Tag Archive | "retail"

Last Chance Essential Oils


We sadly received the note below about last chance essential oils from our friends John and Candace Newman.

Candace spent many years traveling with us and the yatchaks in Ecuador.

essential-oils

Here is Candace with the Taita Yatchak, our daughter Francesca and friends on a journey through Ecuador and Peru studying mystical sites.

essential-oils

Here is Candace at our Andean hacienda Rosaspamba and its wonderful mystical views.

essential-oils

Candace with group at Lake Titicaca.

essential-oils

Candace checking out herbs at the market.

essential-oils

Candace on the trip to Machu Picchu.

essential-oils

Merri and I always use Candace’s oils because she gained so much wisdom on these trips and through her lifetime global studies.

So we were saddened to read this note: Gary & Merri, our oil sales will close October 15, 2009.

After 18 years, the decision to stop selling our Aromatherapy oil products has not been made lightly.  After much evaluation & contemplation, we believe it is the right thing to do. On October 15th, the retail and wholesale shopping carts will close. Our oils & formulas are 10% off from now until October 15th … or until the supply runs out.

We know many of you use our oils & formulas daily. This discount helps you stock up on the ones you love, and is our “early” Christmas and Holiday Sale we normally run in November.  With proper care our products last well over a year.

See August’s newsletter about proper care.

I’m continuing my free monthly Newsletter to keep you informed of classes, education and company changes; the subscription to my Aromatherapy Guides for those who want continuing education; Consultations and Treatments; and more Classes. My Classes on DVD’s and The Good Medicine Tin® will continue to be available to purchase by fax, email or phone.

John will continue to be our webmaster and will pursue some of his other special interests dear to his heart.

Aromatherapy and essential oils are one of the many soulful elements that truly make a difference in people’s lives and health around the world.  We appreciate you and are grateful for your continued support and loyalty over the past 20 years of my work with essential oils.

Our Best to You,
Candace and John Newman

I have personally loaded up with a year’s supply of  Rose Otto, Lavender, Geranium, Lemon, and Orange the oils that I use the most.

You can get more information on the oils they have left in inventory here.

Lavender 10 ml

Tea Tree 10 ml

Peppermint 10 ml

Eucalyptus 10 ml

Orange 10 ml

Frankincense 10 ml

Rose otto 4 ml

Geranium 10 ml

Lemon 10 ml

Sandalwood 10 ml

Candace also still has some essential oil mists that offer a gentle Aroma therapeutic wash that can have immediate and profound benefits, calming the mind, balancing the emotions, nurturing the skin, cleansing the body and surrounding environment.

Merri and I especially use essential oil mists when we travel or are in public places. On the plane they freshen and purify the stale airline environment. We also use them to relieve the heat of the summer.

Essential oil mists also make great stress-free gifts.  They are always in our Christmas and birthday mix.

Candace is offering a sample of four 1 oz essential oil mist blends each in amber plastic bottle with zipper carrying case with the discount.    An Essential Oil Mist Chart is included free.

It contains:

* Lavender Mist
* Lavender-Peppermint Mist
* Lavender-Rose Mist
* Rejuvenation Mist

The Lavender Mist contains aloe vera, pure water, vegetable glycerin and pure Lavender essential oil. This mist cleanses and hydrates the face, calms the mind and body tissue, balances the emotions.  It is excellent for sunburn, itching or rashes.

Lavender-Peppermint Mist contains aloe vera, pure water, vegetable glycerin, Lavender and Peppermint pure essential oils. This mist is uplifting and refreshing. It comforts and soothes the emotions and provides a feeling of  “menthol lift” lightness.  Keep one in refrigerator for a cool refreshing mist.  Use whenever feeling sluggish, anxious, or out of balance.

Lavender-Rose Mist contains Aloe vera, pure water, vegetable glycerin and Lavender and Rose Otto pure essential oils.

Rejuvenation Mist contains Aloe vera, pure water, vegetable glycerin, Sandalwood, Patchouli, Frankincense, Geranium and Rose Otto pure essential oils. This mist cleanses and hydrates the face.

ecuador-health-secret

Essential Oil Mist Sampler Details Here

We are thankful to Candace for her years of dedication and the wonderful oils she has provided over the years.

Gary

Combining good international investing with the greatest asset of all, the ability to earn wherever you live, brings everlasting wealth.

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

A clear mind and healthy body are also a vital assets… plus a second language is a powerful diversification tool.

This is why I am willing to pay you $300 to attend either our Ecuador Super Thinking plus Spanish seminar in September or our North Carolina International Business & Investing seminar in October.  Sign up for either seminar and I will email you our Tangled Web… How to Have an Internet Business Course (offered at $299) free plus I’ll knock an extra dollar off your seminar fee…. to round up the $300 savings.

See details of the two seminar below.

ecuador-seminars

Delegates at our Ecuador seminars and tours enjoy Ecuador music.

Join Merri, Thomas Fischer of JGAM, our webmaster David Cross and me in North Carolina this October and enroll in our emailed course on how to have a web business free.  Save $300.

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

Oct. 9-11 IBEZ North Carolina

Here is an email for a recent seminar delegate: Hello Gary and Merri,  I have wanted to write to tell you how much we enjoyed your IBEZ seminar, and to thank you both for inviting us all into your lovely home for lunch last Sunday.  Merri, again, thank you for taking the time to prepare foods especially for me; they were delicious, and I appreciate your effort!  Thank you for a thoroughly enjoyable, very well done, stimulating seminar.  I came away not only with all the notes provided, but also with many ideas which I plan to begin working on now that we are back home.  Wishing you all the best,

Or join us in Ecuador and learn more about living and retiring in Ecuador.

ecuador-exports

We take delegates on our Ecuador seminars to Otavalo markets.  Many buy enough goods to resell in North America to pay for their entire trip.  Ecuador textiles like these I photographed in Otavalo are popular.

Here are comments from one seminar delegate about the followup from our course:  Gary & Merri –
I know why I get a ‘warm and fuzzy’ feeling when I see your two names in the ‘From’ column of my emails!  I sincerely hope that others are getting that same satisfaction.  Thank you both again for the help and assistance in getting to Ecuador.

October 16-18 Ecuador Southern coastal tour One Place Left

Oct. 21-24 Ecuador Import Export Tour

Oct. 25-26 Imbabura Real Estate Tour

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 for two.

Self Publishing Gift


A self publishing delegate sent the note below… a gift to me because I love seeing people have success… especially when they have  attended one of our courses.

internet-business-idea

Spring on our farm.  As we adjust to the seasons, we must adjust to changing economies and times.

See how Todd Smith’s note below can be a gift to you as well.

In October 2005, I attended Gary’s “Self-Fulfilled” course on how to become a self-publisher.  At the time, I was a successful wedding photographer in Richmond, VA, and while I enjoyed my work, it didn’t completely fulfill my creative desires.  There are things you never get to express when you are working for clients.

I wanted to create a photography job that would fulfill me as an artist and give me the potential to scale my income instead of working by the job as a wedding photographer.  In the end, there are only 52 weekends a year, which means there was a cap on my wedding income potential.

Gary’s course was packed with knowledge and practical tips of how he has created and run a self-publishing business for decades.  I loved his simple description of self-publishing:  “to inform.”  He encourages his students to pick something that they are passionate about and to make that the basis of their businesses.

I love nature photography, flowers, landscapes, travel etc.  I also love spirituality, and I was a monk for a number of years.  Combining these two loves I started a free email newsletter two years ago to share new photos and to share my own uplifting observations or experiences every week.

People tell me that they look forward to my email every Thursday… some call it therapy, others pray that it will never stop.  Everyone agrees that it is a highlight of the week.

“Beautiful newsletter!  Soft and lovely way to start the day.”  Jean Byrd Frederick, MD

“You are such an artist Todd, your words paint a picture!” Bernie Koftinoff, Kelowna, BC

This newsletter has become the basis of my business.  It accomplishes two things:  1. It gets me out taking new pictures every week and hones my writing skills.  2. It keeps my work in front of people who like seeing it.

When I first published a wall calendar two years ago I sent a message to my list of 120 readers and I sold 150 calendars! If you take care of your readers they will pay you for your efforts.  This year I printed 1000 calendars and have already sold 53 in just one week in the middle of August without strongly promoting it.

As I continue to build my business through search engine optimization and promotions to other lists my base of loyal customers is growing.  Gary detailed in his course everything I needed to know to make this happen.  From time to time I look back at the huge manual he gave us as part of the course material and I discover another creative way to improve my marketing.

Publishing is a very old profession, and it is all about marketing.  The biggest piece of advice I learned from Gary’s course was “write the marketing piece before you create the product.”  Gems like this have kept my business on target in early growth phase which devours many startups.  Thanks to Gary I’m not completely flying by the seat of my pants!

I love the way Gary uses publishing to create a lifestyle that is fulfilling to him.  I use it in the exact same way.  While there is a lot to do in the startup phase, everything I do is cumulative, allowing me more and more free time to do what I love:  take photographs and enjoy a pace of life which is not breakneck.  When I was on the course four years ago, I told him I wanted to step out of the rat race.  By becoming a self-publisher I have done just that.  I can speed up or slow down my business as I like and I can choose what I want to publish.  It is a business that allows maximum freedom in life.

If you like working for yourself on your own hours and are considering becoming a self-fulfilled publisher like me, I highly encourage you to take Gary’s course and learn from someone who has been doing this successfully for years.  He certainly gave me a boost, and I still use many of things I learned four years ago in my business today.  Todd

This is nice to read… a benefit to me.  There is a benefit for you as well.

As a special promotion to my readers Todd is offering a 10% discount on his 2010 photography calendar.

self-publishing-idea

You can purchase Todd’s calendars here.  Merri and I already have received ours that we ordered for friends on our list.

Just add the calendar to your cart and use the promotion code, “garyscott” to receive a 10% discount when you check out.

internet-business-idea

Summer on the farm.  When opportunity is hot we must seize it!

Knowing how to earn through your own internet business grows in importance as unemployment grows and more importantly as types of employment shifts.

Excerpts from the September 5, 2009 Wall Street Journal article, “Job Losses Weigh on Recovery Layoffs Slow but Unemployment Rate Hits 9.7%, Highest Since 1983” by Sudeep Reddy shows that getting a job is a diminishing option.

Here is the excerpt: Nonfarm payrolls fell by 216,000 jobs in the month, fewer than the 276,000 lost in July, the Labor Department said Friday. The economy has shed 6.9 million jobs since the recession began in December 2007. The data reinforced expectations that employers will begin adding jobs by early next year, though the pace of job creation remains uncertain.

The latest figures are consistent with an economy pulling out of the deepest downturn since the Great Depression. But rising unemployment portends persistent weakness in consumer confidence, income and spending, even as manufacturers start bouncing back and stocks revive. The construction and manufacturing sectors together accounted for more than half of August’s job losses. Losses in retail and business services narrowed. The biggest gains came in health care.

The rise in unemployment, after dipping to 9.4% in July, came as more Americans returned to the work force. Teenage unemployment hit 25.5%, the highest since the government began keeping records in 1948. Most economists expect the rate to top 10% in coming months and stay over 9% through 2010.

internet-business-idea

Autumn on the farm. When times change, we must embrace change.

Even more important is the fact that when the economy recovers the types of jobs available will have changed.  Older workers and graduating students may especially be affected.

Excerpts from a September 8, 2009 article “Job change takes on a new meaning”
in the Chicago Daily Herald show how greater skills will be required. The excerpt says: If this recession has taught us anything it’s the times they are a changin’, especially when it comes to business and the labor market. And, we must coach not only unemployed workers, but also high school and college students to recognize that and look to where the jobs will be in the future when considering a career.

The reason is pretty clear. Some bellwether corporations have gone bankrupt, entire industries are rethinking and reshaping their business plan; several traditional can’t miss careers are no longer sure things.

The American work force was sent reeling by corporate cutbacks. The jobless rate now flirts with 10 percent, and the economy has shed nearly 7 million jobs since the start of the recession.

Those numbers reflect laid off workers, but they also affect graduating students unable to start their career because no jobs are available.

And, that’s why workers – current and future – need to think change.

Energy jobs, especially at companies stepping up environmental initiatives, are expected to be an area of growth.

Do you have an interest in global business? It’s more important now than ever to ask two key questions when investigating a career choice: Where will the jobs be in the future? And what do I have to do to get one?

internet-business-idea

Winter on our farm. When times are harsh, we must bundle up, hibernate or move to warmer spots… like Ecuador (see below).

Merri and I love seeing people succeed.  We can all have success when we embrace change!

Please send your stories of job change success and see below how we can help you succeed.

Gary

The greatest asset of all is the ability to labor at what you love wherever you live. This brings everlasting wealth.

This is why we are providing a special three for one offer with our  course Tangled Web… How to Have an Internet Business

This course can help you create your own internet business.

Our emailed course “Tangled Webs We Weave – How to Have Your Own Web Based Business” is a continuing educational program.  You receive the first 28 lessons when you enroll and a new lesson every week or two.

This course teaches how to create a web based business and is developed from the ongoing experiences that we have from our successful and profitable internet business.

This course is well worth the enrollment fee of $299… but currently you also receive two additional courses FREE.

The other two courses are #1: International Business Made EZ, and #2: Self Fulfilled – How to be a Self Publisher.

These two courses have sold for $398 and thousands have paid this price. We add them to your course, at no added cost, as I believe they will help you develop a better business in these crucial times..

Even Better Get All three Courses Free

To make this offer even more compelling,  I am giving everyone who enrolls in our North Carolina or Ecuador International Business & Investing seminar in October or November all three courses, “Tangled Web… How to Have an Internet Business Course,”  “Self Fulfilled- How to be a Self Publisher” and “International Business Made EZ” free.

internet-business-idea We always conduct our autumn North Carolina course on the first weekend of October… the best time to enjoy  the leaf change.

Join us with Jyske Bank and my webmaster David Cross in West Jefferson North Carolina. Learn more about global investing, & how to have an international business at the seminar.

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

internet-business-idea

You’ll see views like this on your way to West Jefferson for the October seminar.

Or head south to Ecuador!

ecuador-hotel

October 16-18 Ecuador Southern coastal tour

Oct. 21-24 Ecuador Import Export Tour

Oct. 25-26 Imbabura Real Estate Tour

ecuador-hotel

In Cotacachi the weather is always Spring like.  Here is the village plaza near our hotel Meson de las Flores.

Join us with Peter Laub of Jyske Global Asset Management in Ecuador. Learn more about global investing, how to have an international business at the seminar.

Nov. 6-8 IBEZ Ecuador Seminar

ecuador-hotel

Let our friendly staff at Meson de las Flores serve you.

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

ecuador-hotel

This shorts weather photo was taken from our beach penthouse in February.

Join us in the mountains and at the sea.  Attend more than one seminar and tour and save even more plus get the three emailed courses free.

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

Read the entire articles: “Job Losses Weigh on Recovery
Layoffs Slow but Unemployment Rate Hits 9.7%, Highest Since 1983″

Job change takes on a new meaning

Multi Currency Seasoned Bond Yields


Multi currency seasoned bond yields offer special potential now.

One benefit of being aged 62, with 40+ years of global investing under the belt is that it is easier to spot rare opportunities that only come once in awhile, simply because I have experienced them before.

Current events in the multi currency seasoned bond market remind me of the last great credit crunch in the 1970s when you could earn high yields on multi currency bonds.

First, a quick primer on investing in seasoned multi currency bonds. A seasoned bond is a loan that was issued over six months ago. When that bond was issued, a currency, maturity date and (depending on the prevailing current interest rates at time of issue), an interest rate is set.

Take the US dollar GMAC Bond 6.875% 15/09/2011 as an example.

This means that General Motors Acceptance Corp. borrowed US dollars and promised to pay 6.875% interest until September 15, 2011 when it will repay the loan.

The bond, again depending on current interest rates and the credit rating of the company, was issued either at par or at a premium or discount.

If the bond was sold at par to begin, investors who invested $10,000 bought a $10,000 bond. If it was sold at a discount they paid less than $10,000 for a $10,000 bond. If there was a premium, investors paid more than $10,000.

Interest however is usually paid semi annually on $10,000 (though it can be quarterly or annually) so every six months (March and Sept.) the investor has received $343.75 (half the $687.50 which is 6.875% of $10,000).

This bond is seasoned because it is now offered for sale in the bond market…just like a share is sold on the stock market. However it is the interest rate, rather than potential dividend, that sets its fundamental price.

This GMAC bond above, as of September 2008, had three years until it matures (meaning when the $10,000 is paid back). Interest of $687.50 (6.875%) will be paid each year so this bond is worth in total $2,062 (6.875% interest) plus $10,000 (repaid in three years) or $12,062 over the three years. If interest rates rise to 7.5%, then the bond is worth less because a new bond offering 7.5% would be worth $12,250. The seasoned bond example would fundamentally be worth $188 less than a 7.5% bond. All other things being equal, the example seasoned bond above would sell at a discount price of about 99.

In other words, a new investor would only be willing to pay $9,900 for a $10,000 bond because $9,900 at 7.5% creates $742.50 a year of interest or $2,222.75. So the discount
makes up for the lower interest of 6.875% versus 7.500%.

That is the fundamental that drives bond prices…but just like shares, the market then has opinions based on the credit rating on how much interest rates will change, etc.
These opinions are based on the number of years to maturity, expected interest rate change and expected credit worthiness of the borrower. Just like shares on a stock market, bonds on the bond market are usually bought and sold for more or less than they are fundamentally worth based on a buyers and sellers differing opinion.

The same rule that applies to share markets applies to bond markets. “In the long term markets are efficient and can be trusted because they are ruled by fundamentals. In the short term, markets are unpredictable because they are ruled by human emotion.”

Right now bond markets appear similar where they were in the 1970s (when I made a killing by buying good quality bonds). It appears that the human emotion of fear has caused bonds to be oversold.

For example that US dollar 6.875% 15/09/2011 GMAC bond we used as an example above was for sale yesterday at 34.00. In other words an investor could have bought a $10,000 bond for $3,400. This created a yield potential of 54.27%. Investors would get back $12,062 over three years for an investment of $3,400. They nearly quadruple their money in three years.

This bond was used as an example but this lesson does not recommend this bond which has a junk bond credit rating.
The reason for this huge discount is that GMAC may not be able to repay the $10,000 in three years. Investors may lose part or all of their investment . Buying this bond is a speculation. Most of us should leave it to the gamblers and pros.

However, wise investments are available in better quality discounted seasoned bonds.

The current credit crisis has the corporate-bond market spiraling down. Corporate
bonds with low credit rating (like the GMAC above) have dropped by massive amounts. But also more secure, safer corporate bonds with a higher rating have been hit hard as well and are available at big discounts.

The spread on European euro denominated BB- rated corporate bonds has, for instance, increased sevenfold compared to the spread in the spring of 2007.

The euro spread is the extra interest earned above what a top quality major market government bond Such bonds are considered a baseline of safety. Risk premium is measured by how much more a bond will yield than these safest bonds.

The chart below shows that in 2007 investors could earn 3% more than the safest bonds. Now they can earn 7% more.

multi-currency-bond-spread

This large sell-off in reasonably safe bonds is due to investors’ search for liquidity. This falling price on these better credit corporate bonds creates a golden opportunity for long-term investors.

Take for example, a Gazprom bond denominated in euro with a 7.8% coupon (interest rate) that matures 27-09-2010 (September 27, 2010). This bond in the energy sector has a A3 / BBB but is selling at the discounted price of 97.50 which creates a 9.2% yield or 6.03% over the safety baseline.

All investments have risk…now more so than in most times. The key to good investing is to make sure you are paid an adequate premium for taking the risk.

As we look at examples above and below, remember that rates change continually so earnings an investor can actually make, may be more or less depending on rates at the time of investment.

In the Gazprom example above, a €9,750 investment on September 27, 2008 returns €11,840 over two years. €1,840 in interest and €10,000 in maturity September 27, 2010.

Let’s now look at a US dollar example of a Gazprom bond.

The 7.93% June 28, 2013 Gazprom issue is offered at the discounted price of 82.25. his creates a yield of 13.08% which is a premium of 10.64% over a US Treasury bond. Investors would pay $8,225 for the $10,000 bond in this example. The bond would then pay $793.30 per annum interest through June 2013. In 4.5 years this is a total interest earning of $3,600. Plus the bond, at maturity returns $10,000 or a total return. This creates a total return of $13,600 on the $8,225 investment. Over the four and a half years the total profit is $5,375 on $8,225 invested or 65.34% (about 14.52% per annum).

This is an excellent return for investment grade bonds.

In addition investors with $100,000 to invest can create a multi currency sandwich by borrowing up to one time the investment. US dollar loan interest is in the 4% range.

Imagine the example of an investor who invests $100,000 in December 2008, (used to make the calculation an easier 4.5 years, Dec. 2008 to June 2013) plus borrows $100,000 and invests the entire $200,000 into bonds of this type.

Assuming this same discount prevailed at that time, $200,000 would buy about $242,000 of such bonds at the discounted $82.25 price. The total interest earned from the bonds from now to June 2013 would be about $86,350 minus an interest cost of $18,000. This leaves $68,350 of net interest earned.

Plus of course $242,000 is paid back at bond maturity. The loan repayment would be $100,000 leaving $142,000. The total earnings on the original $100,000 invested would be $68,350 plus $142,000. The investor gets $210,350. This is a total net profit of $110,350 above the original $100,000 invested. This is a 110.35% total return or about 24.52% per annum over the 4.5 years.

There is no currency risk in the loan because it is in US dollars and the investment is in dollars as well.

What are the risks?

One risk is that the interest rate on the loan could rise. In this case you would normally just sell bonds to pay off the loan if the interest rate of your loan rose higher than your yield.

However there is another risk…normally one so remote we would barely mention it. With such short term bonds the capital value of good and even medium risk borrowers would hardly ever fall, unless there was some special corporate misfortune. Never would we expect all investment grade bonds to lose much capital value.

These are not normal times though. This is why we may never see such a guaranteed profit potential with such a low risk again.

However in the short term, if liquidity continues to tighten the yield on such bonds could rise even more and their capital value fall further. Be sure to review your liquidity needs with your investment advisor. You do not want to be caught having to sell at the wrong time. Plus if you leverage though a loan…never leverage more than you can afford to lose.

In a real time situation investors would also normally diversify into more than one bond for greater portfolio stability.

I have been sending my Multi Currency Course subscribers a seven chapter report about the bond potential now. This report contains a review of many bond recommendations. You can have this report as a multi currency subscriber. Learn more about how to subscribe to our multi currency course.

You can invest in the bonds mentioned above via Jyske Bank (American investors can use Jyske Global Asset Management JGAM).

I just finished a long meeting with Thomas Fischer at JGAM to review the updated services that JGAM. JGAM now has an advisory service so US investors can invest in multi currency seasoned bonds. Based on what I learned about the new services Jyske offers Americans, I am personally investing $1 million in a new program to help my multi currency course subscribers understand how to use these services.

You learn how to use this million dollar program when you subscribe to our multi currency course.

Jyske Bank’s Safety Rating

Jyske Bank is Denmark’s second largest bank and I have worked with them for over 20 years. They are my main bankers and investment advisors and have in depth multi currency investment experience.

On October 10 2008, Moody’s affirmed Jyske Bank’s long-term Aa2 rating stable rating. The affirmation of the ratings reflects Jyske Bank’s strong domestic retail and commercial banking franchise, current good asset quality, strong capitalization, and strong risk management. This decision came despite the deteriorated economic prospects in Denmark, particularly in respect of the property market.

New Danish Government Bank Guarantee

Also on Friday 10 October 2008, Jyske confirmed that it had no exposure to Iceland debt. In addition the Danish Parliament passed a bill that secured all deposits and unsecured claims against losses in Danish financial institutions. The agreement was designed to reassure both depositors and the banking community. It is up to each bank to decide to join the new guarantee scheme. Jyske Bank announced that it will join the new government guarantee scheme. During the two-year programme, banks cannot issue dividends, make share buy-backs or establish or renew share option schemes for managers. The rating of the Kingdom of Denmark is Aaa/AAA with Moody’s and Standard & Poor’s respectively.

For more details on how to buy multi currency seasoned bonds at Jyske bank aand JGAM contact:

US investors contact Thomas Fischer at fischer@jgam.com

Non US investors contact Rene Mathys at mathys@jbpb.dk

Until next message, may your multi currency investing bond with high profits.

Gary

There is great beauty here in the Blue Ridge as the leaf change begins to take hold. Here is my front yard view now.

multi-currency-purpose

The salmons and gold mean its time to think SOUTH, WARM and SUNNY. This will be my Cotacachi Ecuador view soon.

Join Merri, me, Steve, Kjetil Haugan and Peter Conradsen of Jyske Global Asset Management in Cotacachi Ecuador. We’ll review economic conditions, Ecuador real estate, my entire portfolio, seasoned bonds and investing and business ideas for the months ahead.

Our delegates have a great time as they learn. Here is last week’s group enjoying an organic wine and cheese reception after the course at Bohemia Gallery and Cafe in West Jefferson North Carolina.

multi-currency-seminar-delegates

Nov 7-9 2008 International Investing and Business Made EZ Ecuador
https://www.garyascott.com/catalog/international-business-made-ez-ecuador

Stay on for the real estate tour Cotacachi and surrounding areas. See wonderful condos like this for sale at $46,000 in Cotacachi.

multi-currency-Ecuador-condos

Nov 10-11 Cotacachi-Imbabura Real Estate tour
https://www.garyascott.com/catalog/ecuador-real-estat

Then travel to the coast. See Vistazul condos like this for $89,000.

Ecuador-beach-condo

With this clubhouse view.

Picture 9

November 12-15, 2008 Ecuador Coastal Real Estate Tour; Quito Real Estate Tour
https://www.garyascott.com/catalog/ecuador-coastal-real-estate-tour

See discounts for two or more of these courses and tours