Tag Archive | "Recessions"

Why We Can’t Wait for the Next Recession


It’s coming… the next economic slowdown.

Panic in the market.  Jobs lost.  Businesses broke.  Banks closed.  Pensions torn asunder.

We should not wait for this to happen.

If you are filled with dread when someone speaks of recessions, read on.

Recessions are the best times of opportunity for a rare few. Those who are clued in find recessions the greatest starting place for making money.  See why below.

fed graph

The chart of the yield gap above shows why the next recession will reshape our economy as we know it.

The US economy will near 10 years of expansion by the end of 2018… just a month from now.

There’s been steady growth that’s not too hot and not too cold.

That might seem good, but expansion for this length means just one thing: a recession is coming and the graph above reinforces that thought.

There have only been two expansions that lasted as long as this latest one.  To match the 120-month boom in the 1990s, the economy only needs to keep growing past January 2019.

We are just two months away from a record expansion.

Yes the economy can make a new record in its history of growth.  Such a record will simply mean that the current expansion is near a correction and the chart explains why.

This is uncharted financial territory.  Interest rates have remained very low for almost ten years.

Rather than help the middle and lower classes put more money in their bank accounts, during this expansion inequities of have skyrocketed.

Tax cuts have helped the rich more than the middle class.  Tax increases have added leverage to stock prices so they are more likely than usual to crash hard.

Federal debt’s at an all time high and the budget deficit is soaring above $1.0 trillion.

Watch the yield gap.

The yield gap is the difference in interest rates between two year and ten year government bonds. Ten year bonds almost always pay higher interest rates than the two year bonds.

When this gap or curve flattens and the interest rate of the two year bond closes in on the ten year rate, it’s a sign of economic trouble and a recession ahead.

A San Francisco Federal Reserve economic letter outlined the value of the yield curve as an economic forecaster.

The Fed letter shows that inversion has preceded every recession in the last 60 years.

The yield gap does not have to invert for a recession to start, but this is a reliable warning indicator.

Watch the yield gap carefully and plan early for a recession.

The recession will arrive.  We do not know when… simply that every day it’s closer.

Don’t get caught by surprise.

Gary

One way to prepare for a recession is to have a business that doubles when economic growth is down.  Learn how below.

Go Try Things

 

Here’s a phrase that can make your life better with everlasting wealth … “Go Try Things!”

This phrase can help you grow richer, feel better and be healthier… beginning right now.

gary-scott-images

Here I am working at home.  “Go try things”… so you gain the benefits of earning globally from home.

Perhaps the importance of what should be shared began in Hong Kong over 50 years ago, may 1968.

A warm South China Sea fog swept up the mid levels like a spider’s  web in fast air… then hung like a moist blanket over the thin ribbon of asphalt that snaked the ridge line through the jungle ahead.  Low city rumbles blunted the green tropical freshness and fought nature’s cacophony of dawn.

Bowen Road runs flat as a pancake through the mid-levels of Hong Kong.  I lived there for several years decades ago and took early morning runs most days.  Arriving shortly after my 21st birthday, my task was to build a sales team that sold American mutual funds to the Hong Kong Chinese.

That turned out to be a bad idea.  The Hong Kong market was booming and the US stock market dead.

Yet trying this, led me into the business of writing about how Americans could invest in Hong Kong. Many of my readers made fortunes and for me, a career was born.

A decade later after a move to London… distortions were spotted in the cost of Manx corporations.  This led me shortly to the Isle of Man… overlooking Douglas Bay… a brisk ocean air off the harbor carried mournful seagull songs into our room at the Palace Hotel.  I was looking for cheap corporations but found a real estate treasure instead.  Years of real estate tours helped readers start businesses there and they picked up unimaginable profits… because we tried new things.

However Britain’s gray winters soon drove me to the sun.  I found myself watching sun rays sparkle on the emerald prisms of cool, spring fed pools.  They reflected and danced, rainbows that glimmered on towering mahogany, banana, stately palm.  Green vistas shimmered, easy paced in the afternoon sun and sweet, tropical perfumes floated in the breeze.

Merri, and I were sitting on a huge veranda, overlooking a vast expanse of lush, green, countryside watching our kids joyfully ride their horses up the mountains in the Dominican Republic.  A tropical breeze flowed over the porch cooling the sunny afternoon.  My portable laptop computer sat before me.  Working, I had dozed off, lulled by katydid songs, the soft breeze and my lost thoughts.   That was work and the sudden realization of how wonderful that work was shocked me into understanding that having an international business is the best way to security, wealth, freedom and fulfillment in life.  That realization was the foundation of our publishing business that helped readers learn how to have a micro business by trying new things.

Our business has evolved over 50 years from Hong Kong to London to Europe to the Isle of Man to the Dominican Republic to Florida to North Carolina to Ecuador.

Each time because we were trying things of interest and fascination to us.

Not once did the business turn out how we expected… but there was some success… happy customers…. good deeds…. great service… profit… fulfillment and adventure all originating from just trying some things.

Our publications help readers improve their lives, gain greater independence, increase financial safety and dramatically gain more freedom to lead the type of life they desire… by helping them “go try things”.

What can be more satisfying then that?

Gaining fulfillment and earning anywhere do not have to stop with age either.

Retirement age is a myth!  You can earn anywhere at any age.  An article entitled “THEY WON’T QUIT” sums up the vast importance of trying and the benefits you can gain when you “go try things”.

The article says:  Experts say Baby Boomers are starting to work past conventional retirement age, a trend fueled by an uncertain economy, improved health in older life and an understanding that staying engaged leads to a better sense of well-being.

Hitting 65 and “getting the gold watch” is not on the must-do list anymore for many people, says Jacquelyn James, research director at the Sloan Center on Aging and Work at Boston College.

“Their emphasis isn’t just to keep working but to do things that add life to years and not years to life. 

Get Gold in the Golden Years

People who retire at age 60, can easily spend 35 years in retirement.  That would be tedious.  Job satisfaction grows and stress levels drop with age, so why not earn doing something you love in the golden years.

There isn’t a script for 65 anymore. We recommend the same action for those in their 50s 60s and beyond as for those in their 20s: Go try things.

I would like to help you make your life better with a business that can earn anywhere and have expanded this focus in our self publishing and business course.

You can learn how to gain “earning flexibility” so you can earn… mobile or not… full or part time… young or old.    We have many boomers take our micro business course.  Other participants are in their 20s and 30s and want to get started while avoiding the rat race.  Others in their 40s and 50s are looking for ways out of the rat race.

Technology and economically speaking, you have a a perfect time now to have your own micro business. Communications and computers do most of the work that previously required labor and staff.   Outsourcing and virtual offices, plus internet marketing mean a one man (or woman or couple) show can accomplish incredible things.

Let’s Make Earning Easy

The lessons in our course are highly practical and usable because they are a reflection of what Merri and I are doing… now.   You won’t hear any ivory tower theory…. just the realities of business as we see them in the marketplace today… and how we respond to these conditions.

Our lessons focus on how to use modern technology to start global micro businesses… that can create valuable extra income with minimal investments of time and capital.

You learn how to start small and build with stepping stones and a harmonious focus… how to build a successful at home business via the internet using several profit generating phrases at Google.   You gain the secrets of how you can use words to create your own global income as well at our seminar.

The course shares how to use the first four of “Seven Ps”  (Person, Problem and Promise, Product) to zero in on key word phrases.  Then you learn how to use the Fifth P Promise to develop new customers. The Sixth P is the Prospecting Path and Seventh P is the Presentation to create income.

Then you gain all the facts on how to try the seven Ps.

This knowledge has really helped previous course subscribers. Here is what one previous subscriber shared:

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

“What I find to be most amazing is that in just a few short months my site is #1 out of over a million sites and sometimes even millions of sites! As you always say the internet is the ‘Great Equalizer’ anybody given the right tools can compete on the internet.“Below are some of my search results. I only listed GOOGLE and YAHOO but you can find similar results on both MSN and ASK.com.

GOOGLE:

#1 out of 1,190,000 …………………………“definition healthy spirit “

#1 and #2 out of 1,210,000.………………….“benefits to living a holistic life “

#1 out of 1,260,000 …………………………“gaining a healthy mind “

#1 and #2 out of 1,260,000 …………………“benefits to living a holistic life “

#2 out of 935,000 …………………………..“holistic lifestyle tips “

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

Small publishers gain during economic disaster.

Publishing can do well in good times and bad.

Our sales doubled during the last recession.  Our list of readers increased over 100%.

This is how good, value oriented business grow by the way.   They should increase steadily in good times.  They do not get caught overextending in euphoria. Then during bad times they are in a position to do really well!   Since the economy picked up our business growth has slowed but business is still growing. This is how good, value oriented business grow by the way.

Knowing the micro business philosophies we follow can help you invest better and can help you create an internet success if you desire.

The Western economy has changed… probably forever.  The old ways are gone and those who held jobs… or still have work in the private sector have lost the most.

We are in an era of global structural change… in economics… in society and in the way we work because technology brings us low cost administration, low cost access to data, low cost communication, and low cost travel, plus the opening of markets beyond logic that rely more on passion and experience than on efficiency and cost.

There is such an abundance of opportunity that Merri and I have created an entire system to help you have your own publishing business.

Began working at home.  Build up a lost of tens of thousands of buyers. Make a little extra income or made millions, but even when busy employ only a few people to help.

You can do the same with a system contained in our electronic self publishing correspondence course

Thousands have profited from this course which we updated in its fifth edition.

For example, Ben, an investor from Pennsylvania used International Business Made EZ and wrote:

“Jam packed with vital information. My head is spinning. Thank goodness this is all backed up by your manual. This is a true and cherished gift. Your tips on low cost business are a blessing! Thank you once again for an outstanding course. The value far exceeds the price.”

In just a week, you can be well on your way to income and freedom to live wherever you choose!  The course “Self Fulfilled How to be a Publisher” shows you how to take advantage of income earning secrets.

Secret #1: Look for ways to gain 1,000% returns in business. The wealthiest families in the world today come from global businesses.  Learn how margins can be so incredible that few would believe them. Learn how to use stories to make huge shifts in the value of products.  Take for example our friend Earl who is a dog trainer.  On a trip to Ecuador clay whistles in the market place were for sale at .35 cents each. By calling them dog whistles Earl was able to sell them at $9.95,  a whopping 2,700% mark up!

Secret #2: Create and market your product everywhere using niche marketing.  There are 11 steps to create the perfect product.  You learn them with International Business Made EZ.  Understand how to review ideas, test focus, aim at markets. Learn where and how to get your data and get others to provide your marketing material for you almost FREE.

You’ll learn how to turn advertising dollars into a fortune.  You’ll learn how to create your own ads and when to use the internet… search engines… pay per click… classifieds, space ads, direct mail or word of mouth… even flea markets and roadside stands in some cases.

See how to build a PR list and social business network on the World Wide Web to gain thousands of dollars in free publicity.  I even share my most secret results on my marketing so you will know why sometimes you sell more units of a product at $49 instead of $29.

Learn how one couple used ads about retirement to supplement their retirement income and received free trips all over the world.

Learn how we have made money over the Internet (specific details, specific experiences, hard earned knowledge we have over the last 20 years!)   With an inexpensive computer you can easily run a business from home and still have tons of time left over- even if you are computer challenged.  Merri and I have certainly proven this.  We were one of the first out there with a successful website and still rank high today even with millions of competitors.  The secrets in the course include a step-by-step approach.

Merri and I with our webmaster, David Cross, were leaders in beginning internet micros businesses and have sold millions over the web.  You gain ways to earn global income over the net from that experience as well.

At www.garyascott.com our daily emailed messages are sent to over 20,o00 readers every day.

You learn the income producing power of defined focus and immediate repetition to get good search engine rankings and sales.

Here is an example when I worked on the phrase “multicurrency investing”.

google ranking

This was a competitive phrase at Google with sites from US News, Toronto Dominion Bank, Citibank, HSBC Bank all huge competitors, but we to the date of this writing rank in the top three of organic rankings.

You can earn successfully while living anywhere because people of all ages are doing this.  Technology wiped out any disadvantages of age and gender.  A USA Today article entitled “The new entrepreneurs: Americans over 50” explains that older business people often start one person ventures in home offices using technology that did not exist a few years ago.

The article gave an example of Franny Martin who launched a cookie company at age 56 and quickly rose to a half million dollar income started her web site, which attracts cookie customers from around the world, with equipment that cost only $3,000.

The course is arranged in an easy to understand style.  Everything is explained in vivid detail. We share all, how we have done it ourselves. The course is full of business ideas and case studies based on our 42 years of experience.

The course gives names, resources and addresses of contacts in marketing, printing, plus attorneys, accountants, Internet whiz kids who can give help. This is not theoretical. It describes on a step-by-step basis, how Merri and I built a multi-million dollar international micro business in just 7 years and how you can do the same.

Terry T., a friend and attorney from Germany took the course and enjoyed this fact when he stated, “What I like most is that it is a nuts and bolts course-not pie in the sky.”

  • Learn How to Gain Total Security. Learn how and why the global economy makes employment riskier because change is no longer an option. See ways to become and agent of and profiteer from change never a victim of change.
  • Learn How to Perfect a Lifestyle. Living as you choose is important because life is short. Fortunately matching what you love with what you do in business actually increases profits.

George K an MD from California confirmed this when he wrote: “Your course helped me to crystallize and clarify ideas I’ve been considering that relate to my interests in writing, travel and ecology. They showed ways to combine them in a personally engaging and potentially profitable way. I especially appreciated the practical advice on organizing and marketing-turning ideas into products that sell and make a profit.”

  • Learn  How to Choose the Best Legal Structure. How to use Non-Controlled Corporations. How to gain freedom, asset protection and privilege.

A retired railway executive from Michigan picked up on this aspect and said, “Your course opened my eyes to the merits, profits, and prestige of becoming an international businessman, particularly the idea of doing business in Canada for distribution in the U.S. (for total tax protection).”

  • Learn How to Market Your Publication. Learn truths that rule the market place. Gain knowledge on subjects like….How to Make the Truth Exciting. Create your own Sales Story. How to Deal With Cultural Differences. How to Build Global Lists and Use International PR. How to Spot the National Psyche and Quadruple Profits With Multimedia Marketing. How to Choose Businesses as Pioneers or as Settlers.

Tom K., an engineer from Ohio, cashed in on this idea and wrote, “Basically, I learned the selling and marketing implications. The course is absolutely worth the price!”

Learn How to Obtain What You Need from the Net. How to Use the Web to Reach your Market. How to develop your site, target your market and start getting visits. The top ten Internet tips to use, the top ten traps to avoid, and many other lessons our Webmaster has used in his 20 years on the net. This system is so simple anyone can use it.

“Thank you for taking the mystery out of business and bringing it down to the ham and eggs level.” L – Chiropractor – Oklahoma”

Learn the Importance of Business Evolution. It is vital to success and fulfillment that your business has balance and grows in harmony.

Rachel B, a housewife from Washington, enjoyed learning this fact and told us, “The idea of starting at the lowest cost level was terrific.”

Self Fulfilled – How to be a Publisher contains all these secrets and more.

One delegate, Ted T. a publisher from California said, “Your course is outstanding! Just two hours of study alone were worth more than the price.”

While Kelly, a business woman from Atlanta, exclaimed, “It was great going through your steps, being 100% honest without fear of giving trade secrets since you have paid the price (to gain this knowledge).”

This correspondence course is for those who would like their own international business for fun and profit. The course also helps business people, brokers and professionals, insurance agents and marketers who want to enhance their existing business or build a second source of income.

Business people or professionals who want to add an extra profit center to their business or who want to change their business entirely will benefit. Those who want more control over their career can profit. Plus those who love global travel and want to turn their trips into profitable tax deductions!

Even older entrepreneurs are taking advantage of technology. One of our friends and clients, Mickey E., a 72 year old real estate broker, began a small global business. With just a computer and internet, she created publications that attracted English real estate buyers. This allowed her to become a top sales person in the biggest real estate firm (selling over a billion dollars of real estate a year) in town.

If you want fun, freedom, extra income and fulfillment with your own full or part time business that earns anywhere, or want to increase your existing business, you can profit by this course.

This course is also for couples who want their own business or who want to have a business together or a family business.

This is the perfect course for those who can no longer find employment, who are looking for ways to earn abroad and who wish to retire and supplement their income.

An employed couple from New York wrote, “We found the course interesting and informative. We were inspired to start work on an international project. When we came down, we had no idea on what to do.”

There is nowhere else to gain such a unique network of information and help. The contacts are well worth more than the course alone. We have a successful international business with over 20,000  readers in 82 countries so you gain practical current business contacts that are active now.

Are you interested in a global micro business? It can be small and part time mainly to gain prestige, fun and tax benefits. It can be full fledged and rake in thousands a day.

The course is an absolute bargain. Our goal and guarantee is that you will be able to start and run your own global micro business.

If you are not fully satisfied in any way, just tell us with 60 days and we’ll send you a 100% full refund with no questions asked.

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

 Those who worked the hardest lived the longest — the responsible and successful achievers thrived in every way, especially when dedicated to things and people beyond themselves.

Gary

“The course gave me insight on what to do with widening my client base.” M – Real Estate Broker – Florida

“The course helped me in several ways. #1: To realize that it is not only OK but preferable to start small. #2: I feel I have a workable program to have my own newsletter-my own passion!” T B – Professional, Washington

“The course fulfilled all my expectations providing all the details necessary to start a business from creating the idea, through marketing including the systems necessary to implement our ideas.” B C – Chiropractor – California

“The first thing that strikes you when you start this course is how quickly and simply Gary cuts through many of the common misunderstandings about doing business.  In fact anyone with even a small local business could learn a wealth of practical marketing and sales strategies and tips.”

So simple even my Mom can use it.

This course is designed to make the business of publishing so easy that even my Mom, when she was a retired 76 year old grandmother, could participate. (She learned how to turn her doll collecting hobby into a real publishing business which adds zest in her life and turns her hobby into a tax deductible expense.) Yet the program is so comprehensive even sophisticated business people will gain.

More Comments from Readers

“I completed International Business Made EZ in a (long!) weekend and – unlike many business books and courses – I didn’t fall asleep whilst reading it! I found it helpful to refer back to whilst I put my business ideas into action and the business and banking contacts in the course were worth their weight in gold.”

“There is a lot of rubbish written about business and ‘get rich quick schemes’ and I seem to receive some sort of junk mail or spam e-mail most days trying to sell me a ‘get rich quick’ idea, but I found Gary’s course genuinely different.”

“Firstly, the International Business Made EZ course is written by someone who has tried and proven his international business and then chose to share those practical examples in a course rather than as ‘pie-in-the-sky theory’. Secondly, although the course would show even hard-nosed, skeptical business people a few things about doing business internationally, it is written in a completely unassuming and open way and this makes it easy for anyone to gain maximum benefit in the minimum amount of time from the course.”

This electronic course is delivered online and costs $299. You gain incredible education and the importance of the knowledge for you and your family’s wealth. The course is so complete Merri and I extend our “no fooling around-complete satisfaction guarantee.”

If you are not fully satisfied in any way, just tell us with 60 days and we’ll send you a 100% full refund with no questions asked.

Does that sound fair enough?

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

To order Self Fulfilled – How to be a Publisher for $299.   Click Here.

Gary

 

International Investing Light


There may be international investing light at the end of the tunnel… soon… but we must take care for now.

See below how this can create income in Ecuador.  Hand dyed, all natural yarn ready for beautiful sweaters.

Ecuador-tours

We must take care because before we really see the international economic light, I expect one more downturn this autumn… one that will break the economic backs of many who have been just barely hanging on.

Markets and economies rise and fall in spurts and provide large influxes of  profit that create really bad fiscal and lifestyle habits that are destructive when dangerous economic ex-spurts (recessions) come long. See more about this here

The first dangerous time is when markets rise so much for so long that the general population becomes convinced that “the good life’ will last forever.   Then the second dangerous times comes in the form of a market crash.

The crash destroys many lives and finances.  Then after a year or so the markets rally on news of an economic recovery.  There is a fairly decent broad pickup, led by the consumers, government stimulation,  tax cuts and low interest-rates.   This is a knee-jerk stock market reaction, at the first sign of a healthy economy.  The stock market kicks up 10% at minimum, 30% at best. These rallies are not based on reality though. They are usually short lived.

This short term bear rally spurt is followed by another severe ex-spurt (bear market) which we should expect now.

Here are some tips to help survive such dangerous times:

First recognize that tight economies are best for making money. For example Marc Andreessen co founder of Netscape started Loudcloud, an Internet infrastructure company in a terrible recession  because there was less competition, easier access to good labor. Both businesses and employees are more realistic in tough times.

Tough times can be good because they force us to do what we should already have been doing. Human nature being what it is, we get fat when the times turn easy and seem good. Here are a few tips we should always heed, but sometimes can survive ignoring when economies boom. If we ignore them now, it is at our peril.

#1: Look for every way you can to trim expenses.

#2: Do not be inflexible or proud. Not long ago a seminar delegate told me about a friend who had risen from a zero net worth to having an Internet portfolio worth $300 million. “Then,” the delegate said, “he lost it all when the bubble burst. He went right back to where he started.” That was not quite right. That investor did not go back to where he started. He most likely acquired bad habits when he thought he was worth $300 million! Unless he shed these habits when he went broke they will make it harder for him to succeed again! In good times, we may think we deserve a certain way of life or that some things are inalienable rights. Really our only economic right it to spend a little less (maybe 90%) than we earn.

#3: Always save. No matter how tough the times, always try to save at least 10% of your income. Those who do this almost never run into economic trouble.

#4: Look harder for the silver lining. There are more in bad times than good. An old British saying is “where there is muck there is brass.”  Business is solving problems and difficult times create problems. Look for ways that you (or your investments) can help others squeeze through tight times.

#5: Be positive. One of the greatest risks in recession is a can’t win attitude. If the economy falls drastically (say 30%), you still only have to be in the top 70% to get by. The entire history of modern humanity has been one of long term growth chopped by short term recessions. Current conditions are nothing new.

#6: Remain true to your economic plan. Use three phase investing as described many times in our messages. Do not panic and stick by your investments (assuming they were made intelligently to begin). This will increase your odds of success and help you with step seven.

#7: Maintain perspective.  A USA Today article “American Workers Rethink Priorities” pointed out that many workers are taking time to rethink their grueling schedules or about pursuing work that might pay less but is more meaningful. We live in the richest, most incredible era that mankind has ever known. Our poorest have more than the richest of just centuries ago. Yet this can be hard to remember when caught in the day-to-day rush of the material rat race. Inspired investing is doing what we love and figuring out how to make money from it. We increase our odds of success and enjoy what we are doing more. When times are tough and the economy slows, this perspective can give us time to sit back for at least a few moments and ask, “What do I really want to do with the rest of my life?”

The answer is the most important asset you will ever receive.

Until next message, good global business and investing!

Gary

The greatest asset of all is the ability to earn wherever you live, which brings everlasting wealth.

This is why we offer our course Tangled Web… How to Have an Internet Business.

This is why I am giving everyone who enrolls in our North Carolina or November Ecuador International Business & Investing seminar our “Tangled Web… How to Have an Internet Business Course” (offered at $299) free.

Here are comments from a reader about the way we help:  Thank you for your inspiration and information outlining foreign banking and retirement.  Your comments and suggestions are welcome for planning the steps to evaluate the early stages of living abroad.

Join us with Jyske. Learn more about global investing, how to have an international business and diversification in Ecuador at the seminar.

Oct. 9-11 IBEZ North Carolina with our webmaster  David Cross & Thomas Fischer of JGAM

October 16-18 Ecuador Southern coastal tour Only One Place Left

Oct. 21-24 Ecuador Import Export Tour

Oct. 25-26 Imbabura Real Estate Tour

On the Ecuador Import Export Tour we visit Winter House, a boutique wool factory.

ecuador-exort-tour

They make wonderful organic cotton and wool prodcuts with all natural dyes.

ecuador-exort-tour

Their sweaters are very colorful and they’ll sell just one  but also ship entire loads to retialers in the US and Canada.  You can create basics or have them put together your own design.

Nov. 6-8 IBEZ Ecuador Seminar

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

Attend any two Ecuador seminar or tours in a calendar month…$949 for one.  $1,349 for two.

Attend any three Ecuador courses or tours in a calendar month…$1,199 for one.  $1,799