Tag Archive | "shopping"

Profits From Tax Deductible Ecuador Shopping


As the holiday season rolls around here is how to save money and make profits from tax deductible Ecuador shopping.

Andean products are hot right now.  Take for example Alpaca sweaters offered in the National Geographic catalog (1).

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This Chiquitos Alpaca Cardigan sells for $219.00.  An Inca Gold Alpaca Cardigan is also $219.

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Here is an Inca Zig-Zag Cardigan for $169 in the National Geographic catalog.

There are even higher prices at Amazon.com for Andean products.

cole Haan Alpaca coat

This Cole Haan Alpaca Belted Wool Coat is $408 to $477 at Amazon.com

Alpaca socks

These women’s alpaca socks $14.99 at Amazon.com

Men’s alpaca socks also run $14.99 a pair.

Products like this are a fraction the cost when purchased in Ecuador.  You can gain huge savings, even more than the cost of the trip, when you shop direct in Ecuador. 

Roberto Ribadeneira sent this note about these products:  Gary I have similar products to the ones that you are showing.  Here are comparable prices.

Alpaca Cardigan, 100% Alpaca, price in Ecuador $85.00.
Zig-Zag Cardigan, 100% Alpaca, price in Ecuador $85.00.
Alpaca socks, Alpaca, $3.50 each pair. 

That’s quite a savings on your shopping.

Plus your trip to Ecuador can be tax deductible if you turn your shopping into a one or two person business.

You could even throw in a tax deductible Galapagos cruise.  Believe it or not, if you have an Ecuador import or export business, travel to and your stay in Ecuador may be part or all tax deductible, even a side trip on Galapagos cruise.  We’ll explain how IRS Regulation 1.274-4 gives small family business friendly rules that we can use to our benefit.  I explain the rules about deducting a Galapagos cruise  in tomorrow’s message. Don’t miss it!

Many of us will be looking for quality gifts at good value during this season.  One way to gain both is to shop in Ecuador.

Gary

Ecuador Export Update

Here is a note from Roberto Ribadeneira about Export Tours to Ecuador.

ecuador export

When you join the Export Tour from Ecuador, you’ll find that Ecuador is not only a beautiful place to visit, but is a good place to do business.

On this Export Tour, there is a wide range of products in various different towns north of Quito.  Let’s have a quick look at what we do before we show you the schedule.

Upon arriving to Quito (Ecuador’s capital), we will take you to Cotacachi, where we base our tours in search for amazing products.

You will be presented with lots of amazing artisans that create unique products of great quality.  There are hundreds of different items that we will explore and numerous ideas that we will share  with you.

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Most of the craftsman that we introduce to you are people that live in rural areas, that are hardworking and that make their products by hand. This means that the quality is outstanding but also that we have the flexibility to make small orders and/or big orders.

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Schedule

You will arrive at Quito’s airport, which is brand new and also the most important one in Ecuador. Depending on your time of arrival, we either take you to a hotel in downtown Quito (which is about 40 minutes from the airport) or travel from there directly to Cotacachi.

Cotacachi is one hour and thirty minutes north from Quito. The road is also new and there you will see a beautiful landscape surrounded by mountains. Cotacachi is warm during the day, a little cold at night, so bringing sweaters is recommended.

We will spend three full days exploring products and towns around Imbabura’s Province. Most of the towns that we visit are small and full of kind people. Most of the workers that we visit work from home.

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After the three day tour, we will take you back to Quito if you like to stay there, but if you would want to explore other cities, we will take you to the airport in Quito.

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Tour Day 1:  Leave from Quito to Cotacachi at 09:00.

Starts 12:00 in Cotacachi: visit to leather town, what products you can make in leather, suppliers, manufacturers and ideas on what you can make.

Lunch break: 14:00 – 15:00.

16:00:  Go to San Antonio de Ibarra, see the wood products, manufacturers and designs that we can export from Ecuador.
18:00 ending.

ecuador export

Tour Day 2:  Starts at 10:00 after breakfast at the hotel.

Visit Otavalo for Tagua and Textiles, see manufacturers, get products to make, personal labels, volume, etc.

Meet with supplier for new products to make high-end tagua items, new products of bamboo, baby blankets, baby products, Christmas products. Products made of Alpaca, specific designs.

13:00: Lunch.

14:00: Talk to cargo agency, see packing, costs, how to ship, taxes, etc.

15:00: Visit manufacturer for handmade sweaters, shawls, and other textiles, he can make specific designs for you.

17:00: Create a website, a shopping cart, manage logistic, storage and shipping cost with FedEx or Mail Service.

ecuador export

Tour Day 3:  Starts at 10:00 after breakfast at the hotel.

Visit Otavalo Market, fair day. See all the products available, purchase items for business, talk to all the vendors, see different products, low cost textiles, low cost jewelry, ponchos, sweaters, shawls, products for under $2 a piece.

12:00:  Tagua, jewelry, what designs you can make, cost of personalized items. Jewelry store for Tagua products, which they create designs for inexpensive jewelry.

13:00:  14:00 lunch.

15:00:  see rugs, alpaca products, honey products, flowers, etc.

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*    We change the schedule depending on what you would like to see. We found out that some people show more interest in certain products so we spend more time showing them those items. We always adjust to what will be most beneficial to you.

ecuador export

Towns to visit.

Among the towns that we will show you:
Cotacachi
Otavalo
Iluman
San Antonio de Ibarra
Ibarra
Cuicocha
Atuntaqui

ecuador export

Products to see:
Tagua
Alpaca
Textiles, such as ponchos, sweaters, shirts, table runners, table cloths, etc.
Bamboo
Wood products
Leather, such as duffle bags, purses, jackets, accessories, shoes, etc.
Jewelry at the Otavalo market, such as necklaces, earrings, bracelets, etc.
Art, paintings on different materials and styles, textiles manufactured at Atuntaqui.

ecuador export

Optional

ecuador export
If you are also interested in the flower business, we can show you a beautiful rose farm, that takes around 2-3 hours for the tour, so we recommend doing that if you are interested in that area of business. Most farms are in towns about 40 minutes north of Quito, either Cayambe or Tabacundo. It is a great experience, and you will get to see how they grow roses and the fields.

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Extras

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We also encourage people to bring ideas of products that you want to make and things you want to create. There may be purses that you want to design, hand made leather jackets or a certain wood carvings. There are also other ideas to explore like creating ponchos with your own University’s colors or bracelets with school’s colors.  Perhaps you want to engage in corporate products and want to have beautiful leather laptop bags with special logos, or different colors or a unique design.

ecuador export

You can talk to the manufacturers and get the pricing on items, timing of when they will be ready, and what they can do.

We will also show you how to calculate the pricing, how to do the packing and what better way to ship items from Ecuador to the USA. This way it will be easier for you to know the costs and put the right sales price for your customers.

ecuador export

All the contacts and information for everything that we see and all the manufacturers is yours. This will allow you in the future to contact them directly and work with them if you like. So you
will be able to work with the suppliers on your own if that is what you choose.

There are thousands of ideas that we can explore, and also hundreds of products that we can make. Not only you will find that working with people in Ecuador is a great experience, but also that we are able to create amazing homemade products for every need.

Once you get to see how people work and the help that everyone buying from them brings, you will get a better idea on the progress that exporting from Ecuador brings to this people. You will get beautiful products and in exchange people in Ecuador will work very hard, and also be rewarded with a better quality of life.

ecuador export

We do hope to get to see you soon on this business adventure.  Roberto

ecuador export

Individual Export Tour for one $799 or a couple $999

Please call me at 1-888-482-3850 or Email me at roberto_ribadeneira@me.com

(1) http://shop.nationalgeographic.com/ngs/product/clothing/women-s-clothing/sweaters/chiquitos-alpaca-cardigan?green=37BA0424-DEDA-5FDA-9951-9EBE2A56B6D1

Ecuador Shopping Savings


There are numerous ways to gain Ecuador savings.

Here is a great way to safely and efficiently start or end your trip to Ecuador and save on Ecuador shopping.

A recent article at this site “Better Retirement in Ecuador’s Paradise” shared how Ecuador offers great value in low medical costs …  inexpensive pharmaceuticals   …   dermatologists … and great value dentists.

There is another way to gain incredible and unique value… shopping.

ecuador-exports

Delegate on shopping tour.

The key to getting the greatest savings is to know where to look and who to deal with.  For example that “Better Retirement in Ecuador’s Paradise” was provided by a reader who spent nearly a month in Ecuador. The focus of the article was about what was NOT available in Ecuador.

otaval market

Otavalo shopper buying a Panama hat.  (Panama hats are original to Ecuador.)

The day after that article appeared many readers living in Ecuador sent notes saying:

Don’t know exactly where she was traveling here, but most of this stuff is readily available in Cuenca – baking soda (bicarbonato), bathroom scales (check Kywi for a huge selection), good cookware (Corral or Super Stock), even the electric hotplate shown in the photo (Kywi). By the time you add extra weight and baggage costs (and in some cases duty), it is simply not worth bringing all this stuff down here. And Hydrogen peroxide is available too – but it is called agua hydrogenada (at least in Cuenca at Botica Olmedo), and it can be purchased in a variety of strengths (as opposed to the 3% generally found in the US). Almond milk (Olmedo) and soy milk (Supermaxi) are here too, as is arroz intergral (brown rice – Supermaxi). Just letting you know. So many people schlep all this stuff down here and then kick themselves as it is here.

Another wrote:  Most of these items are available here in Ecuador and right here in our little Cotacachi as well as Otavolo and Ibarra. I have purchased all these items  and continue to see them here and use them. I think the lady just didn’t look very hard to find them.

Over the day I discovered that all the items mentioned in the article were available in Ecuador.  The author of that article simply had trouble finding the items!

ecuador exports

Otavalo Market.

Shopping in Ecuador is great but the quantity, quality and price improve greatly when you are in the know.   To overcome this Ecuador shopping problems, Roberto Ribadeniera, head of Ateam Ecuador in Quito has set up his shopping service so readers can get the best prices in travel as well as with their Ecuador  shopping.

This is a great way to begin your Ecuador journey. You are met at the airport by someone in the know, who for the first day or two can answer questions,  help you save on your shopping and make sure you head for your next destination in the most efficient and safe way.  They will even store your goods and deliver them to you before your departure so you do not have to carry them all over Ecuador.

Or you can finish your journey with Ecuador shopping.  You’ll still save and they will make sure you get to the airport for your departure on time.

Roberto sent this note about how you can enjoy the best shopping and save when you visit Ecuador.

Gary

Cotacachi-Otavalo

Old Vendor at Otavalo Market.

Shoppers Adventure and Savings Tour

Roberto Ribadeneira

When traveling it’s always very useful to know certain things: like how to save money on hotels, car rentals and of course, where to buy the best products at a great price.

Many people are writing to us asking how they get a taxi from the airport to Cotacachi, how much it will cost, if they go to Otavalo then how they take their products, which hotel they can stay in. And those questions don’t even cover which products they can buy and how they can save big money.

We have done a 1 day and 2 day shopping tour before – for large groups. We have taken people from Quito to Otavalo and Cotacachi and showed them where to shop, which products are great and since we know the producers, we get them BIG discounts.

otavalo-Ecuador

Young Vendors at Otavalo Market

That is why we like to offer the same “express”  tour to anyone that is coming to Ecuador or is in Ecuador and wants to do some shopping. We can either go for 1 day or 2 days and we will help you buying all those things that you want.

Now is the perfect time to do that. If you are traveling for vacation, you are looking for properties or just visiting, we can help you out for a day or two.

Have fun with us and also do some Christmas shopping, you can get some amazing products for your family and friends that will be the perfect gift for Christmas.

Ecuador Exports Opportunity

Happy Vendor at Otavalo Market.

What we offer:

–    Pick up at the airport or at Quito.

–    Drive with you to Otavalo and Cotacachi.

–    Introduce you to the best places to get those products that you want and shop with you translating and guiding you on what prices should be.

–    All meals are included in the price.

–    We have an excellent discount at Inn Land of the Sun and have included your staying at the hotel in the price (for the two day tour).

–    If you are traveling to other places, we will hold the products that you bought for you, so you don’t have to worry about carrying lots of bags.

–    We will drive you back to the airport as well or help you arrange your onward travel.

ecuador-christmas-tour

Sister Vendors at Otavalo.

You save lots of money. Imagine this, you don’t pay for a taxi to pick you up at the airport, you don’t pay for a taxi to take you back. You don’t pay for a taxi from Otavalo to Cotacachi and back. If you are staying for two days the hotel is far cheaper with our discount. If you are traveling somewhere else, we will hold on to your products for you. Plus, because we know the suppliers they will give you discounts when you go with us to do your shopping.

Some of you are already planning on going, some of you thought it was too much trouble to do it, either way let’s make that trip very special. We can make it to be an extraordinary experience and at the same time save you a lot of money.

ecuador-export-tours

Exhibition at Otavalo and…

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Peguche, the Village of the Weavers

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Leather in Cotacachi.

Ecuador Exports Opportunity

Wood carving in San Antonio de Ibarra.

All of these markets are within 20 minutes of Inn Land of the Sun in Cotacachi.

Ecuador-export-tours

Wood Carving in

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San Antonio de Ibarra.

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Art Otavalo

Otavalo-art

Enjoy great savings on an Ecuador adventure shopping tour.

List of tours and prices are as follows:  If you need a different quote for more days or more people please email me at  Roberto; roberto_ribadeneira@me.com

Tour for a single person for 1 day: includes (transportation from Quito airport to Otavalo, 1 snack, 1 meal, shopping tour, shopping guide and translator) for $159.    Enroll here.

Tour for a single person for 2 days: includes (transportation, 2 snacks, 2 meals, 1 breakfast, shopping tour and 1 night at Land of the Sun, shopping guide and translator) for ONLY $269.  Enroll here $269

Tour for a couple for 1 day: includes for two people (transportation, 1 snack, 1 meal, shopping tour, shopping guide and translator) for ONLY $209.  Enroll here $209.

Tour for a couple for 2 days: includes for two people (transportation, 2 snacks, 2 meals, 1 breakfast, shopping tour and 1 night at Land of the Sun, shopping guide and translator) for ONLY $299.  Enroll here $359.

Roberto

Protect Your Savings in Ecuador

Old Accord Creates New Profits – Multi Currency Investments.

Earn more with multi currency stock market breakouts.

Improve Safety – Increase Profits

Learn how to improve the safety of your savings and investments by selecting good value and diversified investments in a multi-currency portfolio.

Few decisions are as important to your wealth as the value of the markets and currencies you invest in.  This has been our area of expertise since the 1970s and we have worked with and advised some of the largest currency traders in the world.

Gain Protection First – Against the Dollar’s Purchasing Power Loss.  In 1913 the The Federal Reserve Act created the Federal Reserve Bank to protect the purchasing power of the US dollar, which has since lost about 94% of its purchasing power.  Here is its price compared with gold since 1900.

priced in gold

Dollar chart from pricedingold.com (1)

The Fed has let the dollar lose most of its strength plus has allowed interest rates to fall so low, that safe investments cannot keep pace with the drop in purchasing power.

multi-currency-chart

Chart from Grandfather Economic Report (2)

Many investors have forgotten about the risk of a falling dollar because the greenback has been strong for the past five years.  This temporary dollar strength came after the great recession of 2009 just as there was temporary dollar strength after the great recession of the 1980s.  Then about six years after the recession, an agreement was made by major governments to weaken the dollar.

There was a severe global economic recession affecting much of the developed world in the late 1970s and early 1980s.  The United States and Japan exited the recession relatively early, but high unemployment would continue to affect Europe and the UK through to at least 1985.  As a consequence between 1980 and 1985, the US dollar had appreciated by about 50% against the Japanese yen, Deutsche mark, French franc and British pound, the currencies of the next four biggest economies at the time. Then the governments reached an agreement and exchange rate values of the dollar versus the yen declined by 51% from 1985 to 1987.

Now the world is again in the same place.  The recession is over.  Europe is a bit behind in recovery and the dollar is higher than before the recession.

There is no reason for the greenback to be  strong.

The agreement in 1985 was called the Plaza Accord.   Over just two years the greenback dropped nearly 50% versus other major currencies.  The next accord will generate great profits for those who know what to do while it ruins the purchasing power of dollar back investments.

The strong US dollar and low interest rates have created one of the biggest stock and multi currency breakout opportunities in history.  Learn how to create a plan to profit from multi currency shifts ahead.

One reason for the potential gains is that stock markets and currency values are cyclical.  Due to low interest rates created by the 2009 economic downturn, the US and a few other equity markets have risen to some of their highest prices, ever.  These markets offer very poor value now.  The steep valuation creates incredible profit potential but also hides some enormous risks.  Learn how to develop an investing strategy based of earnings, cash flows, dividends and book values to increase potential for profit and reduce the risks.

Next Extra Profit Created by Value Breakouts

Over the history of US equity markets, the  price of overall markets have risen about 9.1 percent, respectively, compounded annually.  Yet over more than a hundred years of stock market activity,  a majority of the profits have come from just a very few dramatic breakouts.

Equity markets are ruled in the short term by emotions that create unpredictable ups and downs.  Numerous fears of defaults, worries of double dip recessions, high unemployment, concerns about fiscal cliffs, hold investors back.  Yet global population growth and advances in production and prosperity are relentless economic fundamentals that increase value.

When fear holds back a a fundamentally rising value, rising profit potential grows.  Values increase as prices stagnate.  Then markets break free and rocket upwards creating wealth, prosperity and growth.

Find out which breakouts are likely to take place next.

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 years as shown in this graph.

stock-Charts

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 create war.

Here is the war stock cycle.  Military struggles (like the Civil War, WWI, WWII and the Cold War: WWIII) 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.

Learn how the Cyber War (WWIV) may change the way we live and act and how this will affect currencies and investments.

Learn:

* 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), but 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.

keppler asset management chart

This chart based on a 45 year portfolio study shows that holding a diversified good value portfolio (based on a  good value strategy) for 13 month’s time, increases the probability of outperformance to 70%.  However those who can hold the portfolio for five years gain a 88% probability of beating the bellwether in the market and after ten years the probability increases to 97.5%.

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

Learn how much leverage to use.  Leverage is like medicine, the key is dose.  Buffett leverages his portfolio at a ratio of approximately 1.6 to 1.  This rate of expansion by the way is called the “Golden Ratio”.  It is a mathematical formula that controls the growth of most natural things; trees, the shape of leaves, the spiral of shells, as well as the way economies and societies grow.

We’ll sum the strategy, how to leverage cheap, safe, quality stocks and for what period of time based on your 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 (almost) years of investing experience combined with wisdom gained from some of the world’s best investment managers and economic mathematical scientists.

Enjoy investing more with slow, worry free, good value investing.  Stress, worry and fear are three of an investor’s worst enemies.  These are major foundations of the Behavior Gap, a trait exhibited by most investors, that causes them to underperform any market they choose.  The behavior gap is created by natural human responses to fear.  The losses created by this gap grow when investors trade short term under stress.

Learn how to put meaning into your investing by creating profitable strategies that combine good value investments with unique, personal goals.

Learn how to span the behavior gap.  Behavior gaps are among the biggest reasons why so many investors fail.  Human evolution makes fear the second most powerful motivator.  (Greed is the third.)  Fear creates investment losses due to behavior gaps.  Fear motivates us more strongly than desire.  By nature investors are risk adverse, when they should embrace risk.  Purpose is the most powerful motivator,  stronger than fear and greed.  One powerful way to overcome the behavior gap is to invest with a purpose.

Combine your needs and capabilities with the secrets and the math of our good value model portfolio.

Share ideas about my good value portfolio.  My personal investment portfolio comes from a continual analysis of international stock markets and a comparison of their value based on current book to price, cash flow to price, earnings to price, average dividend yield, return on equity and cash flow return.

Markets included in this portfolio are:

• Norway
• Australia
• Hong Kong
• Japan
• Singapore
• United Kingdom
• Taiwan
• South Korea
• China

These markets have been chosen based on four pillars of valuation.

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

Learn how to use Country ETFs to easily construct a diversified, risk-controlled, equally weighted representative country portfolios in all of these good value countries.

To achieve this goal my portfolio consists of Country Index ETFs that track an index of shares in a specific country.  These country ETFs provide diversification into a basket of equities in the good value countries.  The expense ratios for most ETFs are lower than those of the average mutual fund as well so such ETFs provide diversification and cost efficiency.

This is an easy, simple and effective approach to zeroing in on value because little management and guesswork is required.  You are investing in a diversified portfolio of good value indices.  A BUY rating for an index does NOT imply that any stock in that country is an attractive investment, so you do not have to pick and choose shares.  You can invest in the index which is like investing in all the shares in the index.  All you have to do is invest in an ETF that in turn invests passively in all the shares of the index.

Learn 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 a test.

The Test for Low Cost Trading

Research put every part of this portfolio in place, except knowing the best, easiest and least expensive way to buy.  A search for an optimal way to buy and hold boiled down to two methods.  One tactic to test was to use a unique online broker that appeared to offer the lowest cost deal.  The other approach was to use a community bank in Smalltown USA.  The small town bank that I use looks after my 401K trust account and their service is first class.  The benefit of small banks is that they still treat us as a human beings (instead of a number) and when we need, it’s easy to go right to the top to answer a question or get a problem resolved.  There are no call centers and the bank and the person looking after my account is just around the corner.

I created a test to see which offered the least expensive service.

Working with my banker in Smalltown USA,  I created two accounts, one at the online broker and the other at the bank. I placed $40,000 in each.

I set up the order for the country ETFs online, while my trust manager set up orders for the identical amounts of the same shares in his system.  Then we got on the phone, coordinated our timing and on a count of three each pushed the button “BUY”.

The results of this test  show how you can gain on any purchase of country ETFs.

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 2017” and our latest $297 online seminar for a total savings of $468.90.

ecuador-seminar

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 2017” 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.

Gary

 

Gary

(1) Dollar chart from pricedingold.com

(2) Grandfather Economic Report

 

Ecuador Beach Shopping


Ecuador beach shopping.

Globalization can help us all fight inflation.  We can live where it is best for us… not just where we were born.  One great place to live  on a budget without great sacrifices in lifestyle is Ecuador.

Many readers wonder if they move to Ecuador will they have to give up access to consumer goods.

Bahia photos

Normally when people think of Ecuador’s coast, they envision a beach like this one at the new Hacienda Palo Alto project in Cabuyal just north of Bahia,  that is about to begin. However shopping also on Ecuador’s coast is good especially in Manta where…

Bahia photos

there are numerous Western quality shopping malls.

Jean Marie Butterlin reports on shopping on Ecuador’s coast:

Shopping in the Bahia area by Jean Marie Butterlin

Good news!  Yesterday the Bahia City Hall has put the bidding process online for the parcel close to the bridge, that has been vacated by the Army Corp of Engineers after the completion of the bridge.  One of the big chains (Mi Comisariato) has already entered a bid.  Also I just learned that Super Maxi has been looking at another parcel there to build a supermarket.

Mi Commasario in Manta:

Bahia photos

We do not have a completion date yet but within a couple of years we should have at least a nice supermaket and a nice mall. This will avoid going to Manta (1h15 min away) to do some of the shopping.

Bahia photos

In Manta I can find most of what I need in 2 malls; one is the Super-Maxi mall close to the Oro Verde Hôtel.

Bahia photos

The other one the El Paseo Mall where the competitor Mi Comisariato is located.


Bahia photos

There you can find the big ticket items like kitchen equipment, light fixtures for example, as well as most of the house cleaning and food.

Bahia photos

I personaly go to Manta once every 2 weeks to do my shopping and banking,  although we have several banks in Bahia also like Pichincha and Banco de Guayaquil for example. But I still do buy all the veggies, fruit and fish locally, where all the produce is fresh and reasonably priced. For meat, there is an American butcher that has opened  “La Casa de Carne”  in Manta, where a lot of expats get their steaks, with the same high quality that can be found in the US.

Another way to find good meat and poultry is to order it ahead of time from local farmers. Who you know is the key ! The same is true for the fresh shrimp and fish.   Getting to know some local shrimp farmers and fishermen can make a big difference when you are looking for extra quality at good prices.

For the wine lowers, Bahia has a few shops that offer some Chilean and Argentinian wines at $7 to $12/bottle. A good way to save is to go to the Myers restaurant in San Clemente, where you can buy by the case at a discount or shop in the 2 supermarkets in Manta. Interestingly enough I have found that fast food prices in Manta are not that much cheaper than in the US. These chains have not reached Bahia yet…. fortunately !

Jean Marie.

You do not have to suffer when shopping on Ecuador’s coast. Of course to me the sea is the attraction.

Bahia photos

Beach at Bahia

Bahia photos

Beach at Bahia

Long walks on an empty beach are more important to me than malls. However it is nice to know the shopping and the goods are available nearby and in excellent quality.  For those who go shopping on Ecuador’s coast can do so knowing that when they get home they have the wonderful sunset to top off a good day!

Bahia photos

Sunset on Ecuador’s Pacific at Hacienda Palo Alto project in Cabuyal.

Gary

Learn more about Ecuador on an Ecuador real estate tour.

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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

Gary 

 

 

 

Money Abroad Concerns Q&A


Let’s look at taking money abroad concerns in this Saturday comments and Q&A.

#1: Is there a new 6% withholding on money sent abroad?

#2: Bank compliance dangers. Risks of being clever.

#3: Ecuador English book stores, shopping, and western size clothes.

#4: More on Ecuador buses.

#5: A good investment that fights inflation wherever you live.

#6: Essential oils in Ecuador.

#7: Reader comment on glasses half full.

#1: Is there a new 6% withholding on money sent abroad? A reader asked this question: Hi Gary,
I have a question about a recent post of yours. It was about a new US tax law where 6% of the money an expat brings with him/her to their new country will be held back by the IRS to prevent tax evasion.  If my memory still serves me, this “insurance policy” of the IRS’s will only apply to money over a certain amount.  And herein lies the gap…what is the amount?  Or better yet, where can I find the post?  I have searched your archives through October 2010 but haven’t recognized it yet.  Best regards to Merri,

I replied: I have not written about this nor have I heard anything of this nature. I’ll check it out and if there is any truth to this I’ll post a message.

I sent a note to our friend and tax attorney Joe Cox.  Joe has been helping us for about 20 years and has the following honors:

• Masters in Law in Estate Planning
• Florida Bar Certified Tax Lawyer
• Florida Bar Certified Wills, Trusts & Estate Lawyer
• Fellow, American College of Trust & Estate Counsel
• Named “One of the Top 1.6% of Lawyers in Florida” and among the “Top 34 Lawyers Specializing in Wills, Trusts and Estates” by Florida Trend magazine in 2004.
• Named “One of the Top 100 Attorneys” by Worth magazine in 2005.
• Recognized as a “Super Lawyer” — Where Only 5% of the Attorneys in the State are Named in 2007.

Joe replied: Gary:  No.  But, I will begin to inquire.  Joe

For more information about estate planning and tax contact Joe Cox at jcox@coxnici.com . Joe’s website is www.coxnici.com

I also checked with our asset manager Thomas Fischer at Jyske Global Asset Management.

Thomas wrote: Hi Gary, He might refer to the exit tax but that is actually much higher than 6% see below link: Thomas

Thomas gave me a link to tax data that says: If you have taken the far-reaching and irrevocable decision of giving up your US citizenship to permanently disconnect from your US tax obligation, you still have to settle your exit with the IRS.

Covered Expatriates and Exit Tax Threshold

The Heroes Earnings Assistance and Relief Tax Act of 2008 (the HEART Act) and the U.S. Treasury Notice 2009-85 establish the following rules for US expatriates.

The law applies to US citizens who expatriate, as well as long-term US permanent residents who give up their green cards, which they have held for 8 of the last 15 years. Both categories are subject to immediate “exit tax” on unrealized gains on all their assets in the US and worldwide, including grantor trusts, as well as on any future gifts or bequests to US citizens and residents, if any.

You qualify for the covered expatriate and the related exit tax, if you meet any of the following criteria:

• you have a net worth of US$ 2 million or more;
• you have an average net U.S. income tax liability of greater than US$ 139,000 (thereafter indexed for inflation; $145,000 for people expatriating in 2009) for the five year period prior to expatriation; or
• you fail to certify that you have complied with all U.S. federal tax obligations for the preceding five years.
Herewith, all property subject to gift tax and all property, where you hold a use right, are included for purposes of the net worth test.

The exceptions are dual nationals from birth, who have not lived in the US for more than 10 years from the last 15, and persons younger than 18½ who have not lived in the US for more than 10 years.

The tax payment is due within 90 days after giving up your US citizenship.

30% Withholding Tax

Deferred compensation items, depending on their nature, are either subject to 30% withholding tax at the moment of payment, or to be included in the personal income of the expatriate subject to exit tax. Those items, that are subject to 30% withholding tax by being a distribution to covered expatriates, are also most likely to be taxed again at the 30% rate as payments to non-resident aliens. Such treatment may cut certain pension plans and retirement accounts by up to 51% net tax.

IMPORTANT NOTE: This regulation only applies to those giving up US citizenship or green card. So far we have not seen any tax or withholding on those who expatriate funds or move their residence abroad.

#2: Bank compliance dangers. Risks of being clever.

This does not mean that there are not numerous new regulations about moving money offshore.

A reader trying to buy Ecuador real estate shared this note: This email is just for informational purposes because I believe my experience may possibly be of interest to you.  I participated in the Ecuador Living February 12-15, 2011  Cuenca Real Estate Tour and I would recommend the tours to anyone.

The situation is:  I am a United States citizen that has deposited funds into the Canadian Western Bank in British Columbia.  Last  week I faxed a Wire Transfer Request form to the bank  for a down payment on a condominium in Cuenca. Then I called the bank with questions about the form and spoke to a manager. She informed me the bank cannot release the funds until a regulatory entity approves the release of the funds. The Canadian government has a list of countries it doesn’t want funds sent to;  Ecuador is on that list.  The manager then told me I had  to complete another form that could be completed by answering questions she would ask by telephone.  The questions noted below were some of the questions (as  best as I can recollect) with respect to the second form:
a.  What do I plan to do with the funds in Ecuador?
b.  Do I plan to live permanently to Ecuador?  If so, why?
c.  Will  the condominium  be my primary residence, 2nd home, rental?
d.  What was the source of the funds I initially deposited into Canadian Western bank?
e.  Why did I deposit funds with Canadian Western bank initially?
f.   Did I investigate the attorney handling the sale?
g.  How do I know the attorney is honest?
h.  Will the wired funds be put into a trust until the sale is  completed?  If the funds are deposited into the attorney’s account how do I know  he won’t steal  the funds?
i.   Why isn’t a title  company handling the escrow?

The bank doesn’t dispute the funds are mine.  I was asked many  intrusive questions. The bank manager told me  one purpose for the questions is money laundering, another reason is because the government disapproves of Ecuador therefore a determination will be made if the funds will be released to wire to Ecuador.

Also, I asked the manager if 30% of the funds will be with-held per the request of the United States government.  She said yes, but she didn’t know if it would be 30% of the withdrawn funds or 30% or the total funds on deposit. That was when she asked why I deposited the funds in Canada.  I told her it was because many U.S. banks are not financially sound and the FDIC won’t release their names therefore I don’t know if my bank is financially sound.  Also, that I have read Canadian banks are rated as among the safest in the world.

The manager requested I call her Tuesday, February 22  if the wire isn’t received into the Cuenca attorney’s account Monday.

Gary’s Comments: We’ll have more about compliance issues in upcoming messages. I doubt that this transaction as described will create a 30% withholding. This does not mean that the bank manager understand the correct law.

This particular issue appears on the surface to be a growing phenomenon I call compliance confusion.  There are so many global rules and regulations now that no one can understand them all.  The penalties for not complying are so harsh that the knee jerk reaction of ignorant, untrained, or just not alert compliance officers is to freeze everything and not do anything. I have seen this again and again… when someone at numerous types of institutions … trying to cover his lack of knowledge… freezes funds and inhibits a perfectly normal legitimate transaction. I have had this happen myself and will go over these issues in more depth in a separate message.

#3: Ecuador English book stores, shopping, and western size clothes.  This reader asked: Dear Gary,

For those of us living in Ecuador, can you name a few good bookstores and their addresses? For those who want to read (in Spanish), or to purchase quality reference books, on any subject, where are the real bookstores? Surely there are a few in Guayaquil or Quito or Cuenca or Manta or Loja, etc.?

The same goes for a natural health care product stores with quality vitamin and mineral supplements. Are there any? If so, where?

Finally, for those of us of northern European ancestry, finding men’s shoes in the larger sizes is a big problem. Can you name some stores in Ecuador that carry the larger sizes? And that don’t charge exorbitant prices for them? And also, men’s clothing n the larger sizes?

Mind you, in both cases I am not looking for Gucci shoes, or Armani power suits. I can`t afford that type of apparel. I am talking about off the rack shoes and shirts and pants, that don`t cost an arm and a leg, or have to be tailor made. I am 6 feet thee inches, one hundred and ninety pounds, which practically makes me a giant compared to most Ecuadorean men.

Bonnie Keough, Ateam Ecuador, fielded this question.

I have been in many bookstores in Quito, unfortunately I don’t have the addresses.  However, a quick search on google brings up lots of information including the following.  Note, these two stores are in the Mariscal Sucre area which we do not recommending visiting.  If you go, I would recommend only visit in daytime and use a taxi.  There are also a few stores between the Suisse Hotel and the Hotel Quito.

Quito Bookstores: Confederate Books is undoubtedly the best used bookstore in Ecuador. The gregarious owner Tommy Savage buys and sells used books in every category from science to biographies to fiction. He also has a small collection of French-, German-, and Spanish-language books. Additionally, he sells new Abya Yala publications (which focus on Ecuadorian indigenous groups).

This little corner bookstore, located in the heart of New Town’s Mariscal Sucre district, is a good place to come not only to swap and buy novels but also to have a glass of wine and a chat with Tommy, a New Orleans native. He is an enthusiastic source of what to do and where to do it in Quito. He also changes traveler’s checks and damaged dollars (possibly the only person in all of Ecuador to regularly do so) at rates comparable to those of local banks. As an ardent collector of unique beer cans and bottles, he may even give you a free book if you bring him something out of the ordinary.

Open: Monday through Saturday 10 – 7pm. In the summer he is occasionally open on Sundays. Located at Calama 410 y Juan León Mera. Phone number – (593 2) 2527890. Email – tommyisl@hotmail.com.

Libri Mundi, in La Mariscal on Juan León Mera between Wilson and Veintimilla, is the best place to buy new books in Quito. They have an extensive collection of books in Spanish, as well as modest selections of books in English, French, and German.

I’ve purchased maps at Libri Mundi, very interesting store.

Open: Monday through Friday 8:30 – 7pm, Saturdays 9 – 1:30, 3:30 – 6:30pm.

I’ve also started collecting Ecuador Infinito magazine.  Each beautiful issue has stories in both English and Spanish and is loaded with wonderful photographs.  I’ve seen them for sale at Olga Fisch Gallery, Supermaxi and other places.
There are also decent bookstores in Quito’s new shopping centers, El Jardín and QuiCentro.

Camari in Quito is like a small version of Whole Foods, I love poking around in the store.  They have everything from essential oils to quinoa spaghetti.  Also, there’s a great deli and wine shop next door and a wonderful market across the street.

Full Name:    Camari, Quito, Ecuador
Opening Hours:    Mon-Fri 8.30am-6.30pm; Sat 8.30am-1.30pm
Address:    2-38 Marchena & Versalles, Santa Clara Market, New Town
Directions:    Taxi

Contact Details:    Camari Phone:    +593 (0) 2 254 9407 begin_of_the_skype_highlighting    +593 (0) 2 254 9407

Haven’t done any shopping for men’s shoes, but on more than one occasion I have brought shoes to Ecuador for my friends. My suggestion would be to order online, have them sent to a friend or relative’s home and they can bring them to you when they visit.

You could do the same with clothes, men’s jeans, pants and shirts are easier to shop for than ladies clothing.  I often bring jeans, tee shirts, socks, etc. down for folks.

Our tailor in Cotacachi makes men’s shirts and pants, casual or dressy and his wife makes lady’s clothing.  His prices are very reasonable.  I’m sure every area has a tailor.

Also, there is a boot factory in Cotacachi, they could probably make shoes in larger sizes for you at a good price.

As a last resort, Quito has several large malls which have the types of stores that all malls around the world have.  You could probably find clothes, shoes and books there.

Best regards,  Bonnie

My Note: Ecuador offers incredible cost of living bargains but not for imported goods.  US style shoes… clothes do cost more than in the USA.

#4: More on Riding Ecuador Buses.  A reader who lives in Cuenca wrote: HI Gary,  Thanks for your notes and articles.
Here is my experience with buses. I just took a trip from Guayaquil to Bahia using the bus line La Reina. It was about a 4 hour ride. Reserved seats, few stops, air conditioned and they played 3 movies. Quite enjoyable and all for only $7. You are correct that you have to be careful of the bus line you select. On my return I used another bus line and though no problems the frequent stops and overcrowding was annoying. Take care,

#5:  A good investment wherever you live. Numerous readers have asked: What will happen in Ecuador if the US dollar falls?

Gary’s Comments: I spoke about this last weekend before over 400 delegates at International Living’s Ultimate Event.  The answer is inflation. We can already see it coming.  The cost of living in Ecuador will rise.

I explained to the audience that a New Sucre was unlikely but if so…

•A New Sucre is Good for those who earn in US dollar if it happens
•A New Sucre Value Will Likely Fall Versus the US Dollar
•A New Sucre Value is Not Likely to Rise Versus the US Dollar

One solution to inflation I recommended to the audience is the  WisdomTree Dreyfus Commodity Currency Fund (CCX) Exchange Traded Fund ETF.

Inflation will make commodity prices rise. Higher commodities will help strengthen the currencies in countries that are commodity rich.

This returns money market rates in commodity-producing countries and changes of currencies vs. U.S. dollar. Currencies at launch: Australian Dollar, Brazilian Real, Canadian Dollar, Chilean Peso, Norwegian Krone, New Zealand Dollar, Russian Ruble and South African Rand.

This fund is invested in very short-term, investment grade instruments.  This is not a “money market” fund and it is not the objective of the fund to maintain a constant share price.

#6: Essential oils in Ecuador.  Our friend Candace Newman… The Essential Oil Lady sent this note:  Gary I just wanted to let you know one of your clients contacted us to see if we would ship to Ecuador. I have the shopping cart configured to include Ecuador. I have sent a message to the client also to confirm.

Learn more at Ecuador Shamanic Health Tactics

#7: Reader comment on glasses half full. A reader shared: Gary,  I thoroughly enjoy every email I get from Ecuador Living and appreciate every article you write.

I have to make a comment about a recent article about your seeing the glass always half full. Or, I think you put about stepping in manure… I’ll make this quick because I know you are a busy man. However, I know you can use this visual in some fashion…..

There were two boys that woke up on Christmas morning. They step outside their home and both of the boys step in a big pile of manure. One of the boys start complaining about the smell of manure on his shoes and how messy it was. The other boy is so excited. He is jumping up and down and yelling at the top of his lungs… Where is our new horse? He was so excited about getting a horse for Christmas that he didn’t care about stepping in the manure or the smell that went with it.

I just had to share this story with you! Within the next year I will make that journey to Ecuador and I hope I get the opportunity to meet both you and Merri! Thanks for all you do! Sincerely,

What a great story!  Until next message may your cups be full and runneth over!

Gary

Earn With Excellent Ecuador Exports


You can earn with fun shopping for Ecuador exports..

ecuador exports

Delegates having fun…

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on an Ecuador export tour conducted by Bonnie Keough.

Fun and play should be an important part of business, investing and life.

This is why the Ecuador exports tours mentioned at this site have worked so well.

During the holidays shopping can be pretty hectic, but for many, shopping is fun.  Shopping in Ecuador with ridiculous, low prices is even more fun for those who enjoy the process of finding good value.

We are especially proud that Bonnie Keough who was originally a student of our export tours… has taken over and built a great business with…

ecuador exports

her own exports that she sells.  Bonnie takes you into the factories and markets like this and much more…as well as into private homes where beautiful products are created by the entire family.

ecuador exports

She conducts the Ecuador exports tours (she has expanded them to five days from three) and can

ecuador exports

help you bring back Ecuador exports to your market.  There is a wide variety of…

ecuador exports

products.

Two letters Bonnie received from exporters, who started on her tours show how much fun an Ecuador export business can be.

Here is one: Hi Bonnie, I’m not sure if you received my last emails! We had a horrible virus invade our website. I think it is finally fixed. I wanted to let you know that We have had such a positive response with all of our stuff! Our biggest worry now is running out of inventory. We’ll be in Ecuador January 5 and 6th. Are you going to be there then? We have a lot of people who love the children’s sweaters and would like them in adult sizes. Also the bracelets were a huge hit. If you aren’t going to be there who would you suggest we contact to get help while there? He will need to buy about the same amount as our last shipment. This whole adventure has been so much fun! You did a wonderful job picking out our last shipment! Hope you are enjoying the holiday’s! I look forward to hearing from you.

Here is another: Hi Bonnie,  We are selling Ecuador stuff like crazy, soon we will be out of inventory and haven’t even met with the two store chains who want to represent our Alpaca products!!  I am spending the Christmas Holidays with my fiancee and would like to fly to Ecuador to buy more inventory!  Are you going to be there during the Holidays?  If not, can you arrange a colleague to work with me when I’m there? If this keeps going as it is now, we are going to need a lot of inventory on a regular basis. Please give me your thoughts?  HAPPY HOLIDAYS!!!!!

If you enjoy shopping, if you would enjoy visiting Ecuador, if you would like to help the hard working indigenous of Ecuador improve their lifestyles… consider the January 7 to 11 Ecuador Export tour.

These are the…

ecuador exports

people who profit along with…

ecuador exports

you… when you have fun shopping and exporting from…

ecuador exports

Ecuador.

Gary


Ecuador Shopping Tour


The No hassle, Have fun Holiday Ecuador Shopping Tour

ecuador-christmas-tour

Other ways of making/saving…Jean Marie Butterlin and Bonnie Keogh have teamed up to help you save on Ecuador shopping… and learn where the bargains are.

Bonnie Keogh explains when she writes:

Are you thinking, did I read that correctly, does that say “Have fun Holiday shopping tour”?  Yes, you read it correctly.   Yes, I’m talking about  Christmas shopping.  Yes, I know fun is not the word that usually comes to my mind when we think about Christmas shopping.

But wait a minute.  Let’s make it fun.  This year why not do your holiday shopping in Ecuador?

ecuador-christmas-tour

You’ll see wood and gold…

ecuador-christmas-tour

sculptures…

Bonnie continues:

“I’ve been traveling around Ecuador for many years; both on my own and leading groups.  I’ve discovered unique handcrafted items, many one of a kind.  During my travels, I’ve met many wonderful artists and business owners who are anxious to tell me about their products.

“Many are family businesses, skills have been passed from one generation to the next.   Customers are appreciated.  Prices are flat out bargains.  Isn’t this a better atmosphere to shop than the usual crowded, noisy mall with limited selection, expensive prices and merchandise that all looks the same and is poor quality.

“You could go to a department store and buy Grandma a lap blanket to keep her cozy.    It’s a thoughtful gift. It would probably be made in China.

“You’ll see hand made…

ecuador-christmas-tour

jewelry of…

ecuador-christmas-tour

every sort.

ecuador-christmas-tour

“Or, you could buy her an alpaca lap blanket with hand crocheted edging and fringe, you’ll have your choice of dozens of vibrant colors.

“You can’t believe how soft alpaca wool is until you feel it.  It’s also lightweight and oh so warm.  And have someone snap a photo of you at the market making your purchase, Grandma will love hearing about your trip and shopping adventures.  All of your gifts will be extra special and unique, only you will know what wonderful bargains they were.

“In fact, you can probably save enough money on your gifts to pay for your trip.

“The art is varied, plus really…

ecuador-christmas-tour

in expensive and…

ecuador-christmas-tour

you get to meet the artists.

ecuador-christmas-tour

“We will visit some of my favorite shops in addition to markets so you’ll be able to find something for everyone on your list.    And I might even throw in a home workshop or two from my Import/Export tour! There are so many opportunities.  We will be busy, but it will be fun.

“No hassles, no stress, no crowds.  No driving on slippery roads or laps around full parking lots looking for an empty spot. Wouldn’t it be nice to relax and enjoy the holidays this year, knowing you are prepared with great gifts for everyone?  And won’t you feel good about buying directly from folks who need and appreciate your business?

“This is one time when you can definitely mix business with pleasure.  The tour will start in Quito and end in Cotacachi.  You will spend one night at Land of the Sun Inn.  Your room and meals are not included in the tour.  Our rates are $59+ taxes and include a full served breakfast.  We will provide transportation back to Quito or you may choose to stay longer in Cotacachi.

ecuador-christmas-tour

These scarves make…

ecuador-christmas-tour

wonderful gifts for ladies of any age.

ecuador-christmas-tour

“They are inexpensive, easy to pack, lightweight and one size fits all.  You can choose from hundreds of beautiful colors and designs.  You won’t believe the prices, no, don’t ask, I won’t tell you!  Come see for yourself.

ecuador-christmas-tour

“Do you know someone who collects chickens or roosters?  I bet they don’t have one from Ecuador in their collection.

ecuador-christmas-tour

“These girls are sisters, they live near Otavalo.  Earning money is a family effort in Ecuador, one generation learns from another. The sisters sell scarves and dolls to our tour groups and sing songs in Quichua, their indigenous language.

ecuador-christmas-tour

“Wouldn’t you rather buy from her than a big, box store?

ecuador-christmas-tour

“A new leather belt is a great gift, for a guy or a gal.  Most of the belts made in this family workshop are under $10!  Great quality too.

“Let us do the driving and planning, you enjoy the scenery, people and bargains.  It’s a no hassle, have fun tour!

Bonnie Keough

ecuador-christmas-tour

Bonnie Keough after her latest shopping trip.

ecuador-christmas-tour

Colorful dough ornaments, each one  carefully handcrafted by the owner of this workshop are great package toppers and souvenirs from your trip and cost less than a dollar.

There are…

ecuador-christmas-tour

ponchos and…

ecuador-christmas-tour

much much more.  Oct. 26 and 27th!

Sign up to go shopping with Bonnie here.

Shopping Tour Single $299.

Shopping Tour couple $499.

Gary

As of August 1st, Jean Marie Butterlin and his company International Moryainternat S.A. acquired International Service center’s Ecuador tour business.

Jean Marie has studied with Gary & Merri Scott for over a decade when he began his natural health business in the USA,.

Jean Marie was born in France and after graduating in 1977 from the engineering college ICAM in Lille (France) moved to United States where he developed a homeopathic and dietary supplement business in Houston TX, with an aim at exporting the US made products  into Europe, with emphasis towards Belgium and France.

ecuador-shamanic-tours

Jean Marie Butterlin.

After living part time on both sides of the Atlantic he moved back  in 2002 to Europe where he has a prosperous business in the natural health field i.e. phytotherapy, mineral supplements, specialty cosmetics, as well as Quantum medical technology, internet publishing for the anti-aging market.

This quest for anti-aging remedies, products and techniques has lead him to discover Ecuador with its valleys of longevity, where he is researching and developing new approaches to live longer and better and bringing the new products and techniques to more and more people in the United States and Europe.

Jean Marie began working with the Scott’s one their tours several years ago and moved with his family to Cotacachi last year.

Jean Marie has added some new tours such as the Ecuador Holiday Shopping Tour and expanded the length of others, so watch for schedule updates.

How We Can Serve You

How to Have Real Safety in 2020

The most important investment you can make in 2020, is in yourself. 

Invest in more time.  Invest in less stress. Invest in greater security.That’s why four years ago we created the Purposeful Investing Course (PI) because when it comes to finances, there are only three reasons why we should invest.  We invest for income.  We invest to resell our investments for more than we had invested.  We invest to make our world a better place.

We should not invest for fun, excitement or to get rich quick, or in a panic due to market corrections.

The core model portfolio we teach in the PI Course rarely changes, but is highly diversified in thousands of shares around the world… so there is higher long term profits, less stress and greater safety.

The portfolio consists of 19 country ETFs.  During the four years since we created the Purposeful Investing Course and set up a $40,000 real time portfolio at Motif Brokers, we have held the same 19 shares and have only traded three times.

The portfolio started with $40,000 and has risen to $53,591 ($49,015 in shares and the balance in accumulated cash).

The portfolio did really well from 2015 to 2018, better than the DJI Index.  Then as the US dollar grew in strength it fell behind.

The chart below shows the actual results of thos portfolio compared with the S&P 500.

motif

 

This good value portfolio above is based entirely on good value financial information and mathematically based safety programs developed around investing models that date back 91 and 24 years.

The Pifolio is a theoretical portfolio of MSCI Country Benchmark Index ETFs that cover all the good value markets developed combining my 50 years of investing experience with study of the mathematical market value analysis of Keppler Asset Management.

In my opinion, Keppler is one of the best market statisticians in the world.  Numerous very large fund managers, such as State Street Global Advisers, use his analysis to manage over $2.5 billion of funds.

The Pifolio analysis begins with Keppler who continually researches international major stock markets and compares their value based on current book to price, cash flow to price, earnings to price, average dividend yield, return on equity and cash flow return.  He compares each major stock market’s history.

Fwd: keppler

Michael Kepler CEO Keppler Asset Management.

Michael is a brilliant mathematician.  We have tracked his analysis for over 20 years.   He continually researches international major stock markets and compares their value based on current book to price, cash flow to price, earnings to price, average dividend yield, return on equity and cash flow return.  He compares each stock market’s history.  From this, he develops his Good Value Stock Market Strategy and rates each market as a Buy, Neutral or Sell market.  His analysis is rational, mathematical and does not cause worry about short term ups and downs.  Keppler’s strategy is to diversify into an equally weighted portfolio of the MSCI Indices of each BUY market.

This is an easy, simple and effective approach to zeroing in on value because little time, management and guesswork is required.  You are investing in a diversified portfolio of good value indices.

A BUY rating for an index does NOT imply that any stock in that country is an attractive investment, so you do not have to spend hours of research aimed at picking specific shares.  It is not appropriate or enough to instruct a stockbroker to simply select stocks in the BUY rated countries.  Investing in the index is like investing in all the shares in the index.  You save time because all you have to do is invest in the ETF to gain the profit potential of the entire market.

To achieve this goal of diversification the Pifolio consists of Country Index ETFs.

Country Index ETFs are similar to an index mutual fund but are shares normally traded on a major stock exchange that tracks an index of shares in a specific country.  ETFs do not try to beat the index they represent.  The management is passive and tries to emulate the performance of the index.

A country ETF provides diversification into a basket of equities in the country covered.  The expense ratios for most ETFs are lower than those of the average mutual fund as well so such ETFs provide diversification and cost efficiency.

Here is the Pifolio I personally use.

70% is diversified into Keppler’s good value (BUY rated) developed markets: Australia, Austria, France, Canada, Germany, Hong Kong, Italy, Japan, Norway, Spain, Singapore and the United Kingdom.

30% of the Pifolio is invested in Keppler’s good value (BUY rated) emerging markets: Brazil, Chile, China, Colombia, the Czech Republic, South Korea, Malaysia and Taiwan.

The Pifolio consists of iShares ETFs that invested in each of the MSCI indicies of theseall good value BUY markets.

For example, the iShares MSCI Australia (symbol EWA) is a Country Index ETF that tracks the investment results the Morgan Stanley Capital Index MSCI Australia Index which is composed mainly of large cap and small cap stocks traded primarily on the Australian Stock Exchange mainly of companies in consumer staples, financials and materials. This ETF is non-diversified outside of Australia.

iShares is owned by Black Rock, Inc. the world’s largest asset manager with over $4 trillion in assets under management.

The fact that the Pifilios are invested in all the shares of the MSCI Index in each good value market reduces long term risk.

When the US stock market bull ends, know one knows for sure how long or how severe the correction will be.

When the bear arrives, what will happen to global and especially good value markets?

No  one knows the answer to this question.

What we do know is that the equally weighted, good value market Pifolios have the greatest potential long term and that math based trailing stops can be used to protect against a secular global stock market correction when it comes.

My fifty years of global investing experience helps take advantage of numerous long term cycles that are part of the universal math that affects all investments.

What you get 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 four 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 “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.

seminars

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

In 2020 I celebrate my 54th anniversary in the investing business and 52nd year 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.

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

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.

Gary