17     Travel Quito to Manta

February 18-19  Manta & Mid Coast Real Estate Tour

February 20 Travel Manta to Cotacachi

February 21-22 North Andes, Imbabura & Cotacachi Real Estate Tour

February 23-24  Quito & Mindo Real Estate Tour

February 25 Travel Quito Cuenca

February 26-27  Cuenca Real Estate Tour

Or join us in March 2010

March 11-14     Super Thinking + Spanish Course, Mt. Dora, Fl.

March 15    Travel to Quito

March 16 Travel Quito Cotacachi

March 17-18  North Andes, Imbabura & Cotacachi Real Estate Tour

March 19-20    Cotacachi Shamanic Tour

March 21  Travel Cotacachi to Manta

March 22-23   Manta & Mid Coast Real Estate Tour

March 24 Travel Manta to Cuenca

March 25-26 Cuenca Real Estate Tour

March 27  Travel Cuenca to Salinas

Mar. 28-29   Salinas & South Coast Real Estate Tour

Or Join us all year long and save.   This the last day to gain the largest savings on our Ecuador tours.

The Ecuador airfare war makes it cheaper to get to Ecuador than ever before… and there is still time to enjoy great Ecuador tour savings.

You enjoy discounts by attending multiple seminars and tours. Here are our multi tour adventure discounts.

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

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

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

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

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

Even Better.  Greater Savings. Our 2010 International Club membership allows you and a guest to attend as many of the 51 courses and tours we’ll sponsor and conduct in 2010  (fees would be $40,947 for all these courses individually) is only $2,999.

The International club fee rises to $3,500 January 25 2010. Enroll in the International Club now at the original fee of $2,999. Save $501 extra before January 25, 2010.

Because holiday expenses often tighten the winter cash flow, you can enroll with three monthly payments… $1,025 in January… $1,025 in February and $1,025 in March 2010.

If you join the International Club, the entrance fee for 2010 is $2,999 (until January 2010).  Your attendance fees at all courses will be waived. You and a guest of you choice can attend courses worth $40,947.You can calculate the savings as our schedule of all 2010 courses here.
International Club 2010 Membership $2,999 Enroll here

Ecuador Earning Idea Update


See an Ecuador earning idea below.

First a reminder that there just 11 days left to order Ecuador Valentine’s roses.

Here is one of our bouquets.

Ecuador-christmas-roses

Ecuador Valentine’s roses can be ordered now for delivery on either Wednesday, February 10 or  Thursday, February 11, 2010.

Learn more about Ecuador Valentine’s roses.

Second here are image updates of the Falconi homes being built in Cotacachi.

ecuador-house-for-sale

This house was shown at an earlier stage of construction in a previous message.

ecuador-house-for-sale

Here is a second Falconi house under way.

ecuador-house-for-sale

Get more information from Angel Proano at proangel76@hotmail.com

A recent message looked at an Ecuador import earning idea.

Here is the Ecuador earning update… an excerpt from lesson 18 of our course “Tangled Web, how to Have an Internet Business.”

Always test in your web based business, but do not allow test results to alter the integrity of your vision… mission and plan.

One of our maxims for success in your internet business is to test… test…. test.

Growing a business requires knowledge that testing can bring.

However.

Growing a business also requires a balance of capital, knowledge (from testing), experience, staff, training and product line.

A subscriber to this course recently asked “Why do you only send a link to your website each day?”

He told us that at his site he tested and found that he obtained much better results when he sent the entire message in HTML instead of just a link.

Here is my reply.

“Thanks for asking.  I used to send the entire emailed message, but made a decision to switch based entirely on the matter of time.”

To place the entire message on our emailer takes some extra time and for quite some time we have been swamped.

So I switched to this easier mode.

Our business model uses the web to qualify rather than increase numbers so in a way if our short message culls out those not really interested this might be good… less emails to answer… etc.

This is a peculiar way of doing business but it works for us.  Each month over the past three years, since we began tracking, our Month On Month sales have grown.   Our list size grows every day.

That’s all I look at right now…  sales… list size… complaints vs raves… plus of course the bank account.   We have to keep our bankers and suppliers happy.

If sales, list and compliments are growing…  and we have more money than we started with at the end of the month… I am happy.

We have not had the time to measure more than this… YET.

That’s the pitfall of a small business… not enough time to do everything perfectly.

I stress the word YET because test mailings comparing sending the entire message versus just a link are on our list of priorities.  We  will be doing this eventually.

When we make these tests I’ll report to you the results.  If sales increase we’ll change this aspect of our daily message.

Our business is working well.  Sales are up about 30% per annum.  Merri and I and our webmaster are so busy… we are often out of time at the end of the day.

The solution?   Change the business plan or hire staff (which is a changed plan in a way).

We have added help… but all must be well trained so they can provide good service.   We can expand further once they are trained… but during training it gets even busier!

Little good comes from diverting resources to increased sales unless the entire structure of the business is ready to handle it.  Imbalanced sales… without good service leads to loss of good clients.. the most valuable asset of all.

Plus tests do not always tell the entire story.

For example, we get many of our new readers via good rankings at search engines.   Part of our good search engine rankings are based on the number of readers visiting our site.

If I send the entire message via email, more readers might read and buy.  Sales will rise but fewer people will be reading my message at my site.   Rankings at the search engines might drop.

Tests might show that short term… sales rise.   Long term new readers might fall and in the long term sales might drop because of lost readers.

Plus I do not make changes easily without a test.

I am always cautious about accepting results of someone else’s tests.  One has to view business as a whole… in the context of its relationship with its clients.

For example when Merri and I had our print publishing business our direct mail marketing was so low pressure and so filled with information that readers often thought it was a paid per subscription newsletter!

I studied a test that one of our friendly competitors had done that suggested sales increased 30% when a stamped reply envelope was included with the email. I decided to test this before making it a regular feature in our marketing.

I mailed 20,000 marketing letters. All were identical in every way except half had a stamped reply envelope.

The 10,000 letters WITHOUT the stamped envelope outsold those with the envelope by 10 to 1!

Why?

My customers normally saw my marketing as useful information.

The addition of the stamped prepaid envelope converted the image of my efforts from useful data to a marketing piece… so it was more often chucked in the garbage without being read.

Test… test… test… yes… but keep your business balanced and watch for long term results as well as immediate data garnered from your tests.

Learn a good way to spot long term trends in this lesson as a Tangled Web subscriber.

Gary

Join Merri and me and our webmaster this February  at a seminar and share ways to invest, do business and live that protect wealth as they bring joy, satisfaction and better health.

Join us with our investment advisers and tax attorney February 11-14  at Quantum Wealth -International Investing & Business Made EZ, Mt. Dora, Fl.

You can also come on with us to Ecuador.

February 15-16 Travel to Quito and tour Quito

February 17     Travel Quito to Manta

February 18-19  Manta & Mid Coast Real Estate Tour

February 20 Travel Manta to Cotacachi

February 21-22 North Andes, Imbabura & Cotacachi Real Estate Tour

February 23-24  Quito & Mindo Real Estate Tour

February 25 Travel Quito Cuenca

February 26-27  Cuenca Real Estate Tour

Or join us in March 2010

March 11-14     Super Thinking + Spanish Course, Mt. Dora, Fl.

March 15    Travel to Quito

March 16 Travel Quito Cotacachi

March 17-18  North Andes, Imbabura & Cotacachi Real Estate Tour

March 19-20    Cotacachi Shamanic Tour

March 21  Travel Cotacachi to Manta

March 22-23   Manta & Mid Coast Real Estate Tour

March 24 Travel Manta to Cuenca

March 25-26 Cuenca Real Estate Tour

March 27  Travel Cuenca to Salinas

Mar. 28-29   Salinas & South Coast Real Estate Tour

There are four days left to gain the largest savings on our Ecuador tours.

The Ecuador airfare war makes it cheaper to get to Ecuador than ever before… and there is still time to enjoy great Ecuador tour savings.

You enjoy discounts by attending multiple seminars and tours. Here are our multi tour adventure discounts.

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

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

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

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

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

Even Better.  Greater Savings. Our 2010 International Club membership allows you and a guest to attend as many of the 51 courses and tours we’ll sponsor and conduct in 2010  (fees would be $40,947 for all these courses individually) is only $2,999.

The International club fee rises to $3,500 January 25 2010. Enroll in the International Club now at the original fee of $2,999. Save $501 extra before January 25, 2010.

Because holiday expenses often tighten the winter cash flow, you can enroll with three monthly payments… $1,025 in January… $1,025 in February and $1,025 in March 2010.

If you join the International Club, the entrance fee for 2010 is $2,999 (until January 2010).  Your attendance fees at all courses will be waived. You and a guest of you choice can attend courses worth $40,947.You can calculate the savings as our schedule of all 2010 courses here.
International Club 2010 Membership $2,999 Enroll here

Quito and Mindo Real Estate Tour


Quito and Mindo Real Estate Tour.

Prices for real estate in Quito and the surrounding valleys are still low.  For example below you can see brand new 861 square foot three bedroom condos for $29,999.

Carlos Tobar, who is conducting our Quito and Mindo real estate tour, just sent me this note.


quito-real-estate-for-sale

Gary, Quito real estate offers outstanding quality, alternatives and value for expatriates visiting Ecuador.

The picture above shows a shot of the more modern, northern part of Quito, with the impressive Pichincha in the background.

The city is a world heritage renowned for its historic downtown, the largest Spanish colonial town in South America.  The historic colonial city center offers several real estate opportunities, nested in this most impressive colonial ambiance.

However, Quito is characterized as a city of diversity.  The city is over 30 miles long while not  much more than a few miles wide.

The north is more modern, home to most of the banking sector and large business, as well as the more expensive neighborhoods.  The south is more
commercial, with less expensive neighborhoods.  Quito also boasts its surrounding valleys such as the valleys of Tumbaco, Los Chillos, Calderon and Pomasqui.  Here is a map.

quito-real-estate-for-sale

Our Quito – Mindo tours will take us to see opportunities in old town Quito.  We will look at
properties in the northern business sector of Quito, such as these condos located in the
heart of the business, banking and hotel sector of Quito:

quito-real-estate-for-sale

Prices in a modern brand new building such as this are about $64,000 for a 572 square foot
condo.

The general floor plans of the condos are as follows:

quito-real-estate-for-sale

As you can tell, Quito offers both modern and classic architecture.  It also offers a wide variety
of prices, depending on what you may be looking for.

For instance, we will also visit this development:

quito-real-estate-for-sale

It is located in the Valley of Pomasqui, very close to the zero latitude “middle of the world”.

This energetic center was known even as far back as the Incas, and they were so drawn to it
that they were not satisfied until they made it part of their empire.

quito-real-estate-for-sale

Comfortable and quality town houses are available in this  complex
starting for US$ 29,999 for a cozy 861 square foot 3 bedroom unit.  Here we have a
few shots of the interior of these properties (the furniture is that of the model home but is not
included in the sales price):

The living room

quito-real-estate-for-sale

The dining room leading to the kitchen area

quito-real-estate-for-sale

The bed room comfort

quito-real-estate-for-sale

As part of our continuing tasting of the variety Quito has to offer, delegates who will attend the
Quito-Mindo tour will visit the higher end project as well, located where the new airport is being built.

quito-real-estate-for-sale

The project lies next to a renowned Golf and Country Club.

It boasts 3.5 acres of green communal areas, fresh air, a privileged micro-climate, in an
exclusive, high-appreciation sector.

quito-real-estate-for-sale

The project is made up of 99 lots to be sold in 2 stages.  Each lot owner will be allowed to build
a single home in each lot, sized 240 m2 or 300 m2 (approximately 2,550 ft2 and 3,200 ft2,
respectively), following general architectural guidelines set forth in the purchase documents.

quito-real-estate-for-sale

Lot prices start at $54,000 for lots that begin at 5,200 square feet.

Our Quito – Mindo tour also offers you the possibility to travel outside of Quito, to the north-
western part of the Province of Pichincha.  We will visit the Mindo area, known for its abundant
bio-diversity (just Google “Mindo” to find out more about this bird-watchers and ecotourism
paradise).

quito-real-estate-for-sale

Mindo is an ecotourism hotspot where nature enthusiast can find plenty of activities and enjoy
their natural surroundings.

quito-real-estate-for-sale

There we will visit the project Arboretto Riverside Villas (ARV), a novel concept in ecotourism
presold villas.   ARV is made up of 36 custom homes, to be built within an extension of 25
acres.   We have built the first model home in ARV, which we will be able to visit during our
tour.

quito-real-estate-for-sale

Prices start at $150,000 for a 1,300 square foot custom home built on a lot of an average of
10,000 square feet.

quito-real-estate-for-sale

The key characteristic of these homes is their transparency and the way
they are immersed in nature:

quito-real-estate-for-sale

Each house has its own outside Jacuzzi, literally allowing you to enjoy nature in the warmth of
your own deck.

quito-real-estate-for-sale

In summary, Quito and the Mindo area have a great deal to offer to those who are looking for a
modern, city life-style as well as to those of you who enjoy a more relaxed way of life in a
smaller town (without being out of reach of the big city).

This is just one more example of Ecuador’s diversity and this tour will provide you the
opportunity to experience the many faces that Quito and Mindo have to offer.   We look forward
to sharing this experience with you.  Regards Carlos.

Our January Quito Mindo real estate tour is full but there is still time to join this tour in February.

Enroll in our Quito / Mindo Ecuador Real Estate Tour here. $499. Couple  $749.

Join us at a seminar or tour to share ways to invest, do business and live that protect as they provide joy, satisfaction, better health and enhanced wealth.

Join us in February or March.Feb. 11-14   Quantum Wealth Florida -International Investing & Internet Business, Mt. Dora, Fl.

February 15-16 Travel to Quito and tour Quito

February 17     Travel Quito to Manta

February 18-19  Manta & Mid Coast Real Estate Tour

February 20 Travel Manta to Cotacachi

February 21-22 North Andes, Imbabura & Cotacachi Real Estate Tour

February 23-24  Quito & Mindo Real Estate Tour

February 25 Travel Quito Cuenca

February 26-27  Cuenca Real Estate Tour

March 2010

March 11-14     Super Thinking + Spanish Course, Mt. Dora, Fl.

March 15    Travel to Quito

March 16 Travel Quito Cotacachi

March 17-18  North Andes, Imbabura & Cotacachi Real Estate Tour

March 19-20    Cotacachi Shamanic Tour

March 21  Travel Cotacachi to Manta

March 22-23   Manta & Mid Coast Real Estate Tour

March 24 Travel Manta to Cuenca

March 25-26 Cuenca Real Estate Tour

March 27  Travel Cuenca to Salinas

Mar. 28-29   Salinas & South Coast Real Estate Tour

There is one week left to gain the largest savings on our Ecuador tours.

The Ecuador airfare war makes it cheaper to get to Ecuador than ever before… and there is still time to enjoy great Ecuador tour savings.

You enjoy discounts by attending multiple seminars and tours. Here are our multi tour adventure discounts.

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

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

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

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

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

Even Better.  Greater Savings. Our 2010 International Club membership allows you and a guest to attend as many of the 51 courses and tours we’ll sponsor and conduct in 2010  (fees would be $40,947 for all these courses individually) is only $2,999.

The International club fee rises to $3,500 January 25 2010. Enroll in the International Club now at the original fee of $2,999. Save $501 extra before January 25, 2010.

Because holiday expenses often tighten the winter cash flow, you can enroll with three monthly payments… $1,025 in January… $1,025 in February and $1,025 in March 2010.

If you join the International Club, the entrance fee for 2010 is $2,999 (until January 2010).  Your attendance fees at all courses will be waived. You and a guest of you choice can attend courses worth $40,947.You can calculate the savings as our schedule of all 2010 courses here.
International Club 2010 Membership $2,999 Enroll here

Quito Boutique Hotel Warning


Here is an important warning about one of Quito’s best boutique hotel…  the new Mansion del Angel.

A recent message at this site revealed the opening of perhaps the most luxurious boutique hotel in Quito.

Quito-Boutique-Hotel

The important warning is that the newly restored Mansion del Angel Quito boutique hotel is stunningly beautiful… but this is the new Mansion del Angel which replaces the previous boutique hotel of the same name.

Owners Michel Duer and Jorge Espinosa, (also owners of the ultra luxury Relais & Chateaux  La Mirage)  decided they wanted a larger, more luxurious boutique hotel in Quito so they moved from the old Mansion del Angel in the Mariscal Sucre area.

Here is an important tip… if you are going to Mansion del Angel, be sure to give taxi driver the new address… not the name of the hotel.  Provide only the hotel’s address so you’ll be sure the taxi driver does not take you to the former address in error.

The correct address of the New Mansion del Angel: Los Rios N13-134 y Pasaje Gandara, Quito, Ecuador.

This new address is near Alameda Park and is far from the previous location of their old Quito boutique hotel.

Take great care in getting the address correct because online maps and many of  the old reviews about Boutique Hotel Mansion del Angel currently have everything wrong. Google Map for example shows the correct placement on the map but gives the old, incorrect address.

The moving of the this luxury Quito boutique hotel provides the same elegant surroundings and service but in  a larger and grander building with a new address.

Quito-Boutique-Hotel

Every room from…

Quito-Boutique-Hotel

lobby… to

Quito-Boutique-Hotel

the restaurant, to the…

Quito-Boutique-Hotel

entrance defines elegance.

See the new Quito Boutique hotel Mansion del Angel at Quito Boutique Hotel.

Learn how to enjoy discounts and free upgrades at hotels in Quito and throughout Ecuador at Ecuador Hotel Discounts.

Gary

Join our January Ecuador tours.

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

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

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

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

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

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

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

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

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

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

International Club 2010

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

International Club 2010 Membership Enroll here

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

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

Join us in February or March.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

International Club 2010 Membership Enroll here

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

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

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

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

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

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

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

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

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

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

Gary

International Club 2010 Membership  Enroll here

Ecuador Hotel Discounts


Ecuador hotel discounts are available to Ecuador Living subscribers.  The Ecuador hotel savings can be much more than the subscription cost.

We receive comments like this continually.

“Gary & Merri  Wow, — My daughter and I are coming to Ecuador next week. I checked the Radisson prices and did not appreciate the good deal you provided us in the past.

May I still book those rooms at Gary Scott prices through you?   As you may know we bought a house on the beach in San Clemente, however we still intend to take your “new” tours just for the fun of it.  Your assistance is greatly appreciated. Thank you.”

The reply is that our Ecuador Living subscribers receive Ecuador hotel discounts across Ecuador.

Subscribers are entitled to a free nights stay at both Ecuador hotels Meson de las Flores in Cotacachi. (the fourth night is free the first time three nights are booked).

Cotacachi hotel Meson de las Flores is…

right on the main Cotacachi plaza.

The foundations of this building were started here over 180 years. Here is the entrance.

The inner courtyard is open and this (plus an inside dining area) where meals are served.

Five minutes away is the Cotacachi Garden Hotel & Spa La Mirage a Relais and Chateuax Spa.  La Mirage offers Ecuador Living subscribers who stay a complimentary bottle of sparkling wine and free room upgrades… plus a reduced room rate.

Ecuador Living subscribers also receive reduced rates and free upgrades at the luxury Quito boutique hotel Mansion del Angel, perhaps the most luxurious boutique hotel in Quito.

Quito-Boutique-Hotel

The Ecuador Palmazul Boutque Hotel & Spa is in San Clemente on Ecuador’s coast.

The ordinary room rate is $ 117 + 22% taxes and including breakfast.

For Ecuador Living subscribers a single room with breakfast is $ 60 + 22% taxes.  A double room with breakfast is $ 90 + 22% taxes.

ecuador-sea-real-estate

This is the Palmazul Boutique Hotel and Spa dining room on the Ecuador beach.

ecuador-sea-real-estate

Other Ecuador hotels that currently provide discounts to subscribers include the Radisson in Quito Ecuador.

In Cuenca Ecuador three hotels & hostels offer discounts to our subscribers.

Boutique Hotel Mansion Alcazar.

Cuenca’s Boutique Hotel Mansion Alcazar is luxurious inside.

ecuador-business-hotel

This is true luxury.

ecuador-business-hotel

Villa Nova Inn

The five star hostel Villa Nova Inn in Cuenca Ecuador is open and offers a savings opportunity for you.

cuenca-ecuador-hostel

This is an attractive location overlooking Cuenca’s Tomebamba River and directly across from Parque de la Madre (Mother’s Park).

cuenca-ecuador-hostel

El Dorado Hotel

Cuenca-hotel

Here is a shot of a Cuenca El Dorado…

Cuenca-hotel

Plus we will soon offer discounts in Loja, Guayaquil, Manta and Vilcabamba Ecuador.

See more about Ecuador Living subscription here.

Gary

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

Jan.   8-11     Ecuador Export Tour $499 Couple  $749

Jan. 13-14     Imbabura Real Estate Tour   $499 Couple $749
Jan. 15-18     Coastal Real Estate Tour $499 Couple $749
Jan. 19-20    Quito-Mindo Real Estate Tour  $499 Couple $749
Jan. 21-23    Cuenca Real Estate Tour  $499 Couple $749

Enjoy extra savings with our special early bird fees (if you enroll in November 2009)

Join us in February or March.

Feb. 11-14   Quantum Wealth Florida -International Investing & Internet Business, Mt. Dora, Florida ($749) Couple $999

Feb. 15-16   Travel to and visit Quito
Feb  17         Travel to Manta
Feb. 18-19   Coastal Real Estate Tour   $499 Couple $749 or discounted fee for multiple tours below.
Feb. 20        Travel to Cotacachi
Feb. 21-22   Imbabura Real Estate Tour  $499 Couple $749 or discounted fee for multiple tours below.
Feb. 23-24  Quito-Mindo Real Estate Tour $499 Couple $749 or discounted fee for multiple tours below.
Feb. 26-27  Cuenca Real Estate Tour  $499 Couple $749 or discounted fee for multiple tours below.

Mar. 11-14     Super Thinking + Spanish Course, Mt. Dora, Florida $749 Couple $999

Mar. 15-16    Travel to Quito and Andes
Mar. 17-18     Imbabura Real Estate Tour   $499 Couple $749 or discounted fee for multiple tours below.
Mar. 19-20    Cotacachi Shamanic Tour      $499 Couple $749 or discounted fee for multiple tours below.
Mar. 22-23    Coastal Real Estate Tour        $499 Couple $749 or discounted fee for multiple tours below.
Mar. 25-26    Cuenca Real Estate Tour        $499 Couple $749 or discounted fee for multiple tours below.

Enjoy extra savings with our multi tour adventure packs.

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

See our entire 2010 seminar and tour schedule here