Tag Archive | "real estate"

Ecuador Real Estate Closing Details


Dr. Andres Cordova shares an update on real estate closing costs in Ecuador.

andres cordova

Dr. Andres Cordova

CLOSING COSTS IN ECUADOR

For those of you who are considering purchasing a property in Ecuador, I am providing an overview of the closing process and of the approximate closing costs involved.

Closing costs are relatively low in Ecuador, at about 1.5% to 2% of the purchase price. These expenses consider transfer taxes and notary, registrar and lawyer fees. There may be other expenses to consider such as travel costs.

A lawyer must be involved in the closing. Beyond possibly participating in negotiations on your behalf, she/he will need to source and review all pertinent documents, including a copy of the current property title, a certification from the real estate registry and the property taxes payment receipt for the year of the closing. Other documents may be required depending on the circumstances. For example, those to assess if a house or condo is up to date on HOA fees and the like.

The review of these documents will provide thorough information on the status of the property and will allow the lawyer to prepare the purchase deed and coordinate as needed. It is essential to verify that the property holds no limitations, claims or encumbrances.

Taxes must be paid before the closing takes place at the notary. It is customary in Ecuador for the buyer to bear with all closing costs with the exception of capital gains tax. In some cases buyer and seller can agree otherwise. In any such case I strongly recommend there be a record of any such agreement. It can be in an email for example. The deed will need to state who pays for expenses as per any such agreement, to avoid misunderstandings.

The taxes to be paid are “alcabalas” (sales tax) and capital gains tax (for urban properties). Sales tax will be of 1% of the recorded amount for the closing. Capital gains tax (Plusvalía in Spanish) will be 10% of the difference between the closing amount and the one recorded in the original title or the municipal assessment (which will be stated in the receipt for property taxes).

For capital gains tax there is a deduction of 5% for each year that’s passed between the issuance of the title for the seller and the current closing.

Expenses at the notary will vary in relation to the purchase price stated in the deed and to the number of documents and copies being processed. A closing on a $60,000 property will cost approximately $320, a $90,000 property $540 and a $150,000 one $800. These are ballpark figures.

Once the closing takes place the deed must be recorded in the real estate registry. Only then, after such deed has been so recorded, can ownership rights be fully had and exercised.

Real estate registries will also charge upon the stated amount for the transaction. A $100,000 closing may pay approximately $250 in some jurisdictions and up to $550 on others. Real estate registries are ascribed to each municipality and they, in turn, have the legal capacity to set registration fees. This is why there can be important variations.

It should be noted that senior citizens and any citizen with a disability can be subject to exceptions and reductions in fees and taxes. Payments in notaries can go down by 50%. The scope or pertinence of reduction in Municipal taxes will need to be assessed for each case.

Lawyer fees will vary in relation to the lawyer engaged and the scope of the needed services. A closing can be quite straightforward or may need substantial work. For example, there may be many sellers and coordination with each may need to ensue. The property may be mortgaged and a lifting of the mortgage may need to be arranged for at the time of the closing. Powers of attorney (POA) may need to be furnished. Repairs or improvements may need to be negotiated and formally agreed to. Etc.

Lawyer fees will likely start in the $400 – $600 range. I charge $600 in most cases. Lawyer fees should be clear and agreed beforehand.

There may be other expenses to consider, such as the issuance of POAs, etc. A POA may cost between $100 and $150 with notary costs included. A purchase agreement may be needed too, if the closing will take place at a future date and or upon certain conditions.

Closing costs in Ecuador are quite reasonable. Property taxes and HOA fees (where applicable) are so too.

If you have any questions regarding the process for the purchase of real estate in Ecuador or any Ecuador – related question for that matter, please let us know. We are here to help.

Stay safe,

Andrés Córdova

Spanish words:
Purchase – Compra
Taxes – Impuestos
Agreement – Acuerdo
Negotiation – Negociación
Discount – Descuento

Why You Can Learn Spanish in Three Days

You can learn Spanish in a day, or a week, month or any time frame that works for you.

I’m Gary Scott.  Over fifty years ago I started a business that has helped hundreds of thousands of subscribers learn about investing in Hong Kong (1960s and 1970s), Switzerland, London, Isle of Man (1970s and 1980s) and across Europe. My wife Merri and I took thousands on investing tours to these countries.

In the 1990s we began taking investors to Panama, Mexico, the Dominican Republic and Ecuador.  That’s when we realized an incredible need for an easy, super fast way to learn Spanish.  Our delegates were business people with hard schedules and tight deadlines.  They did not have months, or even weeks to learn a second language.

Plus, even though these delegates were successful international business people, most did not have degrees in grammar.  When it came to sentence structure, punctuation rules, parts of speech, morphology and especially derivation of verbs, they were at a loss. They wanted good basic ways to communicate in Spanish that worked and sounded eloquent, right now, without having to become educated in grammar.

Fortunately there is a scientific method of learning (called Super Learning) that was created and refined by a Soviet educational master, Georgi Lozanov.   Lozanov transformed the entire Soviet Union’s educational system to such a degree that this third world nation beat the USA into space.

My wife Merri was lucky to be one of a handful of students outside the Soviet Union who were taught this system by Lozanov himself in the early 1970s.  She practiced this unique and remarkable form of education for decades so we used it to create a Super Spanish course that has helped thousands of subscribers learn Spanish in three days and less.

This course is now available online.

spanish

Merri teaching a Super Spanish course in Florida.

Does it sound impossible to learn Spanish in three days?  Yes, it is impossible when you try to learn Spanish in the old, traditional way, but the scientific Super Learning method of learning… proven and described in numerous best selling books creates educational jumps by making education natural, easy and fun.   This course works because it is education without stress!

How The Course Works

The first tactic is to use Baroque music to create Relaxed Concentration 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 Soviet educational master, Dr. Georgi Lozanov.

You gain six valuable ONLINE Baroque Relaxed Concentration Sessions in the online course that is delivered via the internet.

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

Here is the proof.

“Most words in English that end in ION are almost identical, just pronounced differently. 

For example action is accion.

Education-educacion.

Manipulation- manipulacion, etc.”

There you have it.  How long did it take you to read these four sentences? 

Ask yourself.  “How many words do you know that end in ION”.

You now know all these Spanish words that you will never forget.

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

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

The third lesson teaches almost as many verbs, almost as quickly.

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

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

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

In an incredibly short time you feel comfortable speaking Spanish.

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

I was amazed by this as I traveled back and forth from the USA to Ecuador.  The longer I was away from Ecuador… the better my Spanish became.  My second language was automatically improving.  The self improving feature comes because you learn to create Spanish sentences rather than remember them.

The portion of the brain that creates is more powerful than the portion that recalls.  When your mind creates something… it owns it!  You do not have to remember .

During the course you learn 4005 Spanish words that you already know.   This eliminates the need to memorize 99% of Spanish words.

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

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

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

Due to the difficulty of getting groups together to learn this valuable technique, we created an online program for subscribers to use the Super Spanish course at home.   The normal three day in person course fee is $499 ($749 for a couple).

The ONLINE course is available at the highly reduced price of $149, but in this special offer we are knocking another $70 from the price so you can start now for only $79.  

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

Learn Spanish online $79 - using coupon code SPANISH70 at checkout to immediately save $70 off the regular price of $149.

Here are some testimonials from the course.

Here are a few quotes from delegates of the course.

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

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

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

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

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

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

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

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

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

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

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

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

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

The course is available at the highly reduced price of $149, but in this special offer we are knocking another $70 from the price so you can start now for only $79.  

Learn Spanish online $79 - using coupon code SPANISH70 at checkout to immediately save $70 off the regular price of $149.

Still not sure?

Take just ten minutes to let me prove to you that this super fast way to gain the basics can let you can communicate in Spanish in an incredibly short time.

Gary

Gary-scott-super-spanish

Click here for FREE Super Spanish video.

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

The course is available at the highly reduced price of $149, but in this special offer we are knocking another $70 from the price so you can start now for only $79.  

Learn Spanish online $79 - using coupon code SPANISH70 at checkout to immediately save $70 off the regular price of $149.

 

How to Move Your Anchor of Value


Mental flexibility will be a key ingredient in gaining prosperity, but how can we let go of the lessons we have learned in our lives?

Let me give you a real… in the here and now example to show you how I am trying to screw down through data to be fast (in my mind and on my feet) with real estate investing.

You might not be interested in real estate at all, but you should take heed of lessons on how to filter through huge amounts to reach levels of information that you can process and use.

In this real live example, I’m looking at whether to invest in more real estate and where.

If you have been tuning into our website for any length of time you know that Merri’s and my passions flow mostly to writing and real estate.

We love looking at real estate, finding exactly the right place (for us), fixing it up and renting it out or moving it along (hopefully at a much higher price).

Prices of the types of houses we had been buying, in the area where we had been picking them up, had started rising a lot before the pandemic. ? This is nice in one way because we own a bit (all rented out) already.? Not so nice in that prices no longer make sense for buying to rent and quite a few builders were competing on buying to fix and resell.

Not at all like the good old days of 2010!

Here’s the question.? Do we buy now expecting prices to keep rising or wait for prices to fall?? This takes some filtering to put our mental agility to work.

A June 1, 2020 article in USA Today, “Where and how to buy homes evolving” (1) shows that home sales are down right now.

Mortgage applications dropped 25% in April as compared to the month before, and were 12% below their total during the same month last year, as stay-at home mandates reached their peak, according to the Mortgage Bankers Association.

This suggest that on a national level sales are down. ? Like the last recession, prices should start following these trends.? If so we should wait to invest in more property.

The article however also says: Then the coronavirus hit, shuttering open houses, delaying deals, and causing would-be buyers to push pause as they worried about their health and the fate of their jobs.

Now, applications to buy a home are again on the rise as states lift orders to stay inside. But the pandemic has altered how residential property is bought and sold, changes that arena likely to disappear any time soon and that could reshape the American dream long after the current crisis has passed.

The new reality will greet many of the buyers and sellers easing back into a thawing market.

But milennials remain eager to buy a place of their own, experts say. And with interest rates hovering at 3.41%, a near record low, a housing rebound could start as soon as this summer.

You still have a lot of households at the point where they are interested in home buying,? says Mike Fratantoni, chief economist for the MBA.? As some states have begun to reopen, weve seen a rapid pickup and … very strong growth in purchase applications. And now we’re running only about 10% behind where we were last year.?

In Texas, North Carolina and Georgia, purchase applications have actually risen in comparison to 2019. And Fratantoni expects home sales for all of 2020 to be only 2% below last year.

The National Association of Realtors is slightly less optimistic about this years forecast, predicting home sales will be 10% to 15% lower than 2019.

So on a national level maybe prices won’t drop if demand picks up fast enough.

Yet what about the high US unemployment we reviewed in yesterday’s message?? Won’t high unemployment stymie demand for houses.

I am taking this into account.

The article continues to help me refine: A growing number of those sales might be in less crowded communities.

A survey by NAR found that 5% of members said the coronavirus pandemic was causing their clients to shift their sights away from cities to the suburbs.

And 13% said the virus had made buyers prioritize a different home feature, such as a home office, or extra room where relatives could stay, as they considered what property to buy.

This would certainly help explain why prices have remained strong where we have been buying in Smalltown USA, but near enough to big cities.

This helps me understand that despite the pandemic, the recession, the stock market crash, the unemployment, house prices, in the area that I know, might still have a strong demand.

This knowledge, along with my deep experience in pricing real estate in this area for a decade can help me make decisions and quickly scoop up properties that appear to be good value, while other investors might decide to wait.

This is how I am trying to look through the mess of this turmoil… take in the big news, shift to the local and then relate the local to specifics that relate directly t me and my experiences.? In this way I can find data that I trust that is real and useful and can help me adapt my thinking.

We live in a turbulent world and can expect rapid change, hidden agendas, lots of undependable news and huge shifts in ways we live.? When we are caught in the currents of such rapid change having mental agility to help us pull up and reset our anchors of value so we remain comfortable, happy, steady and secure.

Gary

Gain From Pandemics – Riots & Election Volatility

On top of the pandemic… and the riots, another election on its way… all the robo calls from politicians… the dirty tricks and the innumerable amounts of nonsense this vital process brings.

However America’s politics turn out, one thing is sure, there will be volatility in stock markets during the election process.

The first reason markets will bounce has nothing to do with politics or policies.   A market correction was due regardless of the party or the person in office and COVID-19 was a pretty good excuse for it to suddenly drop.  Expect plenty more volatility.  Whether the economy recovers slowly or quickly, history suggests that the US market will do a lot of moving up and down.

Second the new politics has created an uncertain era.  Everyone has been shaken over the past three years whether they are pleased with the government or not.

Nothing frightens markets like uncertainty. 

What more could we ask for… an uncertain COVID-19 future and riots in 30 major cities.

Well interest rates could be a dark horse.  I the massive government handouts create inflation, interest rates will rise and rising interest rates will push stock market prices down.

Despite these pitfalls, there is a way to profit using the strong US dollar and undervalued non dollar stock markets to pick up good value shares.

During nearly five decades of global investing I have noticed found that good value strategies are the best way to profit long term, through good politics and bad.  The steps to take are simple.

The first tactic is to seek safety before profit.

We can look at Warren Buffett’s investing strategy as an example.  Buffett success is talked about a lot, but rarely does anyone explain how he make so much money.  That was the fact until some researchers really stripped his operation bare.  They looked at everything and learned the deepest of Buffett’s wealth management secrets.  Fortunately they published all in a research paper at Yale University’s website. that reveals important truths about extending wealth.

This research shows that the stocks Buffett chooses are safe (with low beta and low volatility), cheap (value stocks with low price – to – book ratios), and high quality (stocks of companies that are profitable, stable, growing, and with high payout ratios).

The second tactic is to maintain staying power.  At times Buffet’s portfolio has fallen, but he has been willing and able to wait long periods for the value to reveal itself and prices to recover.

A 45 year portfolio study shows that holding a diversified good value portfolio (based on a  good value strategy) for 13 month’s time, increases the probability of outperformance to 70%.

However those who can hold the portfolio for five years gain a 88% probability of beating the bellwether in the market and after ten years the probability increases to 97.5%.

Time is your friend when you use a good value strategy.  The longer you can hold onto a well balanced good value portfolio the better the odds of outstanding success.

The Buffett strategy integrates time and value for safety and profit.

A third tactic is using limited leveraging, tactic in the strategy boosts profit.  Buffett leverages his portfolio at a ratio of approximately 1.6 to 1.   The Yale published research paper shows the leveraging methods used by Warren Buffett to amass his $50 billion fortune.  The researchers found that the returns from Buffett’s investment company, Berkshire Hathaway, far outweighed those achieved by any rival that has operated for 30 years or more.  The research shows that neither luck nor magic are involved.  Instead, the paper shows that Buffet’s success hinges on using leverage at the rate of 1.6.

To sum up the strategy, Buffet uses limited leverage to invest in large purchases of “cheap, safe, quality stocks”.  He limits leverage so he can hold on for very long periods of time, surviving rough periods where others might have been forced into a fire sale or a career shift.

Stated in another way buffet uses logic (buy good value) to have the conviction, wherewithal, and skill to invest with leverage over many decades.

What do we do when we are not Warren Buffett?

May I introduce the Purposeful Investing Course (Pi) for those who want to invest like Warren Buffet, but know they are not.  This course is based on my 50 plus years of investing experience combined with wisdom gained from some of the world’s best investment managers and economic mathematical scientists.

Enjoy Extending Wealth

Pi’s mission is to make it easy for anyone to create a three point strategy, like Buffett’s even though they do not have a lot of time for or knowledge about investing.

Pi reveals investing secrets and the sciences that make investing easy, safer, less time consuming and increases the chances of profit.

One secret is to invest with a purpose beyond the cash.  One tactic as mentioned is staying power.  This means not being caught short and having to sell during a period of loss.  This also means having enough faith in a strategy that we stick to the plan.  When we invest with purpose, doing what we love, we enjoy the process more and are more likely to hold on during down times, when most poor investors panic and sell.

Slow, Worry Free, Good Value Investing

Stress, worry and fear are three of an investor’s worst enemies.  They create the Behavior Gap, a trait exhibited by most investors, that causes them to underperform any market sector they choose.  The behavior gap is created by natural human responses to fear.   Pi helps create profitable strategies that avoid losses from this gap.

Spanning the Behavior Gap

Behavior gaps are among the biggest reasons why so many investors fail.  Human evolution makes fear the second most powerful motivator.  (Greed is the third.)  Fear creates investment losses due to behavior gaps.  Fear motivates us more strongly than desire.  By nature investors are risk adverse.

Winning investors though embrace risk because they have a plan based on good value.

Purpose is the most powerful motivator,  stronger than fear and greed, so a strategy with purpose is the most powerful of all.

Combine your needs and capabilities with good value secrets and the math to back up your value selections through the Pifolio – The Pi Model Portfolio

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 (often created by someone with vested interests) and is based entirely on good math.

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

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 follow this research of a brilliant mathematician and have tracked this analysis for over 20 years.    This is a complete and continual study of international major and emerging stock markets.

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.

A country ETF provides diversification and cost efficiency by spreading one simple, even small investment into a basket of equities in a good value stock market.  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 matches this mathematical certainty with my fifty years of experience. This opens insights to numerous long term cycles that most investors miss because they have not been investing long enough to see them.

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

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

The circumstances that created fortunes 30 years ago were an overvalued US market (compared to global markets) and an overvalued US dollar.

The two conditions are in place again!  There are currently ten good value (non US) developed markets,  plus 10 good value emerging markets.

Pi shows how to easily create a diversified, worry free portfolio in some of these good value markets using Country Index ETFs.

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.  There is so much more to write and the trends are so clear that I have created a short, but powerful report “Three Currency Patterns For 50% Profits or More.”   This report shows how to earn an extra 50% from currency shifts with even small investments.  I kept the report short and simple, but included links to 153 pages of  Good Value Stock Market research and Asset Allocation Analysis.

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

This report sells for $29.95 but you’ll receive the report “Three Currency Patterns For 50% Profits or More” FREE when you subscribe to Pi.

Leverage

Pi also explains when leverage provides extra potential without undo risk.  For example in 1986 I issued a report called “The Silver Dip” that showed how to borrow 12,000 British pounds (at almost 1.6 to 1 dollars per pound the loan created US$18,600) and use the loan to buy 3835 ounces of silver at around US$4.85 an ounce.

Silver had crashed, I mean really crashed from $48 per ounce.  As prices decreased from early 1983 into 1986, total supply had fallen to 449.7 million ounces in 1986.  Mine production was restricted by the low prices at this time, with silver reaching a low for this period of $4.85 in May 1986.  Secondary recovery also was constricted by these low prices.

Then silver’s price skyrocketed to over $11 an ounce within a year.  The $18,600 loan was now worth $42,185.

The loan was in pounds and in May 1986 the dollar pound rate was 1.55 dollars per pound.  So the 12,000 pound loan purchased $18,600 of silver.  The pound then crashed to 1.40 dollars per silver.  The loan could be paid off for $13,285 immediately creating an extra $5,314 profit.  The profit grew to $47,499 in just a year.

Conditions for the silver dip have returned.  The availability of low cost loans and silver are at an all time low.  The price of silver has crashed from nearly $50 an ounce to below $14 as did shares of the iShares Silver ETF (SLV).

Now the SLV price is taking off!

silver slv

iShares Silver Trust (symbol SLV) from www.finance.yahoo.com

Imagine investing in a spike like this… with leverage!

At the same time the silver gold ratio has sot well past 80, a strong sign to invest in precious metals.

I have updated a special report “Silver Dip 2019” about a leveraged silver speculation 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 gained through 30 years of speculating and investing in precious metals.  While working on the report, when the gold silver ratio slipped to 80 and the price of silver dropped below $14 an ounce, I knew I needed to share this immediately.

I released a new report “Silver Dip 2015” so readers were able to take advantage of these conditions and leverage 1.6 times as a speculation.  That report generated profits as high as 212% and a revised 2019 issue has been produced.

“The Silver Dip 2109”  sells for $39.95 but  you receive  “Silver Dip 2019” FREE when you subscribe to Pi.

Save

Subscribe to the first year of The Personal investing Course (Pi).  The annual fee is $299, but to introduce you to this online, course that is based on real time investing, I am knocking $102 off the subscription.  Plus you receive the $29.95 report “Three Currency Patterns For 50% Profits or More” and the $39.95 report “The Silver Dip 2019” free.

Triple Guarantee

Enroll in Pi.   Get the first monthly issue of Pi, and the report “Three Currency Patterns For 50% Profits or More” and “The Silver Dip 2019” right away.

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

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

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

#3:  I guarantee you can keep “Three Currency Patterns For 50% Profits or More” and “The Silver Dip 2109” report as my thanks for trying.

You have nothing to lose except the fear.   You have the ultimate form of financial security to gain.

Subscribe to the Pi for $197.   You Save $158.95.

Your subscription will be charged $299 a year from now, but you can cancel at any time.

Gary

 

 

 

(1) Rebuilding America; where and how to buy homes evolving

Beware of Panama’s Triple Dipping


Watch out for the dangers of triple dipping any time you consider buying real estate… anywhere.

Recently I offered one of our rentals in Mt. Dora for sale.  We immediately received a site unseen offer at a reasonable price, but with some vague wording in the offer about inspection and insistence in using an out of state escrow agent.

We turned the offer down.  We know the trick.  This buyer simply wanted to tie up the property while he (or she) looked for another buyer at a higher price.

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A Panama house with three prices.

There is trickery in real estate dealings everywhere.

When we conducted Ecuador real estate tours, we always warned those with us to beware of “Ecuador triple dipping”.  Triple dipping is where the broker offering the property for sale stands between the seller and the buyer.  The broker increases the price the seller really wants (and keeps this difference) PLUS charges both the seller and buyer a commission.

This is why Merri and I always recommend to visit first… rent second and buy third after you have had time to make sure wherever you are is the place for you and get to know property values and the people selling property.

In addition when you buy…  ALWAYS APPOINT YOUR OWN INDEPENDENT ATTORNEY.  I cannot express the importance of this action.

The same warnings are true for buying real estate in Panama.

Our friend Jackie Lange of Panama Relocation Tours sent us this note.

Beware of NET Listings in Panama

In Panama, some things are done in a different way than you are familiar with. A good example are real estate sales and rental listings.  In Panama, it’s common to see the same house listed at several different prices with different agents. Sometimes the “spread” can be as much as $100,000 difference for the same house!

In North America, most houses for sale are listed as an exclusive listing. This means that one real estate office as the exclusive right to market the property. If that same office finds a buyer, they will typically make about a 6% commission. If an agent from a different office produces a qualified buyer, the “listing” agent will usually agree to split the 6% commission. In North America, a real estate agent has a fiduciary responsibility to the seller/buyer so all the dealings for the transaction are revealed “on top of the table.”

There are some exclusive listings in Panama too. But most listings are NOT exclusive. Instead, the seller has agreed to pay a commission.

Read the entire warning about real estate NET Listings in Panama here

Gary

Why You Can Learn Spanish in Three Days

You can learn Spanish in a day, or a week, month or any time frame that works for you.

I’m Gary Scott.  Over fifty years ago I started a business that has helped hundreds of thousands of subscribers learn about investing in Hong Kong (1960s and 1970s), Switzerland, London, Isle of Man (1970s and 1980s) and across Europe. My wife Merri and I took thousands on investing tours to these countries.

In the 1990s we began taking investors to Panama, Mexico, the Dominican Republic and Ecuador.  That’s when we realized an incredible need for an easy, super fast way to learn Spanish.  Our delegates were business people with hard schedules and tight deadlines.  They did not have months, or even weeks to learn a second language.

Plus, even though these delegates were successful international business people, most did not have degrees in grammar.  When it came to sentence structure, punctuation rules, parts of speech, morphology and especially derivation of verbs, they were at a loss. They wanted good basic ways to communicate in Spanish that worked and sounded eloquent, right now, without having to become educated in grammar.

Fortunately there is a scientific method of learning (called Super Learning) that was created and refined by a Soviet educational master, Georgi Lozanov.   Lozanov transformed the entire Soviet Union’s educational system to such a degree that this third world nation beat the USA into space.

My wife Merri was lucky to be one of a handful of students outside the Soviet Union who were taught this system by Lozanov himself in the early 1970s.  She practiced this unique and remarkable form of education for decades so we used it to create a Super Spanish course that has helped thousands of subscribers learn Spanish in three days and less.

This course is now available online.

spanish

Merri teaching a Super Spanish course in Florida.

Does it sound impossible to learn Spanish in three days?  Yes, it is impossible when you try to learn Spanish in the old, traditional way, but the scientific Super Learning method of learning… proven and described in numerous best selling books creates educational jumps by making education natural, easy and fun.   This course works because it is education without stress!

How The Course Works

The first tactic is to use Baroque music to create Relaxed Concentration 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 Soviet educational master, Dr. Georgi Lozanov.

You gain six valuable ONLINE Baroque Relaxed Concentration Sessions in the online course that is delivered via the internet.

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

Here is the proof.

“Most words in English that end in ION are almost identical, just pronounced differently. 

For example action is accion.

Education-educacion.

Manipulation- manipulacion, etc.”

There you have it.  How long did it take you to read these four sentences? 

Ask yourself.  “How many words do you know that end in ION”.

You now know all these Spanish words that you will never forget.

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

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

The third lesson teaches almost as many verbs, almost as quickly.

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

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

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

In an incredibly short time you feel comfortable speaking Spanish.

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

I was amazed by this as I traveled back and forth from the USA to Ecuador.  The longer I was away from Ecuador… the better my Spanish became.  My second language was automatically improving.  The self improving feature comes because you learn to create Spanish sentences rather than remember them.

The portion of the brain that creates is more powerful than the portion that recalls.  When your mind creates something… it owns it!  You do not have to remember .

During the course you learn 4005 Spanish words that you already know.   This eliminates the need to memorize 99% of Spanish words.

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

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

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

Due to the difficulty of getting groups together to learn this valuable technique, we created an online program for subscribers to use the Super Spanish course at home.   The normal three day in person course fee is $499 ($749 for a couple).

The ONLINE course is available at the highly reduced price of $149, but in this special offer we are knocking another $70 from the price so you can start now for only $79.  

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

Learn Spanish online $79 - using coupon code SPANISH70 at checkout to immediately save $70 off the regular price of $149.

Here are some testimonials from the course.

Here are a few quotes from delegates of the course.

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

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

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

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

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

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

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

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

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

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

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

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

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

The course is available at the highly reduced price of $149, but in this special offer we are knocking another $70 from the price so you can start now for only $79.  

Learn Spanish online $79 - using coupon code SPANISH70 at checkout to immediately save $70 off the regular price of $149.

Still not sure?

Take just ten minutes to let me prove to you that this super fast way to gain the basics can let you can communicate in Spanish in an incredibly short time.

Gary

Gary-scott-super-spanish

Click here for FREE Super Spanish video.

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

The course is available at the highly reduced price of $149, but in this special offer we are knocking another $70 from the price so you can start now for only $79.  

Learn Spanish online $79 - using coupon code SPANISH70 at checkout to immediately save $70 off the regular price of $149.

 

 

Know Your Zone


Here’s a thought about investing.

Bulls Make Money, Bears Make Money, Pigs Get Slaughtered

Every recession creates numbers of reasonably safe pockets of opportunity.

That’s why for the last decade I have been writing about real estate opportunity in Mt. Dora Florida and Ashe county North Carolina.

In Mount Dora, I have especially seen enormous similarities.  This is a charming town sandwiched between Tampa, Orlando and Jacksonville.  Being the highest city in Florida, it has minimal flood risk and is one of the safest areas from hurricanes.

The big growth news is that the multi billion dollar Wekiva Parkway program that creates a ring road around Orlando has a major exit (x marks the spot) at Mt. Dora.

mt dora

When complete this parkway will make Mt. Dora accessible for comuting to millions who now own homes in the more crowded and higher priced Orlando area.

Merri and I began buying houses to rent about a decade ago and we have now been selling part of that portfolio of houses.

That fact that the sales make sense to Merri and me, despite the fact I think there is still enormous growth opportunity, can help clarify the importance “doing what you love” and “knowing your zone”.

Here’s the recent history of a property we owned.

We bought a house in the Mt. Dora Country Club on Park Forest Blvd. at $140K. We  added a roof for $10K and rented the house for five years at $1,300 a month.

We sold it in 2019 for $226,000.

The buyer fixed it up and put on market last week at $334,000. It went under contract in just four days.

Did we make a mistake… or we smart knowing our zone.

Our zone is buying dirty houses we like and cleaning, painting with minimal major fix up.  That house was very out of date for the area.

The buyer who bought this house took front from this…

rental

to this.

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The living room was upgraded from this…

rental

to this.

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They fixed the kitchen from this…

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to this.

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The bathrooms were turned from this….

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to this.

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The back yard looked like this…

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and became this.

rental

The buyer definitely knew his (or her) zone… that of complete transformation.

One could think, “Look at all that profit we left behind!”

Merri and I do not think this way at all.  This big upgrade is NOT our zone.  We do what we love, looking at, finding and cleaning up residential properties.  We are not carpenters, electricians, plumbers, or decorators… as the buyers of this house obviously are.  And good at it as well.

Whatever you do… find the part that you love the most and are capable of handling without undue stress.

Remember, “Bulls Make Money, Bears Make Money, Pigs Get Slaughtered” so don’t worry about leaving some crumbs behind when you make an investment and take a profit.

You never go broke taking a profit.

When Merri and I look back at our real estate investments in London, in the Isle of Man, in Naples, Florida and Ecuador, we see some great profits.  But we see huge additional profits left behind as well.  If we had kept just four houses we owned and sold for millions in profit then, we would have have an extra five million or more that came after we sold.

Yet we do not regret having stayed in our zone.  First had we stuck in London, it would have been hard, if not impossible, to build the business we had in Ecuador or enjoy our years (and investments in Naples Florida) and Ecuador and Ashe County North Carolina and Mt. Dora.

We are writers and publishers who have always enjoyed writing about our global investments and travel.  That’s our first love. We love real estate too… as an investment… but in both instances… writing, publishing and real estate, we know our zone.

Turn your passion into profit. Figure out what you really love to do. Then find a zone that suits you that earns by being involved in your passion.

Gary

Surviving the Siren’s Song

Live Anywhere – Earn Everywhere

How to Gain Extra Freedom – While Almost Everyone Loses Theirs.

Mythology tells us that Sirens are beautiful, creatures, femmes fatales.  They lure us with enchanting, seductive songs into treacherous, always-shifting currents and shoals ready to rip the guts of our foundation from us.

siren

The last century of technology, from steams engines to quantum computers, is our Siren.  The song has brought us unbelievable freedom.

Yet the same technology that strips away the restraints created by time and space also provides tools for those who wish to bind us in other ways.

For example, technology used to track COVID-19 will increase government use of mass surveillance.

The nations use smartphones to track us. They  even receiving support from private tech companies, like Google and Apple, who would normally oppose such invasion of our privacy.

After all who would dare not help ease the pandemic?

The problem is, once a government gets its hand on such power, it rarely lets go.   The world will slide into permanently increased surveillance.

Although the current tracking efforts may appear entirely legitimate, many pose a risk to our rights to privacy and freedom of expression.  Imagine, big brother knowing where we are, where we have been, and who we have been in touch with, even what we have said.

Another Siren is the modern technology that allows goods to speed goods and people along in a global economy.   So to does it allow the bad to enter as we can now see so well.

The COVID-19 pandemic has proven this point!

Yet we should expect the world to get better.

We should and live and earn based on that this positive expectation.

However we should also live a lifestyle that prepares us for the bad times as well as good.

For example my family really used technology to make our businesses mobile and flexible.  At age 73, I work here in Florida reaching clients globally.  I can also work at our North Carolina farm or anywhere I have access to the internet.  I have been able to work every day right even having COVID-19.

gary scott

I can hike into the woods at our farm and be working if I should desire.

My webmaster lives thousands of miles away yet we easily run the business together.

My son, an attorney in England, was trapped in the Czech Republic when the airlines shut down.  He has been able to continue his normal work from a small rural town near Vienna.  His productivity has not been diminished at all.  It may have even improved.

My daughter who lives in England is working on a project in India.   The inability for her to travel has not stopped her.

Another daughter who runs a dance/drama/singing school for children saw her classes shut down but was quickly doing lessons for the kids via Zoom.

I explain how to live and earn this way in a comprehensive report I have written entitled “Live Anywhere-Earn Everywhere”.

We have created a lifestyle… so if the world goes really sideways… we will survive and prosper anyway.  We do not give up anything much.  We can enjoy the good parts of the new economy, as we protect ourselves from what can be bad.

This lifestyle is shaped by what we do, how we do it and where we live.

The COVID-19 pandemic will create innumerable new opportunities.  Many of them offer enormous income potential and they even work well (in some cases better) in disaster scenarios.

In my family’s example, we use technology to have virtual, global businesses. We use the internet.

Where we do it is from is places where we can also have a backup business that will thrive, without government interference, in troubled times.

Let me provide two simple, concrete example.  North Carolina and ginseng.  Florida and loquat.

Ginseng is a great health root.  The demand is growing especially in China.  At times good dried Ginseng sells for $1,000 a pound!  This is an incredible and easy crop to grow.   The less care you give it, the more valuable it can become.  Yet if everything goes south, the health qualities make it an excellent barter item.  Once you know what to do with ginseng, it’s easy to grow in your back yard in northern parts of the world.

Even better, one of the best kept secrets is that ginseng and 125 other medicinal crops, that are currently unsustainable, can be grown on land in North Carolina and a couple of dozen other states that is extraordinarily cheap, yet are especially uncrowded safe and healthy.

goldenseal ginseng

Ginseng we grew in our former North Carolina back yard.  I know about growing ginseng through experience and explain why and how in the report “Live Anywhere-Earn Everywhere”.

Loquats are another example of an easy to grow crop that help promote natural health.

loquats

Here I am by one of the many loquat trees at our Florida farm.

Loquats are a great fruit for making jam and such, but the loquat leaf has amazing medicinal qualities.  Its is a registered medicine in China and due to its anti viral and respiratory system enhancing qualities has an especially  growing demand right now.   The images below from Amazon.com show that the leaves sell for about a dollar per leaf!

I have many trees on the farm but started growing loquat seedlings last year.

loquat

I have been drinking a lot of home made loquat leaf tea during the pandemic.

The report “Live Anywere-Earn Everywhere” shows specific places that reduce your living expenses, easily increases your income, makes you smarter, healthier and provides tax benefits as well. 

Learn about these specific places in our “Live Anywhere – Earn Everywhere Report”.  More important learn what makes these places special and seven freedom producing steps that you can use to find other similar spots of opportunity.

Here are some of the experiences this report shares:

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).

Lowering taxes is vital now as the massive government spending during the COVID-19 pandemic will eventually lead to increased taxation.

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

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

  • Learn about the magic of the north facing slope.   This is where Merri and I live almost half of our time.  North facing mountain land is some of the least expensive in the world but has hidden values that the report reveals.  There is a lot of this land and a lot of hidden value that you can tap.   When we bought our Blue Ridge farm (252 acres) I mentioned this to my Swiss banking friend.  “That’s bigger than the entire village where I live!” was his response.  Smalltown USA offers a last chance at having a lot of space.  By living in two Smalltown places there are enormous tax advantages as well.  One step in the system saves Merri and me over $28,345 in taxes a year.

The report shows how to buy cheap north facing slopes and create an income producing tiny home for $29,000 or less.

If you lack the $29,000 to invest, a start up using tents is even less.  These are tipis we put up at our farm before we built our first tiny home.  Learn how they can create tens of thousands of dollars in income for you.

Fwd: gary-scott-tipis

  • See ways that small businesses like Tipi rentals can create BIG tax savings as well as extra income.  For more than 30 years Merri and I have enjoyed a strong six figure income, some years more, in the millions.  Yet there have been very few years when we had to pay federal income tax.  The report lays out a three structure program and how it is used when you are in school (up to age 30), then from 25 to 50, 50 to 70  and beyond 70.   Learn why Chapter C corporations and pensions can be better than the normally recommended Chapter S.  See how new mileage log rules gives you a possible opportunity to increase your tax deductions using IRS Form 4562.  Using a two-vehicle strategy you can gain $12,976 in new deductions even if you do not have to drive one mile further or spend one additional penny on your car.
  • See how a greenhouse can help you eat better and be healthier, plus provide income and a tax deduction and be funded by a government grant.

gary-scott-farming

Our North Carolina greenhouse.

gary scott greenhouse

Our Florida greenhouse.

  • There are similar benefits from having a second home office defined in IRS publication 463 and IRS publication 587, even if your desk is a dining room table.  The report also shows how your dining room table can become an actual income producer as its creates a huge tax deduction at the same time, not to mention a great place to eat, work and lay out plans for a brighter, safer more lucrative and enjoyable future.
  • Living in this environment is also healthier, economically as well as physically.  You’ll see in the report how researchers at Harvard found an amazing correlation between living in conditions found on north facing slopes, longevity and mental health.  The researchers were quite surprised by this strong correlation that also extended into mental health.  In addition to feeling better, reducing stress and having more Joie de Vivre the places outlined in “Live Anywhere-Earn Everywhere” can help you avoid hospitals, high cost disease management (aka health care) and BIG pharma while providing an investment opportunity in three plants that have some of the fastest growing demand in natural health care.  These three plants are just one of seven business opportunities that can create multiple streams of income.
  • How changes in cell phone and internet technology eliminated the need to be in one place.   An old law that creates new opportunity for small business in small towns is available to everyone.
  • Use the specific search and purchase guide.  Construction plans are included that show how to generate first tier income that leads to five, second tier avenues of earnings.
  • How to pay off old debt and avoid new debt by avoiding spurts and embracing value. 
  • Learn seven skills that will always have value.  See how to turn First Aid, medicinal plants, hospitality, food, trees, alternate energy and writing to sell into everlasting, low stress wealth.

merrily farms

This pond we developed at our farm gave us great pleasure but also helped create a safe, healthy food supply and created a tax deduction as well as it helped us develop a trout raising business.

trout

We sold these trout at a local butcher shop.

My Guarantee

This may be the most important report I have written in 50 years.  The information is certainly the most urgent.  Do not delay.  The risks are upon us right now and you’ll understand how the final steps of the alliance are taking place as you read the current news.

To take any risk out of gaining this urgent information with my full satisfaction or money back guarantee.  If you are not totally happy, simply let me know.  I guarantee you can ask for a full refund any time within 60 days and I’ll refund your payment in full, no questions asked.

You can keep the reports as my thanks for ordering it.

Buy Live Anywhere, Earn Everywhere Report  $39.99

 

 

Oceans 5 Peril & Profit


People love the ocean.

They love to be on the coast but the oceans are in peril.

We can take advantage of this fact!

Ecuador-energy

Merri and I lived in Naples Florida, (two blocks north of Naples pier) for 20 years.

In the beginning this was a perfect part of small town USA.  We walked the beach every morning.

We’d be among just a few early birds.  Sometimes I could hike from our street, 11th Ave. South, to Gordon’s Pass and back (about three miles) and not see another soul.

By the time we decided to move, we could no longer stand the crowds that had moved in.   There was a line of walkers… hundreds even thousands packing the sands in the A.M.

Red tide became an issue.

Traffic rose until we had to plan our day around being able to make right hand turns.

Merri and I are always trying to get out of the path of progress, but it seems to keep following us.

A decade ago we moved to Lake county Florida, right at the base of Ocala National Forest, living on acreage surrounded by farms.

That path (or progress) is following us though.

One reason Lake County Florida  is in the path of progress is the ocean.

Historically there were four named oceans in the world, which include the Atlantic Ocean, Pacific Ocean, Arctic Ocean, and the Indian Ocean.  Then, sometime along the way, someone carved out part of these waters and called it the Southern Ocean.  So now we have five… oceans.

Or you can call it one big ocean that covers 71% of the earth’s surface.  Whatever name we give this water its important to our survival and it’s in peril. 

Now according to a New York Times article (1) a report based on more than 7,000 studies has been written by more than 100 international experts and represents the most extensive look to date at the effects of climate change on oceans, ice sheets, mountain snowpack and permafrost.

That NYT article says: Climate change is heating the oceans and altering their chemistry so dramatically that it is threatening seafood supplies, fueling cyclones and floods and posing profound risks to the hundreds of millions of people living along the coasts, according to a sweeping United Nations report issued Wednesday.

“The oceans are sending us so many warning signals that we need to get emissions under control,” said Hans-Otto Pörtner, a marine biologist at the Alfred Wegener Institute in Germany and a lead author of the report. “Ecosystems are changing, food webs are changing, fish stocks are changing, and this turmoil is affecting humans.”

Hotter ocean temperatures, combined with rising sea levels, further imperil coastal regions, the report says, worsening a phenomenon that is already contributing to storms like Hurricane Harvey, which devastated Houston two years ago.

But the oceans themselves are becoming hotter, more acidic and less oxygen-rich as a result, according to the report. If humans keep pumping greenhouse gases into the atmosphere at an increasing rate,marine ecosystems already facing threats from seaborne plastic waste, unsustainable fishing practices and other man-made stresses will be further strained.

Let’s be clear… the oceans and earth are not in trouble.   Even if there’s a volcanic apocalypse, wandering star, gamma-ray burst, flipped magnetic field, or an asteroid collision, earth is likely to be here for another 3 to 7 billion years.

Even the big risks to life on earth are not likely for hundreds of thousands, millions or billions of years.   That’s time enough for NASA, Space X and its successors to find humanity a new home and ways to get there.

Who knows 10,000 or 50,000 or a million years from now the climate and oceans might have been hotter, then older and be right back to the current norm.

No one knows, so why worry!

What we do know is that mankind’s current social economic order is in the mire for now.  Warmer or colder temperatures changes coastlines, water distribution, and how we live, travel, transport goods and produce food.

We can see this in the news every day.  Take for example these few articles.

Global Warming Means Less Milk If Dairies Can’t Keep Cows Cool (2).  Rising temperatures pose one more problem for an already stressed industry.

U.S. farmers prep for global warming to threaten food production (3).   A growing number of America’s farmers are quietly preparing for a future in which rising global temperatures threaten their … These winter plants, like rye or barley, secure the soil and keep important nutrients from being washed away.

A radical decrease in greenhouse gas emissions is needed if farmers are to have time to prepare for major changes in rainfall that could decimate crops, researchers said in a report released on Monday. (4)

These shifts in economic patterns are causing billions of dollars of loss in real estate and also creates profit potential.

One of the greatest migrations in human history has been of people moving to US Coastal areas.

Today one in six Americans live in a county that borders the Gulf of Mexico or an ocean.

As sea levels rise, the cost of living, on or near the coast, will rise as well.   Taxes and insurance costs are bound to create a counter migration away from the coast.

Merri’s and my strategy to profit from these facts has been to buy houses that appeal to us which have a reasonable potential to return a decent income (and likely appreciate) in Lake County Florida around the city of Mount Dora.

Mount Dora is Florida’s highest city, situated on a plateau 184 feet above sea level and is an area considered to be the safest from hurricanes.

It is part of the  but is known for its small town charm as the city prohibits franchises in the downtown area and has many festivals, boutique shops and antique stores, museums, fine art galleries and monthly art strolls.

The town has a population of about 15,000 people, is part of the Orlando-Kissimmee, Florida Metropolitan Statistical Area and used to be an hours drive from Orlando.

The commuting time from Mt. Dora to Orlando is changing radically, due to the 1.7 billion dollar Wekiva expansion.  The road (literally paved with gold as far as I am concerned) connects Mt. Dora to Interstate 4.  The expansion started before the great recession, just kept going, and has never slowed down since it began.

Now the Wekiva  it has reached Mt. Dora.

mt dora

X marks Mt. Dora on the Wekiva Parkway.

An article at Floridatrend.com (5)  says: Work on the $1.7-billion Wekiva Parkway (SR 429) is under way northwest of Orlando, a milestone in developing the final link of a beltway around the urban core. Designed to take pressure off Interstate 4 through downtown, where commuters, tourists and truckers slow to a crawl during rush hour, the Wekiva portion of the toll road will span 25 miles. The highway also will draw at least some cars and trucks away from State Road 46, U.S. Highway 441 and smaller roads congested with commuter traffic between north Orange, Seminole and Lake.

Sanford, Mount Dora and Apopka will benefit from completion of the Wekiva section of the parkway, which will link the three faster growing cities in Seminole, Lake and Orange counties.

We watched an equivalent highway phenomenon take place three decades ago in Naples Florida.  Naples was a sleepy fishing village and winter resort that turned into an over priced home for the uber rich when I-75 was completed tying Naples to Tampa, Miami and Dade-Broward.

Our investments in Naples treated us well, and though I doubt that Mt. Dora prices will soar as they did in Naples, I do expect real estate in this area to see significant additional gains.  Prices of housing in the area are still very low compared to the cities around it.

The entire Wekiva Parkway is scheduled to be open to traffic in 2022.  This leaves three to four years of great opportunity.  Already billions of dollars of new housing, shopping centers, stores, hospitals and infrastructure have boomed up along the portions of the parkway that are done.

If you would like to know more about Mt Dora real estate send me a note at gary@garyascott.com with the words “Mt. Dora” in the subject line.  I’ll put you in touch with the broker who has helped me buy and sell almost two dozen properties in this area.

You can also learn more about Mt. Dora real estate in my report “Live Anywhere, Earn Everywhere” that’s described below.

Gary

Live Anywhere – Earn Everywhere

How to Gain Extra Freedom – While Almost Everyone Loses Theirs.  Profit from post COVID-19 trends.

I invite you to join Merri and me in expecting the world to get better… to live and earn based on that expectation but…  to also prepare for bad times as well as good.

Just in case… the world goes sideways… we will still survive and prosper.

We do not give up anything much.  We can enjoy the good parts of the new economy, as we protect ourselves from what can be bad.

For example in my report “Live Anywhere-Earn Everywhere”,  you’ll see how to make your dining room table bring you more control, more time, more income and more freedom.  After all, what can be more accessible than a dining room table?

ecuador-banks

Dining room tables we worked from (and we also sold the tables for a profit).

You’ll even learn how to turn dining room tables into income and tax deductions as we have with these dining room tables we build out of local wood.

Let me be clear.  I expect that the world will get better, at least for the few who adapt and avoid the dangers that the changes from the COVID pandemic will bring. 

The wealth of the world, albeit with inequality, will continue to grow.  This collapse of the global economy will bring an incredible new opportunity for those who know what to do.  Thes profit making avenues offer enormous income potential and even work well in disaster scenarios.

Let me provide one simple, concrete example.  Ginseng.

This is a great health root.  The demand is growing especially in China.  At times good dried Ginseng sells for $1,000 a pound!  This is an incredible and easy crop to grow.   The less care you give it, the more valuable it can become.  Yet if everything goes south, the health qualities will be good to have and make it an excellent barter item.  Once you know what to do with ginseng, it’s easy to grow in your back yard.

Even better one of the best kept secrets is that ginseng and 125 other medicinal crops that are currently unsustainable but can be grown on land  that is extraordinarily cheap.

goldenseal ginseng

Ginseng we grew in our back yard.  I know about growing ginseng through experience and explain why and how in the report “Live Anywhere – Earn Everywhere”.

Loquats are another example of an easy to grow crop that help promote natural health.

loquats

Here I am by one of the many loquat trees at our Florida farm.

Loquats are a great fruit for making jam and such, but the loquat leaf has amazing medicinal qualities.  Its is a registered medicine in China and due to its anti viral and respiratory system enhancing qualities has an especially  growing demand right now.   The images below from Amazon.com show that the leaves sell for about a dollar per leaf!

I have many trees on the farm but started growing loquat seedlings last year.

loquat

Loquat leaf tea has become really important during the pandemic due to its respiratory strengthening qualities.

I have been drinking a lot of home made loquat leaf tea during the pandemic.

The report “Live Anywere-Earn Everywhere” shows specific places that reduce your living expenses, easily increases your income, makes you smarter, healthier and provides tax benefits as well. 

There are specific places where property is especially inexpensive, now because previous owners do not know about the special qualities created by the pandemic.

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

Here are some of the experiences this report shares:

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 is about what Merri and I, our children and even my sister and thousands of our readers have done and are doing.

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

  • Learn about the magic of the north facing slope.   This is where Merri and I live almost half of our time.  North facing mountain land is some of the least expensive in the world but has hidden values that the report reveals.  There is a lot of this land and a lot of hidden value that you can tap.   When we bought our Blue Ridge farm (252 acres) I mentioned this to my Swiss banking friend.  “That’s bigger than the entire village where I live!” was his response.  Smalltown USA offers a last chance at having a lot of space.  By living in two Smalltown places there are enormous tax advantages as well.  One step in the system saves Merri and me over $28,345 in taxes a year.

The report shows how to buy cheap north facing slopes and create an income producing tiny home for $29,000 or less.

If you lack the $29,000 to invest, a start up using tents is even less.  These are tipis we put up at our farm before we built our first tiny home.  Learn how they can create tens of thousands of dollars in income for you.

Fwd: gary-scott-tipis

  • See ways that small businesses like Tipi rentals can be enhanced by the pandemic but also create BIG tax savings as well as extra income.  For more than 30 years Merri and I have enjoyed a strong six figure income, some years more, in the millions.  Yet there have been very few years when we had to pay federal income tax.  The report lays out a three structure program and how it is used when you are in school (up to age 30), then from 25 to 50, 50 to 70  and beyond 70.   Learn why Chapter C corporations and pensions can be better than the normally recommended Chapter S.  See how new mileage log rules gives you a possible opportunity to increase your tax deductions using IRS Form 4562.  Using a two-vehicle strategy you can gain $12,976 in new deductions even if you do not have to drive one mile further or spend one additional penny on your car.
  • See how a greenhouse can help you eat better and be healthier, plus provide income and a tax deduction and be funded by a government grant.

gary-scott-farming

Our North Carolina greenhouse.

gary scott greenhouse

Our Florida greenhouse.

  • There are similar benefits from having a second home office defined in IRS publication 463 and IRS publication 587, even if your desk is a dining room table.  The report also shows how your dining room table can become an actual income producer as its creates a huge tax deduction at the same time, not to mention a great place to eat, work and lay out plans for a brighter, safer more lucrative and enjoyable future.
  • Living in this environment is also healthier, economically as well as physically.  You’ll see in the report how researchers at Harvard found an amazing correlation between living in conditions found on north facing slopes, longevity and mental health.  The researchers were quite surprised by this strong correlation that also extended into mental health.  In addition to feeling better, reducing stress and having more Joie de Vivre the places outlined in “Live Anywhere-Earn Everywhere” can help you avoid hospitals, high cost disease management (aka health care) and BIG pharma while providing an investment opportunity in three plants that have some of the fastest growing demand in natural health care.  These three plants are just one of seven business opportunities that can create multiple streams of income.
  • How changes in cell phone and internet technology eliminated the need to be in one place.   An old law that creates new opportunity for small business in small towns is available to everyone.
  • Use the specific search and purchase guide.  Construction plans are included that show how to generate first tier income that leads to five, second tier avenues of earnings.
  • How to pay off old debt and avoid new debt by avoiding spurts and embracing value. 
  • Learn seven skills that will always have value.  See how to turn First Aid, medicinal plants, hospitality, food, trees, alternate energy and writing to sell into everlasting, low stress wealth.

merrily farms

This pond we created at our farm brought us pleasure but also helped create a safe, healthy food supply, extra income and a tax deduction as well.

My Guarantee

This may be the most important report I have written in 50 years.  The information is certainly the most urgent.  Do not delay.  The risks are upon us right now and you’ll understand how the final steps of the alliance are taking place as you read the current news.

To take any risk out of gaining this urgent information with my full satisfaction or money back guarantee.  If you are not totally happy, simply let me know.  I guarantee you can ask for a full refund any time within 60 days and I’ll refund your payment in full, no questions asked.

You can keep the reports as my thanks for ordering it.

Buy Live Anywhere, Earn Everywhere Report  $39.99

(1)  www.nytimes.com: Climate change report

(2) www.bloomberg.com: Global warming means less milk

(3) www.upi.com: US farmers prep for global warming to threaten food production

(4) www.reuters.com: Global food rainfall

(5) www.floridatrend.com: Final link in Orlandos state road beltway

 

Anchor of Value


Set your anchor of value now!

Here’s a story on how an anchor of value helped me hold onto my wealth back when the dotcom bubble burst.  I recall that our pension manager was surprised that the investments in the pension I managed rose so much the pension was over funded.

That was the only one of 600 pensions, he looked after, that had not lost value.

pixabay.om

The reason Merri and I did not lose during that 2000 panic, nor did we lose in the 2009 panic was our anchor of value.  This is such and important investing tool that I am repeating a report I sent at this time last year.

This site just concluded a three part report that showed how the world is investing in a scenario that I don’t think we have ever stumbled across before.  Fear is pushing the US stock market higher.

Normally fear pulls markets down and greed pushes them up.  Normally fear based appreciation only comes via hoarding… when panic is the ruling emotion.

Merri’s and my secret investing weapon has been a personal anchor of value.

Learn how to get a FREE report, on how to earn and live through good value, below.

See how that anchor helped me buy this manor house in the Cotswold.

gary-scott-in Gloucestershire

This huge, old manor house, built over a century,beginning in the 1700s… had wonderful views and our next door neighbor was Princess Anne at Gatcomb Park.  Buying it was a pretty big step for a middle class American from Rockwood Oregon, but I was able to do so due to my anchor of value.

Last year as part of our 5oth year anniversary I was interviewed on an investment webinar and the moderator asked me this question:

There are a lot of real estate investors who have been successful buying, selling and holding real estate in their own backyards.  A few have been successful investing in 2-3 markets in the USA.

But it is rare to find a successful real estate investor who has been investing in real estate all over the world.

And even more rare to find a real estate investor who has been successfully investing all over the world for FIFTY (50) years!

You are that guy!  What’s the secret?

My secret to freedom has been to use an anchor of value that I developed to invest in American residential real estate.  Though I created this anchor in the 1960s it has helped me invest in real estate, stocks, bonds and business around the world to this day.

The philosophy behind this strategy and tactics can be used to create your own anchor for investing in shares, bonds, currencies or commodities  as well as real estate.

Let’s look at value first.  The anchor helps me understand that I am investing for profit, not to be right. 

Based on the “profit rather than pride” principle  there are two (and only two) reasons why we invest in real estate.   To rent for income or to resell the property for more than we had invested.

Based on this reasoning, there are three ways to spot value in residential property.

#1: The first way to spot value is based on how much NET income can the property generate after taxes, insurance, maintenance and management costs.

#2: The second method is based on relative comparables.  Calculate how much similar properties in the area are selling for.  Also find out how much similar properties in other areas are selling for.

#3: The third method is to calculate how much a property would cost to replace with new construction.

What is the anchor?

We can build an understanding of residential value by understanding the monthly mortgage payment or rent a buyer or renter can pay.  In the USA, for example, the typical bank limit on monthly mortgage payments is about 28 percent of your gross monthly income.  Banks generally will let a borrower devote up to 28 percent of their household income in a mortgage payment and expenses (including taxes, insurance and HOA dues).

If there are many families in an area who earn an average of $4,000 a month, then this will be a good market for rentals at $1,000 a month.

This simple formula provides a basis from which all dependable value can be measured.   This is the science of the valuation.

Using this approach, years ago, Merri and I have been able to spot dozens of contrasts, distortions & trends in real estate value, everywhere.

An added factor to add into the mix is appeal.  You could call appeal the art of the valuation.

Sometimes an investment can be a really good value, but a hard sell.  The best investments are underpinned by appealing good value products and services.

Investing in what you know (and  enjoy) helps you understand appeal and makes it easier to mesh the art and the science of valuation.

For example, Merri’s and my background have a lot in common.  Merri’s formative years were in Georgia and mine in Oregon.  There were many differences between these states.  Yet as baby boomers we have much in common.  We saw the same shows on TV, Howdy Doody, the Cisco Kid, Ed Sullivan, Gunsmoke. Roy Rogers, etc.  We read the same books in school such as the Bridge over San Luis Rey, the Red Badge of Courage.  We saw the same movies, heard the same radio , listened to the same Golden Oldies, read the same news, the same magazines, so it is not surprising that our tastes are pretty much the same.

The fact we are NOT special gives us the ability to understand appeal.  There are 60 million baby boomers who have that same background.  This gives us confidence that if we like a house, others will like it as well.  This gives us good judgement (from an investing point of view) when it comes to appeal.

Our strategy is to buy houses that appeal to us which have a reasonable potential to return a decent income (and likely appreciate) based on rent in the $1000 a month range.

For example, we recently looked at a nice house just offered and with access to a wonderful lake, 2 bedroom, 2 bathroom, in very good shape with an asking price of $169,000.  The house fit the $1,000 profile and because it had a very nice guest cottage as well, meant we could likely charge $1,200 a month rent.  Merri and I looked the place over and felt just fine offering $140,000, knowing we could go up to $145,000.

How did we come to such a price?

The math worked like this.  The house will rent for $1,200 a month.  The rental market is strong and at this price it will rent quickly.  That creates an income of  $14,400 a year.  Our target ratio of price to rent is 10%.  We want a 10% cash flow, so $14,400 a year rent justifies a $14,400 price.

First, the area where we are buying is in a bit of a bubble.  Prices have started to rise beyond a reasonable expectation of return.  We did not think the house would rent for $1,300 or $1,400 a month so we were not willing to rise to the $169,000 price.

We did not get that house.  In fact this was the fifth house in a row on which we were outbid.  Because faith is vital to successful investing, we need to stick to our strategy, and our strategy is based around that 10% cash flow.  That percentage is sufficient to give us a reasonable return on our investment.

Just because everyone else is paying too much for houses, does not mean we should make this error as well.

Anchors of value help us remain logical so we don’t invest in trends that are turning into bubbles.  Anchors of value help us avoid giving back profits because we stayed in a trend for too long.

For example, my real estate anchor of value first created in Portland, Oregon in the 1960s helped me successfully understand good real estate trends in Hong Kong, Fiji and London, then the Isle of Man, Naples, Dominican Republic and Ecuador and eventually led Merri and me to invest in Smalltown USA in Mount Dora, Florida.

Real estate has always been in our blood.  I do not know why but by the age 21, I had already built a $2,000 windfall into seven duplexes and a house  on 14th Ave (mortgaged then to the hilt) in the small town of Gresham, Oregon.  I could have continued to buy, sell and rent real estate in Oregon but the wanderlust bug bit me and when I was offered a job to sell mutual funds in Hong Kong, I began to travel throughout Asia.

Owning those duplexes and that house left me with an anchor of value.  I understood rents (at that time the 1960s) from $125 in Smalltown USA to $250 a month in cities.

When I arrived in Hong Kong in 1968 real estate rentals were about the same as in downtown Portland.

Fear had created good value in Hong Kong.  In 1968 there were communist riots and bombs being set off in the streets.  The first day I arrived a motorcycle policeman had his leg blown off by a terrorist bomb.  The Chinese army was massed on the border and there were continual talks about an invasion. Hong Kong businessmen were fleeing.  Real estate was literally being given away.

Life went on.  We all figured out the fastest route to the British and American war ships in the harbor for a quick exit in case the Chinese decided to invade.  We watched out for boxes in the street that could be bombs.  Then we just got busy with life, working and earning so we could pay our rent.

I rented a huge apartment on Shouson Hill Road overlooking the ocean and the village of Aberdeen.  The owner wanted to sell this block of apartments but I had no money or experience then.  He was so desperate that he made a deal.  Instead of paying him $250 a month rent I invested $250 into mutual funds for him.

Then in 1970 the company I worked for sent me to London to spend a year at its headquarters developing a European sales training program.  I rented a nice house near Golders Green tube station on Finchley Road.  The rent was the equivalent of $250 a month.

In 1971 I was moved to work in San Francisco and I purchased a home in Petaluma, California.

petaluma

I bought this house in Petaluma California for $33,000 and assumed a 5% GI mortgage. Payments were about $175 a month.

In 1972 I returned and worked in Hong Kong for another four years.

The early 1970s was a time of serious inflation.  During that time I watched the prices and rents of real estate at the duplexes in Gresham, the house in Petaluma, and especially in Hong Kong rise… a lot!

In 1976, when I moved from Hong Kong back to London and noticed that London real estate was priced about the same as it had been in 1970.  This puzzled me. Why had London property prices remained flat despite inflation?

On investigation, I learned that there had been a huge real estate crash in 1970 continued to distort and dampen real estate prices six years later despite the rampant global inflation.  The British pound had also collapsed dropping 35% versus the U.S. dollar from 2.4 dollars per pound to a new all time low of 1.52 dollars per pound and at one point hit a low of one dollar per pound.  To my way of thinking, London houses, which I thought were already very cheap by world standards, just became 35% cheaper.

london-house

The house in Bedford Park.

I could not resist and began property shopping and eventually bought a five bedroom house in Bedford Park in West London. I made a 10,000 pound down payment and took a 25,000 pound loan to meet the 35,000 pound asking price.

First, I was right. London property had been under priced.  I was able to sell the house four years later for 115,000 Pounds.  I made a profit of 80,000 pounds.  But the currency change helped enormously too.  The pound had risen to over 2.2 dollars per pound.  My 80,000 pound profit was now worth $215,000.

I was willing to make this  purchase because I could rely on a mental anchor of value… a residential property that a working person could rent in the $250 a month range.  I was investing in what I knew and was comfortable with.

Manx real estate came next.  In the 1980s I had an offshore corporate formation business and noticed that Isle of Man overseas companies were as good as Jersey and Guernsey structures, but cost less than half.  This led me to believe that the Isle of Man would increase in popularity as a financial center.  While visiting, Merri and I discovered that a long depression had forced over 2,000 properties onto the Island real estate market (population was only 60,000).  We began taking real estate buying tours to the Isle of Man because rents and house prices were so low.  Some delegates purchased remodeled beach front condos for $12,000.

Then while conducting a seminar in Florida, we saw that real estate in Naples, Florida was much less expensive than on the East Coast of Florida.  Rents in Miami  and Ft. Lauderdale seemed really high to us, but Naples prices were much lower.  Merri had been living in Naples for some time and found a wonderful old large house just off the beach.  We bought it for a song (compared to the price we sold it for!)

Naples prices skyrocketed while we were living there and in 1995 we visited Ecuador.  Merri and I saw Ecuadorian beach front lots that would cost two million dollars in Naples that were selling for $5,000.   We saw we could buy a house on Ecuador’s beach for a price that we understood and were comfortable with.

Cotacachi hotel El Meson de las Flores

A hotel we purchased in Ecuador.

By 2009 Ecuador prices has skyrocketed and Florida real estate faltered.  We began selling out our Ecuador real estate and buying again in Florida.

In Florida we saw great rental value.  We also wanted to live closer to our children and grandchildren.  We knew that studies had shown that 80% of adults 45 and older believe it is important to live near their children and grandchildren.  Those 60 million people, just like us, were thinking differently about where they would buy and/or rent a home.

We selected Mt. Dora as a small town to buy rental real estate for numerous reasons, but the first feature was its proximity to our daughter and grandson.

I can look back through this 50 year travel and real estate adventure and see that my decisions and investments have all been linked to that original anchor of value.

We live in a turbulent world and can expect rapid change, hidden agendas, huge shifts in communication.  When we are caught in the currents of such rapid shifts, our anchors of value can help us remain steady and secure.

Gary

Get the FREE report: How to be of Value – Lead a Life of Freedom and Adventure in Good Times & Bad

Gain From Pandemics – Riots & Election Volatility

On top of the pandemic… and the riots, another election on its way… all the robo calls from politicians… the dirty tricks and the innumerable amounts of nonsense this vital process brings.

However America’s politics turn out, one thing is sure, there will be volatility in stock markets during the election process.

The first reason markets will bounce has nothing to do with politics or policies.   A market correction was due regardless of the party or the person in office and COVID-19 was a pretty good excuse for it to suddenly drop.  Expect plenty more volatility.  Whether the economy recovers slowly or quickly, history suggests that the US market will do a lot of moving up and down.

Second the new politics has created an uncertain era.  Everyone has been shaken over the past three years whether they are pleased with the government or not.

Nothing frightens markets like uncertainty. 

What more could we ask for… an uncertain COVID-19 future and riots in 30 major cities.

Well interest rates could be a dark horse.  I the massive government handouts create inflation, interest rates will rise and rising interest rates will push stock market prices down.

Despite these pitfalls, there is a way to profit using the strong US dollar and undervalued non dollar stock markets to pick up good value shares.

During nearly five decades of global investing I have noticed found that good value strategies are the best way to profit long term, through good politics and bad.  The steps to take are simple.

The first tactic is to seek safety before profit.

We can look at Warren Buffett’s investing strategy as an example.  Buffett success is talked about a lot, but rarely does anyone explain how he make so much money.  That was the fact until some researchers really stripped his operation bare.  They looked at everything and learned the deepest of Buffett’s wealth management secrets.  Fortunately they published all in a research paper at Yale University’s website. that reveals important truths about extending wealth.

This research shows that the stocks Buffett chooses are safe (with low beta and low volatility), cheap (value stocks with low price – to – book ratios), and high quality (stocks of companies that are profitable, stable, growing, and with high payout ratios).

The second tactic is to maintain staying power.  At times Buffet’s portfolio has fallen, but he has been willing and able to wait long periods for the value to reveal itself and prices to recover.

A 45 year portfolio study shows that holding a diversified good value portfolio (based on a  good value strategy) for 13 month’s time, increases the probability of outperformance to 70%.

However those who can hold the portfolio for five years gain a 88% probability of beating the bellwether in the market and after ten years the probability increases to 97.5%.

Time is your friend when you use a good value strategy.  The longer you can hold onto a well balanced good value portfolio the better the odds of outstanding success.

The Buffett strategy integrates time and value for safety and profit.

A third tactic is using limited leveraging, tactic in the strategy boosts profit.  Buffett leverages his portfolio at a ratio of approximately 1.6 to 1.   The Yale published research paper shows the leveraging methods used by Warren Buffett to amass his $50 billion fortune.  The researchers found that the returns from Buffett’s investment company, Berkshire Hathaway, far outweighed those achieved by any rival that has operated for 30 years or more.  The research shows that neither luck nor magic are involved.  Instead, the paper shows that Buffet’s success hinges on using leverage at the rate of 1.6.

To sum up the strategy, Buffet uses limited leverage to invest in large purchases of “cheap, safe, quality stocks”.  He limits leverage so he can hold on for very long periods of time, surviving rough periods where others might have been forced into a fire sale or a career shift.

Stated in another way buffet uses logic (buy good value) to have the conviction, wherewithal, and skill to invest with leverage over many decades.

What do we do when we are not Warren Buffett?

May I introduce the Purposeful Investing Course (Pi) for those who want to invest like Warren Buffet, but know they are not.  This course is based on my 50 plus years of investing experience combined with wisdom gained from some of the world’s best investment managers and economic mathematical scientists.

Enjoy Extending Wealth

Pi’s mission is to make it easy for anyone to create a three point strategy, like Buffett’s even though they do not have a lot of time for or knowledge about investing.

Pi reveals investing secrets and the sciences that make investing easy, safer, less time consuming and increases the chances of profit.

One secret is to invest with a purpose beyond the cash.  One tactic as mentioned is staying power.  This means not being caught short and having to sell during a period of loss.  This also means having enough faith in a strategy that we stick to the plan.  When we invest with purpose, doing what we love, we enjoy the process more and are more likely to hold on during down times, when most poor investors panic and sell.

Slow, Worry Free, Good Value Investing

Stress, worry and fear are three of an investor’s worst enemies.  They create the Behavior Gap, a trait exhibited by most investors, that causes them to underperform any market sector they choose.  The behavior gap is created by natural human responses to fear.   Pi helps create profitable strategies that avoid losses from this gap.

Spanning the Behavior Gap

Behavior gaps are among the biggest reasons why so many investors fail.  Human evolution makes fear the second most powerful motivator.  (Greed is the third.)  Fear creates investment losses due to behavior gaps.  Fear motivates us more strongly than desire.  By nature investors are risk adverse.

Winning investors though embrace risk because they have a plan based on good value.

Purpose is the most powerful motivator,  stronger than fear and greed, so a strategy with purpose is the most powerful of all.

Combine your needs and capabilities with good value secrets and the math to back up your value selections through the Pifolio – The Pi Model Portfolio

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 (often created by someone with vested interests) and is based entirely on good math.

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

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 follow this research of a brilliant mathematician and have tracked this analysis for over 20 years.    This is a complete and continual study of international major and emerging stock markets.

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.

A country ETF provides diversification and cost efficiency by spreading one simple, even small investment into a basket of equities in a good value stock market.  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 matches this mathematical certainty with my fifty years of experience. This opens insights to numerous long term cycles that most investors miss because they have not been investing long enough to see them.

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

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

The circumstances that created fortunes 30 years ago were an overvalued US market (compared to global markets) and an overvalued US dollar.

The two conditions are in place again!  There are currently ten good value (non US) developed markets,  plus 10 good value emerging markets.

Pi shows how to easily create a diversified, worry free portfolio in some of these good value markets using Country Index ETFs.

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.  There is so much more to write and the trends are so clear that I have created a short, but powerful report “Three Currency Patterns For 50% Profits or More.”   This report shows how to earn an extra 50% from currency shifts with even small investments.  I kept the report short and simple, but included links to 153 pages of  Good Value Stock Market research and Asset Allocation Analysis.

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

This report sells for $29.95 but you’ll receive the report “Three Currency Patterns For 50% Profits or More” FREE when you subscribe to Pi.

Leverage

Pi also explains when leverage provides extra potential without undo risk.  For example in 1986 I issued a report called “The Silver Dip” that showed how to borrow 12,000 British pounds (at almost 1.6 to 1 dollars per pound the loan created US$18,600) and use the loan to buy 3835 ounces of silver at around US$4.85 an ounce.

Silver had crashed, I mean really crashed from $48 per ounce.  As prices decreased from early 1983 into 1986, total supply had fallen to 449.7 million ounces in 1986.  Mine production was restricted by the low prices at this time, with silver reaching a low for this period of $4.85 in May 1986.  Secondary recovery also was constricted by these low prices.

Then silver’s price skyrocketed to over $11 an ounce within a year.  The $18,600 loan was now worth $42,185.

The loan was in pounds and in May 1986 the dollar pound rate was 1.55 dollars per pound.  So the 12,000 pound loan purchased $18,600 of silver.  The pound then crashed to 1.40 dollars per silver.  The loan could be paid off for $13,285 immediately creating an extra $5,314 profit.  The profit grew to $47,499 in just a year.

Conditions for the silver dip have returned.  The availability of low cost loans and silver are at an all time low.  The price of silver has crashed from nearly $50 an ounce to below $14 as did shares of the iShares Silver ETF (SLV).

Now the SLV price is taking off!

silver slv

iShares Silver Trust (symbol SLV) from www.finance.yahoo.com

Imagine investing in a spike like this… with leverage!

At the same time the silver gold ratio has sot well past 80, a strong sign to invest in precious metals.

I have updated a special report “Silver Dip 2019” about a leveraged silver speculation 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 gained through 30 years of speculating and investing in precious metals.  While working on the report, when the gold silver ratio slipped to 80 and the price of silver dropped below $14 an ounce, I knew I needed to share this immediately.

I released a new report “Silver Dip 2015” so readers were able to take advantage of these conditions and leverage 1.6 times as a speculation.  That report generated profits as high as 212% and a revised 2019 issue has been produced.

“The Silver Dip 2109”  sells for $39.95 but  you receive  “Silver Dip 2019” FREE when you subscribe to Pi.

Save

Subscribe to the first year of The Personal investing Course (Pi).  The annual fee is $299, but to introduce you to this online, course that is based on real time investing, I am knocking $102 off the subscription.  Plus you receive the $29.95 report “Three Currency Patterns For 50% Profits or More” and the $39.95 report “The Silver Dip 2019” free.

Triple Guarantee

Enroll in Pi.   Get the first monthly issue of Pi, and the report “Three Currency Patterns For 50% Profits or More” and “The Silver Dip 2019” right away.

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

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

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

#3:  I guarantee you can keep “Three Currency Patterns For 50% Profits or More” and “The Silver Dip 2109” report as my thanks for trying.

You have nothing to lose except the fear.   You have the ultimate form of financial security to gain.

Subscribe to the Pi for $197.   You Save $158.95.

Your subscription will be charged $299 a year from now, but you can cancel at any time.

Gary

 

 

 

Ecuador Coconut Plantation for Sale


Our friend and Ecuador attorney, Floridalava Zambrano, sent me this information about an Ecuador coconut plantation for sale.

ecuador coconut plantation

Gary, for over 12 years I provided legal services to a client who bought a beautiful piece of property in Puerto Cayo, the southern part of the coast of Manabi.  Over the past four years I have managed a coconut plantation he started on this property.

The client passed 6 months ago and his heirs and his brother, who co-own the property, have decided to put the 18 hectare (44.5 acres approximately) property for sale.

ecuador coconut plantation

Here is some information and also some pictures of the property :

ecuador coconut plantation

At the moment we have approximately 1,900 coconut trees in production. We are producing 30,0000 kilos of coconut a month in what is considered to be the low season (June -October ). In the best months of harvest (December- April or May), production can reach up to 70,0000 kilos per month.

ecuador coconut plantation

Average price of the coconut kilo is $0.15.  We mainly sell the coconut to be used for water.  Coconut oil is also very much appreciated now, but we have not explored this market.

ecuador coconut plantation

The property has a quiet, almost private, 280 meters (850 feet) of beachfront.

ecuador coconut plantation

There is a small wooden house on the property.

ecuador coconut plantation

Currently it is used for weekends, holidays stays and as an office.

ecuador coconut plantation

There is also a caretaker’s house.

ecuador coconut plantation

The plantation has a sophisticated camera surveillance system.

ecuador coconut plantation

Most portions of the plantation are viewed.

ecuador coconut plantation

Three wells provide water to the plantation and the rest of the property. There is an irrigation system supplying water to all of the plantation.

ecuador coconut plantation

Papaya, lemons and yucca are also produced in the farm.

ecuador coconut plantation

ecuador coconut plantation

The sunsets are dramatic here.

ecuador coconut plantation

This is a gorgeous property with excellent income potential for someone who desires an agri business in Ecuador.

For anyone interested, Flori has a survey of the property performed about three months ago.  If you would like to see these or have other questions, please send a note to gary@garyascott.com with the words COCONUT in the subject line.

Gary

SPANISH WORDS YOU CAN USE

Coconut – Coco
Plantation – Plantación
Small farm – Finca
Big Farm, estate – Hacienda
Agriculture – Agricultura

learnspanish

Learn Spanish in Three Days ONLINE

Instant $110 discount on the course!

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Here are a few quotes from delegates of the course.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

“It was a very enjoyable class.”

How The Course Works

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

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

Here is the proof.

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

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

See examples of the words you already know below.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Here are more testimonials from previous Super Spanish Courses.

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

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

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

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

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

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

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

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

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

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

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

Gary

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

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

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

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

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

 

 

Probate in Ecuador


This week Ecuador attorney Dr. Andres Cordova provides information about the probate process in Ecuador.

andres cordova

Andrés Córdova

PROBATE PROCESS IN ECUADOR

Death is a natural and quite inevitable conclusion to our lives and it is important to plan ahead to make sure as best as possible our wishes are fulfilled, including that of lessening of the confusion and burden that may overcome family members and friends in such trying times.

For those of you who have property in Ecuador or who plan to have it in the future, I am sharing information regarding the steps needed and recommended for your heirs or beneficiaries to be able to legally dispose of your estate in Ecuador.

This process is needed whether there is a will in place or not.

Just as in the US, Canada and other countries, Ecuador requires a probate process too. It can be done in Ecuador, whether the heirs live in Ecuador or abroad.

Until not long ago, the probate process in Ecuador was managed through the courts, making things painfully slow. As per somewhat recent changes in our legislation, now notaries can process probate processes, and this has brought welcome efficiency and haste.

It should be noted that the Ecuadorian legal system establishes the children as mandatory heirs. In their absence it’ll be the parents, the siblings, the nephews and the state in that order.

With a will there is some leway to arrange the disposition of the inheritance, improving the participation of a given child for example, or seeking to exclude an otherwise mandatory heir.

Please note that a foreign court order regarding a probate process may or may not fully fly in Ecuador, depending on a series of factors including the last domicile of the deceased.

Doing the probate process in Ecuador is a recommended option as it can be efficient and straightforward. For such process the death and respective birth certificates are needed. The marriage certificate may also be needed, in case the deceased was married. If there is a will it must also be included.

These documents must come apostilled or, otherwise, legalized at the nearest Ecuadorian consulate.

Other documents may also be needed. Among them powers of attorney (POA) from the heirs for the probate process and posterior sale or disposition of the property. If there is a surviving spouse that had joint ownership of the property or state in Ecuador, he or she may also wish to issue a POA for the respective sale or disposition if that is what the parties want.

The deceased’s estate in Ecuador must be detailed in the petition to the notary (or judge), especially in what regards real estate.

After reviewing all documents and the respective petition, the notary will issue the certification of the probate process, which must then be registered in the respective real registry or registries. Such certification and registration will enable the heirs to do with the property as they see fit.

Before the cited registration, inheritance taxes must be paid. No inheritance taxes need to be paid for up to $72,000, calculated per heir or beneficiary. After this amount the inheritance tax starts at 5% and goes up to 35% after the $864,000 mark.

Let us know if you have any questions,

Best regards,

Andrés Córdova

Please send your Ecuador Questions  to gary@garyascott.com with the word ECUADOR in the subject line.

SPANISH WORDS YOU CAN USE

Register – Registro
Sale – Venta
Heirs – Herederos
Will – Testamento
Plans – Planes

Learn Spanish and you’ll live longer!

Research at University of Edinburgh found that learning new things can increase longevity.   The research team found that people who study longer and are more open to trying new things have an increased likelihood of better life expectancy.

The results showed that participants who read for more than 3.5 hours a week are 23 percent less likely to die during a 12-year period.  Likewise, those who read for up to 3.5 hours a week have had a 17 percent reduction in mortality risk.

Another study found that listening to Baroque music improves health.

A study comparing meditation to listening to Baroque music shows that blood pressure drops and the pulse slows down.  Stress melts away!

research

Reducing stress improves longevity.

Our Super Spanish course includes super learning sessions that include Baroque music.

Students find the sessions deeply relaxing.

gary-scott-relaxation-session

Students at a Super Spanish course.

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

The video below shows a super fast way to gain the basics so you can communicate in Spanish in just three days.

Gary-scott-super-spanish

Click here for FREE Super Spanish video.

learnspanish

Learn Spanish in Three Days ONLINE

Instant $110 discount on the course!

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Here are a few quotes from delegates of the course.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

“It was a very enjoyable class.”

How The Course Works

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

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

Here is the proof.

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

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

See examples of the words you already know below.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Here are more testimonials from previous Super Spanish Courses.

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

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

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

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

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

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

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

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

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

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

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

Gary

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

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

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

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

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

 

 

Ecuador Feedback Answers #2


This week Ecuador attorney Dr. Andres Cordova replies to more of the many questions readers have asked about Ecuador.

andres cordova

Andrés Córdova

ECUADOR FEEDBACK – RESPONSES #2

I would love to move to Ecuador, my wife is a little skeptical.  She was wondering about buying , owning property in Ecuador and keeping money in a bank there. If there is ever turmoil in this beautiful country, can the government take your property, home or business  and any funds in the bank?

When buying property in Ecuador you can fundamentally be as safe as in any other country. Private property is a fundamental pillar of our economic and legal systems and is protected. The Constitution expressly prohibits confiscation of private property.

There can be expropiation with a compensation in case of national necessity, just as in any other country. If a road is to be built, for example. But this should not in any way be a source of concern.

Ecuador has been a very peaceful country for decades. I oftentimes see reports of riots in Europe and other parts with cars burning in the streets and heavy-handed crackdowns and think to myself that we don’t have them that bad here.

I truly don’t think we should fear turmoil. We don’ have the social and cultural tensions that are sprouting in many places.

So I don’t see how any true turmoil may happen anytime on the horizon, let alone the government taking peoples’ funds under any circumstance. That would be illegal and would give raise to legal claims should it ever happen. But I don’t think that it would.

In 1995 we held a weeks-long border war with Peru, a much larger and stronger country. During that time the government instated a short lived special tax or contribution to shore up the war effort. That was pretty much all.

We believe to have won the war and this partially helped us sign a peace treaty with or Peruvian brothers, that has prompted increasing trade and friendship.

About two decades ago lax control, deregulation and other elements conspired a severe blow to our financial system. That’s when we went into the dollar regime which is here for the long run. The transition into the dollar regime had the local currency at the banks converted to dollars at a less than ideal exchange rate, generating ire among the people. Today the vast majority of the population embraces the dollar regime. Banks are very solid now and under much better controls.

Funds in the bank can’t by law be confiscated by the government under any circumstance. Moreover, there is government insurance for deposits for up to $32,000.

How safe are you and your personal  property while traveling in your own vehicle? I know all countries have crime but thought we would ask about your experience with this seeing how long you have been there.

Crime is a problem in Ecuador, but then just as much as the next country in Latin America. Recently there’s kind of been a surge in crime and the government and local authorities have been scrambling to better fight it.

While there is theft and crime going on, it should not stop you from considering Ecuador. People go about their daily lives just as well. Caution needs to be excercised as in any other place whether it’s during a stroll in downtown Quito or in the Paris Metro.

Crime is among the highest concerns for most Ecuadorians, but we are not a country that particularly stands out in this regard, not to prevent ravel or relocation if you ask me.

I have been a longtime advocate for Ecuador and I have been following your letters forever. My wife and myself would like to visit for about a month to look at our options. Do you think that’s long enough?

Gary Scott started to focus on Ecuador many years ago and was able to predict trends that created incredible opportunity for its readers. As an Ecuadorian I am very grateful for his continued interest in Ecuador.

Many people have been inspired by the information that Gary has shared over the years and have made Ecuador their primary or secondary home, as well as an investment and travel destination and this has contributed immensly to help the lives of my fellow Ecuadorians.

A month long can give you a good feel for Ecuador. It may not allow you to spend much time in many areas, but for sure will allow you a good enough sample so you may decide the next steps which may be further scouting or even taking the plunge. Smile.

I welcome questions every week and look forward to them. I don’t charge for initial consultations unless the complexity and scope would warrant it.

Andres

Please send your Ecuador Questions  to gary@garyascott.com with the word ECUADOR in the subject line.

SPANISH WORDS:
– Please – Por favor
– Days – Días
– Insurance – Seguro
– Choose – Escoger
– Friends – Amigos
– Amount – Cantidad

Learn Spanish and you’ll live longer!

Research at University of Edinburgh found that learning new things can increase longevity.   The research team found that people who study longer and are more open to trying new things have an increased likelihood of better life expectancy.

The results showed that participants who read for more than 3.5 hours a week are 23 percent less likely to die during a 12-year period.  Likewise, those who read for up to 3.5 hours a week have had a 17 percent reduction in mortality risk.

Another study found that listening to Baroque music improves health.

A study comparing meditation to listening to Baroque music shows that blood pressure drops and the pulse slows down.  Stress melts away!

research

Reducing stress improves longevity.

Our Super Spanish course includes super learning sessions that include Baroque music.

Students find the sessions deeply relaxing.

gary-scott-relaxation-session

Students at a Super Spanish course.

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

The video below shows a super fast way to gain the basics so you can communicate in Spanish in just three days.

Gary-scott-super-spanish

Click here for FREE Super Spanish video.

learnspanish

Learn Spanish in Three Days ONLINE

Instant $110 discount on the course!

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Here are a few quotes from delegates of the course.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

“It was a very enjoyable class.”

How The Course Works

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

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

Here is the proof.

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

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

See examples of the words you already know below.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Here are more testimonials from previous Super Spanish Courses.

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

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

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

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

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

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

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

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

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

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

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

Gary

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

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

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

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

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

 

 

Ecuador Real Estate Buying Tips


Ecuador attorney Dr. Andres Cordova provides Ecuador real estate buying tips.

andres cordova

Dr. Andres Cordova

Yesterday’s message looked at an exquisite beachfront property for sale.

BEACH 8

But before you buy anything… you’ll ant to know these tips.

ECUADOR REAL ESTATE BUYING TIPS

I have helped foreigners and locals with real estate negotiations and closings for over 25 years. Here are some comments regarding our real estate market and some tips for buying and closing in Ecuador that you may wish o consider.

Some tips regard rather obvious elements, granted, it’s amazing how often some can be overlooked.

1. Ecuador is mostly a cash only market

Ecuadorian sellers expect to be paid in full at closing. Partial payments can be negotiated in some cases as some sellers may be willing to carry a mortgage, especially for hard to sell properties, and when there is a substantial down payment.

Having funds available to close as soon as a due diligence is made and the respective documents prepared can help with negotiations, as most sellers will find a special appeal to this.

2. Prices are negotiable

In most cases prices will be negotiable. Most sellers will entertain reasonable offers. Less so if there is a major reduction already reflected in the asking price.

Realtors can be a good source of information as to how low the seller may go. With this information you can then make an offer that is a lower and at the same time does not offend the seller.

3. Be clear who pays what taxes

It is customary in Ecuador for the buyer to bear with all closing expenses and transfer taxes except with capital gains tax, which is usually borne by the seller. The payment of capital gains tax is indispensable for the closing and for the deed to get registered.

Capital gains taxes can get high especially if the property is resold in a short time; and I’ve seen cases where sellers’ try and hold buyers “hostage” for this payment at the last minute claiming it is to be paid by the buyer, as they hadn’t factored in how much they’d be paying for it.

So do be clear that this tax will be borne by the seller, and mention this in the deed. Most lawyers will include this as a given.

Now, sellers and buyers can of course agree before closing who will bear with what tax or expense, including capital gains tax, but it should be clear before the closing and specified in the deed

4. Be aware of tenants

Some buyers may welcome a tenant I they are looking for rental income. However, a tenant can be a headache, especially for those looking to move in or be in full possession of the property right after closing.

Accepting a closing with an unwanted tenant will put a major burden on your shoulders if he/she refuses to move out in a timely way. In such case an eviction would need to ensue and it can take over 90 days.

5. Transfer tax reductions may apply

Senior citizens enjoy tax reductions at notaries and for real estate transfer taxes. In some cases the buyer will need need to apply for the reduction for it to be made effective.

Keep this in mind for as the saying goes, a penny saved is a penny earned.

6. Be aware of closing costs

While closing costs (notary’s fees, lawyer fees, transfer taxes, etc.) are not especially high in Ecuador, usually at about 2% of the transaction, it is important to get an estimate so you may plan accordingly.

If you want more information on this wonderful opportunity please let us now.

BEACH 9

Can you imagine it?

7. If you wish to retain a housekeeper prepare a contract

Some larger properties may have a housekeeper whose services you may wish to retain. This can be quite handy if they know the property and its needs and can look after it when you are away.

However, for any such case you should have a new contract prepared, especially so if the caretaker lives in the premises. This way you minimize any exposure to unpaid worker’s benefits from before your purchase and to any claim on the property.

8. When closing, do specify when furniture is included

Some real estate transactions include furnishing and in such case it is important to specify so in the deed and or accompanying documents.

I’ve seen cases (although not many) where the furniture was supposed to be included, whether because it was stated in the ad, or it was negotiated or offered by the seller to prompt the deal and when the property was delivered it was missing all the furniture or part of it.

Once a seller has gone this way it can be quite difficult to force compliance unless the commitment is in writing and duly specified.

9. If you plan on making improvements, keep the invoices

If you plan on making extensive renovations and improvements to a property, it is advisable to keep all expense invoices as they may come in handy for possible tax reductions if the property is resold in a relatively short period of time.

10. Purchase agreements must be public notarized documents

In some real estate transactions where the closing has to be delayed, a purchase agreement may come in handy as it will give both seller and buyer important guarantees.

For purchase agreements to be effectively enforceable in Ecuador they need to be made in the form of a public notarized document. Private purchase agreements will have little enforceability.

11. Pay via a wire transfer

Perhaps the best way to pay for a real estate transaction in Ecuador when funds come from abroad is via a wire transfer. Sellers frown on being paid via check, especially as international checks can take over two weeks to clear and this can delay or complicated closings.

In most cases the wire transfer can be made immediately upon execution of the documents. This needs to be closely coordinated between buyer and seller so both parties have all due peace of mind at such time.

12. Do a good inspection before closing

While sellers have the obligation to disclose defects and problems to prospective buyers (especially those that may not be readily apparent), some may not do so and if after moving in you encounter problems that should have been disclosed, you may then have a hard time getting a compensation from the seller or undoing the deal.

While the law protects buyers in these cases it is advisable the property be inspected thoroughly (or to have someone else do this) and ask the seller if there are any problems or defects.

BTW, any negotiated repairs should be specified in writing, with details and timeframe.

13. Make sure all utility and service payments are up to date

While oftentimes this is overlooked, it is important to make sure that water, electricity, telephone and other services have been paid up to date. Otherwise you may have to pay up or risk the service being suspended, while you try to collect from the seller.

In the case of HOA fees, which can really add up, notaries and registrars will request a certification that the property is up to date. Make sure this is the case.

14. You may want to check applicable zoning

If you plan on buying a property to develop or enhance or to convert into a commercial enterprise it is advisable to check the zoning for that particular area as there may be limitations.

15. Close at a notary

While some lawyers try and facilitate things with closings outside the notary (to then deliver the paperwork to the notary), it is advisable that all closings take place in a notary.

I trust you have found these tips handy. Let us know if you have any questions. We are here to help.

Kind regards,

Andrés Córdova

If you have questions about these condos please send me a note at gary@garyascott.com with the words “ECUADOR ” in the subject line.

You will enjoy Ecuador more if you can speak Spanish.

Spanish words you can use

Destination – Destino
Spring – Primavera
Healthy – Saludable
Friends – Amigos
Places – Lugares
Manager – Administrador

learnspanish

Learn Spanish in Three Days ONLINE

Instant $110 discount on the course!

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Here are a few quotes from delegates of the course.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

“It was a very enjoyable class.”

How The Course Works

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

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

Here is the proof.

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

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

See examples of the words you already know below.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Here are more testimonials from previous Super Spanish Courses.

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

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

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

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

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

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

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

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

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

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

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

Gary

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

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

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

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

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