Tag Archive | "Rome"

Ecuador Risk


Ecuador has risks.

As does everywhere.  In fact our world has more risk then ever before.

ecuador-risk

Are quiet Ecuador streets like this Cotacachi avenue at risk?

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The young Ecuadorian children who go to school early, alone don’t seem to feel much risk.  Yet?

Change creates risk and we live in an era of increasingly rapid change.

Those who welcome this fact are those who have the best chance of success. ahead.

This is the era of rapid change… the era of  extra risk.  The current time period within this era is of accelerated change and risk.

This is an important message about how to manage risk in Ecuador or anywhere.

ecuador-risk

Even young children play alone in the Cotacachi Ecuador streets without much risk

Yet we must always take care.

Take for example the US travel advisory for Ecuador… read  without perspective. Ecuador risk would seem high.

Here are excerpts from the US travel advisory for Ecuador:

SAFETY AND SECURITY: The U.S. Embassy in Quito advises caution when traveling to the northern border region of Ecuador, to include areas in the provinces of Sucumbios, Orellana and Carchi, northern Esmeraldas, and southern Esmeraldas, south of Atacames.  U.S. government personnel are under limitations with respect to traveling alone and over-nighting in these areas due to the spread of organized crime, drug trafficking, small arms trafficking, and incursions by various Colombian terrorist organizations.

CRIME:  Crime is a serious problem in Ecuador, and visitors should be alert and cautious.  Non-violent crime is common: hundreds of Americans are robbed every year in Ecuador.   Incidents of rape have increased, even in well-traveled tourists areas and when the victims traveled in groups for safety. Shootings, kidnappings, and carjackings are still relatively rare, but American citizens have been victimized by those crimes.  The Ecuadorian government has increased police patrols in tourist areas, but travelers should remain alert to their surroundings and maintain constant control of personal belongings.

Criminals sometimes use incapacitating drugs such as scopolamine on unsuspecting tourists in order to rob them.  These so-called date rape drugs are put into drinks in order to drug the unsuspecting victim.  This drug can render the victim disoriented and can cause prolonged unconsciousness and serious medical problems.  Never allow a stranger to “buy” you a drink and never leave your drink unattended.  Several American citizens have reported thefts of property following ingestion of such substances.

Does Ecuador sound risky?

Ecuador sounds risky until you read the travel advisory for Italy.  Here are excerpts from the US travel advisory for Italy:

Some travelers are victims of rape and beatings.  There are incidents of drinks laced with drugs being used by criminals to rob, and in some cases, assault tourists.  Many of these incidents occur in the vicinity of Rome’s Termini train station and at major tourist centers such as Campo de Fiori and Piazza Navona, as well as in Florence and Naples.  Criminals using this tactic “befriend” a traveler at a train station, bus stop, restaurant, café or bar in tourist areas, then eventually offer a drink laced with a sleeping drug.  When the tourist falls asleep, criminals steal the traveler’s valuables.  There are also instances where the victim is assaulted, either physically or sexually.

Petty crimes such as pick-pocketing, theft from parked cars, and purse snatching are serious problems, especially in large cities.  Clients of Internet cafes in major cities are also targeted.  Tourists who have tried to resist petty thieves on motor scooters have suffered broken arms and collarbones.

The U.S. Secret Service in Rome is assisting Italian Law Enforcement authorities in investigating an increase in the appearance of ATM skimming devices.

Organized criminal groups operate throughout Italy, but are more prevalent in the south.  They occasionally resort to violence to intimidate or to settle disputes.

Italy could seem risky as well until you read the travel advisory for Spain .  Here are excerpts from the US travel advisory for Spain.

SAFETY AND SECURITY:     Spain and Andorra share with the rest of the world an increased threat of international terrorist incidents.  Like other countries in the Schengen area, Spain’s open borders with its Western European neighbors allow the possibility of terrorist groups entering and exiting the country with anonymity.  Spain’s proximity to North Africa makes it vulnerable to attack from Al Qaeda terrorists in the Maghreb region.  Americans are reminded to remain vigilant with regard to their personal security and to exercise caution.

In the deadliest terrorist attack in recent European history, in March 2004, Islamist extremists bombed four commuter trains entering Madrid, causing 191 deaths and over 1,400 injuries.  Spanish authorities tried the suspected terrorists and their co-conspirators in February 2007 and convicted in October 2007.

The Basque Fatherland and Liberty (ETA) terrorist organization remains active in Spain.  ETA has historically avoided targeting foreigners, directing their attacks against the police, military, local politicians, and Spanish government targets as well as attempts to disrupt transportation and daily life. However, foreigners have been killed or injured collaterally in ETA attacks.  Two examples of this are the Barajas Airport bombing in December 2006, in which two Ecuadorian nationals were killed and the bombing at the University of Navarre in October 2008, in which 17 students were injured including one American student.  In addition, bombs have been used as part of criminal extortion of businesses, particularly in the Basque region. The risk of “being in the wrong place at the wrong time” in event of an ETA action is a concern for foreign visitors and tourists.  U.S. tourists traveling to Spain should remain vigilant, exercise caution, monitor local developments, and avoid demonstrations and other potentially violent situations.

Street crimes against tourists occur in the principal tourist areas.  Madrid and Barcelona, in particular, report incidents of pick-pocketing, mugging and occasional violent attacks, some of which require the victim to seek medical attention.  Although crimes occur at all times of day and night and to people of all ages, older tourists and Asian Americans seem to be particularly at risk.  Criminals frequent tourist areas and major attractions such as museums, monuments, restaurants, outdoor cafes, Internet cafes, hotel lobbies, beach resorts, city buses, subways, trains, train stations, airports, and ATMs.

Thieves often work in teams of two or more people.  In many cases, one person distracts a victim while the accomplices perform the robbery.   Spanish authorities warn of the availability of so-called “date-rape” drugs and other drugs, including “GBH” and liquid ecstasy.  Americans should not lower their personal security awareness because they are on vacation.

We could go on… in Europe…  in Asia… or anywhere.

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Parents in Cotacachi Ecuador do not feel much risk when they let their children play in the parks.

Mostly, places are not the cause of risk.  The causes of risk  are within,  our awareness, our actions, our  patterns and habits.

If one becomes aware of change and adapts accordingly… there is no risk.  There is opportunity instead.

Early adapters are called risk takers.   They are not.

Real risk takers are those who do not  adapt because…  we know…  there is change.

The real risk is living by OLD rules in a NEW world.

The real risk is believing in General Motors for example… because it is the biggest… oldest… so it must be safest.

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Young lovers in Ecuador can meet safely in out of the way places.

The world is new every day and each day, some old rule no longer works.

The old rules used to say that the Western world was safe… and the emerging world riskier.   The old rules said that the Western world had low crime…  the emerging world had high crime.

Yet look at excerpts of a recent New York Times article entitled “Prison Spending Outpaces All but Medicaid” by Solomon Moore (See a link to the entire article below) says:

One in every 31 adults, or 7.3 million Americans, is in prison, on parole or probation, at a cost to the states of $47 billion in 2008, according to a new study.

Criminal correction spending is outpacing budget growth in education, transportation and public assistance, based on state and federal data. Only Medicaid spending grew faster than state corrections spending, which quadrupled in the past two decades, according to the report Monday by the Pew Center on the States, the first breakdown of spending in confinement and supervision in the past seven years.

This suggests that the US has quite a lot of risk… both in crime and health.

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Ecuador people are by nature, caring, friendly and warm.

Sometimes I get letters like the one below from readers who have been victims of crime in Ecuador.  This reader lost her computer and camera when she forgot them in the business lounge at the Radisson hotel in Quito.

Dear Gary,  Can you believe, the Quito police, working with the Radisson hotel, found my  briefcase with the computer and other small items and had them sent by Federal Express to me.  I had provided them with the receipts of all the items stolen, for the items they were not able to send me  (camera and cellular phone) I was reimbursed via bank transfer. I still can’t believe it.  This was a good ending and so unexpected.  send you all love, and good thoughts. Laura

New rules about risk are being written every day and our daughter Francesca shared some thoughts on this when she recently visited us here.

Fran is quite a traveler.  Here early studies were in England… Gloucestershire and Birmingham.  Then she spent more for more than a year in Spain and Costa Rica, and moved to Naples and Delray, Florida which were bases for her to  manage real estate tours in Argentina, Belize, Chile, Ecuador and Uruguay.

She worked for several years doing human rights training in Geneva, Switzerland before returning to get her Masters degree at London School of Economics.

Then  she worked in London for the Crown Agents where she was assigned
as a project manager and consultant to governments in Nigeria,  Peru, Sierra Leone and South Africa.

She has worked the last several years  as a development planning, monitoring & evaluation consultant in Swaziland and is returning there now on a contract with the United Nations.

As a young, single woman (now married) she has had to be aware of risks traveling everywhere from Florida to London to Lagos.

ecuador-risk

Here I am with Francesca on her wedding day.

Fran & Sam rode to their reception in Richmond Park on a bicycle built for tow.

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Riding a bike through London traffic… now that is risky!

ecuador-water

Here are some common sense thoughts that Francesca shares about living with risk.

Living with Risk by Francesca Scott

We’re living in risky times; from the economic collapse, to swine flu, to erratic weather conditions.  It sometimes surprises me when people ask me if I’m not worried about living in Swaziland (my current home), because, they say, Africa is such a dangerous place.  I figure that when I return to London, my risk of being attacked in a terrorist attack skyrockets.  And I am still dumbfounded by the fact that children are screened for guns at schools in the United States.  By the way in England for the first time screening for knives has begun in some inner-city London schools.

The issue of risk came to mind recently, when I was visiting my Grandma. One evening over dinner, the discussion turned to the security situation in Swaziland, and I mused that in certain ways I feel safer in Swaziland than I do in parts of London. My Grandma commented that gangs were increasingly becoming a problem in Portland, her home city, and that she didn’t feel that safe these days.  The next day, as we stopped at the local bank, I was surprised by the thick wall of bullet proof glass completely separating the staff from the general public. They don’t have that in banks in London, or in Mbabane, Swaziland’s capital city.

I began thinking about how easily we adapt to different risks within our local environments. In many countries, one would be crazy not to have bars on lower windows. In central London, I hold my bag very close to my chest – I value my purse and cell phone too much. My mother-in-law, who lives in Australia, actually leaves her keys in her car when she stops at a store to pick up groceries (gasp!).  Sadly, I doubt that will last for much longer.   So does my Dad in NC.  They have a policy on the farm that all keys remain in all vehicles…just in case someone needs to jump in one!

Each country has a different risk profile, from pick-pockets, to pollution, to drug barons.  I am not saying that Swaziland does not have its dangers – my house has been broken into several times, and I drive much more defensively than I would in the US or the UK (mostly to avoid wayward cows that have drifted onto the road).  The important thing is to be fully informed about the risks.  This might sound obvious, but sometimes people are scared off by unfamiliar risks or misinformation.

It’s also worth remembering that there are often a variety of ways to mitigate those risks through effective prevention methods, so long as you know the rules. Most of us are guilty of exposing ourselves to unnecessary risk as a result of ignorance at one time or other, and are lucky that we’ve lived to tell the tell. I was threatened at knife point by a drug addict in a park in Spain, when I lived there as a student.  When I recounted my story to my Spanish roommate, she told me that I was a fool to be in that park in the first place, ‘…didn’t you know that it’s the favorite haunt for heroine addicts in the city?’  Well, no, obviously I didn’t know at that time, but it was a valuable lesson for me about the importance of knowing the rules.

I must admit to being a little scared before I went to Swaziland.  After all, it’s in one of the poorest parts of the world, and only three hours drive from Johannesburg, a gang-ridden, violent city. I also couldn’t shake off all those awful images of Africa I’ve seen on the evening news. I told myself that I would try it out for six months (I figured I could survive for that length of time in an underground bunker living off tinned corned beef and bottled water if it was that bad), and make a decision from there about whether or not it was for me. Two-and-a-half years later, I still thoroughly enjoy living here and am very glad that I resisted my initial anxieties.

For those considering buying property, or even moving to Ecuador, or any other country – developed, developing or downright poverty stricken for that matter – I would recommend to take the time to become fully informed about the types of risks you might face.  You can find out a lot from the internet and books, but it would be a shame to be scared off by some of what you read or by the well intentioned comments of a neighbor who hasn’t ever lived away from their home town.

Everyone comes from a different starting point, and everyone has a different risk threshold.

Also, the dramatic stories tend to be more interesting to tell.  While reading around can certainly offer you a variety of different and valuable viewpoints, it’s also important to talk to people who have lived in the country. Locals can be an invaluable source of information, while ex-pats may be more appreciative of the kinds of risks unanticipated by a foreigner, risks that may seem glaringly obvious to a local. Also, find out what you can do to mitigate those risks. Often you can reduce your exposure significantly using the appropriate precautions. If you think that the benefits outweigh those risks, then go down and check out the country for yourself.  That’s the only way you can really know if the level of risk is one that you could tolerate.

It might be that the risks are in some countries and in some places, in fact, just too high, pushing you beyond your comfort zone, or that the restrictions necessary to reduce your risks would make you feel stressed and claustrophobic. It’s no fun lying restless at night at night because you’re worried over a break-in, even though you have an alarm, or resent the lack of privacy from having a guard permanently outside your house. If you’re looking for the exact replica of your own community, with the same level of risk, and a Starbucks around the corner thank you very much, then somewhere like an emerging country really may not be for you. There will inevitably be new and different risks in poorer countries, some to which you, as a foreigner, could be at much higher risk than a local.

But take a moment to reflect on the risks that you face in your daily environment back home, and you might find that such risks are relative. While some risks will be new when you move abroad, you will also leave some behind. Therefore, before making any decision of moving to a country other than your own, I recommend making sure that you are informed by the reality on the ground, not some misconception fed by the media or well-intentioned homebodies. Only with that information can you gauge whether you’ll be comfortable with the type and level of risk you might face. For an adventurous soul, you may well find that the benefits of living in a new culture, the fun of exploring a foreign terrain, make everything worthwhile.

Risk assessment is a vital part of survival and success in today’s world.

This has always been true so always consider risk… but when you evaluate danger… don’t  just look at the places where you will be.   Review your thinking, your habits and patterns to see how you can turn risk into opportunity.

Gary

Join us here at our hotel Meson de las Flores.  Learn more turning risk into opportunity at our courses and tours.

ecuador-risk

June 12-14 Shamanic Mingo Tour

June 16-17 Imbabura Real Estate Tour

June 18-21 Ecuador Coastal Real Estate Tour

July 4-8  Ecuador Export Tour

July 8-9 Imbabura Real Estate Tour

July 10-13 Ecuador Coastal Real Estate Tour

July 24-26 IBEZ North Carolina

Sept. 17-21 Ecuador Spanish Course

Sept. 23-24 Imbabura Real Estate Tour

Sept. 25-28 Ecuador Coastal Real Estate Tour

Oct. 9-11 IBEZ North Carolina

Oct. 21-24 Ecuador Import Export Expedition

Nov. 6-8 IBEZ Ecuador

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

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

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

See the entire article Prison Spending Outpaces All but Medicaid at http://www.nytimes.com/2009/03/03/us/03prison.html

Ecuador Tours & Courses – After the Fall


Here is an explanation of our investing, business and  Ecuador courses and tours for 2009.

Ecuador-tours

Ecuador real estate tour inspecting $30,000 coastal condos.

A recent message looked at how spring seems to explode upon us… how some types of change seem to happen in a very short time.. the buds appear… the dandelions suddenly open, etc.  This season roars in like a lion… as does other types of change.

Ecuador-tours

Ecuador real estate tour enjoying lunch on the beach.

Destructive change can also evolve in a sudden way.  One day the gates of Rome were sacrosanct.  The next day the barbarians were there… inside the gates.

The Soviet Union seemed to disintegrate quickly . It did not slowly decay.

So our courses and tours are based on seven foundations of  prosperity in change.

Ecuador-tours

Ecuador real estate tour taking a break on the beach.

Our mission is to provide useful interesting information that helps make our lives better.

Ecuador-tours

Delegates in the textile markets.

During this time of enormous economic, social and lifestyle change, the focus of this mission has narrowed to help readers combine more income with safer wealth and greater freedom.

Ecuador-tours

Ecuador real estate tour inspecting coastal house.

This narrower focus reflects itself in five ways:

#1: Ecuador Living.

#2: Multi Currency Investing.

#3: International Earning Potential.

#4: Natural good health.

#5: Fulfillment.

Ecuador-tours

Ecuador real estate tour inspecting $18,000 coastal condos.

These five focal reflections are supported by seven foundations of prosperity in change.

Here are the seven fundamental elements we look for in every business… investment and health idea we review.

#1: Is it good value?

#2: Does it provide diversification?

#3: Does it offer a service to the global community?

#4:  Is it healthy?

#5: Is it relevant to one’s individual circumstance?

#6: Is it practical and achievable?

#7: Is it part of one’s destiny?

Ecuador-tours

Imbabura real estate tour taking a break at Meson de las Flores.

We deliver the information we uncover in three ways.

Emailed courses and ezines.  We have four:

#1: Free. Garyascott/Ecuador information daily ezine.

#2: Ecuador living service. ($119 a year).

#3: Multi currency course. ($175 a year).

#4: Tangled Web – How to have a web International Business Made EZ Course  ($299).

Ecuador-tours

Delegates having fun… dancing in Meson at night.

International  Investing and Tangled Web Business Course Seminars. We have three more scheduled in 2009.

July 24-26 International Tangled Web Business & Investing Made EZ Seminar North Carolina.

Oct. 9-11 International Tangled Web Business & Investing Made EZ Seminar North Carolina.

Nov. 6-8  International Tangled Web Business & Investing Made EZ Seminar Cotacachi, Ecuador.

Ecuador-tours

International Tangled Web Business & Investing Made EZ Seminar delegates hearing from Thomas Fischer of Jyske Bank.

Ecuador Spanish seminar courses, Export and Real Estate Tours.  We have 12 more courses & tours scheduled in 2009.

June 12-14 Shamanic Mingo Tour
June 16-17 Imbabura Real Estate Tour
June 18-21 Ecuador Coastal Real Estate Tour

Ecuador-tours

Delegates with Shamana of Zuleta.

July 3-6 Ecuador Import Export Expedition
July 8-9 Imbabura Real Estate Tour
July 10-13 Ecuador Coastal Real Estate Tour

Ecuador-tours

Ecuador export delegates visit wood carvers’ village.

Ecuador-tours

Ecuador export delegates visit Otavalo markets.

Ecuador-tours

Ecuador export tour delegates see how natural alpaca tapestries are woven.

Sept. 17-21 Ecuador Spanish Course
Sept. 23-24 Imbabura Real Estate Tour
Sept. 25-28 Ecuador Coastal Real Estate Tour

Ecuador-tours

Spanish course delegates in meeting room at Cotacachi Museum next to Meson de las Flores.

Oct. 21-24 Ecuador Import Export Expedition

Ecuador-tours

Ecuador export tour delegates learn how to bargain.

Nov. 6-8 IBEZ Ecuador
Nov. 9-10 Imbabura Real Estate Tour
Nov. 11-14 Ecuador Coastal Real Estate Tour

Ecuador-tours

Ecuador tour delegates eat well. Here is Eduardo serving hand made chocolate coconut rolls at a Meson coffee break.

We provide discounts for delegates who attend two or three courses and tours in a month.

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

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

Ecuador-tours

An Ecuador real estate tour delegate bought this beach condo for under $80,000.

Plus during the month of April, (this offer expires April 30) we are offering an extra special 2-4-1 deal.

Because we remain a small family business, we already offer our seminar and tours at about half the price of our competitors.  We recognize that many people have financial strains and we have made really special offers to keep prices low.

Our  2-4-1 offer lets you attend any one of the May or July 2009  Ecuador tours free if you enroll in one of our three International Tangled Web Business & Investing Made EZ courses, in July, October or November.

Merri and I will not be on the May & July tours in Ecuador since we also have courses to conduct in the US those months.  The 2-4-1 allows those who want to see Ecuador in May or July to also be with Merri and me at another time without any additional fee.

You get two courses for the price of one.  Enroll in any of these courses that Merri and I will conduct below and choose any one May or July tour free.

July 24-26 IBEZ North Carolina + Tangled Web

Oct. 9-11 IBEZ North Carolina + Tangled Web

Nov. 6-8  IBEZ Cotacachi + Tangled Web

Ecuador-tours

Imbabura real estate delegates inspect a mansion for sale.

There is no need to  hurry either.  If you are not sure about attending two tours,  sign up and attend the real tour now… then we’ll knock the tour fee off our International Tangled Web Business & Investing Made EZ courses, in July, October or November fee later.

You can also still take advantage of the two or three course discount as well.

For example, if you choose to attend all three of the May or July Ecuador tours… both real estate and export tours, then you can have the two or three courses discount and still attend a July, October or November International Tangled Web Business & Investing Made EZ course free.

You can enroll in one, two or three of these courses below

Ecuador Coastal Real Estate Tour May 16-17. $499 Enroll here.   $749 For a couple.

Imbabura-Cotacachi Real Estate Tour May 20-21.  $499 Enroll here.  $749 For a couple.

Ecuador Amazon Herbal Tour May 22-24.  $399 Enroll here. $499 For a couple.

Take Two for One. Attend any of the three courses below and select any one of the tours above free.

July 24-26 International Tangled Web Business & Investing Made EZ Seminar North Carolina

Oct. 9-11 International Tangled Web Business & Investing Made EZ Seminar North Carolina

Nov. 6-8 International Tangled Web Business & Investing Made EZ Seminar North Carolina

Ecuador-tours

Imbabura real estate tour delegates inspect mountain spa for sale.

Or sign up for two or three of the May or July 2009 tours and attend any of the International Tangled Web Business & Investing Made EZ seminars FREE.

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

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

This offer expires April 30 2009.

Ecuador-tours

Our Ecuador tour delegates learn from one another. Here delegates at Meson review their last lesson.

We hope to meet you.

Gary

Cotacachi Street Map


You can use this Cotacachi street map to find our hotel Meson de las Flores.

Learn more about Meson here.

The red lines are local bus routes, though they are about to change as a new bus road is added.

Many of the streets are named after famous Ecuadorians from Ecuador’s history such as Antonio Jose de Sucre or Pedro Moncayo.

Many streets are named famous dates such as 10 de Agosto (10th of August). August 10, 1809 was the date for a revolution in Quito.

Looking at the Cotacachi Street map below the main square is where the symbol of the uppermost church lays; between Bolivar and Moncayo and Sucre and Peñaherrera. Meson de las Flores is just one short block away, or 67 steps, on the corner of Sucre and Moreno.

The two main streets out of town are Peñaherrera and 10 de Agosto (pronounced DEE-EHZ DEH A-GOSTO) leading to the Plaza del Sol (Sun Square). The famous leather boutiques are on 10 de Agosto. The organic fruit market is at Salinas and 9 de Octubre.

Steve's Cotacachi street map

Here is an explanation of our investing, business and  Ecuador courses and tours for 2009.

Ecuador-tours

Ecuador real estate tour inspecting $30,000 coastal condos.

A recent message looked at how spring seems to explode upon us… how some types of change seem to happen in a very short time.. the buds appear… the dandelions suddenly open etc.  This season roars in like a lion… as does other types of change.

Ecuador-tours

Ecuador real estate tour enjoying lunch on the beach.

Destructive change can also evolve in a sudden way.  One day the gates of Rome were sacrosanct.  The next day the barbarians were there… inside the gates.

The Soviet Union seemed to disintegrate quickly . It did not slowly decay.

So our courses and tours are based on seven foundations of  prosperity in change.

Ecuador-tours

Ecuador real estate tour taking a break on the beach.

Our mission is to provide useful interesting information that helps make our lives better.

Ecuador-tours

Delegates in the textile markets.

During this time of enormous economic, social and lifestyle change, the focus of this mission has narrowed to help readers combine more income with safer wealth and greater freedom.

Ecuador-tours

Ecuador real estate tour inspecting coastal house.

This narrower focus reflects itself in five ways:

#1: Ecuador Living.

#2: Multi Currency Investing.

#3: International Earning Potential.

#4: Natural good health.

#5: Fulfillment.

Ecuador-tours

Ecuador real estate tour inspecting $18,000 coastal condos.

These five focal reflections are supported by seven foundations of prosperity in change.

Here are the seven fundamental elements we look for in every business… investment and health idea we review.

#1: Is it good value.

#2: Does it provide diversification.

#3: Does it offer a service to the global community.

#4:  It it healthy.

#5: Is it relevant to one’s individual circumstance.

#6: Is it practical and achievable.

#7: Is it part of one’s destiny.

Ecuador-tours

Imbabura real estate tour taking a break at Meson de las Flores.

We deliver the information we uncover in three ways.

Emailed courses and ezines.  We have four:

#1: Free. Garyascott/Ecuador information daily ezine

#2: Ecuador living service. ($119 a year).

#3: Multi currency course. ($175 a year).

#4: Tangled Web – How to have a web International Business Made EZ Course  ($299).

Ecuador-tours

Delegates having fun… dancing in Meson at night.

International  Investing and Tangled Web Business Course Seminars. We have three more scheduled in 2009.

July 24-26 International Tangled Web Business & Investing Made EZ Seminar North Carolina

Oct. 9-11 International Tangled Web Business & Investing Made EZ Seminar North Carolina

Nov. 6-8  International Tangled Web Business & Investing Made EZ Seminar Cotacachi Ecuador

Ecuador-tours

International Tangled Web Business & Investing Made EZ Seminar delegates hearing from Thomas Fischer of Jyske Bank.

Ecuador Spanish seminar courses, Export and Real Estate Tours.  We have 12 more courses & tours scheduled in 2009.

June 12-14 Shamanic Mingo Tour
June 16-17 Imbabura Real Estate Tour
June 18-21 Ecuador Coastal Real Estate Tour

Ecuador-tours

Delegates with Shamana of Zuleta.

July 3-6 Ecuador Import Export Expedition
July 8-9 Imbabura Real Estate Tour
July 10-13 Ecuador Coastal Real Estate Tour

Ecuador-tours

Ecuador export delegates visit wood carvers village.

Ecuador-tours

Ecuador export delegates visit Otavalo markets.

Ecuador-tours

Ecuador export tour delegates see how natural carpets are woven.

Sept. 17-21 Ecuador Spanish Course
Sept. 23-24 Imbabura Real Estate Tour
Sept. 25-28 Ecuador Coastal Real Estate Tour

Ecuador-tours

Spanish course delegates in meeting room at Cotacachi Museum next to Meson de las Flores.

Oct. 21-24 Ecuador Import Export Expedition

Ecuador-tours

Ecuador export tour delegates learn how to bargain.

Nov. 6-8 IBEZ Ecuador
Nov. 9-10 Imbabura Real Estate Tour
Nov. 11-14 Ecuador Coastal Real Estate Tour

Ecuador-tours

Ecuador tour delegates eat well. Here is Eduardo serving hand made chocolate coconut rolls at a Meson coffee break.

We provide discounts for delegates who attend two or three courses and tours in a month.

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

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

Ecuador-tours

An Ecuador real estate tour delegate bought this beach condo for under $80,000.

Plus during the month of April, (this offer expires April 30) we are offering an extra special 2-4-1 deal.

Because we remain a small family business we already offer our seminar and tours at about half the price of our competitors.  We recognize that many people have financial strains and we have made really special offers to keep prices low.

Our  2-4-1 offer lets you attend any one of the May or July 2009  Ecuador tours free if you enroll in one of our three International Tangled Web Business & Investing Made EZ courses, in July, October or November.

Merri and I will not be on the May & July tours in Ecuador since we also have courses to conduct in the US those months.  The 2-4-1 allows those who want to see Ecuador in May or July to also be with Merri and me at another time without any additional fee.

You get two courses for the price of one.  Enroll in any of these courses that Merri and I will conduct below and choose any one May or July tour free.

July 24-26 IBEZ North Carolina + Tangled Web

Oct. 9-11 IBEZ North Carolina + Tangled Web

Nov. 6-8  IBEZ Cotacachi + Tangled Web

Ecuador-tours

Imbabrura real estate delegates inspect a mansion for sale.

There is no need to  hurry either.  If you are not sure about attending two tours,  sign up and attend the real tour now… then we’ll knock the tour fee off our International Tangled Web Business & Investing Made EZ courses, in July, October or November fee later.

You can also still take advantage of the two or three course discount as well.

For example, if you choose to attend all three of the May or July Ecuador tours… both real estate and export tours, then you can have the two or three courses discount and still attend a July, October or November International Tangled Web Business & Investing Made EZ course free.

You can enroll in one, two or three of these courses below

Ecuador Coastal Real Estate Tour May 16-17. $499 Enroll here.   $749 For a couple.

Imbabura-Cotacachi Real Estate Tour May 20-21.  $499 Enroll here.  $749 For a couple.

Ecuador Amazon Herbal Tour May 22-24.  $399 Enroll here. $499 For a couple.

Take Two for One. Attend any of the three courses below and select any one of the tours above free.

July 24-26 International Tangled Web Business & Investing Made EZ Seminar North Carolina

Oct. 9-11 International Tangled Web Business & Investing Made EZ Seminar North Carolina

Nov. 6-8 International Tangled Web Business & Investing Made EZ Seminar North Carolina

Ecuador-tours

Imbabura real estate tour delegates inspect mountain spa for sale.

Or sign up for two or three of the May or July 2009 tours and attend any of the International Tangled Web Business & Investing Made EZ seminars FREE.

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

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

This offer expires April 30 2009.

Ecuador-tours

Our Ecuador tour delegates learn from one another. Here delegates at Meson review their last lesson.

We hope to meet you.

Gary

Ecuador Wills


Ecuador wills do not work if challenged.

We’ll look at some important information about Ecuador wills and Ecuador’s legal system in a moment.

Plus see below how asset protection benefits in the LLC you use may have changed.

Here is a group of indigenous farmers that our foundation Land of the Sun (LOTS) is helping.  They created a mingo (working circle) to clean out their water system that feeds a school that LOTS is helping to renovate.  Merri and I and some friends visited to check on their progress.

Ecuador-wills

Everyone works, men…

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women…

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young…

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and old.

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Well… not everyone works.

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But everyone gets involved in helping. Here is our hotel manager Franklin Sandoval conferring with the head of the village.

Ecuador-wills

I mentioned our foundation here  because it helps us gained fulfillment in our business, plus creates tax and asset protection benefits plus is part of our estate planning to make sure that the people of Ecuador are helped even after we pass.

Making sure that your assets held abroad are protected and properly conveyed in your estate requires extra planning.

Yet many Ecuador Living subscribers have been buying real estate or are moving to Ecuador without giving thought to the added complexity in their estate plans and other legal requirements.

I strongly suggest that you review you entire estate with both a local and Ecuadorian attorney. Here are some excerpts from an Ecuador Living report on why.

The Western world operates on two systems of law, the civil law of ancient Rome, and the common law of England.  These two systems have a lot in common, yet in many important areas they differ.

These differences can create legal conflicts in contracts, wills, trusts, parental rights and even residency.

The passing of wealth to heirs for example is one area that differs.

Few people coming from North America (which operates under a British common Law system), understand that US, Canadian or Ecuador wills do not work in Ecuador if challenged.

Many legal systems have evolved from The Roman civil code.  The Napoleonic Code is the French version, established under Napoléon I in 1804.  The Napoleonic code was not the first legal code to be established in a European country with a civil legal system though. The Codex Maximilianeus bavaricus civilis was reated in Bavaria arund 1756).  The Allgemeines Landrecht formed in Prussia, around 1794.  The West Galician Code,  began in part of Austria around 1797.

Many of the civil codes in Latin America are based on an original work derived from the French code and Castillan law.  Chile was the first to accept this type of legal system in 1855.  Ecuador followed in 1858.  El Salvador,  Venezuela,  Nicaragua, Honduras, Colombia and Panama are other countries with a legal system based on this foundation.

In this Ecuador legal system, the will is called the testament and allows the testor to direct the disposal, in whole or in part, of their property, upon death.   The testor retains the right to revoke the provisions in the testament anytime during his or her life.

However there is a difference in common and civil law as to what is a person’s property is.   In most civil codes, the wife automatically owns half of all property unless otherwise  stipulated in a formal way. The children own the other half.  Period. A will cannot supersede this fact.

If a person’s will leaves all of his or her property to his or her spouse, the will works fine UNLESS the children contest the will. If they do the testament will not be valid.

This can create complications in simple circumstances.  If the circumstances become complicated… for example children from two or more marriages… then problems could mount.  There is even a concern in my mind that a surviving spouse could lose investor residency status if the inheritance falls below required minimums.    A spouse could lose residency and a house!

In a common law country a person can write a will on a scrap of paper, throw it in a drawer (not advised) and that may be enough.  Though it also might not.  In a civil code jurisdiction such a will definitely will not work!

So if you create a will in Ecuador and then write another later… be sure to make the change official. Otherwise the new will may not work.

In a common law legal system wills do not have to be recorded and often the act of writing a new will allows the new document to supersede the old.

Ecuador’s Act reforming the Civil Code, of August 17, 1989 updated a number of areas relating to  covers relationships between a children and their parents, marriage, divorce, the status of wives, marital property and marital agreements.

Having an attorney to help you with estate planning in every country where you hold property makes sense…  especially if  two of the countries have different legal systems.

The US attorney we use is our friend (and trustee of LOTS) Joe Cox.

Joe’s firms specializes in cross border tax and estate planning, asset protection and real estate.

He provides an incredible system called The Strategic Snapshot which is an easy to use, color coded visualization of a person’s structures, corporate entities, estate plan and assets. We use the snap shot and have found it incredibly useful in seeing how everything from a legal point of view should fit.

You can ask Joe about the Strategic Snapshot at  jcox@coxnici.com.

Joe’s law firm also provides an excellent estate planning newsletter that I read regularly.

A recent letter at his archive shows how and says:

Conversion to Manager-Managed LLC Format

Many individuals concerned with asset protection have formed a Limited Liability Company (“LLC”) in an effort to protect their assets. In fact, most people do not know that Florida was the second state in the United States to draft LLC legislation (dating back to 1982). Most LLCs we see in our daily practice have been formed as member-managed LLCs, that is, when the members (i.e., owners) of the LLC control and manage the LLC as well. However, due to recent changes in the law regarding LLCs, we are now recommending that any Member-Managed LLC be converted into a Manager-Managed LLC format.

The intent of this recommendation is to increase the creditor protection of the LLC should the Member be involved in a lawsuit.

For example; under a Member-Managed LLC, if a creditor of the Member is able to obtain the LLC membership units (by court order, for example), the creditor could obtain management rights and make decisions for the LLC. At least one recent court ruling (from Colorado) makes this result a possibility. However, under a Manager-Managed LLC format, the Manager retains control of the management of the assets held by the LLC even if someone else “controlled” the LLC membership units.

In a Manager-Managed LLC, an elected Manager (pursuant to the Operating Agreement) manages the LLC. Note, that an existing member can act as the initial Manager of the LLC, and an independent Manager can be elected at a later time, if desired. Under a Manager-Managed LLC format, if a member was successfully sued, and the creditor obtained the member’s LLC membership units, the Manager could withhold distributions from all Members and the creditor would receive nothing. This result could deter a potential creditor from filing an unjustified or otherwise frivolous claim.


Plus Joe’s website offers an easy to use internet questionaire. See Questionaire.

We live in a complicated world often made more frustrating by the legal system.  Legal systems are problematic enough when one lives and resides in one country.   Difficulties can compound when living and or holding assets in two countries or more… especially if both legal systems…common and civil become involved.  So get an attorney and get advice so you, your spouse and your heirs never find your results uncivil.

The text above is an excerpt from a more complete report sent to Ecuador Living subscribers that describes Ecuador legal system, how to create wills there and provides legal contacts in the US, Canada and Ecuador that can help.

Learn how to subscribe here.

Regards,

Gary

Join us in Ecuador at a 2009 course or tour.

Ecuador Coastal Real Estate Tour May 16-17. $499 Enroll here.   $749 For a couple.

Imbabura-Cotacachi Real Estate Tour May 20-21.  $499 Enroll here.  $749 For a couple.

Ecuador Amazon Herbal Tour May 22-24.  $399 Enroll here. $499 For a couple.

Take Two for One. Attend any of the three international business & investing courses below and select any one of the tours above free.

July 24-26 IBEZ North Carolina + Tangled Web

Oct. 9-11 IBEZ North Carolina + Tangled Web

Nov. 6-8  IBEZ Cotacachi + Tangled Web

Sign up for our three May 2009 tours and attend any of the IBEZ Cotacachi + Tangled Web seminar above FREE.

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

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

Learn about our July 2009 Ecuador export tour 2-4-1 deal here.

See our full 2009 schedule here.

May 29-31  JGAM Multi Currency investment Seminar Naples Florida

June 12-14 Shamanic Mingo Tour
June 16-17 Imbabura Real Estate Tour
June 18-21 Ecuador Coastal Real Estate Tour

July 3-6 Ecuador Import Export Expedition
July 8-9 Imbabura Real Estate Tour
July 10-13 Ecuador Coastal Real Estate Tour

July 24-26 IBEZ North Carolina

Sept. 17-21 Ecuador Spanish Course
Sept. 23-24 Imbabura Real Estate Tour
Sept. 25-28 Ecuador Coastal Real Estate Tour

Oct. 9-11 IBEZ North Carolina

Oct. 21-24 Ecuador Import Export Expedition

Nov. 6-8 IBEZ Ecuador
Nov. 9-10 Imbabura Real Estate Tour
Nov. 11-14 Ecuador Coastal Real Estate Tour

The American Dream Goes South at Florida Investment Seminar


I’ll focus on how the American dream is heading south at JGAM’s multi currency seminar in Florida this May.

If looked at one way… the American dream is dead. Let’s ramble through economic history for a moment to see why.

In the early 1980s the US had a challenge… a severe recession from July 1981 to November 1982.  Inflation was high so the Fed  slowed the rate of growth of the money supply and raised interest rates. The federal funds rate rose to 20% by June 1981. The prime interest rate, at the time a highly important economic measure, eventually reached 21.5% in June 1982. Businesses went broke by the drove… 50 percent over the previous year.  Especially hard hit were farmers and real estate developers.

The recession was the most serious recession since the Great Depression.

This was tough but inflation eased and the economy rebounded.  Growth took off again… real growth without bad inflation because the real estate overhang and subsequent bankruptcy of the Savings & Loan industry was dealt with by the Resolution Trust Corporation.

RTC liquidated via auction and a massive sell off to private business, the real estate that had been assets of savings and loan associations that were insolvent.

The US government had the sense then not to try and control these assets.  Entrepreneurs bought the assets for pennies on the dollar and turned the property into viable deals in ways that no government agency ever could.

Japan then had a serious recession and the same opportunity.  There was a real estate and stock bubble in Japan in the 1980s.   Then in 1989 there was a massive withdrawal of confidence. Investment collapsed, causing the Nikkei index to fall more than 60 percent.

The Japanese government however decided that it could provide a fix. the Japanese felt they could not let big Japanese businesses go broke.  Between 1992 and 1995, Japan tried six spending programs totaling 65.5 trillion yen. They cut  taxes in 1994. In 1998 they cut taxes again and launched stimulus packages worth more than 40 trillion yen.,  A year later… another stimulus program. In 2000 11 trillion yen more was spent to stimulate the economy.

Over a decade the Japanese government provided 10 stimulus packages worth more than a 100 trillion yen.   The main result was to ruin the Japanese government’s credit with public debt that exceeds 100 percent of GDP. This is the highest percent of debt of all major nations.

Any other results?  Here is evidence… the main Japanese stock index the Nikkei 225 from 1989 till 2009.  Japanese society is indebted for life and the stock exchange has fallen from over 35,000 to  7,600 in 20 years.

Wow that really worked well… so

power-investing

now the US government has decided to do the same thing.

Last week the government  offered another $30 billion in funds to A.I.G. insurance.  This is the fourth round of aid to the American International Group. The government already owns nearly 80 percent of the insurer’s holding company. How much more can they buy?

This sounds like a good investment since the insurance giant was about to report a $62 billion loss after the government has already given a $60 billion loan, a $40 billion purchase of preferred shares and purchased $50 billion of the company’s toxic assets.

Behind this, the government has invested $50 billion in Citigroup… $45 billion in Bank of America.  The Us auto bailout could cost another 100 billion. More on that in a later message.

This is all taking place as the US economy spirals down at an accelerated pace.

Yet the current administration is basing its spending on calculations that suggest vigorous rates of economic growth in years to come.

They have suggested this economic growth will come in 2010.

I wonder?

There seems to  a disconnect between the Federal projections and fiscal reality.   Current conditions are not yet at the level of the 1980s, when unemployment exceeded 10 percent, but they could be soon.

Moody’s chief economist now places the odds of “a mild depression” at 25 percent. In that view, the unemployment rate would reach 10.5 percent by the end of 2011 — up from 7.6 percent at the end of January — average home prices would fall 20 percent on top of the 27 percent they have plunged already, and losses in the financial system would more than triple, to $3.7 trillion.

Yet President Obama calls this a “once in a generation” opportunity and proposed a 10-year budget that overhauls health care, arrests global warming and expands the federal role in education.

How to pay for it?   Tax more corporations and the wealthiest taxpayers.

Wrong!  Higher tax will simply kill business or drive it abroad.  What a  good idea to chase away the last of the success.

The President said  he would shrink annual deficits.  His explanation is that he will increase revenue from rich individuals and polluting industries, reduce war costs and assume a good rate of economic growth by 2010.

The rich will stop working or leave the US.  The polluters will move to Mexico or China or wherever.   The high rate of economic growth will not appear.  Stopping the war will help… but not enough.

Technology means that politicians can no longer ignore the global market and tax its citizens to death.

Take for example what is happening in Ecuador.  Remittances sent by  Ecuadorians who work abroad fell 22 percent in the last quarter of 2008.

$643.9 million was sent from October to December 2008. This is $181.7 million less than in Oct.to Dec.2007.

A similar drop was experienced in the third quarter of 2008 and is caused by the global financial crisis and especially the economic slowdown in the United States, where it is estimated 1.5 million Ecuadorians live and work.

The U.S. employment rate has crashed especially in manufacturing and construction which employ a large number of Ecuadorians.

The same is true in  Spain – where 600,000 Ecuadorians live. this is the second-leading destination for Ecuadorians.

This means that there are more Ecuadorians to serve for less in Ecuador.  This forces the Ecuador cost of living down down.

So if you are an American who is about to be super taxed… where would you choose to live?  Our farm manager sent us this note recently, “We had 4 inches of snow in China Grove.”

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Would you rather live there and pay more tax or…

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enjoy open air dining as Merri and are doing here in our Cotacachi hotel courtyard with Dan Prescher and Suzan Haskins or…

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would you rather enjoy a mountain train ride as these…

multi-currency-investing-florida-course new Cotacachi residents are doing…  passing through green mountains  and blue skies.  Getting a sun burn.

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The is the train from Ibarra to Salinas Ecuador.  Would you rather be taxed extra to be in this pool or…

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be here on Ecuador’s coast with tax advantages?

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Which view will the rich prefer?  This in the US or…

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this… especially if this San Clemente Ecuador ocean view costs much, much less?

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Where would I prefer to walk with my hound?  Here in sub zero temperatures or

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here in Cotacachi Ecuador…especially if I am taxed less and the cost of living is much lower and government interference in my life is less?

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Technology and the global market gives us as individuals enormous power to live where and as we choose that politicians can no longer ignore.

The government’s attitude to increase taxes on those who work hard could turn the existing brain drain from the US into a brain torrent.

In short there are many reasons I see that suggest the economic mess will  last for years in the US,  just as it has in Japan.

Recently, Warren Buffett wrote in his company’s annual report that “the economy will be in shambles, throughout 2009, and, for that matter, probably well beyond.”

This is not the picture we expect of the American dream.  However the picture is not bad for all.  Not all Italians became poor when Rome fell.  Italy is still a great place to live.  There are still millions of Japanese who have thrived over the past 15 years of Japanese recession.  The end of the America dream does not have to be the end of your dream.

In the US we can expect the rich to get richer… the poor poorer.   We can see why from our study of Power Distance Index.  We looked at PDI, and what it is, in a recent message about JGAM’s multi currency seminar.

There is more about Power Distance Index at http://www.clearlycultural.com which says:

Hofstede’s Power Distance Index measures the extent to which the less powerful members of organizations and institutions (like the family) accept and expect that power is distributed unequally. This represents inequality (more versus less), but defined from below, not from above. It suggests that a society’s level of inequality is endorsed by the followers as much as by the leaders.

For example, Germany has a 35 on the cultural scale of Hofstede’s analysis. Compared to Arab countries where the power distance is very high (80) and Austria where it very low (11), Germany is somewhat in the middle. Germany does not have a large gap between the wealthy and the poor, but have a strong belief in equality for each citizen. Germans have the opportunity to rise in society.

On the other hand, the power distance in the United States scores a 40 on the cultural scale. The United States exhibits a more unequal distribution of wealth compared to German society. As the years go by it seems that the distance between the ‘have’ and ‘have-nots’ grows larger and larger.

The trick then is to not accept the PDI from the lower end. Let me explain.

Excerpts from 2007 article by a Stefan Bach , Giacomo Corneo  and Viktor Steiner at www.voxeu.org entitled German income inequality outlines an idea.  The article says:

Paul Krugman frequently mentions that America’s super rich make the 19th Century wealthy look poor. “We know what John D. Rockefeller, the richest man in Gilded Age America, made in 1894 … $1.25 million, almost 7,000 times the average per capita income in the United States at the time.” Krugman wrote. ”But that makes him a mere piker by modern standards … James Simons, a hedge fund manager, took home $1.7 billion, more than 38,000 times the average income.”

Surely such extremes cannot happen on Continental Europe with its social market economics and social solidarity. The authors of Policy Insight No. 4 shows that although income inequality in Germany is a long way from reaching US proportions, the trend is in that direction. Germany rich are getting richer, and its super-rich are getting super-richer.

In other words as a society progresses, those with power get richer while the majority of  the population become poorer.

Note above that power is determined  from below, not from above. It suggests that a society’s level of inequality is endorsed by the followers as much as by the leaders.”

Power is an illusion that keeps most investors and business people depressed while a few gain from this social falsification.

The internet destroys this illusion. The web gives us all power!  Today we have as much opportunity as the rich to gain from the changes that this economic correction will bring.

This is why Merri, our webmaster and I have created a new course on how to build a web business with a webmaster.  More on this in a moment.

First what you can do as an investor or with your own business.

One answer we saw above is to live in a better lower cost environment like Ecuador.

Another answer is to be a multi currency investor. Despite America’s government spending , the dollar has been gaining, particularly against European currencies. The euro slipped to under $1.26, nearing a two-year low and down from a high of almost $1.60. This is caused as fearful investors jump into 10-year Treasury bonds… which have been shown to be terrible long term investments.   All the US government spending means that the US dollar will fall. But against what?

The euro is not a trustworthy currency now. A March 1, 2009 New York Times article by Steven Erlanger and Stephen Castle entitled “Growing Economic Crisis Threatens the Idea of One Europe” explains why.  Here is an excerpt from that article:

The leaders of the European Union gathered Sunday in Brussels in an emergency summit meeting that seemed to highlight the very worries it was designed to calm: that the world economic crisis has unleashed forces threatening to split Europe into rival camps.

With uncertain leadership and few powerful collective institutions, the European Union is struggling with the strains this crisis has inevitably produced among 27 countries with uneven levels of development.

Whether Europe can reach across constituencies to create consensus, however, has been an open, and suddenly pressing, question.

“The European Union will now have to prove whether it is just a fair-weather union or has a real joint political destiny,” said Stefan Kornelius, the foreign editor of the German newspaper Süddeutsche Zeitung. “We always said you can’t really have a currency union without a political union, and we don’t have one. There is no joint fiscal policy, no joint tax policy, no joint policy on which industries to subsidize or not. And none of the leaders is strong enough to pull the others out of the mud.”

Thomas Klau, Paris director of the European Council on Foreign Relations, an independent research and advocacy group, said, “This crisis affects the political union that backs the euro and of course the E.U. as a whole, and solidarity is at the heart of the debate.”

“All of that is in doubt if the cornerstone of the E.U. — its internal market, economic union and solidarity — is in question,” said Ronald D. Asmus, a former State Department official who runs the Brussels office of the German Marshall Fund.

If the the euro is a good currency for diversification, which currencies are?

Our multi currency course helps you learn how to diversify into safe currencies.  Our studies currently suggest that the Danish, Swedish, Norwegian kroner and Canadian dollar make sense. For example beginning in March the Swedish kroner hit a new record low. The Eastern European problems are having an adverse impact on the Swedish banks.   Also the Norwegian currency is a good technical buy.

You can join us to understand why these currencies make sense by subscribing to our on line multi currency course.

You can also join us for a currency review at JGAM’s Naples Florida investment course May 29 to 31, 2009.  This course is $499 ($750 for two) but free to those who have subscribed to our on line multi currency course.

Another way you can attend JGAM Florida seminar free is to subscribe to our course on how to have a web based business.   You can enroll in this special course for $299 and attend the JGAM course in Naples free.

Here is a special offer on this course “Tangled Web – How to Have a Web Business“.

Or join us for an upcoming course in North Carolina or Ecuador.

Gary

Future 2009 courses

May 29-31  JGAM Multi Currency investment Seminar Naples Florida

June 12-14 Shamanic Mingo Tour
June 16-17 Imbabura Real Estate Tour
June 18-21 Ecuador Coastal Real Estate Tour

July 3-6 Ecuador Import Export Expedition
July 8-9 Imbabura Real Estate Tour
July 10-13 Ecuador Coastal Real Estate Tour

July 24-26 IBEZ North Carolina

Sept. 17-21 Ecuador Spanish Course
Sept. 23-24 Imbabura Real Estate Tour
Sept. 25-28 Ecuador Coastal Real Estate Tour

Oct. 9-11 IBEZ North Carolina

Oct. 21-24 Ecuador Import Export Expedition

Nov. 6-8 IBEZ Ecuador
Nov. 9-10 Imbabura Real Estate Tour
Nov. 11-14 Ecuador Coastal Real Estate Tour

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

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

Earn in Ecuador


Many readers write asking for ways to earn in Ecuador.

They want to come to Ecuador… but need to earn here to stay.

This is a global problem.  More and more people…especially those of my  era…near the age where Westerners think they should retire will need to earn more in Ecuador or somewhere.   The economic downturn has ruined their pension and/or savings.

There is a lot of good in this.  Most of us should want to keep on earning… regardless of where we go or live, Ecuador or not.

Our friend and adviser,  Blaine Watson,  recently sent me an article entitled  “Author/physician Shigeaki Hinohara” written by Judit Kawaguchi that explains why it is good to remain employed well beyond what the norm calls retirement years.

The article says:  At the age of 97 years and 4 months, Shigeaki Hinohara is one of the world’s longest-serving physicians and educators. Hinohara’s magic touch is legendary: Since 1941 he has been healing patients at St. Luke’s International Hospital in Tokyo and teaching at St. Luke’s College of Nursing. After World War II, he envisioned a world-class hospital and college springing from the ruins of Tokyo; thanks to his pioneering spirit and business savvy, the doctor turned these institutions into the nation’s top medical facility and nursing school. Today he serves as chairman of the board of trustees at both organizations. Always willing to try new things, he has published around 150 books since his 75th birthday, including one “Living Long, Living Good” that has sold more than 1.2 million copies. As the founder of the New Elderly Movement, Hinohara encourages others to live a long and happy life, a quest in which no role model is better than the doctor himself.

In the article it explains that the Doctor says that energy comes from feeling good, not from eating well or sleeping a lot.  He says to plan ahead. His schedule is already booked ahead until 2014 with lectures and usual hospital work. In 2016 he plans to attend the Tokyo Olympics and says there is no need to ever retire. The doctor  but if one must, it should be a lot later than 65. The current retirement age was set at 65 half a century ago, when the average life-expectancy in Japan was 68 years and only 125 Japanese were over 100 years old. Today, Japanese women live to be around 86 and men 80, and we have 36,000 centenarians in our country. In 20 years Japan will have about 50,000 people over the age of 100.

Hinohara says. Share what you know.  He  gives 150 lectures a year, some for 100 elementary-school children, others for 4,500 business people.  He usually speaks for 60 to 90 minutes, standing, to stay strong.

This is why Merri, our webmaster and I have created a new course on how to build a web business with a webmaster.  Here is a special offer on this new course

Delegates have been gaining from our Ecuador courses on how to earn in Ecuador or elsewhere… in money and more.

Take Todd Smith as an example.  Todd attended one of our courses on how to earn via internet publishing. He started his own website. This is a photo on his home page.

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This is a worthwhile read because authenticity and transparency are two of the most important factors for earnings success in your own business.

Knowing our clients can have a dramatic impact on earnings and there is a growing trend of people wanting to see the whole picture.

For example, when people previously went for a cup of coffee they wanted the best coffee, served in the least expensive, fastest, most convenient way.  Now more and more buyers want more.  They want to know where the coffee was grown, what type of coffee… what did the growing process do to the environment…  how were the processors and growers of the coffee treated?

They ask what will the coffee do to the body and environment? Was the cup organic? Is the cup recycled and so forth?

We can see how this is affecting the market place in a Reuters news release some time back entitled, Starbucks Seeks More Socially Responsible Coffee.

This article told how Starbucks had launched an aggressive plan to ensure that its coffee came from environmentally friendly farms paying workers a fair wage.

They were setting up strict rules on everything from forestation to pesticides to labor practices.

Starbucks made this move because they have suffered bad publicity from coffee drinkers who wanted more than just a cup of coffee.

People today:

*See a bigger picture.
*Consume and invest in values not just material value.
*See connections.
*Are highly sensitive to being mislead.
*Are willing to pay a bit more for a whole product.
*Want authenticity.
*Are getting organized.

Micki and George Jacobs attended one of our courses on how to earn in Ecuador and globally just wrote:

We have finally gotten our website up and running for selling Bayardo’s paintings. Our webmaster (like you, he’s our son-in-law), made it attractive but simple to use. If you could mention it sometime in your news letter to get some interest started, George and I would really appreciate it. We really hope to sell enough of them to place regular orders, and maybe even increase the number of paintings ordered if sales take off.   Thanks for any help you can offer us. We hope to see you and Merri when we are down there in late March/early April.
Hugs to both of you, Micki.

Micki and George fell in love with Ecuador, and wanted to buy original art.   The watercolors of Bayardo Monteros stood out above everything else… unbelievable detail in the feathers of the birds he paints was captivating.

Here is an example of his work.

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Plus these Blue Footed Boobies

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You can see them better with more examples at George and Micki’s site.

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Here is our friend Monteros.

earn-ecuador

They decided it would be a great idea to regularly buy small batches of his paintings to sell in the U.S. Not only would the extra sales vastly improve Bayardo’s situation and expose his work to a larger audience, but it would also give others a chance to purchase an original piece of Ecuadorian art without the expense of traveling to Ecuador. They started this website, EcuadorianWildlife.com

So whether you want to earn in Ecuador or elsewhere our internet course can help. This is why Merri, our webmaster and I have created a new course on how to build a web business with a webmaster.  Here is a special offer on this new course

Even more important than the money is the great pleasure one can gain.  Malcolm Gladwell’s new book, “Outliers-The Story of Success”, explains what numerous studies have shown.  Those who have a fulfilling business are happier and healthier as well as better off financially.

The three keys for a business to be satisfying are:

#1: Autonomy.

#2: Complexity

#3: A direct relationship between effort and reward.

This is why earning in Ecuador or globally offers such satisfaction.  This method of earning fits all three requirements.

So if you have discovered that due to, what seems like misfortune, you have to work more… be happy. You may live longer, healthier and happier. There are more explanations about why it is good to remain active are below.

Until next message, good earning to you.

Gary

A special art form called Mazipan, made from bread dough is made into almost everything and is a favorite export. Here is it is as tiny fruits…made into pins, fridge magnets and such.

ecuador-earning

Here is it is masks.

ecuador earning

Primitive art painted on sheep skin is another favorite.   This art form evolved from drum making.

ecuador earning

Intricate carving on gourds are special.

ecuador earning

Plus many wood carvings are exported to earn in Ecuador. This is a favorite workshop.

ecuador earning

See our January 2010 Export tour schedule below:

Gary

Join us at our upcoming courses and tours on international investments and business.

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

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

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.  To Enroll click below.

1 real estate tour  $499 Couple $749

2 seminar courses & tours $949 Couple  $1,399

3 seminar courses & tours   $1199 Couple  $1,749

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

5 seminar courses & tours  $1,599 Couple $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.

See our entire 2010 seminar and tour schedule here

Dr Hinohara aso said about longevity:  My inspiration is Robert Browning’s poem “Abt Vogler.” My father used to read it to me. It encourages us to make big art, not small scribbles. It says to try to draw a circle so huge that there is no way we can finish it while we are alive. All we see is an arch; the rest is beyond our vision but it is there in the distance.

I have copied that poem Abt Vogler below:

1  Would that the structure brave, the manifold music I build,
2  Bidding my organ obey, calling its keys to their work,
3 Claiming each slave of the sound, at a touch, as when Solomon willed
4  Armies of angels that soar, legions of demons that lurk,
5  Man, brute, reptile, fly,–alien of end and of aim,
6  Adverse, each from the other heaven-high, hell-deep removed,–
7  Should rush into sight at once as he named the ineffable Name,
8  And pile him a palace straight, to pleasure the princess he loved!

9  Would it might tarry like his, the beautiful building of mine,
10  This which my keys in a crowd pressed and importuned to raise!
11   Ah, one and all, how they helped, would dispart now and now combine,
12   Zealous to hasten the work, heighten their master his praise!
13   And one would bury his brow with a blind plunge down to hell,
14   Burrow awhile and build, broad on the roots of things,
15   Then up again swim into sight, having based me my palace well,
16   Founded it, fearless of flame, flat on the nether springs.

17   And another would mount and march, like the excellent minion he was,
18   Ay, another and yet another, one crowd but with many a crest,
19   Raising my rampired walls of gold as transparent as glass,
20   Eager to do and die, yield each his place to the rest:
21   For higher still and higher (as a runner tips with fire,
22  When a great illumination surprises a festal night–
23  Outlining round and round Rome’s dome from space to spire)
24  Up, the pinnacled glory reached, and the pride of my soul was in sight.

25   In sight? Not half! for it seemed, it was certain, to match man’s birth,
26   Nature in turn conceived, obeying an impulse as I;
27   And the emulous heaven yearned down, made effort to reach the earth,
28   As the earth had done her best, in my passion, to scale the sky:
29   Novel splendours burst forth, grew familiar and dwelt with mine,
30   Not a point nor peak but found and fixed its wandering star;
31   Meteor-moons, balls of blaze: and they did not pale nor pine,
32   For earth had attained to heaven, there was no more near nor far.

33   Nay more; for there wanted not who walked in the glare and glow,
34   Presences plain in the place; or, fresh from the Protoplast,
35   Furnished for ages to come, when a kindlier wind should blow,
36   Lured now to begin and live, in a house to their liking at last;
37   Or else the wonderful Dead who have passed through the body and gone,
38   But were back once more to breathe in an old world worth their new:
39   What never had been, was now; what was, as it shall be anon;
40   And what is,–shall I say, matched both? for I was made perfect too.

41    All through my keys that gave their sounds to a wish of my soul,
42    All through my soul that praised as its wish flowed visibly forth,
43    All through music and me! For think, had I painted the whole,
44    Why, there it had stood, to see, nor the process so wonder-worth:
45    Had I written the same, made verse–still, effect proceeds from cause,
46    Ye know why the forms are fair, ye hear how the tale is told;
47     It is all triumphant art, but art in obedience to laws,
48    Painter and poet are proud in the artist-list enrolled:–

49   But here is the finger of God, a flash of the will that can,
50   Existent behind all laws, that made them and, lo, they are!
51    And I know not if, save in this, such gift be allowed to man,
52    That out of three sounds he frame, not a fourth sound, but a star.
53    Consider it well: each tone of our scale in itself is nought;
54    It is everywhere in the world–loud, soft, and all is said:
55    Give it to me to use! I mix it with two in my thought:
56    And, there! Ye have heard and seen: consider and bow the head!

57    Well, it is gone at last, the palace of music I reared;
58    Gone! and the good tears start, the praises that come too slow;
59    For one is assured at first, one scarce can say that he feared,
60   That he even gave it a thought, the gone thing was to go.
61    Never to be again! But many more of the kind
62    As good, nay, better, perchance: is this your comfort to me?
63   To me, who must be saved because I cling with my mind
64    To the same, same self, same love, same God: ay, what was, shall be.

65    Therefore to whom turn I but to thee, the ineffable Name?
66    Builder and maker, thou, of houses not made with hands!
67    What, have fear of change from thee who art ever the same?
68    Doubt that thy power can fill the heart that thy power expands?
69    There shall never be one lost good! What was, shall live as before;
70    The evil is null, is nought, is silence implying sound;
71     What was good shall be good, with, for evil, so much good more;
72     On the earth the broken arcs; in the heaven, a perfect round.

73     All we have willed or hoped or dreamed of good shall exist;
74    Not its semblance, but itself; no beauty, nor good, nor power
75    Whose voice has gone forth, but each survives for the melodist
76    When eternity affirms the conception of an hour.
77    The high that proved too high, the heroic for earth too hard,
78    The passion that left the ground to lose itself in the sky,
79    Are music sent up to God by the lover and the bard;
80    Enough that he heard it once: we shall hear it by and by.

81     And what is our failure here but a triumph’s evidence
82    For the fulness of the days? Have we withered or agonized?
83    Why else was the pause prolonged but that singing might issue thence?
84    Why rushed the discords in, but that harmony should be prized?
85    Sorrow is hard to bear, and doubt is slow to clear,
86    Each sufferer says his say, his scheme of the weal and woe:
87    But God has a few of us whom he whispers in the ear;
88    The rest may reason and welcome; ’tis we musicians know.

89     Well, it is earth with me; silence resumes her reign:
90     I will be patient and proud, and soberly acquiesce.
91     Give me the keys. I feel for the common chord again,
92     Sliding by semitones till I sink to the minor,–yes,
93     And I blunt it into a ninth, and I stand on alien ground,
94    Surveying awhile the heights I rolled from into the deep;
95    Which, hark, I have dared and done, for my resting-place is found,
96    The C Major of this life: so, now I will try to sleep.

Vision…Action and the Word


The time is 6 am, I am sitting in the the rising sun, on the patio…writing as I listen to the bird life here as they explore the joy of dawn in song.  Some people would call this work.

summer-view
I have better words to call what I do….service…passion…purpose…
service…fun!

This is important because these are times of rapid change that make vision increasingly important.  Using the right words in our speech and especially our thoughts can expand our vision so we prosper from change.

That is why this week’s focus is on vision.

Yesterday’s message looked at vision and smell and today’s is about vision and words.

How important are words?

I think John, the disciple, felt words were important.  He noted their value right up front.  First chapter…first verse. John 1:1, “In the beginning there was the Word.”

How can words help our vision make our lives better?

The wrong words can ruin our prosperity.

Take, for example, Monday’s message that looked at $79,000 beach condos in Ecuador.

One reader sent me a note saying, “take me off your (explicative deleted) list. All you write about is for the filthy rich, not for the common man.”

I am not sure how $79,000 condos convert to being “just for the rich”? Perhaps the reader had not checked prices lately…but there are at least two lessons in that note we can thank that reader for.

Lesson #1:  Words can take you far….up or down.

In this case it took our reader directly to our blacklist. Explicatives are the “Go to Jail card” at our site.   Imagine being so socially inept that you even get fired as a reader!

More important is Lesson #2:  Words kill…in this case the reader’s (ex) prosperity.

The act of connecting “filthy” to rich reduces success at the social level…but also at a much deeper, more powerful level of existence.  That person has clouded his vision by confusing prosperity with filth.

Nothing could be further from the truth…and one key to living a happy…successful life is a visionary vocabulary that is filled true words…such as “problems are really  just opportunity.”  “Wonderfully rich.”

Yes, there are wealthy people who misuse their wealth.   Yet there are also poor people who misuse their poverty!

Our mentalities are powerful and words are its tool.  We literally create ourselves with the words we think and say.

On the thought of wealth..success and being rich,  once our daughter who was taking her masters at the London School of Economics called us in the middle of the night.

We were concerned until she asked,  “Am I privileged”? There were many poor students from Africa and Asia at the school.  She felt guilty that she had so much and they so little.

My reply was, “Of course you are privileged.  There is nothing wrong with privilege.  It is what you do with the privilege that matters.”

Also, we might say there is nothing wrong with material success. It is what you do with it that matters!

Back to words.  Words that kill success and bodies include:  “This is killing me.”  “This is a pain”.  “This make me sick.”  “I am sorry.”

A really bad word is “retirement”.  Who enjoys being so tired that they want to be re-tired.  How about “using maturity to take a step up”.  Isn’t “living on wisdom and investments” better or perhaps we might say “living as  I always wanted.”

We have to be careful of the words we use and think.

We even have to be careful of the word “careful”.  Do we want the burden of being filed with cares?  Perhaps “caring” is better.   “I am thorough because I am caring about my investments.”

Another example shows how understanding one word has helped me earn a fortune for decades.  The example is an excerpt from the first book I wrote in the 1970s, entitled “Passport to International Profit – How to Become a One Man Multi National”.   One chapter “Foreign Fantasy” began:

“Have you ever met a foreigner or been to a foreign place? Why?  Foreign implies that because something is wrong or out of place…like a foreign object in our eye.

“This assumption immediately throws our entire mental train off track.  It makes us think subjectively…good, bad or better.  I learned this when I first began traveling to what I called ‘foreign places’… Panama, London, Rome, Hong Kong, Beirut.

“I tried to fit each of these places into my mental mold and decide which was better.

“Finally it dawned on me that none were better than the other.  None were out of place (foreign) or better or worse.  Each just was.  Each offered a unique set of opportunities.

“This was when I stopped thinking of places as foreign.  Instead I used the word ‘different but welded by the same steadfast cosmic laws that hold the world together’.  Instead of feeling fear or disgust or arrogance about the differences,  I found adventure in discovering the differences, pleasure in the variety and profit in the distortions that the differences create.”

Changing my understanding of one word (foreign) allowed me to realign my thinking and hence my investing for over 30 years.  This allowed me to become a global investor, a one man multinational citizen of the world. This allowed me to become a multi currency investor and business.  The graph below of the value of the US dollar versus other currencies for the past 40 years shows that this thinking was good.

US-dollar-chart
As the rapid change we experience in our modern world brings what others call “destructive technology”.  Why don’t we use the words “constructive technology” or “positive evolution” or “new opportunities”?

Try this.  Look for new ways to create your life (a new meaning for re-creation) and your investing and business acumen will get better.  You vision will clear and help you see new ways of success and happiness.

Until next message, may all your words be “good”!

Gary

You can still  make to our June 16 -17 Imbabura Real Estate Tour
and June 19-21 Ecuador Shaman Tour

See dates for our Autumn courses and tours:

Ecuador Super Thinking + Spanish Course

International Investing and Business Made EZ North Carolina

Ecuador Import Export Course

International Investing and Business Made EZ Ecuador

Imbabura Real Estate Tour

Ecuador Coastal and Quito Real Estate Tour

See discounts for attending more than one course.