Tag Archive | "Singapore"

Don’t be Diller About the Dollar in May


See below how to access my free one hour conference call tonight:  “How to diversify out of the US dollar with Small-town USA real estate.”

May is a special month for celebrating freedom in living, health and wealth.   Yesterday’s message looked at lessons I learned and adventures that were started 48 years ago when I arrived in Hong Kong, May 2, 1968.   Let’s jump ahead three years and three days.

“A dollar – a dollar what makes you come so soon.  You used to come at 10 o clock.  Now you come at noon.”

The Yorkshire word diller refers to a boy who is dim-witted.  This rhyme is a moral lesson warning the importance of punctuality.   A valuable lesson I learned was to be punctual when diversifying out of the US dollar.

I learned this lesson on a trip to Singapore in May 1971, a date that began a new era for currencies.

I will never forget that May lesson because it was the day when the US dollar was unpegged from the Bretton Woods Agreement.   I recall it well.  I was in Singapore on May 5, 1971 with a seven day visa, to May 12, 1971.  You saw my first passport in yesterday’s message “Golden Freedom”.  I still have that passport though it expired long ago and on another page is a stamp for my entry into Singapore that day.

passport

(Click on image to enlarge.)

Little did I know that this was a week in May that would change the world.

I was staying at the Raffles Hotel.  This was a famous colonial institution, faded at the edges back then.  I loved the feeling of history and it offered a great outdoor restaurant just next to the Long Bar (home of the Singapore Sling).  There was something comfortable in the old fashioned pots of thick cut marmalade and slightly burnt toast that stood in racks of sterling silver.  This elegant setting and the quiet service was an easy, wonderful way to start the day.  I felt in place, relaxed and safe, part of an ancient tradition, the modern link in a rite that this hotel had offered for so many generations past.  I sat back feeling that all was well.  I felt in control and on top of that modern era.

That suddenly changed as I was about to learn a serious lesson about investing in currencies.

I opened the morning Straits Times and the headlines declared “U.S. Dollar Devalues”.

That comfortable era had just come to an end.  Currencies were in turmoil.

That day in May 1971, the US dollar devalued against the Singapore dollar.  This had been the era of the fixed US dollar before credit cards were in regular use.  We traveled with US dollars cash and American Express US  dollar traveller’s checks which were always as good or favored over local currencies.

Money changers would not take my greenbacks.  I had no Singapore dollars and couldn’t pay for my hotel.  I couldn’t even pay for breakfast and I was 12,000 miles from home. Was I ever scared!

By the end of the day, markets had settled and I could use my dollars again, but that short burst of fear taught me a lesson.

Since that day I have never trusted the US dollar or any other single currency.  This has reaped rich rewards.  Betting against the US dollar (as I have again and again over more than four decades) has been exactly the right thing to do.  As the charts below shows, the greenback has lost about 75% of its value against other major currencies.

The first thing that fear did was lead me to open a Swiss franc savings account.  The chart below shows what a wise move that was (in those days.)

long term dollar chart

US dollar fell versus the Swiss franc from 1971.  Click on charts to enlarge.

The dollar didn’t just drop against the franc.   The dollar, Japanese yen chart below shows the same trend.

long term dollar chart

The dollar fell again all major currencies for ten years.  Then it skyrocketed back for five years and then crashed again.

This is the value of experience as this lesson led me to profits now.  I became very excited last year because I saw the greenback strengthen against all major currencies in almost exactly the same way as it had in 1985.

This trend is so strong it almost guarantees a forex profit.  I believe so much in this opportunity that I wrote a report last year, entitled “Three Currency Patterns For 50% Profits or More.”

This report shows why the dollar will fall strongly again and where to diversify out of the US dollar.

That trend is now really taking hold as the charts below show.

Since January, all the major currencies began appreciating against the greenback. Here is a chart that shows the Swiss francs rise.

dollar chart

This second chart shows how the dollar has been falling against the Japanese yen since January.

dollar chart

The euro has been rising versus the dollar since January as well.

dollar chart

 

These trends start slowly and then usually accelerate so there is still time to diversify.  Don’t be a diller and be caught by a sudden dollar decline.  Learn from my experience in May 1971.  Diversify out of the US dollar… now.   Learn below one way to diversify into good value shares in seven major currencies now.

Today you can join in a one hour conference call with Jackie Lange’s Investment Group.  I’ll be speaking about an hour on “How to diversify out of the US dollar from Small-town USA”.

The call starts at 8 pm Easter Daylight Time.

Call 1-605-562-3140 and use the access code-120440.

Gary

The Ultimate Investing Secret

The ultimate investing secret is the simple fact that investment opportunities come and go in cycles.  

Because we have been watching the trends for decades, we spot many distortions  we saw decades ago as they create repeat opportunities.  For example, our 1986 report “The Silver Dip” showed readers how to turn $250 into over $45,000 in a year.   When we spotted the same repeat distortion in silver’s price in 2015, we issued our report “Silver Dip 2015”.   Those who acted on the report made as much as 200% in 2016.

There is another phenomenal distortion that has been building for a number of years.   Here is how I (and you can as well) am cashing in on this trend.

“If I Live Long Enough, I’ll really cash in next time”.    I made this promise to myself in the 1980s.   A remarkable set of economic circumstances helped anyone who spotted them become remarkably rich.  Some of my readers made enough to retire.  Others picked up 50% currency gains.  I invested as much as I could handle then as the profits rolled in for about 17 years.

Then the cycle ended.  Warren Buffet 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!

Now I see those circumstances headed our way again.

The Dow Jones Industrial recently soared past 20,000 and reached an all time high.   So why aren’t average investors all rich?   There are several answers.  First, even though the Dow has peaked, for the last 17 years the US stock market has been in a bear trend.  You’ll see why in a moment.  Another reason why the investors have not done so well is because of currency loss.

One final reason why profits have not been so good.  Someone, probably someone you trust, has been stealing from you.

One of the biggest obstacles in profiting from the upcoming circumstances has been and remains the financial system.  The reality is that banks and brokers have been structuring investments that are sure to lose.  They sell you on these investments and then another division of the very same bank (or broker) that recommended the investment, bets against you.   The bank knows that the investment is toxic.  To add insult to injury, many of these same institutions cheat you on the way in and the way out (when you buy and sell a share) of the bad investment.  Most brokers and bankers are interested in your money making them rich, not in helping increase your wealth.

Three Patterns Create 50% profits.

Despite the predators on Wall Street who are waiting to take big gouges out of your savings and wealth, equities are still the best place to invest for the long term.  This chart from the 24 page Keppler Asset Management Asset Allocation Review shows that over the past 80+ years equities have dramatically outperformed other types of investments.

keppler

Click on image to enlarge.

Good investments require a relentless search for value.   Your investments have to be good enough to reap an outstanding profit even after the parasites siphon off their part.

To take advantage of the once every 17 year circumstances, I chose to track Keppler Asset Management who continually researches developed and emerging markets globally.  Keppler is one of the best market statisticians in the world and numerous very large fund managers use his analysis to manage funds such as State Street Global Advisors.  Keppler compares the value of each share in each market based on current book to price, cash flow to price, earnings to price, average dividend yield, return on equity and cash flow return.  From this study of monumental amounts of data Keppler develops a Good Value Stock Market Strategies.  The analysis is based on long term, rational, mathematical facts and does not worry about short term ups and downs.

From Keppler I learned that market timing is not the way to get these high profits.  Another graphic from the Keppler Asset Allocation Review explains why.

keppler

Click on image to enlarge.

A dollar invested 88 years ago in Treasury bills rose to $20.58.  The same dollar invested in U.S. stocks over the 88 years grew to be was worth $4,677, UNLESS you missed the best 43 months.  Literally all of the the Dow’s growth in 1,056 months came in 43 of those months.   Your odds have been one in 24, better than roulette perhaps, but not good enough.  Plus even after these odds, the predators are going to take their cut.  You have to ask, “Am I that good at timing?”

The better alternative to timing is to invest in long term indexing based on value.  Long term strategic investing in market indices reduces the amount of trading.  Low trading activity is important because trades are where investors are most vulnerable to predatory tactics.

A part of the long term strategic trading is to invest in low fee diversified Country Index ETFs.  This simplifies the search for value because it focuses research into lumps.

A comparison of US versus German stock market indexes gives an example of lump research and you can create good value, low cost, diversified portfolios that offer maximum potential for profit as they reduce risk.

Keppler’s research shows that Germany’s stock market is a good value market.  Keppler lumps all the shares (or at least 85% of the shares) into the calculations.  There is no attempt to select any one specific share.  Keppler’s research shows that the US stock market index (a lump of about 85% of all the US shares) is now a poor value.

Germany has the world’s fourth largest economy.  The country is the third largest exporter in the world and has recorded some of the highest trade surplus in the world making it the biggest capital exporter globally.  Yet German shares have been overlooked.  German share prices are good value.

For example, recently the German Stock Market had a relative price to book value ratio of  .78,  a relative price earnings ratio of  0.87 and a relative dividend yield of 1.12.  The US Stock Market has a much higher relative price to book value ratio of 1.29, a relative price earnings ratio of 1.07 and a relative dividend yield of 0.81.  German shares cost much less, compared to the values and earnings.  German shares pay much higher dividends as well.

Keppler predicts that the US Stock Market (which is ranked as a sell market by Keppler) will have an annual index gain for the next five years of  3.1% and a total return (with dividends) or a total five year return of 21.7%.  The same calculations for the German Market predicts an average annual index gain over the next five years of 7.5% and a total return (with dividends) or a total five year return of 47.3%.

Which would you rather buy,  a 47.3% return sold for 78 cents on the dollar or a 21.7% return sold for $1.29 on the dollar?

You can forget about any specific share in the US or Germany and invest into an index (in this case the Morgan Stanley Capital Index) which represents about 85% of all the shares traded on the exchange.

You can invest in ETFs that passively invest in all the shares of the index in stock markets that offer good value.  iShares investment company for example has  an ETF that invests in 85% of the shares traded on Wall Street.

ishres

This ETF is called the iShares USA (symbol EUSA) and in this example rose from $22.91 to $43.40 or 89% in the past five years.

iShares also offers an ETF that invests in about 85% of the stocks listed on the German Stock Exchange (Symbol EWG).  EWG rose  from $19.70 to $28.13  or 42% in the past five years.

ishares

Keppler’s lump research shows that Germany is a good value market.   One simple (even very small) investment in iShares Germany MSCI Index ETF gives you a portfolio  of almost all the shares traded on Germany’s largest stock exchange in Frankfurt.  This ETF is a share traded on the New York Stock Exchange.  The ETF invests in 85% of the shares in Germany.  This ETF is a passive fund that does not try to outperform the growth of the German Stock Market.  The managers simply track the investment results of the MSCI Germany Index.  The MSCI Germany Index is designed to measure the performance of the large and mid cap segments of the German Index which is composed of the stocks of 54 different German companies and covers about 85% of all the German equities.  Germany’s ten largest companies compose about 60% of the index.  These ten companies are:  BAYER (Health Care) composes 9.91% of the index – SIEMENS (Industrials) 7.89% – DAIMLER (Consumer Discretionary) 7.04% – BASF (Materials)  6.81% – ALLIANZ (Financials) 6.65% – SAP STAMM (Info Tech) 5.69% – DEUTSCHE TELEKOM (Telecom Srvcs) 4.46% – DEUTSCHE BANK NAMEN  (Financials) 3.66%  – VOLKSWAGEN VORZUG (Consumer Discretionary) 3.18% – BMW STAM (Consumer Discretionary)  3.15%.

You lump your research.  You lump your investment.  This makes it easy to capture the powerful economic circumstances that are unfolding now.

Just investing in Germany is not enough.  There are currently ten good value developed markets, Australia, Austria, France, Germany, Hong Kong, Italy, Japan, Norway, Singapore and the United Kingdom.   Plus there are 11 good value emerging markets.  With even a couple of thousand dollars you can easily create a diversified portfolio in each or all of these countries with Country Index ETFs.

Investing in many stock markets through ETFs gives you opportunity in the second pattern of the falling US dollar.  Preserving the purchasing power of your savings and wealth requires currency diversification.

The strength of the US dollar over recent years is a second remarkable similarity to 30 years ago.   In 1980, 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 has been growing, is seriously overdue and could create up to 50% extra profit if you start using strong dollars to accumulate good value stock market ETFs in other currencies.

For example because of fears about the euro, EWG, the German ETF dropped 9 percent in 12 months.  These declines are created by currency concerns.  When the euro regains strength, the shares have the potential to appreciate even more.

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 includes links to 153 pages of Keppler Asset Stock Market and Asset Allocation Analysis so you can keep this as simple or as complex as you desire.

The report shows 22 good value investments and a really powerful tactic to use that allows you to accumulate these bargains now even in very small amounts (even $5,000).  There is extra profit potential of at least 50% so the report is worth a lot.

Research shows that most people worry about having enough money if they live long enough.   I never thought of that.   I just wanted to live long enough to see the remarkable economic opportunity that started in 1980 come again so I could hot the jackpot.  This powerful profit wave has begun.  I have made the investment myself  suggest you investigate this in my report “Three Currency Patterns For 50% Profits or More.”

Order the report here $29.95

My Guarantee

Order now and I’ll email the online report “Three Currency Patterns For 50% Profits or More” in a .pdf  file right away. 

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 purposeful investing.  If you are not totally happy, simply let me know within 60 days and I’ll refund your subscription fee in full, no questions asked.

You can keep “Three Currency Patterns for 50% Profits or More”  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.

Order the report here $29.95

I look forward to the next 17 years and sharing how to have more than enough money for the rest of your life.

Gary

 

 

Wisdom of the Masses Q & A Oct. 9 2010


Wisdom of the Masses: Q & A & Comments.

shop-local-photo

Photo from ShopLocal.com who use wisdom of the crowds and says: Another name for Wisdom of the Crowds would be crowdsourcing. Basically, ShopLocal “listens” to every visitor on every site all day long, and a result ShopLocal has a really great understanding of what users find interesting (or not) and thus can truly say what is popular.

This Q & A sessions looks at:

#1: Singapore Real Estate and diversification.

#2: Ecuador political comments.

#3: Is gold a good buy?

#4: Can Ecuador shamans break the smoking habit?

#5: Questions about commodity trading programs?

#6: Can I raise money for US real estate abroad?

A reader asked this Singapore question after our message Global Investment Income where I wrote:

“One of the high yielding shares shares I like philosophically is the Suntec REIT in Singapore.

“Real estate makes a lot of sense to me now. Real estate prices have been crashing and creating some great values.  Asian real estate makes a lot of sense and Singapore is one of the most trustworthy places to invest in Asia.

“Suntec Real Estate Investment Trust (SUN SP) is one of two Singapore-traded REITs controlled by Hong Kong billionaire Li Ka-shing. Li used to be a neighbor long ago when I lived in Hong Kong and is very shrewd, needless to say.

singapore-casino

New Singapore Casino.

“Singapore has allowed two casinos to open.  I am sad to see this as Singapore used to have strict attitudes about gambling and casinos.  Lee Kuan Yew once said there would never be a casino in Singapore but these are two lavish locations opened in 2010, that will attract tourists and gamblers. Suntec’s main property is next door.

“With just two casinos Singapore has already become a rival to Las Vegas.

“Suntec REIT’s has office and retail property next to the new casinos.  Suntecs office portfolio has 97.6% occupancy while the retail portfolio has 98.7% occupancy.

“Asia has great potential and the Singapore dollar has excellent underpinnings.

“Phillip Securities Research meanwhile is holding its forecasts and projections and maintains the Hold recommendation with fair value of $1.34. “We think management has done a good job in maintaining occupancy for the retail portfolio and improving the occupancy for the office portfolio. Note that office portfolio occupancy improved from 94.8% in 2Q09. Although reversionary rents probably softened in the wake of this, nonetheless leases were secured and mitigated the risk of tenants migration.”

“The good thing about REITs is their stable dividends,” this time when bank deposits have very low interest.  Individual investors pay zero tax on the distributions, regardless of their nationality.

“Singapore-listed REITs are required to distribute at least 90% of their taxable income to unitholders, which makes them more attractive to those seeking dividends.

“Suntec REIT ticker symbol of (SUN.Singapore), owns premium retail and office properties in Singapore next to new casinos. The company has paid uninterrupted dividends every quarter since it went public in 2007.

The reader asked: Do you mean you might go now to Singapore, where the country is quite different? Do you mean Ecuador might not be the same after this turmoil?

My Reply: This is a suggestion of  an investment in a share that provides diversification into Asia and the opportunity for income.  This has nothing to do with living, moving or even visiting Singapore. I have no plans for this.  I worked in Singapore for years many decades ago and have no interest except for passive investments.  The turmoil in Ecuador seemed to last one day, affected very few people and may in numerous ways been good for Ecuador.

#2:  Here are comments from more readers in Ecuador.

One wrote: You might like to remind readers that there are many more ambulances on the road compared to 10-12 years ago and that the police are paid better than ever before and that more of them are in paid employment which means more taxes are paid so more people for the infrastructure of Ecuador can be paid which will benefit everyone in the long run.  Also the fact that also many Ecuadorians are still don’t trust the police because there are still a few corrupt police that insist on bribes before the take any action and so these people don’t know which police to trust and end up not trusting any of them. We have had first hand experience with people we have met in this instance. Also you might like to remind our readers that many Ecuadorians think that the former president Lucio Guiterrez was behind this trouble and that he is known for this type of action. Bitter because he was proved to be corrupt perhaps? Anyway Correa might be a hothead but as a father and husband would most likely not put his or his family’s lives in danger for political gain.

Reader Comment about WSJ article on Ecuador:

Hi Gary,  Thanks for the update on Correa and the Wall Street Journal article. However I would remind you. The Wall Street Journal is owned by Rupert Murdoch. Very sadly it has become nothing but a right wing rag. I suspect there is more then a little right wing bias in this article.

My reply: The article seemed to present a view I heard from many others in Ecuador. I think the right wing is anti Correa who is mostly criticized as being left wing.

Another said: Why would any liberty lover, free enterprise person move to Ecuador?  It is even more socialistic then the USA.

My reply: One could argue for a long time about which country is more socialistic…. but who cares which wing is causing the country to fly. The important point is how effective is the government in its interface with any particular portion of the public.  Expat residents seem to be almost totally left alone.

Take income tax as an example. I was talking with an Ecuador attorney we send many of our Ecuador readers to for visa and tax advice.  He has not yet had a client who has had to pay Ecuador income tax.   He stated “it would be hard for an expat to pay Ecuador tax even if he wanted to unless someone in Ecuador is paying him a salary in Ecuador or  he or she is invoicing Ecuadorians for Ecuador services.  Living tax free anywhere does not seem socialistic to me.

Another wrote: It was nice to see my note in support of the President posted today, but I would like to state that anything written by Mary Anastasia O’Grady (opinion file of the Wall Street Journal) is a distortion of the truth.  Again and again she has written in oposition of President Correa and anyone who is not to the extreme right or to her way of thinking.  O´Grady persists in using politically charged language to amplify her misguided views and lack of understanding of events.

As a registered Republican I am anything but leftest, but there are times in which an adjustment must be made in order to correct the wrongs of generations of “Patrons” and Colonialism.  The meeting of all the delegates of South American, as well as calls from Sec. of State Hillary Clinton, last Friday voiced support of this Government and of President Correa and clearly described this action of the 30th of September as an attempted coup . I think the attached photo of President Correa and Hillary Clinton demonstrate that relations with the West and Ecuador have warmed up.  I was going to send you a copy of the the projects that the government have designated to be funded, but as a PDF file it was too heavy to send.  At present companies from the United States and around the world are investing or looking to invest in some of these projects.

As a loyal American Veteran living in Ecuador, I too wish to live secure and in peace, but to do so one must have justice and provide the opportunity for the wealthest and the poorest members of society to succeed.  In order for this beautiful country or any country to develop they must address 3 things.  Infrastructure, Education and Health.  As I see it, this is the goals of this government of “Correa”.
Thank you for taking the time to hear my views.

And another:

Too bad you didn’t get more than two person’s opinions (attorney’s, one patient’s) on what happened last weekend. There are reporters that have dug deep and found a bit different story on this. (Amy Goodman, for instance)

My girlfriend actually works in the police hospital where Correa was brought to, and also will refute a few details that you take for fact. The hospital is THE main police hospital and was controlled by the police, Correa was basically stuck at the hospital while police prevented him from leaving; it took overpowering military to extract him safely. It might warrant a closer look at what the Ecuadorean Congress actually passed in the law changes – it was a much better deal that the right-wing propaganda story that was blown out of proportion and led to the police uprising. The propaganda is so far reaching that even my girlfriend was starting to believe it.

My reply: I guess the reader did not read the other 20+ comments from readers in Ecuador.

Another reader asked about headlines at an Invest in Gold website:

Gary do you think this guy is accurate?  The headlines say:

“Gold and Silver Are Sounding The Alarm Description:The currency crisis is almost here.”

My reply: Gold is insurance. I had gold before it rose and still have the same amount as I do not speculate in gold.  Long term studies of gold and other commodities show they are the best investment during times of high inflation.  This suggests that the high gold price has been created by:

A: Low return on other investments.

B: Pent up demand as gold was depressed for about 20 years.

C: Speculation and early anticipation of inflation.

The argument for near term inflation is far from won.  The western industrialized could see an extended period of deflation.  This suggests that gold is a highly speculative investment at this time with great risk of a drop in price.

Currency crisis?  What crisis. the falling US dollar has brought great profits this year for all the readers who have read the numerous message at our site this year recommending to borrow dollars and invest in other higher paying currencies.

A reader wrote:

I wonder if you are contemplating a “stop-smoking” trips using shamanic techniques….and magic

if those shamans can heal  from the dependencies of Nicotine……it’s big.

I think it will have a wider appeal and given the new environment and fresh air -it can be a success, I will  be your first client. Bless

My reply.  The Ecuador shamanic tours are about nothing. See more about this at Shaman tours.

Many shamans help overcome addictions but normally they’ll look beyond the symptom and go for the cure. They would not work on stopping smoking.  They would look at why one smokes. This takes time to observe the lifestyle and would not be conducive to a tour.  However I recommend you join a tour and do not discount spontaneous remission.  I stopped smoking overnight 27 years ago after being a three pack a day guy since age 16.  I was not even trying to quit and cannot tell you why I did expect I had a change of pace. Perhaps a shamanic tour would be the change of pace for you though it is not specifically about kicking the cigs.

A reader asked about a commodity trading program:

I just evaluated a new Forex trading software that one of my associates has financed and that he had developed. I have traded in the past in the Forex market at a time when the “expert advisers” (that is the name of those software that trade for you automatically in the forex market) did not exist and I know how difficult it is to make money in that field. I have been evaluating this software for some time, have seen some of the track record and have decided to open an account.   I do not know if it is just pure luck but I invested just 9500 Euros on Sept. 14 and I am up 14% so far ; it did trade 17 times and had 14 wins and 3 losses.  My associate, who has tested the software earlier, has a longer track record, that matches this type of return.

I have to admit that I am very puzzled……it seems to good to be true…..but the chart does not lie; yes I admit also that in the past few weeks we had a lot of currency movements which of course help.

This program uses stop losses.  It does not ride the winners; it takes profit when the target is met. Once it has taken profit and conditions are still there, it will re-enter the trade for the next step.

Because you have a vast and long experience in the financial field, I wanted to talk about that when we meet next week, but also wanted you to look over that before we meet and get your gut feeling; I have no money invested in the software itself; I am just using it for now to test it.

Your thoughts will be appreciated because you are the only person I know who has the knowledge and intuition to give me advice on that.

My reply: There are three lessons I have learned from 42 years of observing commodity and currency trading and why I avoid it totally.

#1: This is a zero sum game. There is always one winner and one loser.  This is Jyske trading room where  was after the seminar. I know the head of Jyske’s trading operation well… Ivan Hansen… a genius.  He has over 100 people…. traders, analysts and programmers and billions in capital trading 24 hours a day 7 days a week. They turn over 50 billion dollars a day.

gary-scott-photo

I am going to compete against that? See how I explain this in a video on Jyske TV.

jyske-trading-room

#2: The programs are always evolving.  Every program seems to have its day then the market adapts and it no longer works. I lost a lot of money when a very bright trader had a system that worked perfectly for several years. I and many of my readers jumped in.  We made some nice returns… nearly 100% in two years. Then we lost it all when it stopped working.

#3: Clients cannot handle the ups and downs. A small portion of one’s portfolio should indeed be in forex and or commodity trading, but its best pooled trading accounts where capital is sufficient to even out the bumps.  This reduces profit when right but also lowers losses when wrong.  I never write about this type of program for my readers because if it works well for awhile too many readers will abandon the broader good sense tenants of financial diversification. They do exactly the wrong then when the investment goes up and ditto when it goes down.

I have heard so many stories similar to this one so many times over so many years that I have come to recognize that I do not have the skills to understand them well enough to see their strengths and weaknesses.  This is why I do not trade or use such programs.  What I have seen is that the beginning of the story always begins in a similar upbeat way and the end every time has been a story of loss.

Final Question: Hi Gary.  I Look forward to reading some of your articles and papers.

I operate a distressed asset fund (real estate and whole loans) and have successfully completed many projects in the past 2 years.  I would like to raise additional capital to further add to the existing and prior success.

I am intrigued with the notion of borrowing capital from Japan and investing it in US foreclosures, REO’s and then fix/flip for yield and profit.

Am I being naive to think that this is feasible (borrowing capital from Japan and investing here in the US)?  Regards.

My reply: This is not naive… but also not easy.  I am putting together a course on how to raise funds abroad. One lesson shows how after the 1980s recession we helped a developer raise money abroad. I will announce the course soon.

Gary

Join Merri and me at our next course in Florida November 4 to 7,2010.  Here are details.

Learn Spanish in Three Days

Learn Spanish in Three Days ONLINE

The “Learn Spanish in Three Day Course” is now available online.

Learn Spanish in a day, or a week, month or any time frame that works for you.

I’m Gary Scott.  Over fifty years ago I started a business that has helped hundreds of thousands of subscribers learn about investing in Hong Kong (1960s and 1970s), Switzerland, London, Isle of Man (1970s and 1980s) and across Europe.  In the 1990s we took investors to Panama, Mexico and Ecuador.  That’s when we realized an incredible need for an easy way to learn Spanish.

See below how my wife Merri was able to create a program that allowed students to be speaking and understanding Spanish in just three days.

Thousands of subscribers have learned Spanish at our three day Super Spanish course.  These courses have been taught across the US, in Canada, Panama, Mexico, Ecuador, Uruguay and Spain.

spanish

A Super Spanish course in Florida.

Read below to see how and why we are now offering our Super Spanish course ONLINE for the first time.

Speaking Spanish as a second language has huge benefits.

You can become one of the rare North Americans who can get along in Spanish speaking countries.  You can be one of the special people who can communicate with 10 million non-English speakers in the USA.  Spanish is the second most used language in the USA.  There are more Spanish speakers than speakers of Chinese, French, German, Italian, Hawaiian, and the Native American languages combined.  According to the Census Bureau, Spanish is the primary language of nearly 50 million people in the US.  This is the largest Spanish-speaking community outside of Mexico. Only half of these speakers also speak English “very well,” and 19% do not speak English at all.

You become one of a leading few when you speak Spanish.  Yet there are more benefits.

An article in England’s leading newspaper, the Telegraph, entitled “Why learn a foreign language? Benefits of bilingualism” (1) sum up the biggest benefit of learning a second language and increased intelligence.  The article says (bolds are mine): “Learning a foreign language is more than just a boost to your CV or handy for traveling. 

It will make you smarter, more decisive and even better at English. 

Physiological studies have found that speaking two or more languages is a great asset to the cognitive process.  The brains of bilingual people operate differently than single language speakers, and these differences offer several mental benefits.”

The article then explains studies that show seven cognitive advantages gained from learning a foreign language.

#1:  You become smarter
#2:  You build multitasking skills
#3:  You stave off Alzheimer’s and dementia
#4:  Your memory improves
#5:  You become more perceptive
#6:  Your decision-making skills improve
#7:  You improve your English

Does it sound impossible to learn Spanish in three days?  Yes, it is impossible when you try to learn Spanish in the old, traditional way.

You may choose to take more time using the ONLINE course to learn Spanish, but thousands of our readers have learned to speak Spanish in only three days at our Spanish courses.

There is a scientific method of learning… proven and described in numerous best selling books that create educational jumps by making education natural, easy and fun.   This course works because it is education without stress!

A special method of learning (called Super Learning) was created and refined by the Bulgarian educational master, Georgi Lozanov.   Lozanov transformed the entire Soviet educational system to such a degree that this third world country beat the USA into space.

My wife Merri was lucky to be one of a handful of students outside of Bulgaria who were allowed to be taught this system in the early 1970s.  She practiced this unique and remarkable form of education for  four decades. It was a delight!

Merri and I began integrating these techniques with other shamanic and educational tactics we had gained in our global travels and then applied them to teach Spanish in three days.

The course has been proven again and again by the thousands who have used this system.  You can read a few of the many raves we have received from students who have learned from the Super Thinking Spanish course we created.

Here are a few quotes from delegates of the course.

One delegate from St. Louis wrote:  Hi Gary,  Just ended forty-five years in dentistry last week, and I’m on to a new career.  What is my new career?  Still formulating, but the eye -opening,mind expanding Super-Spanish course last weekend in St. Louis surely shows me the opportunity exists to expand my horizons.

Besides having a lot of nice people to learn our new language; the methods Merri and you developed proved to be just what you said they would be.  We all and I in particular relaxed our way to new learning.  I feel so very comfortable with the basis of my new language skills that I know I will be spitting out great Spanish sentences by the time I reach Ecuador in October.  Last year I spent six weeks in Ecuador and now I plan on conversing with the people.

Today’s excerpt of your newsletter really hit home. You do what you say you will. There are no surprises or hidden sales tricks. The only tricks are beneficial to our learning.  Thank you for a wonderful experience that I was quite unable to grasp how you would pull it off.  You did, however, and I look forward to other courses that you offer, and I have absolutely no doubt they also will work beneficially.  Best regards, Denis Molloy.

Another wrote about the Super Spanish course:   Buenos Dias, here is a testimonial for Super Thinking-Super Spanish.  Please feel free to use all or part in promotions for the course.  In addition, you may give my email address to any prospect “on the fence” about enrolling.  Yesterday, in Cotacachi, Ecuador, I finished Super Spanish.  I had high expectations for the course and they were exceeded.

After three days, I can speak Spanish in complete sentences. In simple conversations, such as buying groceries or ordering a meal, I can make myself understood. I think that’s incredible!

Although I am far from the competence level of a native speaker, I feel I’ve taken a giant step forward in learning Spanish so that I can experience the people and culture of Ecuador.  The foregoing benefits would have more than justified the time and money I invested in Super Spanish.  And learning some Spanish was not the most important benefit I got from the course.

Prior to leaving the USA, I had felt for some time that the pace of life there was unhealthy for me (and for most people) and I did nothing about it.

I’ve thought about the pace issue during the course.  One of the key elements Merri Scott designed into Super Spanish is placing the student in the optimal state for learning.  In class, the past three days, I’ve been re-introduced to guided journeys and introduced to the calming effects of Baroque music (www.sundaybaroque.org).  What a blessing! I’m inclined to make one or both a daily part of my life.   Rob Christi.  Cotacachi, Ecuador

Another attendee from a course wrote:   “I took this incredible class a few weeks ago, and I would like to tell anyone that is interested, that it is an amazing three days of learning with lots of laughs included. You leave everyday wanting to learn more and are so excited to do so.

“Other Spanish classes and tutoring made us feel like it would take forever to get to the point where we could put it into practice, but this method gave us a more fluent use for everyday life almost immediately AND the confidence to use it.  It is a fantastic way to show people how much they know and give confidence to learn and use Spanish creating a momentum.

“They made learning Spanish easy and fun in a very relaxed, comfortable atmosphere.  I would definitely recommend this course.  Even if you know some Spanish, this helps make it easier because of the less stress that no verb conjugations gives you.  This gives you more confidence in yourself to try and speak it more.

 “The stress free atmosphere and tons of interaction and participation were very conducive to learning.  The relaxation techniques alone are worth the price.  The fact that I can now feel more comfortable conversing in Spanish with my new friends and neighbors is priceless.  Muchas, muchas gracias.”

“I loved the relaxed environment.  I picked up quite a lot of new vocabulary.  I found this course very informative about how the language works, how I can make sentences and understand others better!  Muchas Gracias!  I had a call from Telcel (the local phone company) after our second class and I was able to speak and understand them for the first time. Despacio (meaning slowly) … a great word!  Everyone should take this course before they pick up bad habits.”

“I liked how simply the course was organized and the positive attitude about learning.  Thank you so much for helping me to learn Spanish!”

“I liked the laid back yet professional approach.  I highly recommend this new, relaxing method of learning Spanish,  I feel a lot more confident in the delivery of my words and sentences. It was taught in an excellent and very professional way.

“It was a very enjoyable class.”

How The Course Works

The first tactic is to use Baroque music to create Relaxed Concentration in the learning process.  At least three best selling books, “Superlearning”, the “Mozart Effect” and “Superlearning 2000” have revealed insights about how to learn and think more powerfully based on systems drawn from the Bulgarian educational master, Dr. Georgi Lozanov.  

Merri was among just a few who learned directly from Lozanov.

gary scott super thinking session

Super Spanish relaxed concentration session.

You gain six valuable ONLINE Relaxed Concentration sessions in the online course that is delivered via the internet.

The second tactic uses 17 unique lessons to provide Spanish fluency in a short time.   Let me prove to you how this tactic works by teaching you hundreds of Spanish words in less than 30 seconds.

Here is the proof.

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

There you have it.  How long did it take you to read the sentence?  You now know hundreds of Spanish words that you will never forget.

See examples of the words you already know below.

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

This is just one of seventeen Spanish lessons in the course.

The next lesson teaches how to pronounce each of the nouns.

Then, the third lesson teaches almost as many verbs, almost as quickly.

The fourth lesson shows how to avoid conjugating verbs by sticking with the infinitive (far easier than it sounds).  This simple lesson leaves a person sounding like a Spanish professor without ever conjugating a verb.

Lesson five shows how to sound infinitely polite and yet get almost anything desired in Spanish.

Lesson six gives valuable connectors and the seventh lesson triples the Spanish capacity with three words for “yesterday,” “now” and “tomorrow”.

By the end of three days you feel comfortable speaking Spanish.

Plus the system is Impro-Dynamic.  This means your Spanish keeps getting better even though you do not seem to be studying… practicing… or speaking Spanish.

I was amazed by this as I traveled back and forth from the USA to Ecuador.  The longer I was away from Ecuador… the better my Spanish became.  My second language was automatically improving The self improving feature comes because you learn to create Spanish sentences rather than remember them.  The portion of the brain that creates is more powerful than the portion that recalls.  When your mind creates something… it owns it!  You do not have to remember .

During the course you learn 4005 Spanish words that you already know.   This eliminates the need to memorize 99% of Spanish words.

You then learn how to create Spanish sentences from these words.

Throughout the course you learn how to pronounce the sentences you create.

When the course ends… the mind keeps working… and creating… so next time you begin to speak Spanish you’ll be surprised .  You improve even though you have not actively worked on your lingual skill.

Due to the difficulty of getting groups together to learn this valuable technique, we created an online program for subscribers to use the Super Spanish course at home.   The normal three day course fee is $499 ($749 for a couple).

The ONLINE course is available at the highly reduced price of $79.

I’ll be in touch personally via email with each person who signs up for this course to see how it works or what is required to make it better.  Once this test is complete, we plan to offer the program on a larger scale and at a much higher price.

The ONLINE course has our, full satisfaction or money back, guarantee.  Try Super Spanish for 60 days.  If not fully satisfied, simply let us know for a full refund.

Learn Spanish online $79 - using coupon code SPANISH70 at checkout to immediately save $70 off the regular price of $149.

Here are more testimonials from previous Super Spanish Courses.

Maggie wrote: It didn’t really seem possible that we would be speaking and understanding Spanish in only 3 days but the course made it happen in a very supportive learning environment.  I would highly recommend this course for anyone wishing to learn “practical Spanish”.  The teaching methods, use of relaxation, the use of native Spanish speakers for pronunciation and the teachers themselves who were approachable and helpful and always positive made this a very valuable class.

This course improved my self confidence in my ability to learn and retain a language.  It was presented with genuine enthusiasm, great energy and the style of learning is very effective. Gracias!  It was a great experience.

Nadine wrote: “Just spent the last 3 days in the most wonderful learning environment learning Spanish.  What an amazing learning experience!!  First day out of class and I could not stop thinking in Spanish WOW!!  I am amazed by how much I learned, retained and how much more is showing up now that I am out of class.  And the best part is THERE WAS NO STUDYING!! Indeed this is Super Thinking!!!  I would highly recommend this to anyone that has ever had a desire to learn another language or learn anything in record time.

And a few days after that ….  As I went through my day, just hanging out with my son, I could see myself starting to think in Spanish.  At first I thought it was amusing but as it continued and increased I thought “My goodness this is really remarkable amazing” It was really an effortless unfolding.  I wasn’t at any point “trying” to think in Spanish, just words I knew would fly across the screen in my mind.  And then this afternoon, my son cuddled up on the couch to watch some cartoons on his ipad and was watching Peppa Pig in Spanish…hmm coincidence?  I think not, I’m radiating Spanish so much that my son is being influenced!  Thanks a million again.  This weekend the best learning experience of my life!!

If you have ever had a desire to learn Spanish this is the way to do it!  By the end of the first day I had more confidence and more practical ability than I had from any previous courses I had taken.  It was fun and relaxed and full of laughter.  You will leave this class excited to use what you have learned.  Rather than leaving overwhelmed with how much you have yet to learn and master, you are equipped with the knowledge and know how to go out and communicate as well as the excitement to do it!”

Gary noted:  “The whole approach is positive and conducive to learning at a level that benefits ALL participants.  It is not intimidating and does not set up a pass/fail atmosphere.  The presenters are terrific and the results unbelievable.  It was relaxed, informal, friendly and effective.”

Twila said:  “This class provided a very refreshing and relaxed way of learning.  The atmosphere felt very safe to say the words you were practicing.  I learned a lot in a way that will make it easy to apply.  Starting with conversation is way more fun.  How quickly you can learn!  It was a great group, great instructors and great stories.

The atmosphere in the classroom was so relaxed that learning Spanish felt like a breeze and not like a painful task.  The relaxation exercises are really conducive to language learning.  We learned A LOT in a short time and it was fun and the environment was non-threatening.”

Brigitte sent this:  “Buenos Dias, Suzanne. su clase de espanol es excelente! Muchas Gracias!  
I have already done what you suggested and went into the program listening to the music and going over the lessons.  I know: Repetition……reinforcement…..thinking in the new language….it’s all part of it.  I loved your course and will certainly recommend it to friends.  Who knows….I might feel the urge and have the opportunity to repeat it at your beautiful place in Puerto Aventuras…..Quien sabe? Hasta otro dia y saludos a su familia.”

Marie wrote:  “I would highly recommend this course.  The amount covered in 3 days is amazing!  All with no stress.  The correlation lessons and pronunciation practice has greatly reduced my anxiety to go out and use my Spanish.  I really enjoyed the whole process and thank you for the take away tools.”

Learn Spanish online $79 - using coupon code SPANISH70 at checkout to immediately save $70 off the regular price of $149.

Here is the English translation of a few of the many Spanish words you now know and will never forget.  How long would it have taken you to memorize them?  How soon would you forget?

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

Some more of these words:  Combination, Attrition, Education, Vacation, Petition, Lotion, Motion, Construction, Abduction, Pronunciation, Concentration and a ton of others!

Learn Young or Old

Most Super Spanish students are all ages ,

Gary-scott-spanish-course

Super Spanish students at this course ranged from nine to over eighty years old.

Become a Spanish translator!

The wife of one couple who attended explained how after just three days her husband ended up as an accidental translator.

She wrote:  Gary,  I have sent Merri a couple of messages, and  a story of Mike being able to translate yesterday for a Spanish person  who couldn’t understand what a man was trying to tell him!

Does it sound impossible to learn Spanish in three days?  Yes, it is impossible when you try to learn Spanish in the old, traditional way.

The video below shows a super fast way to gain the basics so you can communicate in Spanish in just three days.

Gary-scott-super-spanish

Click here for FREE Super Spanish video.

Still can’t believe you can learn Spanish in a short time?

You have nothing to lose but to try.

The ONLINE Super Spanish course has our, full satisfaction or money back, guarantee. 

Try Super Spanish for 60 days.  If not fully satisfied, simply let us know for a full refund.

Learn Spanish online $79 - using coupon code SPANISH70 at checkout to immediately save $70 off the regular price of $149.

(1) www.telegraph.co.uk Benefits-of-bilingualism.html


See shopblog.com

International Investment Gains


Our latest International Investment & Business Seminar here in Ashe County,  North Carolina  looked at International Investment gains that were up 14% in the first six months of this year.

When these seminars begin… there is always a hint of excitement.   Thomas Fisher has flown in from Denmark. Our webmaster, David Cross, has arrived from Oregon and delegates have come from all over the world.

We’ll look at some of the international investments we view (including Ecuador opportunity) but let’s also allow some of the delegates to tell you how they felt about this seminar.

One delegate wrote:

Hi Gary, Merri and David,  Thanks for a great weekend.  As a new club member, I’m looking forward to the next time that we can spend some time together and to reading “Ecuador Living”.  Sincerely,

When our North Carolina international investing and business seminars begin, I rise at dawn on the farm and then…

international-investment-seminar

we drive into West Jefferson where we conduct the seminar.

We are casual at our international investment seminars but serious.

international-investment-seminar

Many delegates make international investing and business… even lifestyle decisions based on the economic updates we share, so I and our other speakers, Thomas Fischer of Jyske Global Asset Management, our webmaster David Cross and Merri have spent enormous time getting prepared.

This year our July North Carolina course was conducted at at the Ashe County Arts Center in West Jefferson.

The Arts Center is housed in a historic WPA building featuring a gallery so we share our information amidst local art and crafts, statuary and exhibits from over four-dozen artists.  Here is some of the art we saw.

international-investing-seminar

The seminar began with a historical review that led us to three places to invest now.

#1: Multi Currency Sandwich in value markets, emerging markets and wellness.

#2: The environment.

#3: Real Estate in the US and Ecuador.

Plus we saw why many of us would need our own business.

The first historical fundamental we covered was a way to predict where markets might go next.  We saw for example that the Dow has moved in approximate 15-17 year up and down cycles for over 100 years.

We viewed how the Dow appears to be in the 10th year of a 15 to 17 year down cycle that began in 1999.  We compared the last two years of this cycle, with the equivalent period in the 1968 to 1982 bear cycle.

We saw an amazing 93% correlation between then and now.

The chart below from Moore Research compares the Dow from 1976 through 1978 to the Dow of the last 18 months. The Blue line is what happened in the equivalent period in the 1970s to now.

global-trends

Here is what another delegate wrote about this seminar:

Hello Merri & Gary,  Now that I am back home and settled into the normal routine, it’s time to drop you a line to say how much my brother Rick and I enjoyed attending the conference last weekend.   Experiencing the beauty of Ashe County and the pleasant disposition of the people who live there contributed to the picture of the place that you paint via the letters and photos sent out to your readers.  Not only was the information presented there of great value, but Rick and I found that all of the other participants we met are great people indeed, just as you’ve mentioned.  Your ability to attract like-minded souls is a service in itself, and one that provides lessons we can all strive to emulate going forward.

Thank you again for providing the opportunity of meeting you both in person; I will begin to make use of the information to enhance my own life and look forward to seeing you both again some day.  Best wishes.

Then we looked at the multi currency sandwich and how you can currently borrow US dollars at 3% to invest the loan in higher yielding shares and bonds.  Pound loans are 4%.

We also saw how the British pound was a potentially undervalued currency versus the US dollar.

We looked at how Jyske Global Asset management’s Low Risk Portfolio with a 100% loan rose 11.4% since 2009 or at 23% per annum pace.

Then we reviewed an 18% six month profit with 4.75% ISS Capital 2010 bond (or growth at 36% per annum pace).

We reviewed a  7.25% Bombardier 2016 bond. that offered a longer duration and higher spread of 3.5%.

This led us to a multi currency sandwich with $100,000 invested and $50,000 US$ loan at 3% and $50,000 loan in British pounds at 4%.

The $200,000 was invested $100,000 in US the 7.5% dollar bond above.  $50,000 was invested in a Pound denominated bond issued by Hungary due 2016 and yielding 10%.  $50,000 was invested in British shares because Britain is one of the best valued major markets at this time.

Here is what another delegate shared about the seminar:

Merri, My wife  and I would like to thank you and Gary for a wonderful course. We thoroughly enjoyed all the information presented by Gary, Thomas and David. And we thank you for your hospitality with having us to your lovely “piece of paradise” in Lansing. The lunch was delicious and your presentation of import/export items was quite interesting.  We look forward to visiting Ecuador in September of 2010. And we look forward to visiting and staying at your hotel in Cotacatchi.

We then reveiwed the best and worst value equity markets around the world and saw that the best valued major markets are now Austria, France, Germany, Italy, Singapore and the UK.

Here is what another delegate had to say about this seminar.

Hi Gary & Merri,  I thoroughly enjoyed the time you so graciously allowed me to attend at your seminar and am not surprised, in the least, that you are getting rave reviews.  You and Merri make such a wonderful team offering these seminars with professionalism and charm, and here in Ashe County, with a unique local flavor.  We all thoroughly enjoyed meeting and getting acquainted with many of your delegates.  As it was last year as well, many of the people you attract with your seminars are well traveled, interesting and very personable.  Thank you for your friendship and generosity,

In another session we looked at the importance of investing in the environment. We saw three ways to gain from sustainability changes ahead.

#1: Adaptation.  Investing in solutions to health problems is an example. Poor food produced in our central food system creates blood sugar problems, so Novo Norsk a Danish company that is the largest producer of insulin makes sense.

#2: Mitigation.  Cleaning up the mess humanity offers profit especially with water. Hyflux, a Singapore company, and Kurita Water, a Japanese firm, both have potential in this field.

#3: Structural Change.   Vestas Wind Turbines is a Danish company and is the largest maker of wind turbines to produce energy.

Here is what anther delegates sent to Merri and me about this seminar:

As a retiree who saw her retirement sustain considerable loss due to the economy, I found the information you presented during the three days to be extremely helpful and showed a plausible way for me to have some recovery.  Besides all of the relevant information, your emphasis on honesty and the importance of not to be deceptive was reassuring.  The bottom line is, that what gave real value to the information we were receiving and what made us feel comfortable was, that we felt you, Thomas and David were all people of good character.  Something that is very important to us.  Thank you, Gary and Merri, for providing a wonderful Seminar. Sincere regards.

On Saturday evening we drove to Lansing and looked at how small businesses can grow as we visited the New River Winery for a wine tasting. The winery is housed in another old WPA building which originally was the Lansing school.

international-investing-seminar

Here is Haskell McGuire one of New River founders showing us the winery.

international-investment-seminar

New River’s flagship wines are Bohemia Red and Bohemia White. These were followed by the introduction of signature wines, Back Porch Blueberry.  New River now has several new wines in production including:  Pinot Blanc, Viogner, Hellbender Red, Lansing School White, Big Laurel Blush, and Seyval.

The winery started small and is growing by leaps and bounds. Vineyards and wineries are one of the fastest growing business sectors in North Carolina.

Here is an unedited quite from another delegate:

Dear Gary and Merri:  We so enjoyed attending the IBEZ Seminar this past weekend in Jefferson, NC.  We loved the high country area, the nice people we met and particularly enjoyed the visit and tour of the New River Winery.  We were lucky to sit at a table with four utterly charming southern women, one of whom was Haskell’s wife.  We had a long drive home on Sunday and were sad that we had to leave and not be able to join you and our group for lunch at your farm and sad that we missed Merri’s cooking.  We hope someday in the future we may have the opportunity to visit your property as we heard it is quite beautiful.

Then we began the international business sessions of the course and David began teaching how to use the internet in business.

We started by looking at a Time Magazine quote which said:

Throw away your briefcase: you’re not going to office. You can kiss benefits goodbye. Your new boss won’t look much like your old one. There’s no longer a ladder, and you may never get to retire, but there’s a world of opportunity if you figure out a new path.

On Sunday we continued the course at our farm. Everyone was invited up to the house for lunch.

international-investment-seminar

We did a review of Ecuador export products.

international-investment-seminar

Like this leather coat and these baby alpaca sweaters.

international-investment-seminar

Another delegate wrote:

Hi Gary, Just a quick note to tell you again how much I enjoyed the seminar and seeing your lovely farm.  I spoke to you briefly about deciding that I wanted the web course instead of mult-currency.  Thank you for sending me that instead of the multi-currency.  It may be two weeks, but I am starting to work on that site.  I know from life experience that it is always better to focus on what you want to create instead of what you don’t want. So thank you for the buzz of creativity that you, David, and others from the  group inspired.  I am also interested in featuring the dulcamaras product on my site, along with testimonials.  You mentioned a contact for that product.  I would appreciate that information also. Smiles.

Here is some Ecuador art that evolved from drum making.

international-investing-seminar

Delegates came up with many marketing and…

international-investment-seminar

Business ideas.

international-investment-seminar

plus we had fun.

international-investment-seminar

Next time this course will be in October.  This view…

international-investing-seminar

will look like…

international-investment-seminar

this!

international-investment-seminar

As the guests leave… in the dusk… there is always a moment of sadness.  New friends made.  Interesting ideas shared and now we are moving apart.

international-investment-seminar

Yet we’ll be back together again next seminar.

This delegate expressed it well when she wrote:

Thank you again for a truly life changing and life enhancing weekend. And we also wish your loved ones a speedy recovery and good health. Best regards.

We hope you will join us for our International Investing and Business Course in North Carolina this October or in Ecuador in November like this delegate who wrote:

Hi Gary,  It was wonderful to meet you and Merri at the IBEZ Conference this past weekend!  You both are so warm and caring and have a genuine desire to help the people of Ecuador and others to build a successful business.

The classes were very insightful and jam packed with information and suggestions on how to start your very own web based business. You and David, your webmaster, presented the information in an easy to understand format that even computer dummies like me could understand.

The multi currency investing portion of the class presented by you and Thomas Fischer from Jyske Global Asset Management were very interesting and educational.  It opened our eyes to new avenues of investing that we didn’t have a clue about before.

We also very much enjoyed the Import and Export portion of the class.  The items from Ecuador that you and Merri shared with us were very beautiful.  I especially loved the bird art and would be very interested in importing some of these to sell.  I am also interested in jewelry, leather goods, and the shawls like Fran was wearing in class (they were enhanced with the leather collar and leather applique).  I think that custom made leather goods that are stamped, as you and Merri suggested, have good income potentials. We would like to thank you and Merri for opening up your beautiful home to the class on Sunday afternoon and feeding us such a delicious lunch.  This was the perfect ending to three days of fun and sharing of ideals and suggestions on how to make money from investing in property and multi currency to building a successful web site business and Importing/Exporting from Ecuador for profit.  Thank you and Merri so much for everything.  We look forward to attending additional conferences.  Take care and hope to see you again soon.

Gary

Join Merri me and Thomas Fischer of JGAM and our webmaster David Cross in North Carolina this October and enroll in our emailed course on how to have a web business free. Save $299.

Learn more about global investing, how to have an international business and early retirement in Ecuador at the course.

Oct. 9-11 IBEZ North Carolina

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

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

Oct. 21-24 Ecuador Import Export Tour

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

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

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

Another delegate wrote:

Hi Gary, Just looked at your website for the first time and couldn’t hardly stop reading all the fantastic topics and the wealth of information you provide.  One of the best website’s I’ve experienced.  Don’t know why I haven’t looked at it sooner but am very happy I finally got to it.  I read as many articles as I could in one sitting with limited time this morning and am anxious to get back to read more.  Your life experiences and expertise is fascinating.  It’s amazing how close your philosophy about life, work, investing, family, etc. parallels my own.  I suppose international living, broad experiences with other cultures, diverse business experiences, etc., culminate in a certain way we view the world.  Anyway, thanks for sharing so much excellent philosophy and expertise.

International Investing Trick


Here is a global diversification trick that may do well in the likely global economic scenario ahead. Buy good value shares internationally as markets dive during the summer dip.

In a moment we’ll look at some Ecuador health ideas… first the investing trick.

Global equity markets have been in a bear market rally for six months but are now hitting the summer blues due to seasonality.

Share prices will probably drop now. Chances are there will be a strong global equity slump at least through October 2009.

This will create extra value in equity markets and provide good opportunity to pick up high value long term.

The bear market is likely to carry on until 2012-13, but good value shares acquired during dips are more likely to spike early and have extra potential after the bear ends.

Now through October 2009 could be a good time to invest in high value shares for long term appreciation.

But which shares… in which markets?

One way to approach this is to look for extra value created by inefficiencies in markets…to find markets where the values are best.

Statistically this is the best way to be absolutely sure of the best long term returns.

There are numerous investment managers who use very strict valuation criteria (usually based on dividend yields, cash flow, price earnings) to spot the best value markets.  They then try to apply similar criteria to select good value shares in the good value market.

The next goal is to decide how much should be weighted in major market and how much in emerging markets.

Here is a comparison of the Morgan Stanley Major Market versus Emerging Market indices.

The MSCI World Index is a market capitalization weighted index that measures the equity market performance of developed markets.  It includes 23 developed market country indices : Australia, Austria, Belgium, Canada, Denmark, Finland, France, Germany, Greece, Hong Kong, Ireland, Italy, Japan, Netherlands, New Zealand, Norway, Portugal, Singapore, Spain, Sweden, Switzerland, the United Kingdom, and the United States.

The MSCI Emerging Market Index includes Brazil, Chile, China, Colombia, Czech Republic, Egypt, Hungary, India, Indonesia, Israel, Korea, Malaysia, Mexico, Morocco, Peru, Philippines, Poland, Russia, South Africa, Taiwan, Thailand, and Turkey.

MSCI Indices performances.  Total per annum return over:

Major                            Emerging
15 years    4.10%                   5.41%
10 years  -3.85%                   9.11%
5 years    -2.77%                  11.16%
3 years   -10.81%              -00.17%
1 year      -20.81%             -27.53%
3 mos.      14.30%               27.53%

Regardless of the time frame observed,  the emerging equities almost always seriously outperformed major markets… but as a class they also dropped further in the 2008 downturn.

Here is a year-on-year comparison for the past five years.

Major                   Emerging
2003  10.74%           29.63%
2004    6.46%           16.51%
2005   26.17%           54.41%

2006     7.40%          18.23%

2007     -1.66%         25.71%
2008   -50.30%      -37.64%
2009      5.39%         34.79%  3 months

This history suggests that emerging markets deserve a substantial ranking.

However before becoming too aggressive in over weighting emerging markets, we have to keep in mind two thoughts.

First economic thought. The last 15 years has been a catch-up era when the investing world caught on to the idea that emerging markets offered great opportunity.

Second economic thought. A great deal of emerging growth came from debt financed exports to the developed world. This leaves emerging economies holding huge amounts of debt for customers who may not be able to repay the debt nor continue to buy the same volume of goods as before.

The easiest way for investors to invest in good value during dips is via a value mutual fund.

You can select a value major market fund, a value emerging market fund or a value diversified fund.

The benefit of a value diversified fund is that the professional manager decides how much to weight in emerging and major markets.

For example I just sent a lesson to our multi currency subscribers that showed a US traded international diversified value fund that has risen 36.08% in the past quarter ending June 30, 2009.  This fund is 86% in major markets and 14% in emerging markets.

Learn how to read about this fund as a multi currency subscriber.

The most valuable asset we can have in tough economic times is good health. This is why we studied Ecuador health ideas at our June tour.

Cotacachi is considered sacred by the shamans… a place of wonderful mountains that ring the valley.  This is Mt. Cotacachi to the west.

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Mt. Imbabura to the east.

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The valley is surrounded by mountains like these twin peaks…

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creating wonderful, mystic  sunrises.

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The first afternoon of the tour we visited La Mirage Spa and the Shamana Estella.

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She began a theme that the many shamans we visited confirmed.   She said that the three keys to better health, increased longevity, more energy and fulfillment are good nutrition, proper exercise and good sleep.

The purpose of the Ecuador shamanic tour is to learn ways to unlock this healthy  combination in a natural low cost way!

The second day we joined Clemencia, the Shamana of Zuleta and drove 15 minutes from our hotel Meson de las Flores to Otavalo market where we visited the local food market…

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filled with fruits…

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vegetables…

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flowers and …

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herbs.

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Here is the shamana speaking to the group with Merri and Mauricio translating.

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We learned the importance of the herbs to make good teas that hydrate the body are cedron, chamomile and lemon verbena.

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We learned how other herbs relax such as chamomile and valerian root. Plus we were told to boil lettuce in milk as a prebedtime drink for better sleep.

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On the other hand, tea from cinnamon, paprika, cloves and ginger help reduce sluggishness in digestion and to speed the system when we need to be fired up.

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You can read this entire report as an Ecuador Living subscriber.

Gary

We hope you’ll join us and enjoy Ecuador’s or North Carolina’s beauty soon.

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Sunrise from Meson de las Flores.

July 24-26 IBEZ North Carolina

Oct. 9-11 IBEZ North Carolina

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

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

Oct. 21-24 Ecuador Import Export Tour

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

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

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

Ecuador Iran Excerpt


A number of readers have asked about Ecuador and Iran so here is an excerpt from our latest Ecuador Living report.

Some of the ideas apply to interaction between radicals in all of the Middle East and the West and how they can affect our wealth, business and investing.

The idea that Iran is a great enemy intent on attacking us is great for selling news, but a bad leader or two does not reflect the entire population.  Many of us in the US did not agree with some of the leaders our the last administration.

IF  Iran is to become more involved in the West and that’s a very big IF, I do not see it being any great deal. The only risk Iran poses is if many people give them a lot more concern then they deserve… as certain leaders in the West gave Saddam Hussein.

I do not claim in any way to be a great global military strategist but that thinking has some support from the thinking of other  who I do think are good at strategic global thought such as… Lee Kwan Yew.

I worked and spent a lot of time in Singapore during the late 1960s and early 1970s so I recall vividly the way Singapore used to be.

Lee Kwan Yew had a lot to do with Singapore emerging from a form of colonialism that included a lot of poverty to one of the wealthiest societies in the world.

This means it is fitting to read some of Lee Kwan Yew’s thinking that could apply to Ecuador and Iran now.

Lee Kuan Yew outlines the risks of relying on the local press succinctly in a 2007 interview with  UPI’s editor at large, Arnaud de Borchgrave.

Q: So what is your recommendation about Iran’s nuclear ambitions?

A: Is it now unstoppable. They are a very old civilization. Unlike the Arabs, apart from Mesopotamia valley, they rank with the Chinese, as history’s two principal civilizations worth talking about. And I think the mullahs and others want to go back to the days of empire.

Q: So should we be talking to them at the highest level, the way Henry Kissinger went to China?

A: (Chuckle) But you haven’t got a Kissinger or a Brzezinski to do that anymore. Where is the successor generation of geopoliticians?

Q: In fact, democracies don’t produce great statesmen anymore. Why?

A: You now have, and I don’t know how long this phase will last, mass media domination, owned by a group of media barons who want constant change for their balance sheets.

Q: So the power of mass media has made it impossible for a great statesman or woman to emerge and last any length of time?

A: I’m not sure. It depends on the nature of the crisis that must be faced. When a real crisis sets in, a matter of life and death, opinion formulators realize this is no time to be pontificating, but a time to stay the course with someone who understands what this is all about.   Short of that, the media help put a leader on the pedestal and then start chopping away at the pedestal until he/she falls in disgrace. That’s part of the cycle of constant change. Watch Sarkozy in France. They hoisted him up to prominence and now they’re already attempting to bring him down through his personal life.  Well, yes. But it’s also the enormous pressure of media competition and the giant appetite for advertising revenue, what television program gets what viewership, or eyeballs, or clicks online. Never mind the consequences. If you get the advertising, you win.

Q: When I last interviewed you in May 2001, I asked you what concerned you most about the next 10 years, and you replied, “an Islamist bomb, and mark my words, it will travel.” Four months later, we had Sept. 11. Secondly you said, “China and India’s challenge to the global status quo.” Do you still have the same concerns about the next 10 years?

A: Not quite. The Islamic bomb has traveled already (in Iran). I’m not sure how this will now play out. The U.S., the Europeans, even the Russians, will have to make up their minds whether to allow Iran to go nuclear. The Russians are playing a game, posing as the nice guys with Iran, supplying nuclear fuel, and making it look as if America is causing all this trouble. But if I were Russia today, I would be very worried about Iran acquiring the bomb, because Russia is more at risk than America. The risk Israel runs is another dimension. Russia is at risk because whether it’s the Chechens or Central Asian Muslim states that were former Soviet republics, none are friendly to Moscow. Next time there’s an explosion in Moscow, it may be a suicide bomber who isn’t wearing an explosive belt or jacket, but something a lot bigger. It would certainly be in Russia’s interest to say at some future point to Iran, “this far and no further.” It could also be that Russia no longer knows how to stop it, in which case the Russians will be opening the door to a very dangerous world of nuclear proliferation. You can be quite sure that if and when Iran gets the bomb, the Middle East will go nuclear.

Q: Which raises the question of the United States or Israel bombing Iran’s nuclear facilities.

A: (long silent pause) … I can express no views on that.

Q: As I travel in moderate Muslim states in North Africa, the Middle East and South Asia, I ask heads of state and government how many extremists, or would-be jihadis, they estimate live in their midst, also how many fundamentalists who support openly or secretly the jihadi cause. The answer is usually 1 percent and 10 percent. In a country like Pakistan, that translates to 1.6 million extremists and 16 million supporters. On a global scale, that comes out to roughly 14 million extremists and 140 million sympathizers.

A: Yes, but I do not see them winning, and by that I mean able to impose their extremist system. I can see them inducing fear and insecurity, and causing fear, but they don’t have the technology and the organization to overwhelm any government.

Q: So how do you assess the global threat since Sept. 11? What are we doing that’s right and also that’s wrong?

A: Even if we can’t win, we mustn’t lose or tire. We cannot allow them to believe they have a winning strategy, and that more suicide bombers and WMD will advance their cause and give them a chance to take over.

Q: Did Iraq have anything to do with al-Qaida?

A: Of course not, as became clear in the daily sessions the imprisoned Saddam spent with his Arabic-speaking FBI interrogator over several months before his execution. But U.S. authorities were convinced Saddam was secretly supporting al-Qaida with weapons and training and maybe even WMD. So therefore the imperative became the elimination of Saddam.

A: (Laughs for several seconds) We should learn to live with it for a long time. My fear is Pakistan may well get worse. What is the choice? (President) Musharraf is the only general I know who is totally secular in his approach. But he’s got to maneuver between his extremists who are sympathetic to Taliban and al-Qaida and moderate elements with a Western outlook. We forget that right after Sept. 11 he was given a stark choice by President Bush: either you abandon your support of the Taliban regime in Afghanistan or face the disintegration of Pakistan. There is an interesting study of Pakistan’s Inter-Services Intelligence agency that says 20 percent of the Pakistani army’s officer corps is fundamentalist.

A: There is very little, if anything, the U.S. can do to influence the course of events in Pakistan that wouldn’t make matters worse. Any U.S. interference in Pakistan would result in Pakistan’s four provinces becoming four failed states. And then what happens to Pakistan’s nuclear arsenal? It’s a horrendous festering problem. The Feb. 18 elections may bring a little clarity and hopefully democratic stability to Pakistan, but I am not holding my breath.

Q: So you do feel that NATO’s future is at stake in Afghanistan?

A: No doubt about it. But you should also realize Afghanistan cannot succeed as a democracy. You attempted too much. Let the warlords sort it out in such a way you don’t try to build a new state. The British tried it and failed. Just make clear if they commit aggression again and offer safe haven to Taliban, they will be punished.

Q: If NATO collapsed in the wake of a failed campaign in Afghanistan, would that be a major concern of yours in Singapore?

A: Not immediately, but overall the balance of power would be upset.

Q: In whose favor?

A: China and Russia. They would be faced with a much weakened West in the ongoing global contest. I can also see the danger if America loses heart and says to hell with it all because the Europeans are not helping and the Japanese are blocking this and that, and tokenism from all the others. Let’s not forget that what we’re all enjoying today is the result of Pax Britannica and Pax America over the past 100 years. So don’t give it up.

Q: But in the Gulf, if the U.S. and/or Israel bombed Iran’s nuclear facilities, Iran has formidable asymmetrical retaliatory capabilities?

A: But let me repeat, they cannot conquer you. Hezbollah cannot conquer Lebanon. They can create trouble for the non-Hezbollah Lebanese. So micro actors can cause a lot of trouble for your friends, but they can’t eradicate them.

You can read this entire report as an Ecuador Living subscriber and see why if there were to be a military concern in Latin America it would be over China…not Iran..

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Subscribe to Ecuador Living and learn in an upcoming report about this huge lot and house in Cotacachi for $30,000.

There were two articles readers have recently mentioned.

The first article began, QUITO – Iran will finance two new power plants in Ecuador and extend a 40-million-dollar loan for business development, officials from both countries said Thursday, three months after the first visit by an Ecuadoran president to Tehran.

The second:  Iran, Ecuador Eye Military Ties As U.S. Prepares to Withdraw from Airbase Friday, May 29, 2009, by Patrick Goodenough, (CNSNews.com) – As the United States military prepares to vacate an airbase in Ecuador in the fall, the leftist government responsible for its upcoming departure is looking to Iran as a future military partner.

While I do not feel that nuclear power or expanded military might are good things, I do believe completely in the global economy and in expanding the wealth of all.

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Subscribe to Ecuador Living and see an upcoming report on how to own this organic tomato farm with…

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trout pond.

One can argue about all the numerous conflicts in the world but if we boil it down to the few most important, one of the biggest tensions in today’s society is that there are a few very wealthy people and many, many poor.

For decades my premise for economic expansion has been based in part on the belief that most people, if given a choice, will spend their time doing positive things, like working at something they love for increased material wealth and great fulfillment rather than living a guerilla’s life.  A poor soldier’s living conditions are  generally not pleasant… the pay low… the risk extreme.  That life, however, is better than one of complete hopelessness and despair.

If Ecuador Iran cooperation can help make more poor Ecuadorians and Iranians rise out of poverty… I say…”go for it!”

There are many potential and huge benefits to be gained by bringing Iranian business to the West. Maybe Iran being closer to the West will help it integrate?  Current events in Iran suggest that many of the population would be happy to do so.

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Subscribe to Ecuador Living and learn about these 15 new houses on Cotacachi’s creek.

I have had an opportunity to observe Correa and the people of Ecuador react for a couple of years now.  At times I have been quite close… such as when I took this photo.

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Correa is in a strong political situation at this time. One thing that could destroy his popularity quickly would be the perception in this 90% Catholic country that he is introducing Islamic radicalism.  Therefore Correa may line up with Iran for some money… and to gain leverage in his dealings with the West… but a major integration would surprise me very much.   One bombing in an American hotel in Quito or Guayaquil and Correa’s popularity would be toast.

There have been worries about his friendship with Chavez. There are these worries of Correa with Iran. There have been worries about South America pulling away from the US dollar.

Yet so far none of these fears have affected life, happiness, opportunity, real estate values or  law and order in Ecuador.

In short anyone who never heard of or ignored all these fears and moved optimistically forward is better of than those who did not.

Most of the press are writing about the world sliding into recession. Many articles in the Western press make it sound like there’s little opportunity and great danger everywhere.

Good. Their doom and gloom creates positive global investing opportunity for those of us who can see through the illusion.

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Subscribe to Ecuador Living and learn about Primavera V condos.

Regards,

Gary

We hope you’ll join us to learn more business and investing opportunities globally as well as Ecuador.

July 4-8 Ecuador Export Tour

July 8-9 Imbabura Real Estate Tour
July 10-13 Ecuador Coastal Real Estate Tour

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

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

July 24-26 IBEZ North Carolina

Sept. 17-21 Ecuador Spanish Course

Sept. 23-24 Imbabura Real Estate Tour
Sept. 25-28 Ecuador Coastal Real Estate Tour

Oct. 9-11 IBEZ North Carolina

Oct. 21-24 Ecuador Import Export Expedition

Nov. 6-8 IBEZ Ecuador

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

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

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

Ecuador Organic & Green


Ecuador, organic & green ideas can create wealth in the new economic era.

I’l say more on Ecuador organic gardens in a moment.  First, let’s look at organic and green ideas north of Ecuador in the USA and elsewhere.

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A recent message mentioned that we have enhanced our strategic alliance with Jyske Bank by co hosting a international investing course with Jyske Global Asset Management (JGAM) at the Naples Beach Club.  The shot above was taken of the Naples Beach Club golf course.

Each day Merri and I strolled down the beach from the hotel to the Naples pier.

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During the day we talked with delegates attending the seminar.  My speeches looked at some great opportunities for investing in green ideas.

Herein lies the rub.

Golf courses… beaches surrounded by commerce… the opulence of Naples is about as far from green as can be… yet this is what attracts so many of the bucks!

This series shows how the big economic problems today create big, new opportunities.

The greatest asset we can have in the economic era ahead is an ability to serve… to produce a product or service that adapts to new ways of living as they unfold.

One of these new ways will be green.

Merri and I left Naples (our home for more than 20 years) because it had transformed from a sleepy fishing village into a glittering metropolis. This was not us.  The lifestyle there is complex now and hard to sustain.

Though our global travel for 41 years leaves us with a terrible carbon footprint and makes us look like jet setters, Merri and I are basically simple, recluse home bodies,  happier weeding our garden and watching our sunflowers sprout, than flying off to a grand metropolis.

I usually work here on the front porch…

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watching my grapes, raspberries, squash, tomatoes and…

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sunflowers that…

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by late summer will look like this.

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Merri and I are such common people… so like, so many our age… that usually whatever we like, many millions of others like as well.  We count on this fact in our investing. We feel for what we like, knowing there is a market for that feeling.    This has paid us, over the years, well.

During the current economic transformation green may suffer… but in the end  humanity cannot ignore the problem of sustainability.  This means that green investments may offer special value now.

Here are excerpts from a recent Times special report entitled “It will Pay to Save the Planet”:

It’s no secret that U.S. workers are in trouble, with the unemployment rate at 8.9% and rising. At the same time, the world faces a long-term climate crisis. But what if there is a way to solve both problems with one policy? A number of environmentalists and economists believe that by implementing a comprehensive energy program, we can not only avert the worst consequences of climate change but also create millions of new jobs — green jobs — in the U.S. “We can allow climate change to wreak unnatural havoc, or we can create jobs preventing its worst effects,” President Barack Obama said recently. “We know the right choice.”  According to a report by the U.S. Conference of Mayors, there are already more than 750,000 green jobs in the U.S.

Environmental advocates say that with the right policies, those job figures could swell. The Mayors’ report predicts that for the next three decades, green employment could provide up to 10% of all job growth.

Because the environment creates a huge problem… there is also great opportunity in the thoughts behind this series.

Now imagine this… a guy sitting deep in the North Carolina woods reporting about Ecuador to tens of  thousands of people in a flash. We gave up our print publishing business and moved to places where we mostly walk rather than drive… built a super insulated natural house all to make our lifestyle and business greener.

You can do this too… if you wish or something of this sort… something that interests you.  There are so many green ideas and opportunities.

Many of these organic… green ideas are in Ecuador.

Here are a few ways suggested in previous messages that you can earn income that are greener than the norm.

Ecuador green roses.  See Ecuador Flower Income.

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Here is a recent  order of green Ecuador roses we received at our home.

This idea helps create employment in Ecuador…  encourages green agriculture… reduces pollution for floral distribution and encourages community interaction.

Ecuador exports.  See Ecuador Export Tour.

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A silver & ceramic Ecuador export.

This idea encourages a shift from lots of factory manufactured stuff to quality, natural, hand made crafts.

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My internet business allows me to be very green in Ecuador and North Carolina. Here I am with my Macbook amidst tall locust trees on the farm.

See how to start an internet business at Web Business Course.

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Few ideas will totally reduce our carbon footprint.  Yet we can consume less when we work from home and deliver electronic rather than physical products.  When we void commuting we reduce travel, road wear and use less gas.  We pollute less.

More Green Investing Ideas.  See Green Multi Currency Portfolios Now

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I talked about green investing with these speakers at the Naples seminar.  Left to right: Samuel Rachlin,  Rich Checkan, Steve Blumenthal, Joe Cox, John Mauldin, Gary Scott, Lars Stouge. Thomas Fischer Moderating.

Our multi currency course has been tracking green portfolios for years. The green portfolio we have tracked for years include:

Vestas:  Danish Wind Turbine manufacturers.

Q Cells AG: German Solar Panel Makers.

Kurita Water: Japanese Water Purification Company.

Hyflux: Singapore Water Purification Firm.

NonoZymes: Danish Enzymes Manufacturer.

Seche Enviroment: French Environmental Porducts Firm.

I reviewed this green portfolio with my Jyske Global Asset Management adviser,  Anders Nielsen.  Here I am with  Anders at the Naples seminar.

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He recently wrote that Jyske recommends some of the green shares in our green portfolios now and said:

Jyske Bank has a buy on NovoZymes, with a target price of 515 Danish kroner (the current quote is 417.00 DKK).

Jyske Bank has a buy on Vestas, with a target price of 495 Dansih kroner (current quote is 399 DKK).

Jyske Bank does not have recommendations on the rest of the companies, but Anders passed on recommendations from other analysts from the Bloomberg system.

Seche Environnement:  16 analyst follow the company. 6 buy, 5 hold and 5 sell. The average price target is 45.94 Euro (the current quote 49.58).

Kurita water Industry:  12 analyst follow the company, 8 Buy, 2 hold and 2 sell. The average target price is 2,275  yen (the current quote 2,570).

Q-cells AG:  41 analyst follow the company, 7 buy, 13 hold and 21 sell. Average target price 17.56 Euro (The current quote 17.26).

Hyflux Ltd:  8 analyst follow the company, 5 buy, 3 hold and 0 sell, Average target price 2.21 (Current quote 1,77).

You can see a more complete report n this as a multi currency subscriber.

One, two or none of these ideas may be right for you.  Others may not. We cannot be sure which shares will rise.   We can be sure that rapid change is here and that green and sustainable products are vital to humanity’s future!

Great opportunity is also here and a big part of this opportunity will be in the field of environmental and social sustainability.  I look forward to sharing this opportunity with you so we can make other green with envy!

Gary

Join me and Thomas Fischer from Jyske Global Asset Management in North Carolina to learn more about economic trends and David Cross our webmaster to learn how to have a global internet business.

We’ll have lunch at the farm and enjoy the cool summer mountains. Here’s a shot of our front yard.

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Thomas Fisher speaking to our delegates at the farm.

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Delegates enjoying a private conversation with Thomas Fischer during a coffee break at the farm.

Save up to $249! Enroll in our July 24-26 International Investing and Business Made EZ seminar here

We offer two emailed courses, one on how to be a multi currency investor, the other on how to have your own international web business.

We enhance these courses with regular international investing and business seminars that I conduct in coordination with Jyske Bank and Jyske Global Asset Management.

If you enroll in our July 24 to 26 International investing and business seminar by July 1, 2009 you can have one of these two emailed courses free and save p to $249.

Delegates gain a lot by talking with each other at these courses. Here are delegates at our Naples course.

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Join me with Thomas Fischer of Jyske Global Asset Management and my webmaster David Cross in North Carolina July 24-26 IBEZ North Carolina

Our North Carolina courses in 2009 will be conducted in the new…

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West Jefferson Hampton Inn.

Save $249!   Enroll in our July 24-26 International Investing and Business Made EZ course here

Global Investing and Ecuador


My global investing and business began 41 years ago May 2, 1968 and eventually led me to Ecuador.

My background as son of a zoo keeper did not leave me prepared.

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Here is a newspaper clipping of my sister Sandra and me feeding a baby lion we kept at home… one of many lions and tigers we raised.

Let me share 41 years of multi currency investing and a couple of important facts I learned that may help you… including what’s happening with the swine flu in Ecuador.

I arrived in Hong Kong in the night, the tropical air so soft it was a velvet mist.   Thick evening scents in the fragrant harbor and mellow insects purrings in rhythm with the cacophony of the great city!  What a an exotic adventure.

Kai Tak was Hong Kong’s airport then and being American born and bred, I knew nothing about investing aboard.

That was my first airplane trip, first time out of Oregon. Portland to Vancouver, Tokyo to Hong Kong.  I melted in my heavy woolen blazer, was weary and afraid but excited too. An incredible global investing journey had begun… and continues to this day.

Here I was, 21 years old.

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Here is the first stamp in that first passport. That stamp you might say was my first international investment.

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That first stamp makes a point by the way about how to enter and initially work or invest in a country.  That first stamp was issued May 2, 1968 and allowed me to stay in Hong Kong until June 2, 1968.

I worked in Hong Kong for quite some time on tourist stamps… coming in for a month at a time.   I was developing sales teams in Japan, Korea, Taiwan, Thailand, Indonesia, Indonesia, Singapore and the Philippines at the same time so a month was plenty of time before I exited.

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Here is one of my first sales teams… this one in Hong Kong led by John So Kwok Kee (far left – you can guess which one I am).

I built teams from the north in Japan down through Thailand.  One of the salesmen we worked with in Thailand, Brian Tracy, returned later to Canada and has had great success in the sales education field.

Starting a business, investigation or residence with a tourist visa is a pretty good idea. This is usually the easiest, most efficient, practical way to begin so you can be sure what you are doing and how you’ll develop a more permanent stay if you want one.  In many cases… such as mine… a permanent tourist system is simply the easiest and best.

I began my business in Hong Kong this way and for years I also lived and worked in England on tourist stamps before obtaining my permanent residence there.

A reader recently sent me this note about Ecuador tourist visas.

“Gary, When I was staying at the Hotel, someone mentioned that you do not
have a residential visa for Ecuador.  Is this correct?  How do you
spend as much time in the country as you do?”

Here is my rely:

“I spend less than 6 months a year in Ecuador.

“We have heard from others who come stay for 90 days, leave for just a day or two (especially just over the border in Peru or Colombia)  and come right back that there are difficulties.

“Our experience is that every time we come to Ecuador we are given a 90
day visa.  However we do not stress this system. For example we may stay 70 days and then be away for weeks or even a month or so.  Then return for 20 days or so.. then leave for another month etc.   The immigration officers look carefully at the total number of days by the end of the year and to help them, I keep a list of each day we have arrived and departed and the page number in our passport… so they can efficiently see we have not been in more than 180 days the maximum allowed on a T-3 tourist visa).

Be careful not to overstay. One reader reported that having done so he was denied entrance upon his return and were not allowed to return to Ecuador for one year.

We have a full report on Ecuador visas and an immigration attorney who helps our Ecuador Living subscribers.

I am also preparing a report for Ecuador Living subscribers to answer this question from a reader yesterday.

“Hi Gary, Wonderful timing, we had tickets to fly from Guadalajara to Quito yesterday, but were stymied by the fact that Ecuador (and Peru) are refusing passengers from Mexico.  We understand Ecuador’s borders  will be closed for a month to non-residents flying in from Mexico.

We had thought about flying back to the States and then flying to Ecuador, but an electronic scan of our passports would show we’d been in Mexico and we’re not sure what would happen.  Any insights?   Thanks!

You can obtain these reports and answers as an Ecuador Living subscriber. Learn how to subscribe to Ecuador Living here.

Back to Hong Kong.  I began there selling US mutual funds.

When arriving there 41 years ago there is no way I could have known how exciting the next decades would be, how much information, facts, figures, ideas and insights on how to invest globally would be gained. Had I known the mistakes to be made I would probably have run!

Then I moved east again to England and Europe… trying many things.

Thankfully all the trials, tortures and errors were mitigated by much fun and an earnest endeavor to live right and learn.

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Here is a newspaper clipping of me  with a business partner in my London office on Artillery Row selling square inches of Graceland… not really a very good idea.

Later I imported Rolls Royces and Bentleys from England to the US… a better idea.

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One goal at this site is to share basics of global investing and living an international life learned over these 41 years. Global investing has changed so much during this time and is changing even faster now.  I am continually forced to rearrange my thinking strategy and tactics at a faster pace.

We offered health courses at our North Carolina farm. Here I am with our son, Jake, with one tactic we taught… a morning dip in a cold creek after exercise… yes that is snow on the banks and no… this not surprisingly did not sell very well either.

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Our food as medicine courses taught by Merri in her teaching kitchen at the farm had better attendance!

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For almost 15 years now we have been conducting courses in Ecuador. Here I am this year in the meeting room at the Cotacachi museum next to Meson de las Flores on an Ecuador export tour.

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This continual evolution has helped Merri and me, our readers and our income continually grow… through good times and bad.

Yesterday April 2009 for example ended with anoter record month for our internet sales.  Our 2009 sales (April month on month) were up 48.01% over April 2008, which in turn were up 24.04% over April 2007 sales.

Our sales in the first four months of 2009 were up 81.75% over Jan through April 2008 which was up 26.20% over 2007.  Learn how to develop an internet business that can grow like this here.

The reason we have survived and progressed amidst this never ending update is that the little stuff shifts and evolves, but the fundamentals remain immutable.

Investing globally is not a panacea, but expanded horizons are. Life is a trip and we have an entire globe to enjoy the ride.

Two years ago on May 2, 2007, I wrote:

History suggests that this is a time when chances are increased for panic and sudden drops in investment markets. Investors who have proven themselves nervous short term thinkers are highly leveraged, in thin, over purchased markets that are easily sinkable boats treading the dangerous waters of May though October when tradition says the currents will most likely be treacherous and surrounded with lots of storms.

Now, that this risk has proven true, history also suggests that we have a once in a life time opportunity.

The way to cash in on this incredible opportunity is the same way I suggested avoiding the collapse two years ago. I wrote then: “One way to get good international investments is to take a long term, expansive international view.”

My first trip abroad 41 years ago was significant because 1968 was the beginning of a new era for world stock markets. When I arrived in Hong Kong the world of investing was dominated by Wall Street. That was about to end. 1968 was the year when the Hong Kong Stock Market began to explode upwards along with Tokyo’s market. What a ride!

The Heng Seng Index was then 100 and rose to 18,000. Anyone who steadily committed money to this market then made a fortune.

I can sum up my investment basic investing and advice in seven sentences.

#1: 1970s. Invest in real estate, gold, silver Japan, Germany, Switzerland and Hong Kong.

#2: 1980s. Invest in real estate, the Tigers, Japan, Taiwan, Singapore Malaysia and South Korea as well.

#3: 1990s. Invest in real estate South America (which led me to Ecuador).

#4: 2000s. Invest real estate, China, India and emerging markets including Ecuador real estate.

#5: Always have an expansive view.

#6: Use stop losses during peaks.

#7: Have an international investment view. Never overextend. Don’t trade too much, just hang on.

This philosophy has reaped millions for Merri and me. Had we been more expansive, we would have an extra $20 million or so.  However our conservative approach to business and investing also protected us during the recent melt down of 2007 and 2008.

This may be time to begin taking advantage of the recovery. Panic is subsiding but values are still high. The huge excesses of the US and other government’s will at some stage begin to seriously erode the purchasing power of currencies.

I remain highly diversified from a currency point of view.  Here is my current currency breakdown in my liquid portfolio that represents 43% of my total portfolio.

An excerpt from a recent Multicurrencyinvesting.com lesson explains why when I wrote about the currency distribution of investments:

Here is my currency distribution:

Danish kroner    24%
Euro                     24%
British Pound      8%
US Dollar            12%
Canadian Dollar 3%
Norway kroner   4%
NZ Dollar             3%
Sweden kroner    7%
Brazil real             3%
Hungary Forint   6%
Turkey Try            6%

With more than a third of my liquid position in Danish, Swedish and Norwegian kroner, my Scandinavian  position is seriously over weighted in terms of global market size.

One reason is because these are such small countries located on the sea.  This means that their histories are composed of  travel and trade.

A nation’s heritage reflects in the value of its currency strength. This fact helped me answer this question from a reader.

“Gary, Will  future strength in DKK be bad for equities denominated in that currency?”

Here is my reply.

Most of the Danish companies you would buy are global companies.

Because Denmark is such a small market any large Danish company is doing most of its business out of Denmark  so a lot of their success depends on the type of business business and where the company actually manufactures and sells its products.

Plus look at the margins built into the product.

One benefit in Scandinavia is their very highly educated population. A recent Time magazine article shows that Finland (not Scandinavian but Baltic and Finland’s currency is the euro – otherwise I would have Finmark in my portfolio as well) ranked number one for educational performance of 15 year olds in math. Denmark was number 10, Sweden number 15 and Norway number 23… all ahead of the US (number 25).

Finland was number one for reading performance of 15 years olds as well.  Sweden number seven, Norway number 10 and Denmark number 16. The US was number 15.

This means that the products produced in these nations will tend to be high value.

For example, Novo Norsk makes insulin.  I suspect that the margins are substantially high.

Ditto for novozymes that makes enztymes for environmental purification.  These are firms where there is likely to be a great deal of value added into their product.

Vestas, makes wind turbines. and may be more affected by a strong kroner if they do a lot of manufacturing in Denmark but are having and sales in the US and especially if their competitors manufacture in the US or other countries where the currency is weak.

I am updating the value of major and emerging markets now at multicurrencyinvesting.com and will be revaluing our green and Danish portfolios in upcoming lessons.  You can subscribe to our Multi Currency Portfolios Course here.

I have increased my Ecuador real estate to 22% of my total property.  The balance is in US property and I am looking to add more US property now in Florida and or Savannah.

If you have real estate in central Florida or Savannah that you would like to swap for real estate in Ecuador… let me know.

I have held a high cash position for over a year but now agree with Warren Buffet who recently wrote about business and opportunity:

Clinging to cash equivalents or long-term government bonds at present yields is almost certainly a terrible policy if continued for long. Holders of these instruments, of course, have felt increasingly comfortable – in fact, almost smug – in following this policy as financial turmoil has mounted. They regard their judgment confirmed when they hear commentators proclaim “cash is king,” even though that wonderful cash is earning close to nothing and will surely find its purchasing power eroded over time.

Now is the time to convert cash into investments that will appreciate with the loss of cash’s loss of purchasing power… stocks… commodities… real estate or your own business.

This leaves all of us with a lot to do after 41 years of a global life.

I feel healthier and more energetic then 41 years ago.   Maybe I am not wiser… but I am more experienced and seem in a better position then when I took that first trip.

Merri and I look forward to the next 41 years… and we look forward to sharing them with you!

Gary

This is the schedule of Gary our 2009 Ecuador information tours, courses and seminars.

May 16-17 Ecuador Coastal Tour

May 20-21 Imbabura Real Estate Tour

May 22-24. Ecuador Amazon Herbal Tour

June 12-14 Shamanic Mingo Tour

June 16-17 Imbabura Real Estate Tour

June 18-21 Ecuador Coastal Real Estate Tour

July 4-8  Ecuador Export Tour

July 8-9 Imbabura Real Estate Tour

July 10-13 Ecuador Coastal Real Estate Tour

July 24-26 IBEZ North Carolina

Sept. 17-21 Ecuador Spanish Course

Sept. 23-24 Imbabura Real Estate Tour

Sept. 25-28 Ecuador Coastal Real Estate Tour

Oct. 9-11 IBEZ North Carolina

Oct. 21-24 Ecuador Import Export Expedition

Nov. 6-8 IBEZ Ecuador

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

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

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


Ecuador Capital Gains Tax


Ecuador Capital Gains Tax

Ecuador capital gains tax is not due on occasional property sale profits.

This is another Ecuador earning idea… fixing up properties… like this.

This can be profitable. Plus these profits can be tax efficient as well.

In Ecuador there is no capital gains tax on the occasional sale of real estate… so you can take a property like this…

Cotacachi condos

fix it t look like this…

Cotacachi-condos

and sell it without incurring income or tax tax liability in Ecuador.

You may still incur tax liability in your country of residence or citizenship. For example if you are a US citizen you may have US capital gains or Alternative Minimum Tax liability.

This is why it is of utmost importance that you consult a tax attorney on such matters.

In fact it now more important than ever to have legal advice (US citizens at least) when you bank and do business abroad.

For year’s we have advised readers of the advantages of investing, business opportunity and banking opportunities abroad.

The main benefit is greater opportunity.  This is the era of the global economy and those who invest globally have the greatest opportunity. This is the story we have been preaching for 41 years this May.

For example right now the US property market is quite slow. Ecuador’s market is strong.

Banking abroad provides access to more experienced global investment knowledge and the ability to execute global investments and business more efficiently.

Another benefit is added asset protection.

I regularly get notes like this from readers who are professionals and in business…

“Gary, I continue to be bothered by an unjust lawsuit that is actually  extortion.  The legal fees are crazy. Such is the legal system now that even when you are totally innocent, you lose even if you win.”

When you invest and do business globally, assets held correctly abroad are safer from seizure via civil action.

However, we have also continually warned of the great risk of doing global investing and business  without good legal advice. Monday’s message looked at the importance of making sure that you use overseas banks in the correct way.

An excerpt from a recent article in the Financial Times entitled “Swiss agree to relax bank secrecy rules” points out the importance of this advice.

The article says:

BERNE, March 13 – Switzerland agreed on Friday to relax its strict bank secrecy rules and co-operate more on tax evasion in a last-ditch attempt to fend off a global crackdown on tax havens that is rattling the offshore banking industry.

In a landmark statement, the Swiss government said it would embrace standards for tax cooperation and exchange of information set by the Organisation for Economic Cooperation and Development, meaning more information on suspected tax evaders will be shared with other countries.

”Banking secrecy does not protect tax crimes. International cooperation on taxes has become more important given the globalisation of financial markets and in particular against the background of the financial crisis,” Swiss president and finance minister Hans-Rudolf Merz told a news conference.

A decision on Thursday by tiny offshore rivals Liechtenstein and Andorra to adopt more tax co-operation has put even more pressure on Berne.

It comes on the heels of moves by other centres, including Singapore, Hong Kong, Jersey and the Isle of Man, to open up.”

An article in the New York Times outlines the focus importance that taxing authorities have placed on tax havens.  The article was about how US President Barrack Obama acted as a mediator during a recent tense meeting between The French President Sarkozy and Chinese President Hu who were arguing about tax havens during the Group of 20 meetings.

The article said:

“Mr. Sarkozy wanted the big communiqué produced by the Group of 20 to endorse naming and shaming global tax havens, maybe even including Hong Kong and Macao, which are under China’s sovereignty. Unsurprisingly, Mr. Hu was having none of it. He appeared angry that Mr. Sarkozy was effectively accusing China of lax regulation, and that the French leader was asking China to endorse sanctions issued by the Organization for Economic Cooperation and Development, a club of wealthy nations that Beijing has yet to join.

According to accounts provided by White House officials and corroborated by European and other officials also in the room, Mr. Obama escorted both men, one at a time, to a corner of the room, to judge the dispute. How about replacing the word “recognize,” Mr. Obama suggested, with the word “note?”

The result: “The era of banking secrecy is over,” the final communiqué said. “We note that the O.E.C.D. has today published a list of countries assessed by the Global Forum against the international standard for exchange of tax information.” Hong Kong and Macao did not appear on the list.

In other words, be global by all means… but make sure you have a local attorney who helps you do everything legally and correct.

The attorney I use is Joe Cox.  You can reach Joe at jcox@coxnici.com.

Learn more about Joe Cox here.

Back to the fixer uppers.

If a person spends time in Ecuador  and stays alert, they’ll see many incredible fixer upper bargains.

Just over a year ago, Merri and I bought the four story office building shown above.   We began cleaning it up an converting two floors into condos.

I could sell these for double what I paid… and still have the two downstairs floors… though they are not for sale.

Construction costs are low. Local craftsmen are handy.  They’ll do things you ask.  So we can afford to use great tiles in the kitchen but keep costs down.

This was the third floor… the kitchen especially…

was a mess.

Here is the third floor now.

ecuador-banks

This if fully furnished with…

ecuador-banks

one bedroom and …

ecuador-banks

office/den (or second bedroom)  and…

ecuador-banks

balcony.   The kitchen now…

ecuador-banks

looks great.  The hardwood cabinets had not been installed when I took this shot.

This was the 4th floor, before…

now let’s head up the stairs and see  it after.

ecuador-banks

This is a loft studio with…

ecuador-banks

great light and an open feel with…

ecuador-banks

full dining area and…

ecuador-banks

kitchen.

ecuador-banks

These floors are among the highest points in the village and views from both units are the best around.  Morning’s give…

the sunrise over Mt. Imbabura.

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Evenings offer sunset in the east on Mt. Cotacachi.

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Views are great at night with the village alight.

ecuador-banks

and you can see the entire village…

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and both mountains during the day.

Where we had huge walls we said…”How about windows with a view?”.   The builder  figured out what height was needed to see Mt. Cotacachi and simply knocked the window openings in the walls. Then he built hardwood window surrounds that frame this view.

ecuador-banks

The bathroom includes a full tiled bathtub and spa shower like this.

ecuador-hotel-savings

The king size sleeping nook has this view also and is fully curtained…

ecuador-banks

with full hardwood closets.

ecuador-banks

These units are available for rental on a three, six or 12 month lease by the way.

Fixing up has property provided Merri and me with sopme nice extra profit… that is totally tax free in Ecuador. Though our last Ecuador fixer upper profits did create some US tax liability.

In these times of change the best ways to gain opportunity are with real estate, commodities, stocks and your own business.  For those who want to live full or part time in Ecuador and earn extra tax efficient profits, that avoid Ecuador capital gains, consider buying and fixing up Ecuador property.

Gary

Join us in Ecuador.

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

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

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

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

July 24-26 IBEZ North Carolina + Tangled Web

Oct. 9-11 IBEZ North Carolina + Tangled Web

Nov. 6-8  IBEZ Cotacachi + Tangled Web

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

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

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

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

See our full 2009 schedule here.


Ecuador Comparisons & Weather-Weathering Weather


We are on the road making Ecuador comparisons, weathering the weather and wishing for Ecuador weather.

In other words Merri and I have extended our Florida meanderings so we do not arrive back at our North Carolina farm in a snow storm.

We have been looking at Ecuador income potential and so let’s view this hotel for sale on Ecuador’s beach.

ecuador-comparisons

Ecuador weather looked pretty grey on the day I took these shots… but we never have to worry about snow!

Readers  often write asking about the weather in the Andes. If you look up Quito weather for example it says “Rain” almost every day.  This is a puzzle as it is not true. Here is a great history of Quito weather from the Washington Post at http://www.washingtonpost.com/wp-srv/weather/longterm/historical/data/quito_ecuador.htm.

Here are the average temps.

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The highs and lows.

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The rain.

ecuador-comparisons

We have been traveling though Florida getting a feel… wondering what has led us here.  Innocently wandering around… looking… checking…. waiting.

Of course the weather is great… though a bit sticky at times…. plus too dry right now. This is Florida’s third worst drought in history.

We can’t help but make comparisons with Ecuador.

Three things I noticed in the last two nights spent at Holiday Inns were:

First, when hotels here quote room rates…. they do not let you know of the tax.

In Ecuador we always provide this warning so guests know what the entire cost will be.

Secondly, hotels do not seem to have noticed the economic downturn.   Prices seem pretty high $119 for a Holiday Inn express and $129 for a Holiday Inn… plus the unmentioned taxes… for the typical box.This is double what our hotel costs at $59 (plus 22% tax).

Third, comes the free breakfast… overcooked buffets… terrible bakery pastries and everything served on foam plates and cups… with plastic knives and forks… without much (or really any service)… including the “wonderful” Smuckers jam.

I think of our hotel’s great cooked when you arrive, full breakfast… juice….fresh fruit made into an art form… hand made butter and hand made marmalade… plus choice of eggs in numerous ways… bacon or ham.  Though I have to be honest, I do not like the bread our hotel serves… next thing on my list to fix.

This is not a complaint… just a comparison.  Remember we are looking to buy in Florida because we also love it here.

Merri and  are having a great time. We are enjoying Florida’s warmth… seeing a lot of territory… ranging from Naples to Lakeland… Winter Haven… up to Clermont…. Mt Dora…  Tavares… Leesburg… Deland…  St Augustine… Palakta… Zeypher Hills plus some really out of the way (our favorite) places like Ridge Manor…  Crows Bluff…  Lady Lake… Fruitland Park.

This note is written from outside of Gainesville and today we inspect the Suwanee River.

The best place we have seen so far was remote… on the Withlacoochee River. We would have purchased this on the spot… except… it should be renamed…  Withlacoochee  Puddle!   We were very sad to see numerous lakes and rivers that are pretty much gone… during the terrible drought we are seeing here.

Multi Currency Thought

This reminds me of an important multi currency fact. The global economic downturn has driven the price of many shares down.. but has not stopped basic essential needs… like our need for water.

Shares of companies denominated in strong currencies that provide excellent needs can offer special value.

Take the water share we have followed for years… Hyflux.

Hyflux Ltd is company listed on the Singapore Stock Exchange that has a proprietary water filtering system that does business  in China, India, the Middle East and North Africa (MENA) region as well as Singapore and Southeast Asia.

These shares have fallen from a high of $4.88 to $1.72 as you can see in the chart below from uk.finance.yahoo.com

Ecuador comparisons

I’ll be sending a full report on the Hyflux shares to my Multi Currency subscribers shortly. You can enroll and study this report here.

Back to the Ecuador beach hotel for sale.

ecuador-comparisons

The owners is asking $600,000 and claims income of $180,000 a year with a net profit of $50,000.  If these figures are accurate… this is not a bad value spot to start negotiations.  Here is the beach nearby…

ecuador-comparisons

the ocean side pool…

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the area where the hotel is located. ecuador-comparisons

Though this day was grey… there is a reward that comes with the clouds. The moisture creates some spectacular sunsets… like this one shot a bit north of this hotel at Palmazul.

ecuador-comparisons

We viewed this hotel on a recent real estate tour and I am sending a full report to my Ecuador Living subscribers next week.   If you are not a subscriber and would like this report, you can learn how to subscribe to Ecuador Living here.

There are legal, asset protection and tax benefits that an overseas business can bring, but be sure to always have an attorney who is experienced in using overseas structures. The laws are complicated.  For specific information about using overseas structures correctly, you can learn more about Joe Cox here.  Contact  Joe Cox at jcox@coxnici.com

Regards,

Gary

Join us in Ecuador.

Delegates stay on this beach on our Ecuador mid coastal real estate tour.

ecuador-canadian-connection

Join our January Ecuador tours.

Jan.   8-11     Ecuador Export Tour
Jan. 13-14     Imbabura Real Estate Tour
Jan. 15-18     Coastal Real Estate Tour
Jan. 19-20    Quito-Mindo Real Estate Tour
Jan. 21-23    Cuenca Real Estate Tour

See the best Ecuador property for you.  Find the best real estate offers.  Know more of Ecuador. To help you experience a bigger adventure in this wonderful nation, to broaden your horizons, to expand your awareness of all Ecuador offers, we are providing deep discounts in 2010 for those who sign up for multiple tours.

We just added four South coast Ecuador tours that can help you gain extra savings with a multi tour pack.

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

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

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

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

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

If you plan to attend six or more seminars or tours in 2010 an International Club membership which allows you and a guest to attend as many of the 56 courses and tours we’ll sponsor and conduct in 2010  (fees would be $40,947 for all these courses individually) for only $2,999.

The International club fee rises to $3,500 this month  so enroll in the International Club now at the original fee of $2,999. Save $501.

International Club 2010

Attend our 56 investment, business, Spanish, real estate and export, courses and tours in 2010 with one small enrollment fee.

International Club 2010 Membership Enroll here

Here are the 56 courses and tours you can attend free. Plus there is even one more savings you will see below.

Jan.   8-11     Ecuador Export Tour
Jan. 13-14     Imbabura Real Estate Tour
Jan. 15-18     Coastal Real Estate Tour
Jan. 19-20    Quito-Mindo Real Estate Tour
Jan. 21-23    Cuenca Real Estate Tour

Join us in February or March.

Feb. 11-14   Quantum Wealth Florida -International Investing & Internet Business, Mt. Dora, Fl.

Feb. 15-16   Travel to and visit Quito
Feb  17         Travel to Manta
Feb. 18-19   Coastal Real Estate Tour
Feb. 20        Travel to Cotacachi
Feb. 21-22   Imbabura Real Estate Tour
Feb. 23-24  Quito-Mindo Real Estate Tour
Feb. 26-27  Cuenca Real Estate Tour

Mar. 11-14     Super Thinking + Spanish Course, Mt. Dora, Fl.
Mar. 15-16    Travel to Quito and Andes
Mar. 17-18     Imbabura Real Estate Tour
Mar. 19-20    Cotacachi Shamanic tour
Mar. 22-23    Coastal Real Estate Tour
Mar. 25-26    Cuenca Real Estate Tour
Mar. 28-29   South Coast Real Estate Tour

Apr. 12-15   Ecuador Export Tour ($499 or couple $749)
Apr. 17-18   Imbabura Real Estate Tour ($499 or couple $749)
Apr. 20-21  Coastal Real Estate Tour ($499 or couple $749)
Apr. 23-24  Quito-Mindo Real Estate Tour ($499 or couple $749)
Apr. 26-27  Cuenca Real Estate Tour ($499 or couple $749)

May  13-14     Ecuador Shamanic Minga  ($499 or couple $749)
May  16-17    Imbabura Real Estate Tour  ($499 or couple $749)
May  19-20    Coastal Real Estate Tour ($499 or couple $749)
May  22-23    Quito-Mindo Real Estate Tour  ($499 or couple $749)
May  25-26    Cuenca Real Estate Tour  ($499 or couple $749)
May  28-29    South Coast real Estate Tour ($499 or couple $749)

June 24         Quantum Wealth North Carolina
June 25-27    International Investing and Business North Carolina  ( $749 or couple $999)
June 28-29   Travel to Ecuador and Andes
June 30-Jy 1 Imbabura Real Estate Tour  ($499 or couple $749)
July 3-4          Coastal Real Estate Tour   ($499 or couple $749)
July 6-7          Quito-Mindo Real Estate Tour    ($499 or couple $749)
July 9-10        Cuenca Real Estate Tour   ($499 or couple $749)

Sept.   3-6      Ecuador Export Tour  ($499 or couple $749)
Sept.   8-9      Imbabura Real Estate Tour  ($499 or couple $749)
Sept. 11-12     Coastal Real Estate Tour   ($499 or couple $749)
Sept. 14-15     Cuenca Real Estate Tour    ($499 or couple $749)
Sept. 17-18     Ecuador Shamanic Minga  ($499 or couple $749)
Sept 20-21      South Coast Real Estate tour ($499 or couple $749)

Oct.    7          Quantum Wealth North Carolina
Oct.   8-10     International Investing & Business North Carolina ($749 or couple $999)
Oct.   11-12    Travel to Quito and Andes
Oct.  13-14     Imbabura Real Estate Tour ($499 or couple $749)
Oct.  16-17     Coastal Real Estate Tour ($499 or couple $749)
Oct.  19-20    Quito-Mindo Real Estate Tour ($499 or couple $749)
Oct. 22-23     Cuenca Real Estate Tour ($499 or couple $749)

Nov.    4-7        Super Thinking + Spanish Course Florida ($749 or couple $999)
Nov.    8-9       Travel to Quito and Andes
Nov. 10-11       Imbabura Real Estate Tour ($499 or couple $749)
Nov. 13-14      Coastal Real Estate Tour ($499 or couple $749)
Nov. 16-17      Quito-Mindo Real Estate  ($499 or couple $749)
Nov. 19-20     Cuenca Real Estate Tour ($499 or couple $749)
Nov  22-23      South Coast Real Estate Tour (($499 or couple $749)

Dec.   3-5       Ecuador Shamanic Mingo  ($499 or couple $749)
Dec.   7-8       Imbabura Real Estate Tour ($499 or couple $749)
Dec.  10-11    Coastal Real Estate Tour ($499 or couple $749)
Dec. 13-14     Quito-Mindo Real Estate Tour ($499 or couple $749)
Dec. 16-17      Cuenca Real Estate Tour ($499 or couple $749)

If you join the International Club, the entrance fee for 2010 is $2,999 (until January 2010).  Your attendance fees at all courses will be waived. You and your guest can attend courses worth $40,947.

You can calculate the savings as our schedule of all 2010 courses is shown below.

Arrival dates are always one or two days earlier. Please double check with us before booking flights.

I invite you to be a member of the International Club which allows you and your guest of your choice to attend all of these courses which are valued at $40,947!

International Club 2010 Membership Enroll here

You may well wonder why I would make such an offer and ask why the cost is so low? Let me answer this question frankly and from the heart.

First, it helps us do a better job for you. We feel greatly enriched when we can really help our clients improve their lives. We have learned through years of experience the best way to do this is to meet with you regularly. We can best help you learn how to improve your health and wealth through continual expansion of knowledge.

Second, we gain enormous fulfillment from the many friendships we form through the years. Our friends have enriched our lives tremendously. Let me explain this in more detail.

As a member, you will be part of our international family that meets intensively over the next year to examine ways we can make our lives better. Our goal is beyond just having money. Our goal is to have quantum wealth… good health… wealth and fulfillment through service.

Though I give all course delegates my very best, I cannot help but to do a better job for those who come again and again. As we meet often; your particular wants, needs and desires become clear, and it is easier for me to point you in the right direction.

Another phenomenon is that repeat delegates help each other! They get to know one another, help each other learn, share their insights, make contacts and gain more wealth.

Out associates in Ecuador, are experienced business people who live or work and conduct our real estate and export courses.  They can also act as your local backup for the business.

Lifestyle for Two. There is more! I have learned at my courses that many repeat delegates were couples.

We want couples! As a member of the program, you are entitled to bring another person to every single course or tour. The cost for that extra person will be ZERO!  You can bring whomever you wish. Bring your spouse, a friend, son or daughter, partner, accountant, adviser. You can bring the same person each time or a different person, whomever you choose to accompany you. (Accommodations and air fares relating to the courses are not included for members, delegates or their guests.)

Won’t you join us in this exciting club and share Merri’s and my lifestyle for the next year? We look forward to seeing you at as many courses as possible and sharing this wonderful world of abundance and well being with you!

Gary

International Club 2010 Membership  Enroll here

Cotacachi Mayor’s House


Recent messages looked at how Merri and I search for Cotacachi real estate.

The road paving we have been tracking is now done.

cotacachi-real-estate

In two directions…

cotacachi-real-estate

in less than two weeks.

We keep our eyes open every day and the search pays off.

Today, near Primavera II condos…

cotacachi-real-estate

Around the corner from Cotacachi’s Mayor’s house (which is for sale) …

cotacachi-real-estate

we spotted two old houses for sale.  This one is $25,000.

cotacachi-real-estate

and this, $36,000.

cotacachi-real-estate

These fixer uppers have huge lots, in the center of the village. They may be real sleepers.  We’ll see as we’ll inspect them on our Imbaburra real estate tour that begins tomorrow.

You can gain Cotacachi real estate information and Ecuador real estate contacts as an Ecuador Living subscriber. See details here.

Speaking of sleepers, this excerpt from today’s password protected multi currency course shows why European shares may be sleepers as well.

Here is the excerpt:

This multi currency update has three portions. First we see anther inflation indicator. Second we update our search for value. Third we end with some answers to questions from lesson one of our new updated primer course.

Recent inflationary events include the support by US authorities of Bank of America with a guarantee of liquidity and capital. B of A faces losses of up to $118 billion dollars.

The government gets shares in the bank worth $20 billion.  In other words the government stumps up about $88 billion (that it does not have).  This is inflation.

Citibank in trouble as well.

Jyske Global Asset Management wrote in its last market update three days ago:

Fears of further credit losses and rumours of another large US bank being nationalized dragged the international stock market down this week. The New Year rally last week is already forgotten, and investors are anticipating new lows in 2009.

Citigroup Inc. posted an $8.29 billion loss, only a few days after the announcement of their plans to sell the control of Smith Barney to rival Morgan Stanley.

Sales at U.S. retailers dropped in December for the sixth consecutive month (first time since 1992) and the most in three years.

S&P cut Greece’s long-term credit rating to A- with a stable outlook, due to its public and private debt and the budget deficit. The downgrade makes Greece the lowest rated country in the Euro zone.

Market participators are now speculating whether a Euro exit may become an option for some members of the Euro-bloc, analysts view Greece as the weakest economy within the Euro zone.

The European Central Bank (ECB) Thursday cut the Euro zone interest rate to the lowest level in more than 3 years.

As expected the main policy rate was cut by a half percentage point to 2%. The Danish Central bank followed the ECB with an even bigger cut of 75 basis pts to 3%.

#1: Falling interest rates are indicators for increased activity in share markets.

#2: Combine this with the fact that stock funds saw huge redemptions in 2008.

#3: Add in the next fact that international equity funds were among the most redeemed losing about a fourth of their total assets in 2008.

U.S. stock funds only had redemptions of about 10% of their assets.  Bond funds on the other hand experienced positive flows in 2008.

This increases my enthusiasm for international shares…especially in Europe.

Low interest rates plus markets that are oversold plus inflation all bode well for shares.

There are four ways to fight inflation; real estate, your own business, commodities and equities.   So depressed international equities in an atmosphere of low interest rates spells opportunity.

These three factors are the elements that create value because value investors are generally bucking the trend.

This is why last year my biggest equity position was in the Jyske Invest European Equity fund.  I picked a fund that was invested mostly in markets that Michael Keppler of Keppler Asset Mangement viewed as having the best value.

Keppler has changed some of his rankings this month so let’s review the change and see if my position still makes sense.

Let’s look at the geographical breakdown of the Jyske Invest European Equities fund I hold now.

This fund has departed quite a lot from the synchronicity it enjoyed with Keppler’s top values when I invested two years ago.  The fund’s portfolio is spread here now:

UK  24%
Germany 16%
Switzerland 13%
France 12%
Spain 7%
Netherlands 4.5%
Sweden 4%
Spain 4%
Finland 3%
Italy      2%
Greece 2%
Denmark 1.5%
Norway 1.5%
Luxembourg .5%
Ireland  0.5%
Austria 0.5%

The fund’s managers report says:

There are prospects of uncertainty in 2009. The world economy is struggling
and the optimism has turned into pessimism. Central banks and  governments have been busy introducing rescue packages and  interest-rate cuts. The help has been offered, but is it sufficient and when will it begin to show an effect? We
expect that 2009 will bring wide swings in the equity market. A lasting upturn is not likely to be just around  the corner. We are still looking at a longer period characterised by uncertainty before the optimists outnumber the pessimists.

For the fund we prefer cheap shares with prospects of earnings growth. That type of shares has historically yielded the best returns.

Though this fund no longer has the same value synchronicity with Keppler that it previously had, I’ll continue to hold this as I plan to increase my equity position. I can balance this fund’s holdings to better match Keppler’s rankings by adding Hong Kong, Singapore, Italian and other funds or ETFs.

You can learn more about Keppler’s market updates and the ETFs we use in our multi currency portfolio as a multi currency susbcriber.

Until next update, good global investing

Gary

Join Merri, me and Peter Laub of Jyske Global Asset Management at OUR INTERNATIONAL INVESTING & BUSINESS COURSE IN ECUADOR. We review economic conditions, Ecuador real estate, my entire portfolio plus investing and business ideas for the months ahead.

Gary

Your own business is a  good way to secure purchasing power. This is why Merri, our webmaster and I decided to create a new course on how to build a web business with a webmaster.  There is a special offer on this new course that expired to the general public last Tuesday…but is still available to you.  See the offer here.

Get this course FREE if you join us in Ecuador this February.

Feb 9-11 Beyond Logic Keys to More Wealth & Better Health

Feb. 13-15 International Business & Investing Made EZ

Feb. 16-17 Imbabura Real Estate Tour

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

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

Or join Merri, me and Thomas Fischer of Jyske Global Asset Management, July 24-26, 2009 in North Carolina for International Investing and Business Made EZ