Tag Archive | "Retirement"

We Wait for Pain

We do not have to wait for pain as we age.  I’ll explain why in a moment.

First, let me point out that the sentence “We Wait for Pain” shows why learning Spanish may be easier than you think.


Super Thinking + Spanish teacher John Sloan teaching his first course in Costa Rica.

This sentence “We wait for pain” shows one reason Spanish is so easy to learn.  In Spanish there are hardly ever confusing words that sound one way but are spelled another.  Even better there are no words that sound the same but are spelled in a totally different way and have a completely different meanings.   “We wait for pain” could be “Wee Weight Four Pane”.

Spanish is a phonetic language.  There ya go.  Another example.  Even the word phonetic makes no sense phonetically.  This word should be spelled “Fonetic”.  In fact in Spanish it is… “Fonético”.

The phonetic aspect of Spanish is one reason why you can learn Spanish in three days.  See other reasons at Learn Spanish in Three Days.

However there are more important reasons “Beyond Simple” to know Super Thinking + Spanish and why a micro business teaching Spanish offers incredible opportunity “Beyond Money”.

The excerpt below from the New York Times article “Exercising an Aging Brain” by By Denise Grady shows that teaching is an exceptional career “beyond the money” because it slows mental aging!

Here is an excerpt from the article (bolds are mine):  MORE and more retired people are heading back to the nearest classroom — as students and, in some cases, teachers — and they are finding out that school can be lovelier the second time around. Some may be thinking of second careers, but most just want to keep their minds stimulated, learn something new or catch up with a subject they were always curious about but never had time for.

For many, at least part of the motivation is based on widespread reports that exercising the brain may preserve it, forestalling mental decline and maybe even Alzheimer’s disease and other types of dementia.

“When you and I are having this conversation, you’re taking notes, thinking, remembering pieces of it, trying to relate it to other things,” said Arthur Toga, a professor of neurology and director of the laboratory of neuroimaging at the University of California, Los Angeles. “You’re changing the circuitry in your brain. That is because you have changed something in your brain to retain that memory.”

Dr. Toga elaborated: “The conversation requires nerve cells in the brain to fire, and when they fire they are using energy. More oxygen and sugar must be delivered, by increased blood flow to those regions.

“Why would that be good? If you are vasodilating, delivering more blood to certain regions of the brain, that is important. It increases the longevity and the health of those circuits. In adults, if I ask you to perform tasks you’ve never done before, the amount of brain it takes for you to try and do it is far greater than the amount of brain it takes for you to do something you’re already good at. So yes, exercising the brain is good.” Playing video games probably qualifies as a type of brain exercise, he said, though older people might not sharpen their skills as fast as younger ones do.

But research continues. Dr. William Jagust, a professor of public health and neuroscience at the University of California, Berkeley, said there were two main theories that tried to explain why exercising the brain might make it more resistant to disease.

One is the “cognitive reserve” theory, which says that if the brain is in the best possible shape with extensive neuronal connections from being used a lot, it may be able to withstand the onset of Alzheimer’s disease for a while and symptoms may take longer to develop.

A hallmark of Alzheimer’s is deposits in the brain of an abnormal form of a protein called amyloid.

“A paper we published showed that people who were more cognitively active over their whole life span had less amyloid,” Dr. Jagust said.

“A variety of things is important,” Dr. Toga said. “We try to encourage people to do certain things because it couldn’t hurt and may be good. Retaining lots of social interaction is really important. It involves so much of the brain. You have to interpret facial expressions and understand new concepts. If you want to learn to ride a monocycle or do acrobatics at 75, it’s probably not a good idea. But exercising more geography in the brain, I think that’s important.”

 Few activities are as socially interactive as teaching!  This does not mean we should wait until we are old to teach. 

The same article also said:   “My interpretation is that people who are more cognitively active have more efficient brains,” Dr. Jagust said. “What seems to happen in aging is that older people seem to have less efficient brains.” A scan of brain activity on a 20-year-old being asked to remember something will show less activity needed than in an 80-year-old asked to perform the same task.

“Older people seem to activate or bring on line brain areas that young people don’t use,” Dr. Jagust said. “They have to work their brains harder. So people who stay cognitively active may use their brains more efficiently.”

That way, they may generate fewer amyloid deposits. But he emphasized that being mentally active throughout life — not just in old age — was what mattered.
“It has to do with lifelong patterns of behavior,” Dr. Jagust said. “We tend to focus on what people do at 75 in terms of dementia. But there is more evidence that what you do in your life, at 40 or 50, is probably more important.”

This era of rapid change makes it harder to earn a good living and enjoy life.  Standardization… globalization and growing population puts stress on so many. We call it the rat race… a never ending struggle where the treadmill continually accelerates.

This stress and the unraveling of the social pact… mean that money… savings… investments… pensions and  Social Security are becoming less and less dependable.   The only real assets are a keen mind, dependable body and an ability to serve.

This is why teaching is such a great way to serve.  In this information era… few things are as valuable as knowledge.  Plus the process provides freedom and helps us remain mentally active.

Whether you learn to teach Super Thinking or not… learn to teach something.   This is a good way to return some of the blessings we have all received and  we gain more than money.   We may gain mental clarity and much more.  One Super Thinking + Spanish teacher who just completed his first course (which allowed him to spend the winter in South America and earn while there) summed up the greatest benefit perfectly when he wrote.

“Although drained and tired yesterday from three days of being “on”, today I feel very buoyant and charged up from the joy and positive feedback I got from the delegates.  Along with their progress from no Spanish to speaking before my very eyes, I can report to you in all honesty the feeling I have being part of their progress is simply intoxicating.  I understand now why you and Merri do what you do very well indeed.” 

New Teacher Aid Program.   There is a new way to learn how to speak Spanish in three days FREE as a Teacher’s Aid.  See details here.

Change.  We fear it. We resist it and we can let us ruin our lives. Yet without it… our existence would still be in caves.   As change speeds up we can embrace change and retire from the rat race.  For mental stability… the sooner… may be the better so we do not have to “wait for pain as we age”.  Hoo kneads the weight of waiting inn are thyme???


“Exercising an Aging Brain”

Retirement Assets Going to the Dogs

The global economy may be going to the dogs but you can see here how a lesson from dogs can help you retire.

Laughter is a valuable asset for retirement at any age… good for your brain and body.

On the subject of dogs meet Angel.


We’ll see more on the “Trash Can Hound” in a moment.

Dogs believe it or not can give us a clue on how to retire at any age.

First  let’s review some of yesterday’s news about the predatory nature of the world we face when we thinking about retiring from the rat race.

A New York Times article “Public Rebuke of Culture at Goldman Opens Debate” tells how Greg Smith a midlevel executive at Goldman Sachs resigned and published an Op-Ed article detailing his criticisms  about how it made him ill how callously people at Goldman talk about ripping off clients.

The article also mentioned accusations brought by the Securities and Exchange Commission in 2010 that the firm intentionally duped certain clients by selling a mortgage-security product that was designed by another Goldman client betting that the housing market would crash. More recently, a Delaware judge criticized Goldman over the multiple, and potentially conflicting, roles it played in brokering an energy deal.

This is the firm that after we the taxpayers gave $10 billion in bailout money fired 1,000 workers in the United States and elsewhere and shifting their jobs to the cheaper Singaporean labor market in 2011 at a time of record profits for the company, which raked in $2.7 billion in profits in the first three months of 2011 alone.

US Taxpayers who invest are slammed three ways… paying for the bailout…. dealing with higher unemployment and protecting against chicanery in investing markets.

One way Merri and I have for overcome this over the decades is to fix up worn out old properties and make them valuable again.  We have done this in London.  We done this in Florida. We have done this in the Dominican Republic.  We have done this in North Carolina.  We have done this in Ecuador.

This has always been gratifying because we feel one purpose in our lives is helping the environment.  What better way than to save ruined houses… make them beautiful and useful.  It is good to think of some resources that have been saved.

The process has also been financially rewarding.  I have never checked the actual figures but certainly we earned enough to be financially independent.  Having some money is required to retire from the rat race.

We have also tried to help worn down people reclaim their natural beauty… energy and worth.

More than the money though… the most important part is joy in the process.   Seeing the tarnish of anything or anyone removed and watching the inner beauty once again revealed is a delight.

Fixing up worn out places… worn out houses and worn out people is fun!

There is one more favorite pet project we love.

Meet Angel again.


We love helping worn down dogs because the return goes way beyond money.

Readers who have shared this site for long will have known Ma our pumpkin patch hound (Ma was found abandoned with broken ribs/legs in a our North Carolina pumpkin path).  Merri, Ma and I were inseparable. She traveled with us continually to Oregon, Florida, North Carolina and Ecuador with us.  When she passed at age 15 there was real mourning here and we have felt a great void in our lives.

Ma was special and we trained her to pass her AKC Canine Good Citizens Award a rare event for a hound because they have it in their nature to run free.

If you believe in reincarnation Ma has returned in the form of Angel…  a Red and White Coonhound mix.   If you do not believe in reincarnation,  we have found a new hound brought to us by a great dog rescue organization called RUFF (Rescuers Uniting Forever Friends).

Angel is our trash can hound… as she came to us after being found abandoned in a trash can.

We are delighted for several reasons but this means we are back to square one… in terms of dog training.

This is where Merri and I (and our retirement planning) gain so much because training dogs stresses the natural importance of FUN!

My most potent weapon in training is play.  When Angel does what she should do, her reward is play.

Fun and play can help us retire from the rat race… at any age and in any place as well.

Our Super Thinking courses help delegates learn how to use frequency modulation to integrate brain waves so they attain and stay in a state of relaxed concentration because concentration… focus… patience are keys to success.

All too often concentration creates stress and reduces the effectiveness of the focus.  We lose the ability to see the forest with too much concentration on the trees.

Super Thinking delegates learn numerous techniques to attain this state of relaxed concentration, but nothing helps create relaxation and concentration faster than fun.  You cannot be tense when you are happy and laughing!

Laughter is good for the brain because it integrates the brain waves.

An article Helpguide.com shows several ways to improve your memory and one  is laughter.

An excerpt from this article says (bolds are mine):   You’ve heard that laughter is the best medicine, and that holds true for the brain as well as the body. Unlike emotional responses, which are limited to specific areas of the brain, laughter involves multiple regions across the whole brain.

Furthermore, listening to jokes and working out punch lines activates areas of the brain vital to learning and creativity.  As psychologist Daniel Goleman notes in his book Emotional Intelligence, “Chunking breaks a long list of numberslaughter…seems to help people think more broadly and associate more freely.”

Looking for ways to bring more laughter in your life?  Start with these basics:

•    Laugh at yourself. Share your embarrassing moments. The best way to take ourselves less seriously is talk about times when we took ourselves too seriously.

•    When you hear laughter, move toward it.  Most of the time, people are very happy to share something funny because it gives them an opportunity to laugh again and feed off the humor you find in it. When you hear laughter, seek it out and ask, “What’s funny?”

•    Spend time with fun, playful people. These are people who laugh easily–both at themselves and at life’s absurdities–and who routinely find the humor in everyday events. Their playful point of view and laughter are contagious.

•    Surround yourself with reminders to lighten up. Keep a toy on your desk or in your car. Put up a funny poster in your office. Choose a computer screensaver that makes you laugh. Frame photos of you and your family or friends having fun.

•    Pay attention to children and emulate them. They are the experts on playing, taking life lightly, and laughing.

The first slide we show in our Super Thinking + Spanish course is below.


Fun is a main pillar in this educational experience because we know the learning power of fun.

See how to learn Spanish in just three days.

Dogs are wonderful providers of fun and exercise.  They love to play… how many humans show up with a toy in their mouth?  They force us to get out and take that walk we might otherwise put off.  They absorb a lot of negativity.

Laughter is a powerful super thinking tool that helps create relaxed concentration and this EZ focus is one of the best assets for gaining early retirement from the predatory world.


Read”How to Improve Your Memory

ARCA Foundation  website

Using Frequency Modulation to Survive in a Predatory World

Ancient wisdom can help us see beyond logic for retirement in a predatory world.


Ecuadorian wise men of the past had a deep understanding of nature… astronomy and sense of place as this positional structure at the entrance of Cotacachi shows.  That wisdom can help us think beyond logic when it comes to retiring from the rat race at any age… 30, 40, 50, 60 or later despite living in a predatory world.

Ecuador is a great place to retire at any age… right now.

A March 7, 2102  Yahoo.finance.com article entitled “Ecuador Seen as New Retirement Hot Spot” by Alina Dikik says:  The warm weather, cheap housing, and inexpensive healthcare are a draw, especially for baby boomers with eroded nest eggs and a sense of adventure.

For retirees, leaving the United States often means a more affordable way of life, including low-cost healthcare, real estate and even gasoline prices. Cherry-picking a warm weather spot can offer another perk. Some expatriate retirees also point to the social benefits that accrue when they become part of a tight knit community.

Logistics like health insurance and banking have been surprisingly easy, says Connie Pombo. The Pombos pay $85 per month for comprehensive health insurance with Nova Ecuador, a national insurer.

Pombo says most retirees prefer to simply pay out of pocket for doctor visits, which are less than $20 per appointment.

How Long Will Ecuador be a Good Place for Retirement? 

Not everything is perfect.

The article goes on to say:  Ecuador is still in the infancy stage in terms of attracting … the infrastructure is still not as strong as other places like Costa Rica.  Many Americans are not prepared for the language and the culture.

Real estate scams are common and can include hidden fees. It’s unregulated and nobody is enforcing the laws.

Ecuador has recently seen an increase in long-term home rentals, which can be a good alternative to buying, she adds. Negotiating a two or three-year lease can halve monthly payments. For example, a three-bedroom, waterfront condo can rent for $700 with a multiyear lease.

Unexpected living expenses also add up… the cost of furniture, appliances and electronics, can sell for up to three times. Western-sized clothing can be especially difficult to find… Americans tend to be a lot bigger.

The article also points out that retired expats are required by the U.S. government to pay taxes, even if residing abroad plus it says:   Crowder also cautions Americans thinking of retiring abroad to not be overly trusting. White-collar crime is becoming a concern for some retirees in Ecuador. “Gated communities have these big austere looking fronts, but a lot of crime is committed by insider jobs,” says Crowder who owns a home in Ecuador. He warns against an increasing number of expat criminals who establish trust with retirees by speaking fluent English. Expect to be bombarded with ways to part with your money from locals too.

A local attorney can help start the year-long residency process and specify which notarized documents are necessary before leaving the United States. Brushing up on Spanish and learning about the Ecuadorian language and culture is a must.

Our Ecuador Ateam services help solve three of the problems above:

#1: Provide contacts with attorneys, brokers and agents with good long term records.

#2: Provides real estate tours so you can assess property markets (now in their tenth year) on an objective basis.

#3: Help you learn Spanish with Frequency Modulation.

However Frequency Modulation is more important than helping in Ecuador and Spanish now.  FM can help in all the future…. anywhere… with any learning and thinking.

Recent messages have reviewed thoughts on the problems retirement may face in the future.  A growing and aging population is breaking down the social economic contract we call money.  Saving to retire may not be enough because the purchasing power of money in core industrial nations may fail.

Deciding where to retire is difficult because of the chaotic state in the world.

A previous message at this site said:  The mindset of the Western world is  indoctrinated on these 3 Ps…position, possession and popularity.  These concepts form the foundation of many lives and they are the precursors for stress, tension and poor health as well as financial doom.   These structural flaws in our social economic morality create a template for self slavery and potential failure.  We voluntarily become chained to our desk or jobs and are willing to even cheat (ranging from small fibs on loan applications to doctoring books to billion dollar Ponzi schemes) to gain the 3Ps.   The weakness in this framework of thought also leaves us open to fraud.

The framework of this materialistic mindset goes way beyond the creations of our personal risks as well.  The framework reaches to the very core of world’s  geo-political tensions and chaos.

This creates a predatory world and super thinking can help us survive in a predatory world.

This is not likely to change quickly.  Can we rid ourselves of poverty in our lifetimes… if ever?    Deuteronomy 15:11 suggests not when it says: There will always be poor people in the land. Therefore I command you to be openhanded toward your brothers and toward the poor and needy in your land.

In our lifetimes we”ll probably not see a perfect world… we’ll not find perfect places without poor.. without fear… without crime… without tension… and these forces create predators.

What can we do to live and retire amidst all this stress without letting it get us down?

First,  living in a calm life in a world of stress we can develop a historical perspective on the world’s problems creating by this eternal jockeying for the three Ps… possessions… position and power.

To get one perspective, let’s follow a vine of social discontent back about a hundred years to WWI as it impacts our forward thinking on where to invest… where to do business…. where to live and retire now.

This vine leads us to WWI and the Balkans.

According to Wikepedia: The causes of the military conflict, which began in central Europe in August 1914, included many intertwined factors, such as the conflicts and antagonisms of the four decades leading up to the war. Militarism, alliances, imperialism, and nationalism played major roles in the conflict as well. However, the immediate origins of the war lay in the decisions taken by statesmen and generals during the July Crisis of 1914, the spark (or casus belli) for which was the assassination of Archduke Franz Ferdinand of Austria by Gavrilo Princip, an irredentist Serb.[1] However, the crisis did not exist in a void; it came after a long series of diplomatic clashes between the Great Powers over European and colonial issues in the decade prior to 1914 which had left tensions high. In turn these diplomatic clashes can be traced to changes in the balance of power in Europe since 1870.[2].  Fundamentally the war was sparked by tensions over territory in the Balkans. Austria-Hungary competed with Serbia and Russia for territory and influence in the region and they pulled the rest of the great powers into the conflict through their various alliances and treaties. The topic of the causes of, or guilt for, the First World War is one of the most studied in all of world history. Scholars have differed significantly in their interpretations of the event.

If so, tensions in the Balkans were a driving force in social military tensions at the turn of the last century.

The Balkans include:

*  Albania
*  Bosnia and Herzegovina
*  Bulgaria
*  Croatia
*  Greece
*  Kosovo
*  Macedonia
*  Montenegro
*  Serbia

Other countries sometimes included are:

*  Moldova
*  Romania
*  Slovenia
*  Turkey

The problems remain with us today, plus according to many  WWI was the root of WWII. Winston Churchill described the treaty of Versailles, “monstrous” and “malignant.”

WWII created such tension that Harry Truman and many others were so paranoid about Communism that the Truman Doctorine evolved which led to the Korean and the Vietnam War.

The Vietnam War kick started America’s drug problem which has created such wealth that Mexican and Colombia drug lords can undermine federal authority and even create risk in places where Americans typically retire… Southern California… Arizona… South Florida.

The LA Times has a huge section in its paper entitled “The drug war at our doorstep”.

An NPR.com article entitled “Mexican Drug War Brings Violence To Arizona” says: Home invasion and kidnappings are on the rise in Arizona. State authorities pin the blame on Mexican organized crime. Host Cheryl Corley speaks with Ariz. Attorney General Terry Goddard about how he hopes to address the problem.

This problem hit South Florida first. When enforcement efforts intensified in South Florida and the Caribbean, the Colombian organizations formed partnerships with the Mexico-based traffickers to transport cocaine through Mexico into the United States and spread the drug wars across the American south.

This is one vine of history in a thick foliage of reality that is so dense it creates a dark jungle that no amount of logic can penetrate.

On the subject of military political history  am reading one really fascinating book now… “Twilight Warriors”.

The Twilight Warriors, is the winner of the 2011 Samuel Eliot Morison Award for Naval Literature and looks at the final—and most brutal—battle of the Pacific war: Okinawa.

This is especially interesting to me (and many boomers) because my father was a Seabee attached to the Marines. Wounded in the invasion of Iwo Jima, he was hospitalized in Hawaii and scheduled to return to battle probably in the invasion of Japan… which would have been perilous.

During his hospitalization the Battle of Okinawa became the most expensive naval battle in American history, with almost 10,000 American casualties. Thirty ships were lost, and over 350 more were damaged, many beyond repair.   Okinawa taught President Truman a grim lesson: “any weapon,” even an atomic bomb, “was preferable to an invasion” and this perhaps was a fulcrum point in the fabric  of reality determining “to be or not to be”.   Had dad gone onto another invasion I might not have been.

Random House also reported that “Twilight Warriors”  was a History Book Club Main Selection and a Featured Alternate of the Book of the Month Club and the Military Book Club.


Read more about The Twilight Warriors


Read more about Bob Gant’s books here.

Where is it safe to go in a predatory world ? Where  will we be able to afford to live?  Where will we find peace?

The answer is not a nation or state… but is in a state of being… being more intelligent… more flexible… more intuitive wherever you go… or are led.

How can we figure out these answers?

We cannot.  Logic is a deficient tool in our universe where chaos rules along with order.  This graph from Jame’s Gleick’s book “Chaos, Making a new Science” shows how everything in our universe moves from states of order to disorder.


Mark Twain expressed this reality nicely when he said: He is now rising from affluence to poverty.

The logic of logic shows why it will not work in our quantum world.  Logic in the form of deductive reasoning concerns what follows necessarily from given premises (if a, then b).  Logic requires seeing a reliable given premise a to understand “b”. Quantum mechanics suggests that reality is too complex for our minds to see enough facts.  There is too much information to process to come up with accurate premises.

If we cannot think our way to a happy lifestyle… what can we do?

First, we can accept that everything is in perfect order and remember the importance of attitude.  Kahlil Gibran, the Lebanese poet, stresses attitude’s value nicely:  Your living is determined not so much by what life brings to you as by the attitude you bring to life; not so much by what happens to you as by the way your mind looks at what happens.

Second, we can add frequency modulation into our armory of thought processes to expand our vision when outside events are so unpredictable we cannot depend on logic.

When we think as the shamans of the Andes, we see events…fate…and our free will as being connected. The shamans call this “following the forces of nature”.

The circular thought of the shamans is sometimes difficult to grasp.  Some shamans will say something that seems it has no logic…until one day an event…act or an aha starts to make sense.

For example, their concept of fractals is that everything is part of a sacred geometry that leads us to where we should be.  They observe what they see and look for hints or clues as to where they should go from what they see.

Here is an example that has been meaningful to me.

The shamans say that any mountain near us when we grow up is our mother (Pacha Mama).  They believe that she guides us on our life’s way.

This never made much sense to me until one day when we were visiting our daughter, son in law, grandkids and my mom in Portland, Oregon, where I was born and raised.

Each day I walked out my mom’s front door (she has lived in the same house for 50 years) and enjoyed the view where I grew up.


Mt. Hood… my Pancha Mama. Something was gnawing at me…where had Mt. Hood led me? I missed that connection until…


I returned to Cotacachi and noticed the equivalent geometry. This is Mt. Cotacachi that one can see each day from Cotacachi.

This did not hit me fully until we took my mom to a favorite beach of ours that is our historical escape on Oregon’s coast.  I took this photo  as I looked down the beach.

This made me think even more about where I had been led.

Mt. Hood and this coastal view were a big part of my youthful formation… pictures I saw as I grew.


Then I realized how similar this geometry is to our beach escape in San Clemente, Ecuador.

Cotacachi fractals

Our life in Ecuador in the US and I suspect anywhere we would find ourselves is filled with abundance.  Did the sacred geometry beginning with a bullet shot by Gavrilo Princip in Serajevo  lead me to Cotacachi and San Clemente?   Did these same patterns return us to the USA and bring our involvement in agriculture?

Did we make our decisions to live in these wonderful places because of some impression beyond logic…some deeper message given long ago?

I don’t know the answers to these questions, but do know that the biggest joys in our lives have all come from using frequency modulation to make decisions that are beyond logic.


Retire on Ecuador’s Beach at 40

Retirement on Ecuador’s beach at Bahia at age 40?

See how to get a FREE report on Bahia below.


Ecuador’s area of maximum growth north of Bahia de Caraquez.

Years ago, we showed readers how one could live in Ecuador for $700 a month… if you owned your home.

Today this is still possible, but we would prefer to say that one can live very well for $1,500 a month… even if you rent.

However inflation is with us so the ability to have some extra earnings is a valuable asset.  This is why we have  been sending out our Extra Export Earnings reports.

Jean Marie Butterlin just sent this note about a reader who has retired in Ecuador at age 40 that helps understand life in Ecuador better..

The story of Anna and Henry on how to retire at 40 and enjoy life in paradise.

Jean Marie Butterlin

Anna, Henry and their daughter Won moved to Bahia a year ago and are living life in paradise.  This is the view from the terrasse of their 2 bedroom apartment (the rent is $400/month).


Henry has been a Desert Storm soldier and also a firefighter in his home town in Southern California ; he has taken early retirement (after 15 years of service) and has made some wise investment.

They like to live on the beach and after carefull and thorough review of what was available in South America, they have chosen Bahia as their retirement home.

But Henry does not stay inactive…he is a very busy man :

–       he volunteers with the local firefighters

–       he teaches aerobic and fitness classes every morning to the local firefighters, life guards and everyone who likes to work out early in the morning on the beach at 7 :30 a.m.


–       he even feeds them when they are on duty with some American dishes that he loves to prepare on his terrace.

To retire at 40, you obviously need to have a plan !

Not everyone wants to stop working at age 40 and just enjoy the life on the beach; a lot of our delegates have asked me the same question over and over :

« How can I make an income in Ecuador ? » or

« If I could just make a couple of thousand dollars a month, I would just stay here and not return… »

After roaming the country extensively for the last 3 years, I kept seeing business opportunities everywhere but could not understand why nobody was actually doing anything…It took me a while to understand that we as westerners (north American or European) really have a different mindset than people in Ecuador.  Their education and upbringing and history does not make them instant entrepreneurs and there are not many business management schools here either. Parents teach their kids to do well in school, learn English and find a job in the tourism industry or with big local companies that export stuff.

For those who are looking to make extra income, invest for their retirement, or just want to invest in « REAL » stuff like land for example to fight inflation for example, we are offering the first of several business expeditions: the Manabi Agri-Business Expedition.

This 5 day (total of 7 days needed) expedition in the province of Manabi (where Manta, and Bahia are located) will offer :

–       Visits of different kinds of available land for agriculture use

–       The help of a local agriculture engineer who will at the end of each day analyze with the group what kind of crop, all costs involved, risks, investment needed and where and how to market the production. We will emphasize new and innovative ways to use the land like :

–       bio-fuel crops (there is a company that buys and processes all the crops that have high oil content that are available and that company is located in the province) ;

–       exotic hardwoods

We will be able to visit with the clients.

We will provide the consultants for helping you in all aspects of business from incorporation to hiring employees and doing administration work and accounting for ex.

Hope you will join us on this first Agri Business Expedition in the delightful province of Manabi.

Jean Marie

My hat goes off to Henry especially the way he is giving back to society with his volunteer work there!

This must be satisfying for him and is certainly is an excellent way to improve one’s lifestyle in Ecuador.

It has always puzzled me why people would leave one culture and then try and recreate what they just left.

I first noticed this 40 years ago when living in Hong Kong.  So many expats barricaded themselves into closed expat communities and spent a lot of extra time and money, forcing many restrictions on themselves trying to live just as they had back home.

Merri and I have noticed this in Ecuador and often ask, why have a huge fridge when there is a market with fresh food just down the street?  Why pay extra for a washing machine when a maid will do it with love and care… become a member of your family and help and care for you in so many ways?  Why move to a country where the constitution treats all equally and then ask to be treated specially?  Why move to a country for the low taxes and then complain because there are no social services?

I have seen some expats burn bridges with influential locals, who could have helped them a lot, just by behaving like gringos and treating their new neighbors badly and arrogantly.

We must never forget who are the hosts and the guests in a country and behave accordingly.  Ecuador has welcomed us with open arms and we should appreciate life here.

Henry’s volunteer works shows a good example.  The local chief of the firefighters invited him to a charitable event in Guayaquil to raise funds for the firefighters along the coast.  Henry does not belong officially to the squad but he was one of three people invited from the fire department to go to this prestigous event. He has given a lot to them and is now considered part of the group. Everyone knows now that he is part of the family.

Jean Marie’s wife, Pascale, is another good example. She gives free aerobic lessons at the tennis club for women. This is a way to integrate into the local society. This is especially important in a small city because when everyone knows you, everyone looks out for his neighbor.

Security is a growing issue all over the world now.  The fast pace of change is creating a growing divide between the rich and the poor. This disparity will cause crime to expand.  Good people must help one another everywhere.  When someone divides people into classes… locals versus expats, it is counter productive and this also causes one to miss the richness and expanded horizons one gains by integrating multi cultures.

One of the best things about Ecuador is that its constitution recognizes that everyone is equal under the law… even plants and Mother Nature were added in the revised constitution. This is a wonderful social contract and when embraced can make you Ecuador Living… or wherever living better and more enjoyed.

We are excited about Jean Marie’s Agri Expedition and know that becoming involved in these ways gives back also.


Mid Coast tour June 16-17-18 or August 21-22-23.

Cuenca Real Estate tour July 4-5-6 or September 16-17-18.

Round up your trip with a personalized real estate tour.

Get Your FREE Bahia Report here.

Learn about Ecuador in North Carolina.


The Strategic Reserve

The Strategic Reserve has stopped many a military storm though the annals of time. Global economic reserves should stop financial storms as well.  What happens though when the reserves have not been set aside or have all been used?


Most of us… around the world have good reason to honor the fallen.  Bullet extracted from my father at Iwo Jima.

Memorial Day week seemed like a good time to reread Winston Churchill’s “Their Finest Hour”.

We have enjoyed such an incredible era of material richness over the last 60 years and should remember and honor what so many from so many countries have sacrificed and are sacrificing to create this prosperous era we enjoy.

Churchill said it succinctly: “Never in the history of mankind have so many owed so much to so few“.

One reason for reading this history of WWII is to gain clues and insights by seeing errors Western governments made after WWI in their quest to avoid WWII.  War was so unpopular that leaders became followers and kept using ineffective shortstops to mask long term problems.  Since WWII economic setbacks have been so unpopular that similar ineffective strategies have led the global economy to another precipice.

We can see the problem reflected by reading what Churchill wrote in “Their Finest Hour” about how he felt after receiving a call from the French generals that they had been defeated.  He flew to Paris.  He writes:  The Commander-in Chief briefly explained what had happened. North and south of Sedan on a front of fifty or sixty miles, the Germans had broken through. The French army in front of them was destroyed and scattered. A heavy onrush of armoured vehicles was advancing with unheard-of speed.  The General talked perhaps five minutes without anyone saying a word. When he stopped there was a considerable silence. I then asked: “Where is the strategic reserve?” General Gamelin turned to me and with a shake of his head and a shrug said: “Aucine.”

Churchill continued, “I was dumbfounded. It had never occurred to me that any commander having to defend five hundred miles of engaged front would have left themselves unprovided with a mass of manouver.”


My Grandfather (middle Front)


One of five ships he was on that was torpedoed by German and Japanese submarines.

Have modern leaders left the current economy unprovided with a mass of economic maneuver?

One must take extra financial caution at this time because in this latest recession, governments everywhere may have pulled out their last plugs… and depleted the reserves.

This could lead to a sudden and dramatic economic fall.

We have been warned… and some honest leaders are warning us now. A May 20, 2011 BBC article “Hard to explain how bad the economic crisis is, says Cable shows how this trend is building. Here is an excerpt.   Business Secretary Vince Cable says it has been a challenge for the government to explain to the public how bad a state the economy is in.

He told the Guardian the country was poorer because of the banking collapse and recession – and from a “squeeze” from the changing world economy. “We have had a very, very profound crisis which is going to take a long time to dig out of,” he warned.

“We are actually a poorer country, mainly because of the banking crash, the recession that followed it and partly due to the squeeze we are now under from the changing balance of the world economy.”

He added: “Britain is no longer one of the world’s price setters. We take our prices from international commodity markets driven by China and India.

“That is something we have got to live with and adjust to. It is painful. It is a challenge to us in government to explain it. The political class as a whole is not preparing the public for how massive the problem is.”

“We had the complete collapse of a model based on consumer spending, a housing bubble, an overweight banking system – three banks, each of them with a balance sheet larger than the British economy.”

“It was a disaster waiting to happen and it did happen. It has done profound damage and it is damage that is going to last a long time.”

There are other troubling signs elsewhere.

Late last week Moody’s downgraded six Danish banks saying that the Danish banking sector is not backed by the government to the same extent as other European banks.  Yet is this not the problem… everyone wanting the government to guarantee all things economic… just like the public wanted governments to guarantee all things related to peace after WWI?

We cannot yet begin to imagine the impact of recent natural disasters. Japan announced their first monthly trade deficit in 31 years.   This deficit of $5.7 billion was created by a large drop in exports in the aftermath of the March 11 earthquake and a surge in commodity prices pushing up the import costs.

Even the boomers… those who may have benefited most from this time of great material wealth are concerned.

Excerpts from a  May 24, 2011 USA Today article by by Christine Dugas entitled  “Baby Boomers fear outliving retirement savings” says: Baby Boomers face so much uncertainty that nearly half of them fear that their retirement will result in poverty, according to a new study by California-based investment advisers Financial Engines.

Because of the stock market crash, real estate downturn and recession, many Boomers are now terrified that they will outlive their retirement savings. One woman, age 60, who was interviewed by Financial Engines said that she “might be forced to become a bag lady.”

Among Boomers, 45% are at risk of running short in retirement, according to the 2010 Retirement Readiness Ratings by the Employee Benefit Research Institute.

And one in four older workers have exhausted all savings during the recession, according to a new survey by AARP Public Policy Institute.

A growing number of older Americans are piling on debt and filing for bankruptcy.

While working longer may be the best way to boost savings, health issues and job loss can interfere.

Will our government find a solution?

No one… no economist… no banker or investment manager…  no bureaucrat or politician can guarantee the future.  We should not rely on the government to look after us.

However we should not despair.  We can (and should) look after ourselves and each other through service. Economic history since before WWI suggests that we’ll see a crash in 2011 and perhaps 2012, but then will come the light at the end of the tunnel.

This is a really important historical fact to consider.  Our challenge at this time is not to rearrange our lives for doom and gloom but to preserve our reserves so that we are ready to launch into the next even brighter future.

New ideas… new technology and a new social pact will create yet another boom we can enjoy.

What will the technology be? What countries will lead the way? I do not know… not does anyone else.

That is why since the release of my first book “Passport to International Profit” in the 1970s I have preached and practiced being a One Man Multinational.

The core message in “Passport to International Profit” was to become a one man multinational with a six point command posture which is to:

Live in one country
Bank in a second country
Invest in many countries
Earn in two or more countries
Use a company incorporated in a fifth country
Take a second residence

Let’s take this one step further. To have a fulfilling six point lifestyle posture:

Live in one country you love.
Bank in a second country that is safe and that you really enjoy.
Invest in many countries you would like to explore or feel good about.
Earn in two or more countries you would like to explore or feel good about.
Use a company incorporated in a fifth country that best fits your circumstances.
Take a second residence in a place where you love and want to be at times.

More than 40 years after we left the USA,  Merri and I still believe that being global is vital from an investing and business point of view and enlivening for one’s lifestyle.

Enjoy today’s holiday.  We are living in the most prosperous time known to mankind through the valiant efforts of those who have sacrificed so much.  It is with great gratitude that we look forward to sharing the future with you.


Investing Beyond the Boom

Warren Buffet once warned against the Cinderella effect.

He said “Don’t be fooled by that Cinderella feeling you get from great returns.  Nothing sedates rationality like large doses of effortless money.  After a heady experience of that kind, normally sensible people drift into behavior akin to that of Cinderella at the ball.  They know the party must end but nevertheless hate to miss a single minute of what is one helluva party.  Therefore, the giddy participants all plan to leave just seconds before midnight. There’s a problem, though: They are dancing in a room in which the clocks have no hands.”

Cinderella may have lost a shoe when she fled the party to meet a midnight curfew.  We can lose much more when we rush from a crashing stock market.

Most investors face emotional dangers that build in rising markets.

Almost everyone feels good.

But the clock of economic reckoning is ticking.

No wants to see it.  Nothing rises forever and especially… not everything at the same time.

Yet no one wants to leave the party until the end.

But many edge closer to the door.

When the clock chimes there could be a stampede even though leaving in a hurry may be the worst way to go.

Here are seven steps that can help avoid this risk.

  • Choose investments based on markets instead of shares.
  • Diversify based on value.
  • Rely on financial information rather than economic news.
  • Keep investing simple.
  • Keep investing costs low.
  • Trade as little as possible.
  • Make the decision process during panics automatic.

One strategy is to invest in country ETFs that easily provide diversified, risk-controlled investments in countries with stock markets of good value.  These ETFs provide an easy, simple and effective approach to zeroing in on value.  Little management and less guesswork is required.  The expense ratios for most ETFs are lower than those of the average mutual funds.  Plus a single country ETF provides diversification equal to investing in dozens, even hundreds of shares.

A minimum of knowledge, time, management or guesswork are required.

The importance of…



and inexpensive. 

Keeping investing simple is one of the most valuable, but least looked at, ways to avoid disaster.  Simple and easy investing saves time.  How much is your time worth?  Simple investing costs less and avoids fast decisions during stressful times in complex situations where we are most likely to get it wrong.

Fear, regret and greed are an investor’s chief problem.  Human nature causes  investors to sell winners too soon, and hold losers too long.

Easy to use, low cost, mathematically based habits and routines help protect against negative emotions and impulse investing.

Take control of your investing.  Make decisions based on data and discipline, not gut feelings.  The Purposeful investing Course (Pi) teaches math based, low cost ways to diversify in good value markets and in ETFs  that cover these markets.  This course is based on my 50 years of investing experience combined with wisdom gained from some of the world’s best investment managers and economic mathematical scientists.

Enjoy Repeated Wealth With Pi

Pi’s mission is to make it easy for anyone to have a strategy and tactics that continually maintain safety and turn market turmoil into extra profit.

One secret is to invest with a purpose beyond the immediate returns.  This helps create faith in a strategy that adds stickiness to the plan.

Another tactic is to invest with enough staying power so you’re never caught short.

Never have to sell depressed assets during periods of loss.

Lessons from Pi are based on the creation and management of Model Portfolios, called Pifolios.

The success of Pifolios is based on ignoring economic news (often created by someone with vested interests) and using financial math that reveals deeper economic truths.

One Pifolio covers all the good value developed markets.  Another covers the emerging good value markets.

The Pifolio analysis begins with a continual research of 46 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

This is a complete and continual study of almost all the developed major and emerging stock markets.

This mathematical 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.

Learn how to invest like a pro from the inside out.

At the beginning of 2019 my personal Pifolio is based on select ETFs in the Keppler Developed and Emerging markets.  My Pifolio is invested in Country ETFs that cover seven developed and three emerging markets:

Hong Kong
United Kingdom
South Korea

Don’t give up profit to gain ease and safety!

Regardless of economic news, these markets represent good value and have been chosen based on four pillars of valuation.

  • Absolute Valuation
  • Relative Valuation
  • Current versus Historic Valuation
  • Current Relative versus Relative Historic Valuation

When you subscribe to Pi, you immediately receive a 120 page basic training course that teaches the Pi Strategy.   You learn all the Pi strategies, what they are, how to use them and what each can do for you, your lifestyle and investing.

You also begin receiving regular emailed Pifiolio updates and online access to all the Pifolio updates of the last two years.  Each update examines the current activity in a Pifolio, how it is changing, why and how the changes might help your investing or not.

Included in the basic training is an additional 120 page PDF value analysis of 46 stock markets (23 developed markets and 23 emerging stock markets).  This analysis looks at the price to book, price to earnings, average yield and much more.

You also receive two special reports.

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!

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

This is the most exciting opportunity I have seen since we started sending our reports on international investing ideas more than three decades ago.  The trends are so clear that I 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 in this special offer, you receive the report, “Three Currency Patterns for 50% Profits or More” FREE when you subscribe to Pi.

Plus get the $39.95 report “The Silver Dip” free.

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

In September 2015, I prepared a special report “Silver Dip 2015” about a silver speculation, leveraged with a British pound loan, that could increase the returns in a safe portfolio by as much as eight times.  The tactics described in that report generated 62.48% profit in just nine months.

I have updated this report and added how to use the Silver Dip Strategy with platinum.   The “Silver Dip” report shares the latest in a series of long term lessons gained through 40 years of speculating and investing in precious metals.  I released the 2015 report, when the gold silver ratio slipped to 80.  The ratio has corrected and that profit has been taken and now a new precious metals dip has emerged.

I have prepared a new special report “Silver Dip” about a leveraged speculation that can increase the returns in a safe portfolio by as much as eight times.

You also learn from the Value Investing Seminar, our premier course, that we have been conducting for over 30 years.  Tens of thousands of delegates have paid up to $999 to attend.  Now you can join the seminar online FREE in this special offer.

This three day course is available in sessions that are 10 to 20 minutes long for easy, convenient learning.   You can listen to each session any time and as often as you desire.

The sooner you hear what I have to say about current markets, the better you’ll be able to cash in on perhaps the best investing opportunity since 1982.


Tens of thousands have paid up to $999 to attend.

This year I celebrated my 52nd anniversary of writing about global investing.  Our reports and seminars have helped readers have better lives, with less stress yet make fortunes during up and down markets for decades.  This information is invaluable to investors large and small because even small amounts can easily be invested in the good value shares we cover in our seminar.

Stock and currency markets are cyclical.  These cycles create extra profit for value investors who invest when everyone else has the markets wrong.  One special seminar session looks at how to spot value from cycles.  Stocks rise from the cycle of war, productivity and demographics.  Cycles create recurring profits.  Economies and stock markets cycle up and down around every 15 to 20 years as shown in this graph.


The effect of war cycles on the US Stock Market since 1906.

Bull and bear cycles are based on cycles of human interaction, war, technology and productivity.  Economic downturns can create war.

The chart above shows the war – stock market cycle.  Military struggles (like the Civil War, WWI, WWII and the Cold War: WW III) super charge inventiveness that creates new forms of productivity…the steam engine, the internal combustion engine,  production line processes, jet engines, TV, farming techniques, plastics, telephone, computer and lastly during the Cold War, the internet.  The military technology shifts to domestic use.  A boom is created that leads to excess.  Excess leads to correction. Correction creates an economic downturn and again to war.

Details in the online seminar include:

* How to easily buy global currencies, shares and bonds.

* Trading down and the benefits of investing in real estate in Small Town USA.  We will share why this breakout value is special and why we have been recommending good value real estate in this area since 2009.

* What’s up with gold and silver?  One session looks at my current position on gold and silver and asset protection.  We review the state of the precious metal markets and potential problems ahead for US dollars.  Learn how low interest rates eliminate  opportunity costs of diversification in precious metals and foreign currencies.

* How to improve safety and increase profit with leverage and staying power.  The seminar reveals Warren Buffett’s value investing strategy from research published at Yale University’s website.  This research shows that the stocks Buffet 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). His big, extra profits come from leverage and staying power.  At times Buffet’s portfolio, as all value portfolios, has fallen, but he has been willing and able to wait long periods for the value to reveal itself and prices to recover.

Use time not timing.

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.

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 out performance 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%.

Learn how much leverage to use.  Leverage is like medicine, the key is dose.  The best ratio is normally 1.6 to 1.  We’ll sum up the strategy; how to leverage cheap, safe, quality stocks and for what period of time based on the times and each individual’s circumstances.

Learn to plan in a way so you never run out of money.  The seminar also has a session on the importance of having and sticking to a plan.  See how success is dependent on conviction, wherewithal, and skill to operate with leverage and significant risk.  Learn a three point strategy based on my 50 years of investing experience combined with wisdom gained from some of the world’s best investment managers and economic mathematical scientists.

The online seminar also reveals  the results of a $80,000 share purchase cost test that found the least expensive way to invest in good value.  The keys to this portfolio are good value, low cost, minimal fuss and bother.  Plus a great savings of time.  Trading is minimal, usually not more than one or two shares are bought or sold in a year.  I wanted to find the very least expensive way to create and hold this portfolio so I performed this test.

I have good news about the cost of the seminar as well.   For almost three decades the seminar fee has been $799 for one or $999 for a couple. Tens of thousands paid this price, but online the seminar is $297.

In this special offer, you can get this online seminar FREE when you subscribe to our Personal investing Course.

Save $468.90 If You Act Now

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 FREE the $29.95 report “Three Currency Patterns for 50% Profits or More”, the $39.95 report “Silver Dip” and our latest $297 online seminar for a total savings of $468.90.


Triple Guarantee

Enroll in Pi.  Get the basic training, the 46 market value report, access to all the updates of the past two years, the two reports and the Value Investing Seminar 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, easy diversified 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:  You can keep the two reports and Value Investing Seminar as my thanks for trying.

You have nothing to lose except the fear.   You gain the ultimate form of financial security as you reduce risk and increase profit potential.

Subscribe to Pi now, get the 130 page basic training, the 120 page 46 market value analysis, access to over 100 previous Pifolio updates, the “Silver Dip” and “Three Currency Patterns For 50% Profits or More” reports, and value investment seminar, plus begin receiving regular Pifolio updates throughout the year.

Subscribe to a Pi annual subscription for $197 and receive all the above.

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







Wisdom of the Masses Q&A

There is wisdom in the masses if…


A mass of Sandhill Cranes from a National Geographic photo.

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

Questions this week:

#1: About Ecuador Hotels.

#2: The importance of Spanish

#3:  Investing in Iraqi Dinars

#4: Emerging Bond Investments and Ecuador Relocation

#5:  Ecuador Scams

#6: Ecuador Real Estate Flipping

#7: Ecuador Bank Safety

#8: US Real Estate Safety


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

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


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

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

The repetition of a untruth does not make it truth!

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

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

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

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

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

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

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

The first tactic is to use Baroque music in the learning process. At least three best selling books, “Superlearning”, the “Mozart Effect” and “Superlearning 2000” have revealed insights about how to learn and think more powerfully based on systems drawn from the Bulgarian educational master, Dr. Georgi Lozanov.  Merri, over 35 years ago, was among just a few who learned and was licensed directly.  She has practiced and worked with this system all these years.

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

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

Let me prove to you how this third tactic works by teaching you hundreds of Spanish words in less than 30 seconds.

Here is the proof.

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

There you have it.  How long did it take you to read the sentence? You now know hundreds of Spanish words that you will never forget.  We practice this and help to enliven the brain so that more and more correlations come forth from within to use in communication.

See examples of the words you know below.

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

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

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

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

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

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

Thank you for your time and consideration.

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

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

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

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

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

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

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

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

Right now my feeling that the masses are crazy.


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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Reader Comments: What about real estate scams in Ecuador?

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

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


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

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

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

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

Ecuador prices have really been rising in recent times.

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

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

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

There is no easy way to always get rich.


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

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

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

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

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

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

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

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

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

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

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

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

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

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

•Loan cost      $   9,000

•Return           $   9,930

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

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


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

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

Real estate has more downside and could be much more.

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

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

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

That’s my 2 cents.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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


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The Huge 2020 Risk

Here is a huge risk that could explode in 2020.

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

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

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

Rising interest rates create a massive problem for every American.

treasury direct

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

treasury direct


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

The $7 Trillion Error.

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

How could the CBO be so wrong? 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

What can we do?

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

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

#1:  Global micro business income.

#2:  Low cost, natural health.

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

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

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

Join us for all of 2020 NOW.

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

We start with better lower cost health care.

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

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

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

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

I have created three natural health reports are about:

#1: Nutrition

#2: Purification

#3: Exercise

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

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

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

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

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

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

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

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

There are seven layers of tactics in the Pi strategy.

Pi Tactic #1: Determine purpose and good value.

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

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

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

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

Pi Tactic  #6: Add spice speculating with leverage.

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

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

#1:  Current book to price

#2:  Cash flow to price

#3:  Earnings to price

#4:  Average dividend yield

#5:  Return on equity

#6:  Cash flow return

#7:  Market history

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

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

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

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

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

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

Profit from the US dollar’s fall.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Save when you become a club member.

Join the International Club and receive:

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

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

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

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

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

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

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

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

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




Surviving in a Predatory World

Here are some tips for surviving in a predatory world.


Predator at Chachimbiro Spa.

This is a great place by the way… tucked in the Andes above Cotacachi.  There is a wonderful restaurant and…


naturally hot mineralized thermal waters for healing as well as play.


We’ll see more about Chachimbiro in another message.

Here let’s look at a problem because…there are predators everywhere… high and low… who will try… and to take your money.

In response to the recent message at this site warning about Ecuador politics, a reader recently wrote:

“Gary, remember that many will sell their home and use the cash which is their main asset to buy a place in a foreign country, thinking that it is a safe investment.  Their home and their social security check is most of what they have.”

How unfortunately true this fact is and the sad thing is events are rising that could destroy the value and… the purchasing power of both the… US home and Social Security.

This is one more reason to look at Ecuador as a place to retire.   Ecuador like every country has its fair share of problems, but we have to ask what is the alternative. Staying in the US?

A social contract in America has been broken.  The American way was “work hard you can earn a a lot of money.  If you do not spend all that and save and invest it instead you can build capital which will then work hard for you”.

There were those who saved and those who spent.

Unfortunately every time those who spent, spent too much and ran into trouble, the government has spent money to help them out… and have created so much debt in the process that the capital that the money of those who have saved built is going to hardly work… instead of working hard.

Matters are about to get worse.  An excerpt from a USA Today article entitled “Aid plan could lower payments on more underwater mortgages” helps us understand why.  The article says:  After months of criticism that it hasn’t done enough to prevent foreclosures, the Obama administration is announcing a plan to reduce the amount some troubled borrowers owe on their home loans.  The effort will let people who owe more on their mortgages than their properties are worth get new loans backed by the Federal Housing Administration, a government agency that insures home loans against default.  That would be funded by $14 billion from the administration’s existing $75 billion foreclosure-prevention program. In addition, the homeowner’s existing mortgage company will get incentives to lower the principal balances on underwater loans.

The plan, announced Friday, would also enable the borrowers’ existing mortgage companies to receive incentives to lower their principal balances.

That would be “enough to provide help to those for whom help is worthwhile … and to provide some kind of stability in the market.”

To help borrowers who have been hurt by falling home prices, the government also will require mortgage servicers to consider cutting a loan’s principal if it is up to 15% more than the home is worth, officials said.

The federal program, known as the Home Affordable Modification Program (HAMP), is aimed at helping up to 4 million Americans avoid foreclosure. So far, about 170,000 homeowners have been granted permanent modifications with lower monthly payments through the plan.

First, this added government spending may not help the housing industry.

House prices need to fall until an equilibrium is reached.   Time and again it has been proven that centralized planning is not as healthy as market forces in stabilizing markets.  House prices may look like they are maintained but the added government spending will add to pushing the dollar down.  So a hundred thousand dollar house will remain a hundred thousand dollar house… but a hundred thousand dollars then will buy much less.

Plus the added government spending on savings homes for those who paid more than they could afford will also likely mean… higher property tax… and less local services… poorer police… education… social services etc… so the house will be a less attractive to have and more expensive to maintain.

Plus these US economic problems are causing political instability and adding to social strife.

Excerpts from another article in yesterday’s New York Times entitled “Poll Finds Tea Party Anger Rooted in Issues of Class”
By Kate Zernike and Megan Thee-Brenan says:  Tea party supporters are wealthier and more well-educated than the general public, tend to be Republican, white, male, and married, and their strong opposition to the Obama administration is more rooted in political ideology than anxiety about their personal economic situation, according to the latest New York Times/CBS News poll.

The 18 percent of Americans who identify themselves as Tea Party supporters look like Republicans in many ways, but they hold more conservative views on a range of issues and tend to be older than Republicans generally. They are also more likely than Republicans as a whole to describe themselves as “very conservative” and President Obama as “very liberal.”

And while most Republicans say they are “dissatisfied” with Washington, Tea Party supporters are more likely to classify themselves as “angry.”

Most send their children to public schools, do not think Sarah Palin is qualified to be president, and, despite their push for smaller government, think that Social Security and Medicare are worth the cost.

Their fierce animosity toward Washington, and the president in particular, is rooted in deep pessimism about the direction of the country and the conviction that the policies of the Obama administration are disproportionately directed at helping the poor rather than the middle class or the rich.

The overwhelming majority of Tea Party supporters say Mr. Obama does not share the values most Americans live by, and that he does not understand the problems of people like themselves. More than half say the policies of the administration favor the poor, and 25 percent, compared with 11 percent of the general public, think that the administration favors blacks over whites.

Asked what they are angry about, Tea Party supporters offered three main concerns: the recent health care overhaul, government spending, and a feeling that their opinions are not represented in Washington.

The Tea Party supporters are more likely than the general public to say their personal financial situation is good or very good. But like the general public, 55 percent are concerned that someone in their household will be out of a job in the next year. And more than two-thirds say the recession has been difficult or caused hardship and major life changes. Like most Americans, they think the most pressing problem facing the country today are the economy and jobs.

In short the government spending is hurting and angering the middle class…  the spinal column of American wealth.

Older middle class people should be angry because as the reader stated above “Their home and their social security check is most of what they have.”

As government deficits and debt fuel inflation those who will be hurt most are middle class who have just a home and social security. Costs will rise and the purchasing power of their social security will fall.

There are just a few things we can do.

#1: Learn ways to earn additional income with our own small business.

#2: Invest better.

#3: Move to a place where the cost of living is lower and Social Security will still have an impact.

Our websites are focused on sharing ideas to help readers achieve these goals.

See one way to figure out how to live better in a predatory world here.

Cotacachi fractals


Join us in North Carolina this June 24 to 27 to learn more about Quantum Wealth. June 24-27 Quantum Wealth and International Investing and Business North Carolina

Our North Carolina courses in 2010 will be conducted in the new…

ecuador-wine and cheese

West Jefferson Hampton Inn.

ecuador-wine and cheese

Just opening this June 2009 with very nice rooms and…

ecuador-wine and cheese

really great…

ecuador-wine and cheese


ecuador-wine and cheese

During this course we’ll enjoy an organic  wine tasting at the New River Winery. Here are delegates at a previous wine tasting.


We’ll also have an informal afternoon tea at our summer home in the mountains. Here are delegates at our house with Lucy our Appaloosa.


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


Merri, Shaman apprentice Don Alphonso with Jean Marie Butterlin who will conduct our May Super Thinking + Spanish and Shamanic courses.

May  13-14    Ecuador Shamanic Minga


You can also enjoy a May or June real estate course and save on multiple tours.

May  16-17    Imbabura Real Estate Tour

May  19-20    Coastal Real Estate Tour

May  22-23    Quito Real Estate Tour

May  25-26    Cuenca Real Estate Tour

June 30-Jul 1 Imbabura Real Estate Tour

July 3-4      Coastal Real Estate Tour
July 6-7      Quito Real Estate Tour
July 9-10     Cuenca Real Estate Tour

Mother’s Day roses in Ecuador.


Read Aid plan could lower payments on more underwater mortgages


Poll Finds Tea Party Anger Rooted in Issues of Class

Three Ecuador Longevity Tips

Here are three Ecuador longevity tips.

Ecuador is famous for the longevity of its residents. Here are three reasons why.


Sunrise to…    (Sunrise at Inn Land of the Sun – formerly Meson de las Flores)


sunset… Ecuador has a consistency of weather… light and dark.   Sunset at East Lake Groves.

The evenness of sunrise and sunset helps longevity. The sun in Ecuador rises every day at 6am and sets every day at 6pm… 365 days a year.  Temperature is moderate also and the body likes this regularity. Energy that would have to be expended adapting to changing weather and temperature is saved for other life needs… healing… growing…. resisting disease.

Fresher, more natural food and more walking also helps.

Here is a this less known but perhaps more important longevity thought that arose because Merri and I  live part of the year in the middle of an orange grove.

Oranges can teach us many lessons when time is taken to observe… and reflect.

One such lesson came from the spring aromas while sitting each morning on our lanai… writing, immersed in this delicate fragrance that is orange blossom.


Ma in an orange grove by our house.

While soaking in this heady scent it was noted that citrus trees have learned to keep their ripe fruit on the vine while producing new blooms”.


The old & the new together in an orange tree.

This is a wonderful lesson that also happens to be related to longevity in Ecuador.  An Ecuador shaman once told me that one problem in the Western world is that we do not respect endings.  No one respects the old.

The Ecuadorian indigenous style (the indigenous make up well over half of Ecuador’s population) is to revere age. The older you grow… the more respect you get.

The Ecuador shamanic traditions believe that the youth do the work… but the elders provide the wisdom.

Though all Ecuadorian children are supposed to go to school…  in reality many start working at quite a young age.


The elders are usually provided with more spiritually oriented tasks… like this


Taita Yatchak who conducts our


Shamanic Minga on…


sacred Lake….



When we are respected… needed, active…. and fulfilled… we live longer.

This is good news for those who cannot retire…  because of the global economic crash.

Retirement can be fatal! An important part of longevity, for those who retire or not, for those who work in Ecuador or not,  is to remain independent, challenged, active and needed.

One of the most important features that was found in the valleys of Ecuador where people rarely retire but live long lives, is that old age was revered.  In Ecuador old age its not viewed as bad…  Maturity is highly respected.  People at the age of 100, even 110 are known to still be active and working!  There is not the same old age glass ceiling as in the West.

If you plan to work beyond retirement age, why not provide your services in a place where you efforts are more appreciated?

One does not have to move to Ecuador to work.  There are innumerable stories worldwide of how staying at work extends life.

One non retirement story that motivated me is of Max Zimmer of Los Angeles.  Max came to the US from Austria in 1911 with only a two dollar bill. At age 103 he still had the same two-dollar bill and had built and still ran a multimillion-dollar business.

One MD who specializes in anti aging points out that most centenarians seldom spend much time with doctors. When they finally get sick, they die quickly and with little expense. They depend on themselves to remain healthy not others.

“Kazuo Inamori, the new chairman of Japan Airlines (Japan is another longevity country that respects age) is a good example.

Inamori is now 78-years old, has founded two of Japan’s largest companies and recently became the head of JAL to turn it around as it neared bankruptcy.  He is showing no signs of slowing down!   He is a great example of steady success and shows how continuing to work rather than retire enhances longevity.


Inamori was born in  Japan and at age 27, he started Kyocera. His company is now a high-tech multinational maker of cellphones, office document equipment, solar power products and ceramic components that employs 66,000.  He founded KDDI in 1984, which is now Japan’s second-largest telecom network.

Yet he has not just followed the money.  He is an ordained Zen Buddhist monk. His priest name Dai-wa, means “great harmony.” 

We can adhere to longevity principles anywhere we live… eat better food… get enough exercise and remain engaged and productive in a fulfilling way. When you follow these principles in Ecuador you get extra bang for the effort from a society that respects age and a climate where there is direct sunshine 12 hours every day.



See details about 50 Long Stem Ecuador Roses for Mother’s Day here.

Our April Ecuador export course is fully booked but you can still learn about Ecuador real estate.  See how to own the view above with these sunsets.

Apr. 17-18   Imbabura Real Estate Tour ($499 or couple $749)

Apr. 20-21  Coastal Mid Coast Real Estate Tour ($499 or couple $749)
Apr. 23-24  Quito & Mindo Real Estate Tour ($499 or couple $749)

April 26-27 Cuenca Real Estate Tour

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

May  13-14    Ecuador Shamanic Minga

May  16-17    Imbabura Real Estate Tour

May  19-20    Coastal Real Estate Tour

May  22-23    Quito Real Estate Tour

May  25-26    Cuenca Real Estate Tour

You enjoy discounts by attending multiple seminars and tours.

Here are our multi tour adventure discounts.

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

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

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

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

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

Here is the balance of our 2010 schedule.

June 24-27 International Investing and Business North Carolina

June 28-29    Ecuador Travel & Andes

June 30-Jul 1 Imbabura Real Estate Tour

July 3-4      Coastal Real Estate Tour
July 6-7      Quito Real Estate Tour
July 9-10     Cuenca Real Estate Tour

International Business & Investing Expanded

There is expanded international business and opportunity because wage earners and retirees in most of the Western world are being set up. This can create great international business and investing opportunity for you.


In a moment see why this Ecuador property offers such good value.

Whether this “set up” is on purpose, or not, is a subject of lively contention… but the intention doesn’t really matter much.   The results… created innocently or intentionally will be the same.  Disaster for the middle class.  However opportunities in international business, investing and lifestyles mean that you do not have to share in the loss.

We can begin to understand this fact with three simple thoughts.

The first thought is that the US is currently experiencing deflation. You can see from this graph from the Bureau of Labor Statistics.


The December 2008 message Multi Currency Inflation at this site, asked the question… will there be inflation or deflation.

Now we know.

The second thought is that the deflationary forces are creating inflationary fundamentals like we have never seen before. The inflation stage is set. This is a formula that means disaster for most… but this does not have to apply to you.

One reader just wrote:  I’m thinking a ‘creative way’ to fix a problem and work through one’s passion will not handle the whole situation.  I hope I’m wrong and you have an even better idea. Medicine and doctors.  Savings stripped.  Destruction of people’s lives and stability.  All done with intention.

The dollar is  going down the toilet, and the best option I see the Fed and Government taking (for themselves, not for us) is to have a debit system.  The debit system would pay people, and would pay others from the people’s account.  People would no longer research to save taxes.  Their accounts would automatically be debited with whatever the government deems able to be taken.  The funds would filter through the Central Bank to be certain the funds are going only where the government it should go.

There is no more representative republic.  There is no more self determinism.  There are no more freedoms as you can be controlled through your debit card.  If government decides you are an ‘unworthy person’ they can easily take all of your nest egg.  If Congress can so thoroughly devastate us overnight one time, they can do it again.  I have a real hard time thinking about a creative way to generate income.  I trust not a congressman.  I certainly do not trust the current administration.  I don’t think they’re through with us.  Best Wishes to you Gary.

Many readers share thoughts like this. I know that so many of you are suffering. Yet I must say: economics will get worse. Fortunately they will then get better.

This leads us to the third thought… which is “the common person who will bear the brunt of the upcoming inflation.”

Yet you do not have to suffer.

A USA Today article “Wages could hit steepest plunge in 18 years
 by Dennis Cauchon and Paul Overberg” explains the problem. Here is an excerpt:  A bad economy and low inflation are starting to drag down wages for millions of everyday workers and freeze benefits for millions of retirees.
Average weekly wages have fallen 1.4% this year for private-sector workers through September, after adjusting for inflation, to $616.11, a USA TODAY analysis of Bureau of Labor Statistics data found. If that trend holds, it will mark the biggest annual decline in real wages since 1991.
“Wages are usually the last thing to deteriorate in a recession,” says economist Heidi Shierholz of the liberal Economic Policy Institute. “But it’s happening now, and wages are probably going to be held down for a long time.”

Yet falling income for wage earners and retirees is meeting huge potential inflation according to the October 16, 2009  New York Times article  “$1.4 Trillion Deficit Complicates Stimulus Plans” by Jackie Calmes.

Here is an excerpt: The Obama administration said Friday that the federal budget deficit for the fiscal year that just ended was $1.4 trillion, nearly a trillion dollars greater than the year before and the largest shortfall relative to the size of the economy since 1945.  The shortfall for the fiscal year 2009, which ended Sept. 30, translates to 10 percent of the economy.  Economists generally agree that annual deficits should not exceed 3 percent of the G.D.P., and that is the level President Obama had vowed to reach by the end of his first term in 2013.  At 10 percent of the gross domestic product, the 2009 deficit is the highest since the end of World War II, when it was 21.5 percent. At the same time, many Americans are demanding further help, confronting forecasts that job losses will not peak until mid-2010.  Representative John A. Boehner of Ohio, the Republican minority leader in the House, rejected that position. “It is irresponsible for Democrats to continue spending taxpayers’ money we don’t have to fund an agenda that would destroy the jobs we need to get our economy moving again,” Mr. Boehner said.

The problem looks even worse according to another October 16 2009 USA Today article entitled “Obama team makes it official: Budget deficit hits record. By a lot.” Excerpts say: The Obama administration has released new deficit numbers, and they are not pretty.  The deficit for Fiscal Year 2009, which ended Sept. 30, came in at a record $1.42 trillion, more than triple the record set just last year.  In addition, future deficits are currently projected to total $9.1 trillion in the coming decade.

Yet while the wage earner suffers… others are becoming rich according to an October 17, 2009 New York Tines article entitled
“Bailout Helps Fuel a New Era of Wall Street Wealth” by Graham Bowley.

Excerpts say:  Even as the economy continues to struggle, much of Wall Street is minting money, many Americans wonder how this can possibly be. How can some banks be prospering so soon after a financial collapse, even as legions of people worry about losing their jobs and their homes?
It may come as a surprise that one of the most powerful forces driving the resurgence on Wall Street is not the banks but Washington. Many of the steps that policy makers took last year to stabilize the financial system — reducing interest rates to near zero, bolstering big banks with taxpayer money, guaranteeing billions of dollars of financial institutions’ debts — helped set the stage for this new era of Wall Street wealth.  A year after the crisis struck, many of the industry’s behemoths — those institutions deemed too big to fail — are, in fact, getting bigger, not smaller.  Now, the industry has new tools at its disposal, courtesy of the government.  With interest rates so low, banks can borrow money cheaply and put those funds to work in lucrative ways, whether using the money to make loans to companies at higher rates, or to speculate in the markets. Fixed-income trading — an area that includes bonds and currencies — has been particularly profitable

Here is why you do not have to suffer and can profit like the big banks.

Messages at this site have repeatedly shown that four ways to beat inflation are to invest in equities, real estate, your own business and commodities.

Commodities are riskiest in the deflationary times.

Equities have skyrocketed this year… as have bonds treated like equities.

This is as an excerpt from a recent  update in our Multi Currency course shows that 61% of my liquid portfolio is in bonds!

Here is the excerpt:

As of October, my current liquid asset allocation is:


Jyske Invest  Turkey Equity Fund          TRY-EUR        1%

Jyske Invest  European Equity                EUR-                2%

Jyske Bank Share                                       DKK                 2%

Bank of Florida                                          US$                  1%

Total Equity Position                                               6%

Emerging Bonds

Jyske Invest Emerg Bonds Fund          EMCS              8%

EuroInvest Bank Bond                             TRY               4%
Brazil Government Bond                         BRL               8%
Hungary Government Bond                    HUF              6%

EMCS (emerging market currency spread)

Emerging Bonds Total                                         26%


Jyske Invest Danish Bond Fund                DKK            14%

Jyske Invest  European  Bond Fund          EUR           12%

Caisse D’Amort Dette Bond                        EUR             5%

Jyske Invest Swedish  Bond Fund              SEK             4%

Total Bonds                                                                 35%


US$                                                                                      15%

GBP                                                                                       8%

EUR                                                                                      7%

CAD                                                                                      2%

NZD                                                                                     2%

Total Cash                                                                 34%

Our multi currency subscribers have been able to  fight the dismal economy just like the big banks.

You can learn how to enroll in our multi currency course here.

US dollar denominated real estate also offers extra value now.  The dollar has fallen which reduces the price of real estate. This is why I am heavily invested in US and Ecuador property.

Take this acreage and farm house as an example.  This offers great value because it is an investment in real estate… a business and commodities (food)


Here is the farm house.  From the front porch there are…


views of the acreage.




animal pens…




storage area…


rental unit and…


small local canteen the owner operates.  This is a…


great value at $79,000 asking.

Ecuador Living subscribers have been sent a full report on this property.  Learn more about Ecuador Living here.

You can see the property (until it sells) above on our Imbabura real estate tours shown below.

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 all our seminars or tours for any one month, October, November or December, “Tangled Web… How to Have an Internet Business Course,”  “Self Fulfilled- How to be a Self Publisher” and “International Business Made EZ” free.

Inflation is coming and will hit wage earners and retirees hardest of all.  Yet you can succeed. We look forward to sharing ideas on how to succeed with real estate, multi currency bonds and equities and your own business.


Head south to Ecuador!

Here is the balance of our 2009 Ecuador real estate tour schedule…  plus Blaine Watson’s Beyond Logic and our last Ecuador Shaman Mingo of the year.

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

December 6-8 Blaine Watson’s  Beyond Logic & Shamanic Tour

December 9-10 Imbabura Real Estate Tour

December 11-13 Ecuador Coastal Real Estate Tour

Join us in 2010.   Attend more than one seminar and tour and save even more plus get the three emailed courses free.

Our multi seminar-tour discounts have grown!

See the 2010 winter schedule below.

2 seminar courses & tours

3 seminar courses & tours   $1199 $1,749

4 seminar courses & tours   $1,399 $2,149

5 seminar courses & tours  $1,599 $2,499

(Be sure to show in the comments section which courses and tours you are attending)

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


Jan.   8-11     Ecuador Export Tour ($499) Couple $749
Jan. 13-14     Imbabura Real Estate Tour
Jan. 16-17     Coastal Real Estate Tour
Jan. 19-20    Quito-Mindo Real Estate Tour
Jan. 22-23    Cuenca Real Estate Tour

Feb. 11-14   Quantum Wealth Florida -International Investing & Internet Business, Mt. Dora, Florida ($749) Couple $999
Feb. 15-16   Travel to Quito and Andes
Feb  17-18   Imbabura Real Estate Tour
Feb. 20-21  Coastal Real Estate Tour
Feb. 23-24  Quito-Mindo Real Estate Tour
Feb. 26-27  Cuenca Real Estate Tour

Mar. 11-14     Super Thinking + Spanish Course, Mt. Dora, Florida ($749) Couple $999
Mar. 15-16    Travel to Quito and Andes
Mar. 17-18     Imbabura Real Estate Tour
Mar. 19-20    Cotacachi Shamanic Tour
Mar. 22-23    Coastal Real Estate Tour
Mar. 25-26    Cuenca Real Estate Tour

We have been conducting Ecuador real estate tours for a decade longer than any others.   Our success has grown because we do not accept commissions on Ecuador estate shown on these tours.   Our goal is to help you know how to find the best deals on  Ecuador real estate.

The pictures below show some of the property we’ll view on the Ecuador real estate tours.

Delegates see two and three bedroom Andean condos like this.


with views like this…


In the $50,000 range.

Large square footage, fixer upper’s like this…


with large gardens and …


this view are offered at…


$30,000… asking.

We see luxury townhouses at $75,000


We view mansions…

ecuador real estate

inside and…

ecuador real estate



Gated communities are visited.


Coastal land, houses and condos on the beach… near the beach and with views are seen.


We see beach front penthouses with these views.


Ultimate luxury…


Ecuador beach properties are…



Plus rustic houses with…


perfect beach position are found.  I am told that a delegate purchased this house on our last tour.


Here it that rustic house, on the right of Merri and me walking the beach with a friend and our hound.


These brand new beach view condos are $89,000 (some of these units for sale are mine and are offered at $79,000 for Ecuador Living subscribers).


We see luxury condos but also rustic beach B&B opportunities like the one below at $60,000… asking.


We’ll even see commercial Ecuador real estate opportunity like this hotel… and


even this Ecuador golf course on a lake that is for sale with…

two restaurants.


with 144 seats and…


rental units on…


this lake.


We hope to serve you well with Ecuador real estate.


Read the entire articles:  Wages could hit steepest plunge in 18 years

$1.4 Trillion Deficit Complicates Stimulus Plans

Obama team makes it official: Budget deficit hits record. By a lot

Bailout Helps Fuel a New Era of Wall Street Wealth  by Graham Bowley

Better Than Retirement

Being paid to do what  you love is better than retirement.


This is not really work… for me… writing… surrounded by nature. I love it!

A recent message looked at how new jobs will be different and old job harder to find.

Excerpts from a recent New York Times article “A Reluctance to Retire Means Fewer Openings” by Catherine Rampell and Mattthew Saltmarsh confirm this fact.

The excerpt says:  To the long list of reasons American companies aren’t hiring — business losses, tight credit, consumer retrenchment — add the fact that many of their older workers are unable, or afraid, to retire.

In other parts of the developed world, people are retiring as planned, because of relatively flush state and corporate pensions that await them. But here in the United States, financial security in old age rests increasingly on private savings, which have taken a beating in the last year. Prospective retirees are clinging to their jobs despite some cherished life plans.

As a result, companies are not only reluctant to create new jobs, but have fewer job openings to fill from attrition.

A Pew Research survey scheduled for Thursday release found that nearly four in 10 workers over age 62 say they have delayed their retirement because of the recession.

Retirement income typically comes from a combination of three buckets: state pensions, corporate pensions and individual arrangements. In many other industrialized countries, that first bucket — state pensions — supports a large amount of retirees’ income.

The typical American receives just 45 percent of his preretirement wage through Social Security, according to the Organization of Economic Cooperation and Development. By contrast, a worker in Denmark, which has one of the most comprehensive and generous retirement arrangements in the world, can retire with a state pension that is 91 percent of his salary.

This is a huge problem and is good news because problems create opportunity.

This is the opportunity for all of us to finally do what we desire… with our own business.

The wonderful thing about this fact is that our own business statistically is also one of the best ways to enhance your wealth.

A study of millionaires several years by Thomas Stanley while researching his book The Millionaire Next Door showed that 32% of all millionaires became so as small business owners (compared to 16% Doctors, 15% lawyers and 12% major corporate executives).

Your own business (and knowing how to invest the profits) are keys to financial
independence in these troubled times.

Today increased freedom and job security are the most important reasons why
people have their own businesses. This makes enormous sense for anyone,
doctors, dentists, accountants, attorneys, investors as well as businessmen.
Every profession in the U.S. today is demanding and vulnerable to flawed
tort misuse and onerous government interference.

Anyone can gain increased independence and wealth with a full or part time business which generates increased income.

Having your own business gives enormous security.  Owners never get fired, made redundant, downsized, laid off, shifted sideways or forced to retire unless they decide to quit working. The owner of a business is always the last to go. Owning a business seems the ultimate job security.

An international business is the ultimate form of security and freedom because there is always opportunity somewhere.  International businesses are safer
from lawsuits, government red tape, excessive taxation and local economic
recessions.  Increasing wealth is one thing.  Keeping wealth is another and asset protection is a vital part of the process or remaining a independent and secure.

International businesses make more sense because modern technology,
computers, global cell phones, low cost transportation and the internet make
international business easier than ever before.

The tax benefits and asset protection benefits for international business
and international investments enhance freedom. Numerous areas of tax
legislation offer special tax savings for businesses abroad.

Holding assets outside one’s own jurisdiction also gives a business enormous
legal and practical asset protection.

International business is also the ultimate area of growth and security. We
have learned that the stock market is not a guaranteed way to secure one’s

Today it is possible for anyone to have at least a part time international
business. The secret is simply to start, but to start slowly and gain
experience with a part international business before making a major
commitment into a full time international business.

The most important key is to start an international business (ore make
international investment) in something you enjoy. Turn your passions to
profit. For example, if you love to golf, consider organizing golf tours
around the world. Or perhaps, you should market a calendar with 12 famous
overseas golf courses. The list of ideas could go on and on, but the point
is you will turn pleasurable activity (to do a golf tour or a calendar, you
obviously have to play those courses) into a tax deductible expense and
hopefully, makes some profit as well.

Here are three simple steps, you can use to prepare for your international business.

* Step #1: Become Informed. Read international magazines and papers.  Two good places to start learning what’s happening abroad are the Financial Times (England’s leading global economic newspaper) and The Economist, (England’s best weekly international news magazine).

* Step #2: Get ready. Contact international banks and learn the benefits of holding assets and how to do your banking abroad. An international bank with great experience in serving American businesses is Jyske Global Asset Management Bank.   We have worked with Jyske  for decades helping investors learnabout global economics and opportunity.

* Step #3: Get started in a small way. Too many people think that big is
better. Perhaps for some, but not when they start. It is imperative that one
makes their mistakes (and we all will) while we are small.

The old model of working to 65 and retiring on a pension is proving flawed. Many pensions have been destroyed and those still viable are being ruined by inflation.  This creates opportunity for  those wiling to embrace this change and learn that being paid to do what they love is better than retirement.


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 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.


See views like this on your way to West Jefferson form the October seminar.

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


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

Or head south to Ecuador!


Cotacachi’s main plaza.

October 16-18 Ecuador Southern coastal tour ONLY FOUR SPACES LEFT

Oct. 21-24 Ecuador Import Export Tour

Oct. 25-26 Imbabura Real Estate Tour


In Cotacachi and surrounds the weather is always spring like.

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


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


Winter is shorts weather on Ecuador’s coast.

Join us in the mountains and at the sea. Attend more than one seminar and tour and save even more plus get the three emails 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 article: A Reluctance to Retire Means Fewer Openings