Tag Archive | "web"

Micro Web Business Clue


Here is a micro web business clue… have a really tight niche in your internet business.

Internet-export-idea

Many readers learn how to have an Ecuador export and internet business. Here are delegates at our October 2009 Ecuador export course visiting the Hilana factory which makes a variety of textile products from Llama wool and cotton.

This is also why we are sharing a free course on how to create your own website without a webmaster written by Michelle Toole. Here is the 39th lesson in this FREE course.

The Power of a Super-Tight Niche
By Michelle Toole

When building a web business, ‘niches’ are where it’s at. You ask what’s a niche? Well a niche is web site idea or concept that addresses a particular target audience and the key is to find that sweet spot where you have high demand and low supply or competition.  Match that with your passion and the perfect set of web business building tools and that equals success.

But the question is what if your target audience is really small, low supply, low demand, should you still consider building a web business around a small or ‘super tight niche?’

Logically one would say no, a high demand, low supply niche drives large amounts of targeted readers/buyers to your site which means money in your pocket.  So why would someone deviate from a successful e-commerce formula?  Good Question and the simple answer is that at times a ‘super tight niche’ can be just right especially if it’s your passion!

Freeing yourself from the typical niche formula, low supply and high demand can open up some very tiny niches that one would otherwise overlook. If time is limited, passion is high, and the monetization model fits well, there are indeed times when a ‘super-tight niche’ can make perfect sense financially.

Let’s say that your web site niche concept has a demand of less than 1,000 which means less than a 1,000 people search for that term each month which is pretty small.  And there are around 250,000 pages containing that niche keyword, which is limited competition.  Should you say “Yeah” or “Nay” to that site concept?  Well it’s a challenging question and the key is in your monetization model.  If you are fairly confident that your planned monetization model(s) can support a narrow niche, meaning minimal traffic and you have a high return on investment per sale then ‘Go for it!’

Advantages to a Super Tight Niche

So what’s the first advantage of a super-tight niche?  A fast rise to fame.  With your focused content, optimized pages, and quality in-pointing links you win the keyword battles at the engines quite quickly.

With less competition it will be easier to find you in the search engines meaning you can rank higher sooner. And that means the faster your web site appears on the first page of Google.  Keep in mind, though, that while you will get traffic faster, you will max out your market that much faster as well. Your monetization plan must be rock solid and a natural fit.

You don’t need a lot of traffic if your monetization method includes a ‘very high return on investment’ (ROI). If your business is mortgages on Hollywood or New York City real estate, you may only need 100 customers a year to earn a very comfortable income.

The second advantage of a ‘super tight niche’ is the devoted following (i.e., your target market). If your content is excellent (which it has to be in a tight niche), your passion is real and your writing is appealing, you’ll win a loyal PREsold audience. In fact, the more passionate and knowledgeable you are, the stronger will be your audience’s attraction and attachment to your site which if you have a solid monetization model leads to that all important sale.

And finally and most importantly is that with a super tight niche your traffic tends to convert more easily into click-throughs and sales. This is because the visitors who are seeking information using your super tight niche keywords know exactly what they are looking for and generally it is something very specific. And that ‘specific need’ will be the basis of your monetization model.  Your visitors will be ‘highly targeted traffic’,  just the kind you want!

Bottom Line… A decently written “tight site” is a shoe-in to score well and generate super-focused traffic. Even though you’ll hit your max more quickly than wider niches do, what you “gain” overall more than compensates; a solid business that brings you both income and pleasure as you interact with people who share the same passion.

Gary

How We Can Serve You

How to Have Real Safety

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There are only three reasons why we should invest.  We invest for income.  We invest to resell our investments for more than we had invested.  We invest to make our world a better place.

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

This is why the core Pi model portfolio (that forms the bulk of my own equity portfolio) consists of 19 shares and this position has not changed in over two years.  During these two years we have been steadily accumulating the same 19 shares and have not traded once.

The portfolio has done well in 2017, up 22.6%, better than the DJI Index.

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However one or even two year’s performance is not enough data to create a safe strategy.

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

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

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

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

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Michael Kepler CEO Keppler Asset Management.

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

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

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

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

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

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

Here is the Pifolio I personally use.

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

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

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

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

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

Pi uses math to reveal the best value markets then protects its positions using more math created by Richard Smith founder and CEO of Tradestops.com to track each share’s trend.

We use Smith’s  algorithms that calculate momentum of the good value markets.

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The Stock State Indicators at Tradestops.com act as a full life-cycle measure that indicates the health of each stock. They are designed to tell you at a glance exactly where any stock stands relative to Dr. Smith’s proprietary algorithms.

Kepppler’s analysis shows the value of markets.  The SSI signal indicates the current trend of each stock (performing well, or in a period of correction, or stopped out).

The SSI tells you one of five things:

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Akey component of the Stock State Indicator (SSI) system is momentum based on the latest 521 days of trading.  A stock changes from red to green in the SSI system only after it has already gone up a healthy amount and has started a solid uptrend.

How SSI Alerts Are Triggered

If the position has already moved more than its Volatility Quotient below a recent high, the SSI Stop Loss will trigger.  This is an indicator that the position has corrected more than what is normal for this stock.  It means to take caution.

Below is an example of how SSIs work.  This example shows the Developed Market Pifolio that we track at Tradestops.com.

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Equal Weight Good Value Developed Market Pifolio.

At the time this example was copied, all the ETFs in the Developed Market Pifolio (above) currently had a green SSI.

We do not know when the US market will fall.  We only do know that it will.  We also do not know if, when the US market corrects, global markets will follow or rise instead.

The fact that the Pifilios are invested in good value markets reduces long term risk.

Additional protection is added by using trailing stops based on the 521 day momentum of each stock in the Pifolio.

Take for example the graph below from our Tradestops account that shows the iShares MSCI United Kingdom ETF.  This ETF had a green SSI and a Volatility Index (VQ) of 13.26%.  This means the share can move 13.26% before there is a trend shift.

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iShares MSCI United Kingdom ETF (Symbol EWU)

Pi purchased the share at$31.26 and in this example the share was $34.43 and rising.  Tradestop’s algorithms suggested that if the price drops to $31.69 its momentum would have stopped and it would have shifted into trading sideways.   The stop loss price is currently $29.86.  If EWU continues to rise, both the yellow warning and the stop loss price will rise as well.

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

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

No  one knows the answer to this question.

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

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

What you get when you subscribe to Pi.

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

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

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

You also receive two special reports.

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

I did well then, but always thought, “I should have invested more!”  Now those circumstances have come together and I am investing in them again.

The circumstances that created fortunes 30 years ago were an overvalued US market (compared to global markets) and an overvalued US dollar.  The two conditions are in place again!

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

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

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

This report sells for $29.95 but in this special offer, you receive the report, “Three Currency Patterns for 50% Profits or More” FREE when you subscribe to Pi.

Plus get the $39.95 report “The Platinum Dip 2018” free.

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

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

I have updated this report and added how to use the Dip Strategy with platinum.   The “Platinum Dip 2018” report shares the latest in a series of long term lessons gained through 40 years of speculating and investing in precious metals.  I released the 2015 report, when the gold silver ratio slipped to 80.  The ratio has corrected and that profit has been taken and now a new precious metals dip has emerged.

I have prepared a new special report “Platinum Dip 2018” about a leveraged speculation that can increase the returns in a safe portfolio by as much as eight times.

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

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

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

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

In 2018 I celebrate my 52nd anniversary in the investing business and 50th year of writing about global investing.  Our reports and seminars have helped readers have better lives, with less stress yet make fortunes during up and down markets for decades.  This information is invaluable to investors large and small because even small amounts can easily be invested in the good value shares we cover in our seminar.

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

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

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

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

Details in the online seminar include:

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

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

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

* How to improve safety and increase profit with leverage and staying power.  The seminar reveals Warren Buffett’s value investing strategy from research published at Yale University’s website.  This research shows that the stocks Buffet chooses are safe (with low beta and low volatility), cheap (value stocks with low price-to-book ratios), and high quality (stocks of companies that are profitable, stable, growing, and with high payout ratios). His big, extra profits come from leverage and staying power.  At times Buffet’s portfolio, as all value portfolios, has fallen, but he has been willing and able to wait long periods for the value to reveal itself and prices to recover.

keppler asset management chart

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

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

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

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

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

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

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

Save $468.90 If You Act Now

Subscribe to the first year of The Personal investing Course (Pi).  The annual fee is $299, but to introduce you to this online, course that is based on real time investing, I am knocking $102 off the subscription.  Plus you receive FREE the $29.95 report “Three Currency Patterns for 50% Profits or More”, the $39.95 report “Silver Dip 2017” and our latest $297 online seminar for a total savings of $468.90.

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Triple Guarantee

Enroll in Pi.  Get the basic training, the 46 market value report, access to all the updates of the past two years, the two reports and the Value Investing Seminar right away. 

#1:  I guarantee you’ll learn ideas about investing that are unique and can reduce stress as they help you enhance your profits through slow, worry free, easy diversified investing.

If you are not totally happy, simply let me know.

#2:  I guarantee you can cancel your subscription within 60 days and I’ll refund your subscription fee in full, no questions asked.

#3:  You can keep the two reports and Value Investing Seminar as my thanks for trying.

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

Subscribe to Pi now, get the 130 page basic training, the 120 page 46 market value analysis, access to over 100 previous Pifolio updates, the “Platinum Dip 2018” and “Three Currency Patterns For 50% Profits or More” reports, and value investment seminar, plus begin receiving regular Pifolio updates throughout the year.

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

Gary

Here is an Ecuador export delegate at Hilana.

Internet-export-idea

Learn about and see more Hilana export products below.

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Hilana products are one of many great Ecuador exports… the warmth of wool but the softness of cotton.  Merri and I love our Hilana bedspreads (we have them in many of the rooms at our hotel Inn Land of the Sun (formerly Meson de las Flores),  shirts and coats.  The minute the temperatures drop here in north Carolina we don our Hilana shirts like this one.

Here is a Hilana bedspread at our hotel eson de las Flores.

Ecuador visit

You can check out Michelle’s Toole’s web sites at http://healthy-holistic-living.com and http://home-remedies-and-natural-cures.com.

To get more great tips, like the ones above and to see how and what tools she used to create a successful on-line business go to http://sitesell-sbi.com

Ambato Condos & Apartments For Sale


Here is a paid advertisement for Ambato Ecuador condos & property for sale.

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Ambato Ecuador condos and commercial shops… Ecuador income producing property for sale.

Ambato is one of Ecuador’s important cities but has been largely ignored by expats.  This gives readers a chance to have income producing real estate at a lower price than you’ll typically find in Quito, Cuenca or Cotacachi.

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These are Ambato condos and income producing properties with this view.

San Juan de Ambato is a city of about 150,000 (half the size of Cuenca) located two hours + (depending on how fast you drive) south of Quito in the central Andean corridor.

The city is cut by the Ambato River and surrounded by tall mountains. This is the capital of the province of Tungurahua and is at an elevation of 7,500 feet (about the same as Cotacachi).  It is called the “City of Flowers and Fruit” and “Garden of Ecuador.”

Ambato’s economy includes fruit, tanneries, food products and textiles plus is a main transportation hub, since the Pan-American Highway passes through there.

The city of Ambato was founded in the late 1600s and declared independence from Spain in the early 1800s.  Ambato was the seat of the first printing press in Ecuador; this was originally installed in 1670 by Jesuit missionaries to print copies of the Bible.

Construction here is very solid due to a massive earthquake many years ago. It is described as one of the most earthquake-resistant places on earth.

Ambato is a modern city because all old buildings were destroyed by the earthquake.

Ambato enjoys a mostly warm and sunny climate. The average temperature during most of the year stays between 60 to 70 degrees F.

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The views from these condos cover most of Ambato.

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Long time reader Eddie Santamaria is an Ecuadorian living in New York. He began investing in Ecuador real estate years ago and wrote:

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I have four buildings for sale in Ambato for investors who would like to have rental income in Ecuador.

All the buildings are on or about 10 minutes from the main Centro De La Ciudad.  They are all near public transportation.  Herfrei 1 is on the corner of a busy “cinco esquinas” five corners of Pinllo.  The main intersection of the comings and going to and from the city.

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HERFREI I.

This is a corner building in the neighborhood known as Pinllo.

This building’s land is approximately 1,457 square feet.

This building consists of four floors.  On the first floor there are three store fronts:  One is appx. 235 square feet, one appx. 255 and one appx. 319 square feet.

The second and third floors are two bedroom apartments.   Apartment # 1 and # 3 are 689 square feet. Apartment # 2 and # 4 measure 825 square feet. The penthouse measures 1,431 square feet.

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Hefrei I Penthouse living room…

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and…

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dining room…

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bedroom…

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kitchen…

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bathroom.

This building does not have garages or spaces for garages.

The asking price for HERFREI I is $399,000.

HERFREI II is larger.
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This is the building shown on This building is also in Pinllo with a higher view.

This building’s land is appx. 4,465.40 square feet and the building has three floors, with nine apartment. Two are three bedroom and seven two bedroom.

HERFREI II has 9 garages. This building also has a communal garden for all tenants.  The asking price is $499,000.

The legal description of Santamaria 1 and 2 are not divided so they are for sale together.

ambato-ecuador-condos-for-sale

These buildings are also in Pinllo and located near the two Herfrei buildings.

The land is appx.  5,604 square feet  with  Santamaria 1 having 6 apartments on four floors.   The first floor consists of the lobby and garages. Floors two through four each have one, three bedroom, and one, two bedroom unit of appx. 1,150 square feet.

Santamaria II has four smaller apartments.

These buildings have 12 garages, a children’s playground, automatic glass doors at the main entrance and automatic steel doors at the entrance for cars with remote control.

These two buildings could be divided by the new owner. The asking price for both Santamaria buildings is $699,000.

Here are some income figures for each of the apartments.

Herfrei I rents for $115.00 per apaartment.

Herfrei II rents for $140.00 per apartment.

Santamaria 1 and 2 are brand new and not rented but should bring  $200-250 per apartment.  Some units in these buildings are occupied.  Furnishing is not included.

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These are…

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all of…

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top…

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quality construction.

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Eddie is also willing to exchange these properties for other Real Estate in the South America, the USA or Europe.

For more information on this Ambato real estate for sale contact Eddie Santamaria in New York at:
epsantamaria@msn.com

Phone No. 718-472-2900
Fax No. 718-472-2909

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Here…

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are…

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more…

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shots…

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of these…

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Ecuador condos for sale…

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in Ambato.

For more information on this Ambato real estate for sale contact Eddie Santamaria in New York at:

epsantamaria@msn.com
Phone No. 718-472-2900
Fax No. 718-472-2909

This is a paid advertisement so please contact Eddie… not me, with questions.

Gary

Eddie can arrange visits of these properties before or after our October, November and December real estate tours.

Because the ability to earn wherever you live is vital, we developed our course Tangled Web… How to Have an Internet Business.

I am willing to give you this $299 course free when you attend either our our North Carolina International Business & Investing seminar in October or November in Ecuador.  Sign up for either seminar and I will email you our Tangled Web… How to Have an Internet Business Course (offered at $299) free.

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

Join us in Ecuador.

Oct. 25-26 Imbabura Real Estate Tour

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

December 6-8 Beyond Logic Shamanic Tour

December 9-10 Imbabura Real Estate Tour

December 11-13 Ecuador Coastal Real Estate Tour

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

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

Cotacachi Olympics


Last year our Ecuador Living website introduced the Cotacachi Olympics.

The way to solve many of the world’s social and economic woes is to help youth worldwide gain confidence to learn skills that will make them productive.   Increased affluence in poor places is far more effective than vast armies in providing global security.

We aim our business and the activities of our foundation towards creating employment and improving education.

This is why we support the Cotacachi Olympics  program started by our friend, Jorge Quilumbaqui, to promote the ability of the Ecuador Indigenous to help themselves.

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Jorge Quilumbaqui at his latest real estate project. Primavera IV is in the background.

Jorge started off as a laborer but now is considered to be one of the indigenous elders in Cotacachi, an example to younger generations of how to prosper in what, years ago, was a difficult environment.

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Here’s Jorge, second from left, with Cotacachi’s former mayor Auki, standing with some of the medal winners from last year’s event. (The past mayor next to Jorge is wearing the white hat.)

Jorge hasn’t forgotten his roots though and employs dozens and dozens of builders in his various projects as well as local girls in his hotel in Cotacachi, Sumak Huasi.

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Our friend and reader Dave Wharton was Australia’s Pentathalon entrant in the Sydney Olympics.  He sent down his Olympic torch for the second Cotacachi Olympics.  Here is Dave with the torch.

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Dave sent this note to the Cotacachi Olympians:

GREETINGS FROM AUSTRALIA.
REMEMBER THE LEGENDARY CHASQUI MESSENGERS!!

In 2000 I ran with this TORCH,which carried the flame that started the Olympics in Sydney. There were many torches but only one flame that transferred from torch to torch all the way from Athens in Greece to Sydney in Australia.

In 2003  I brought the TORCH to Ecuador and runners carried it from the Mayan Ruins at Ruminchico outside Quito to Vilcabamba de Loja. Along the way many runners joined us in helping to revive the memory and spirit of the famous CHASQUI runners who came centuries before.  The run was organized by Oswaldo Munoz of  Nuevo Mundo Expeditions in Quito.

I wish Jorge Quilumbaci,Officials and Competitors success in running your MINI OLYMPICS and hope to visit you one day.

CHASQUI DAVE WHARTON
AUSTRALIA

This introduction was translated and read in Spanish and Quichua to the young Cotacachi Olympiads.

Chasqui runners were the main form of communication for the Inca Kings. The Incas did not discover the wheel and lacked a writing system but they set up a relay system for delivering information along the Capac Yan (Inca Trail). Only the swiftest athletes were chosen, usually running 2 miles at a time often covering 200 miles in under 24 hours.

We hope this contribution will further inspire the youth of the Andes onto great things.

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Some of the children, in good humor and ready to compete!

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Both boys and girls competed and the joy expressed as they competed, won and lost in good spirits was a pure pleasure to watch.

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Congratulations, Cotacachi on a second successful Olympics.

Gary

We hope we can help you attain Olympian success in business and life as well.  This is why we developed our course Tangled Web… How to Have an Internet Business.

I am willing to give you this $299 course free when you attend either our our North Carolina International Business & Investing seminar in October or November in Ecuador.  Sign up for either seminar and I will email you our Tangled Web… How to Have an Internet Business Course (offered at $299) free.

We look at many funky export ideas in these three courses.

For example when decoratng our latest rental unit we created wall art with these Otavalo scarves.

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All it took was the scarves, a stick and a bit of wood.

We visit Otavalo on our Ecuador export tours.

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There is so much…

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style. This is the entrance to the Plazas de los Ponchos in Otavalo.

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There is so much wonderful design….

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colors…

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textures and…

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uses from ponchos to…

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hammocks to…

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sweaters to…

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art and handicrafts to…

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reed furniture… musical instruments and rugs… mats, that the experience stimulates funky business ideas.

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

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

Oct. 9-11 IBEZ North Carolina

Or join us in Ecuador.

October 16-18 Ecuador Southern coastal tour Sold Out

Oct. 21-24 Ecuador Import Export Tour

Oct. 25-26 Imbabura Real Estate Tour

Nov. 6-8 IBEZ Ecuador Seminar

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

December 6-8 Beyond Logic Shamanic Tour

December 9-10 Imbabura Real Estate Tour

December 11-13 Ecuador Coastal Real Estate Tour

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

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

Ecuador Florida


This message on how Florida and Ecuador connect can help you enjoy everlasting wealth.

See how going from this view in Hong Kong from Bowen Road…

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to this… brought us more than a fortune.

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The leaf change has begun here in the Blue Ridge and autumn’s glorious message can help us improve our investing and business. I explain below.

Yesterday’s message, Ecuador Gold,  was about gold, good value real estate and the power of incorporating a PIEC (Personal Income Earning Corridor) in your life so you can:

1.    Do what you like.
2.    Act beyond money.
3.    Work with like minded souls.

One key to developing this PIEC is to know what you are investing in and… why.

Plato summed it up nicely about 2,500 years ago… investor… “know thyself.”

Take for example, what Merri and I knew about ourselves, as we headed south in our Honda mini van last week to look at over 20 properties in three days… a short list derived from researching hundreds of properties for sale.

Our hound, Ma, was with us… she is very happy about traveling more to Florida and less to Ecuador because she far prefers traveling in the golden rolling cave rather than being eaten (and then regurgitated) by the big, silver bird.

Merri and I were happy knowing that a common denominator between Ecuador and Florida is that each have a lot of sun at times when other places have a lot of cold!

As the autumn’s first frosts were appearing at our mountain home… we enjoyed the 85+ degree sunny weather.

A recent article entitled Ecuador Florida Connection looked at value real estate in both  Ecuador and Florida and evoked this response from a reader:  Gary, I love reading your daily emails. You are right about the many foreclosures in Florida but let me say that those foreclosures are mostly in places that would make you feel like a “gringo in Ecuador”.

I have checked on quite a few but the prices are just coming back down to what they are really worth.  Good luck in your quest !  I am trying to talk my wife into a place in Ecuador which she may warm up to a while.Maybe I can talk her into an inexpensive condo. What do have to offer preferably near the water (Salinas).

I replied: Agreed… but there is also appears to be a hole in the market for Central Fl property in the $1m to $750k range.  There are very few buyers. We have been watching prices tumble hundreds of thousands.  We are viewed one property that started at $800K+. It dropped $100K last week from $395 and is now down to $295K.  This is the sector where we are looking.

This property…

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with this view…

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started at $1.7 million dollars. Then Merri watched online it dropped to $1.2 million…then went to $899,000.  When we looked, it had dropped to $85o,000 and was down to $499,000 when it disappeared from the listing…foreclosed.  It is on a clear spring fed lake, has around 3 acres, all fenced, dock, boat house, large beautiful guest house, barn, pool, high ceilings and even a sauna/workout room AND in an excellent neighborhood near the historic town of Mt. Dora.

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The broker that showed this house to us is Shirley Peacock at Coldwell Banker All Stars  in Mount Dora (There are two CBs in Mt. Dora).  Her email is shirley.peacock@mfr.mlxchange.com whose attitude is to help make a sale, and if it is a foreclosure or a short sale, she has knowledgeable attorneys and doesn’t flinch on these sometimes “difficult” properties.  Usually where there is difficulty, there is profitability.  We have profited by her advice and knowledge and spent a lot of time with her and had a lot of fun looking at one after another beautiful great properties.

Why did we pass so quickly on this house?  It is certainly beautiful, has excellent value and had all the qualities we were looking for…but what it didn’t have for us as much privacy that we long for…but still what a value!

We have a very defined search for good value, Florida real estate that we would like to live in.   We use the Golden Rule of Business Simplicity…  “Our desires represent the desires of many others.”

In short, the Golden Rule of Simplicity means that… “Your Passions Represent Markets.”  Figure out what you love and why and you’ll have good, strong business and investing ideas.

Expanding on this example…Merri and I love living in the sun so we know many others do as well.  This means if we buy real estate in the sun and lakefront… at a good price… there is a good chance we can sell it later for a profit.

So we are looking for places where we would like to live… in the $750,000 to $1,000,000 range where we would like to live.

Yet this is not all.

First we expect to pay much less because of this flat spot in the market. We like to go where no one else is competing.

As we expand on this example we cannot leave out the importance of knowing where one is on the diffusion curve.

To understand this better, let’s look at research on diffusion models.

A well-known diffusion study followed the spread of a new hybrid corn in Iowa in the 1930s. There were 250 farmers in the area that were observed. The goal was to see how fast these farmers accepted and switched to the new hybrid, which was superior in every way to the existing corn that the farmers had been growing.

Though this hybrid cost less gave better, more dependable crops and higher yields, not all the farmers began to use the corn at once.

Only a few farmers started using the hybrid in 1932 and 1933. In 1934 16 more switched. Then in 1935 21 more followed. 1936 saw the highest switching when 61 farmers began using the hybrid. Then there were 46, 36, 14, and 3 that switched, leaving only two of the 254 farmers studied.

In this study, the original few who began using this corn were the Innovators. These are the adventurous people who will always try anything new. Innovators start trends but do not cause the trends to take off. They instead infect the Early Adaptors 16 who in 1934 and 21 in 1935 that began using the hybrid. These are the opinion leaders in the community that will cause the trend to spread. These are people that cause the trend to really spread.

They were followed by the Early Majority (the 36 who switched in 1936), the Late Majority (61 in 1937). Finally they are followed by the Deliberate (46 in 1938 and 36 in 1939), Skeptical Mass (14 in 1940 and 3 in 1941) finally leaving only the Laggards (the two who still had not adapted by 1941).

Whenever looking at your PIEC, ask  “Where am I most comfortable in the diffusion process?”

There is potential and a risk reward balance in every part of the curve. What counts is making sure you are in tune with the diffusion position of any idea that appeals to you .

For example even laggards can find exciting niche opportunities.   In fact some times laggards find themselves turned into innovators… such as the low tech Amish Lehman’s Catalog business.

Merri and I are well aware that we lay somewhere between innovators and early adapters.  We have worked and/or lived on every continent… visited over seventy countries and rarely had a month without a flight somewhere for 40 years.

We warn readers regularly that we are usually early in and early out.

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The view in the 1970s from my flat at #5 Bowen Road was something like this… except most of those skyscrapers did not exist!   After I left, real estate appreciated 20 – or 30 times.

We were into real estate in Hong Kong, Isle of Man, London, Naples, Florida and Ecuador when the majority thought the idea was crazy.  We earned nice profits in each place but prices rose dramatically as much as ten times or more after we exited.

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Manx real estate has skyrocketed since we left this wonderful British Isle.  Many of our real estate delegates there made much more than Merri and I did, because they stayed on.  This shot and many more by Jon Wornham can be seen here.

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London house prices, for homes like this, rushed upwards after I sold our Bedford Park, London house for 115,000 pounds. Today, even after the economic downturn, such a house would be in the millions.

Yet Merri and I have done very well and are perfectly happy because there are two ways to move along the evolutionary path of business and investing…. as settlers or as pioneers.

We sold this wonderful Naples, Florida home that…

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was 30 seconds walk to the beach and had a huge… glorious…

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garden. We moved…

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into this beat up, Blue Ridge farm house, with…

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a falling down barn, half burnt house and a most gosh awful 252 acre mess, plus…

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this old tin roofed house… in a really remote part of the Andes with 900+ acres of vine covered land.

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Many (maybe most) of our friends believed we were nuts! (And perhaps we were and are!)

Had we stayed in Hong Kong. Had we stayed in London. Had we stayed in the Isle of Man or in Naples… we might have millions of dollars more.

We spent years redoing, reclaiming, unearthing the treasures here in the Blue Ridge and building our country house which we love during the summer and fall…but not in the winter!

Yet viewing the autumn forest at dawn from our front porch here in the Blue Ridge gives me a greater thrill than any extra bucks.

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I could not be happier because it is important for each of us to know which type of investor and business person we are.

Comfort is one of the most important aspects of successful investing. If we make investments not in keeping with our nature, we will not be comfortable.  Without comfort, we are more likely to second guess ourselves and screw up. Restlessness and worry reduce the joy of affluence and reduce our investing and business effectiveness as well.

All of us need to invest in things that we feel are right to us.

For example when we moved out here to our North Carolina farm, many of our friends in the city thought we had lost our marbles.  Yet we have loved it.   Now that it is fixed up and worth many, many times our cost, we are considering selling part of the farm and reduce our position here.

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We plan to always have some position here… perhaps less than now.

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Lance Armstrong summed this idea up in a Time magazine article when asked about who to listen to about what to do in life when he said: “The important thing is to go around (collect data-get information). Then you really start to weigh your options. Which one feels right? It may not be the right decision, but it’s what makes you feel right.”

Why when we get everything fixed up… do we want to move on? The process… the challenge… the fun of creating, is what fulfills us…. more than the bottom line.   Once we have achieved our goal we like to move on… to the next project.

This understanding is vital to your investing and business.

Know yourself.

Know that ultimately you must make decisions for yourself.  Know that you can’t know everything.

Know that not every decision will bring maximum profit, but if it feels right for you and the process is enjoyable, you improve your odds of success.

Real estate in Ecuador is steady and rising.  Ditto for the Blue Ridge. Ashe Country real estate sales may have slowed but prices have not really faltered here.

We have been investing and creating in both the Blue Ridge and Ecuador for almost 15 years.  We love each place and will continue to enjoy them… but we love the next step as well so we are reducing our presence in each and adding Florida… with of all things… agricultural property… something we have never done.

This is a new challenge we believe makes good business sense… and for us… will be fun.

Next time you plan to invest or start a business… whether in Ecuador, Florida, North Carolina or wherever… think about yourself.  Are you a pioneer or a settler?   Where do you enjoy sitting on the diffusion curve?   Make the most of the entire process… money, fulfillment and fun by developing a PIEC that allows you to do what you like and act beyond money with like minded souls.

Gary

Because the ability to earn wherever you live is vital, we developed our course Tangled Web… How to Have an Internet Business.

I am willing to give you this $299 course free when you attend either our our North Carolina International Business & Investing seminar in October or November in Ecuador.  Sign up for either seminar and I will email you our Tangled Web… How to Have an Internet Business Course (offered at $299) free.

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

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

Oct. 9-11 IBEZ North Carolina

Or join us in Ecuador.

October 16-18 Ecuador Southern coastal tour Sold Out

Oct. 21-24 Ecuador Import Export Tour

Oct. 25-26 Imbabura Real Estate Tour

Nov. 6-8 IBEZ Ecuador Seminar

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

December 6-8 Beyond Logic Shamanic Tour

December 9-10 Imbabura Real Estate Tour

December 11-13 Ecuador Coastal Real Estate Tour

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

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

Ecuador Health Food


Ecuador’s food is health food… compared to food in the US… even Ecuador’s fast food is pretty good.

Many mistakenly think that Ecuador food is something like Mexican food. Nothing could be further from the truth. I have never seen a taco or antijito in Ecuador, although they are available in the big cities in chains.

Ecuadorian food is European if anything but blended nicely with Andean traditions… so it comes out darn healthy.

While in Cotacachi last week we visited with many friends and readers who have moved to Ecuador and heard a similar refrain… “I lost 22 pounds without even trying”. One delegate who has moved to Cotacachi about six months ago reported losing 38 pounds.

We visited our well known international friends, Dan Presher and Suzan Haskins, at their new Cotacachi condo.

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They were both looking so good, I asked their secret.  “We just lost weight without trying” was their reply.

Plus many report that shedding stress helps as well…. along with walking in the fresh mountain air.

Ecuador food is fresh.  On Ecuador’s coast, you can get seafood right from the fishing boats when they come in, like these fresh food shoppers at San Clemente .

Boats like this one just outside the hotel where we have our condos are dotted along the coast.

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The fishermen handle the boats through the surf.

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Then they head out to sea!

Merri and I meet the fishermen when they return with shrimp and fish and some langostinos.  The shrimp are large enough that two provided a meal!

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The Humboldt Current creates one of the world’s most productive nutrient-rich waters that rise along the coast. This is a perfect condition for abundant plankton which leads to an eco region that teems with huge schools of small fish like anchovies and sardines.

The cool waters of the Humboldt Current provide a constant supply of food for big fish such as Dorado (coryphaena hippurus – also called dolphinfish), barracuda (sphyraena indiastes), blue and black marlin, yellow-finned and long-finned tuna (thunnus albacares, thunnus alalunga), snook and many other species.

Here I am in San Vicente with dorado just north of Manta and adjoining San Clemente.

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Four world-record Pacific bigeye tuna (similar to yellow fin tuna) catches come from Ecuador ranging in size from 236 pounds  to 375-pounds.

Sea food includes Stripped Marlin, Tuna, Grouper, Wahoo and Corvina (seabass).

Trout is in the rivers and lakes of the Andes like this high country lake . ecuador-trout-site

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Trout grow well in the Andean Highlands above 7,000 feet, with average water and air temperature virtually constant year-round. The trout feed on scuds, leeches, small fish and various bugs.

Even the seafood in the Andes is fresh. Here is the Ibarra fish market were they bring the fish in overnight.

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Prices are really low… mostly about a dollar a pound.

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Plus there is Quinoa, a full protein grain of the Andes. We make our cake and bread gluten free and packed with protein at Meson de las Flores.  Here is one of our chef’s quinoa cakes with a fresh coconut pudding.

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There are no high fat, fast food franchises in the area. This is as close to a fast food as you’ll get in Cotacachi.

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Much better than a Big Mac!…corn roasted on a grill.

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Fruit is vine picked ripe and really cheap… every type… tropical and northern… apples, blackberries, cherries, strawberries and pears.

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For those interested in healthier nutrition, here are three nutritional tips sent to us by our friend Blaine Watson.

A diet high in turmeric may help reduce weight gain by suppressing the growth of new fat tissue, according to a study conducted by researchers from Tufts University and published in the Journal of Nutrition.The study was funded by the U.S. Department of Agriculture and a grant from the Higher Education Commission of Pakistan.

“Weight gain is the result of the growth and expansion of fat tissue, which cannot happen unless new blood vessels form, a process known as angiogenesis,” senior author Mohsen Meydani said. “Based on our data, curcumin appears to suppress angiogenic activity in the fat tissue of mice fed high fat diets.”Curcumin is an antioxidant chemical in the polyphenol family that naturally occurs in turmeric. In contrast to some phytochemicals, it is easily absorbed by the body.

Researchers fed two groups of mice identical high-fat diets, supplementing the diets of the half the mice with 500 milligrams of curcumin per kilogram of body weight per day. They found that mice in the curcumin group had significantly lower blood cholesterol and significantly less microvessel density in fat tissue than the mice in the control group, implying less blood vessel growth and thus less overall growth of fat tissue. The livers of mice in the curcumin group also contained significantly less fat than those of the mice in the control group.

“In general, angiogenesis and an accumulation of lipids in fat cells contribute to fat tissue growth,” Meydani said.The researcher also noted that “curcumin appeared to be responsible for total lower body fat in the group that received supplementation.”In a similar study conducted on cells rather than animals, the researchers also found curcumin to suppress angiogenesis. The chemical also appeared to suppress the expression of two genes linked to angiogenesis in both the mouse and cell experiments.

I wanted to remind everyone  that turmeric is to be used with some degree of awareness. We never eat it raw. It must be cooked in our food. Capsules are therefore not an option.  We use only organic turmeric. The regular turmeric you buy for example in an Indian store is heavily adulterated with chalk and talcum powder and food coloring.

We also use turmeric sparingly. It is highly highly effective in purifying the liver. The North American/Western diet and lifestyle is highly toxic with many many sources of impurities which are metabolized and stored in the liver. When turmeric is introduced to the diet these toxins/impurities are squeezed from the liver (this would be a contributing factor to weight loss) and this is a good thing but not if it is overwhelming to the body. Detox crisis is a real possibility.

A gentle and universal curry for western palates would be something like:

3 parts powdered coriander
3 parts powdered fennel
1-2 parts powdered cumin
1-2 parts turmeric

Sign in with Blaine Watson for his immensely wise and interesting free ezine:  blainepw@gmail.com

Here is turmeric sold in the Cotacachi market.

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Many products sold in the local markets are organic like this sign in Cotacachi market… “productos organicos here.”

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The national drink of Ecuador is herbal tea… not espresso cafe… real infusions made from the fresh plants purchased in the market.  Much healthier… even medicinal!

Here are teas being sold in Otavalo market.

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Here is star anise great for making Tea-Masala.

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Here is a traditional shamanic purification tea to be drunk and bathed in.

One part sweet pepper pictured here (called black cardomon in the US).

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Boiled with cinnamon bark and chamomile.

Our staff serve wonderful, healthy welcome drinks… alfalfa juice with mango and …

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Mango juice with blackberry.

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Our coffee breaks include quinoa puddings…

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Toasted corn.

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This is a favorite and…

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so much healthier than coffee and doughnuts!

This coffee break has fresh fruit… gooseberries and hand made chocolate dipped, coconut balls. even the coconut is fresh and hand shredded.

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I have the staff make us a few extra as they do not last long!

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or do Eduardo’s fresh strawberries dipped in Ecuador chocolate.

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On the subject of chocolate, my favorite desert is this chocolate pancake… yet we lose weight eating here!

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The qunioa welcome cake is our chef’s specialty.

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The hotel’s food is fresh. Here Meson’s manager Franklin Sandoval brings in just picked veggies fresh from the market.

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A typical high protein meal, quinoa, avocado and shrimp.

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Here is a variation on the theme… shrimp… with quinoa and vegetables “al dente” in a carrot sauce.

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Organic Swiss cheese is produced near the hotel.

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This holiday soup is made with 12 grains, fish, egg and avocado.

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Even our butter and…

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ice cream, are hand made from fresh cream and fruit juices by the staff.

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Plus the care that the staff put in the service and the food… catsup is hand made and never delivered in a bottle but in a hollowed out fruit.

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Plus the staff care about giving you beauty like this…

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arrangement of forks.  The staff are always thinking of ways to make your food a bit more delightful.

So of health and better nutrition… you do not need to think Ecuadorian health food… just eating Ecuador food can be enough!

Gary

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

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

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

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

See details of the two seminar below.

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Delegates at our Ecuador seminars and tours enjoy Ecuador music.

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

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

Oct. 9-11 IBEZ North Carolina

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

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

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

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

October 16-18 Ecuador Southern coastal tour Sold Out Waiting List Only

Oct. 21-24 Ecuador Import Export Tour

Oct. 25-26 Imbabura Real Estate Tour

Nov. 6-8 IBEZ Ecuador Seminar

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

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

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

Last Chance Essential Oils


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

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

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

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

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Candace with group at Lake Titicaca.

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Candace checking out herbs at the market.

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Candace on the trip to Machu Picchu.

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

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

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

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

See August’s newsletter about proper care.

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

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

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

Our Best to You,
Candace and John Newman

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

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

Lavender 10 ml

Tea Tree 10 ml

Peppermint 10 ml

Eucalyptus 10 ml

Orange 10 ml

Frankincense 10 ml

Rose otto 4 ml

Geranium 10 ml

Lemon 10 ml

Sandalwood 10 ml

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

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

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

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

It contains:

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

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

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

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

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

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Essential Oil Mist Sampler Details Here

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

Gary

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

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

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

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

See details of the two seminar below.

ecuador-seminars

Delegates at our Ecuador seminars and tours enjoy Ecuador music.

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

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

Oct. 9-11 IBEZ North Carolina

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

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

ecuador-exports

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

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

October 16-18 Ecuador Southern coastal tour One Place Left

Oct. 21-24 Ecuador Import Export Tour

Oct. 25-26 Imbabura Real Estate Tour

Nov. 6-8 IBEZ Ecuador Seminar

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

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

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

Internet Business Haro


New micro internet business opportunities arise all the time… Your own small internet business is a great way to make money… but there is something more.

Cotacachi-Ecuador-Condo-Rent

Morning on Cotacachi Ecuador’s plaza may be foggy but the economy is sunny and bright… and

I was sitting on our balcony at our hotel Inn Land of the Sun (formerly Meson de las Flores) in Cotacachi Ecuador… looking at the sunrise view.

internet-business-view tags;

Mt. Cotacachi was on my left.

internet-business-view tags;

Mt. Imbabura on my right.

internet-business-view tags;

The time was 5:36 am and I began my first round of answering my email.

The first note opened had the subject Om Bir and the email said:  Hello sir,  Nameste. T his is lalit from Nepal. i m working from two yrs. in roses. as a farm supervisor. we are exporting roses to japan.i’ll write you more about company.looking forward your reply.  lalit  kathmandu

What a wonderful way to start the day… I am in a small mountain village getting blessings from someone in mountains half way around the world.  Namaste means “may that which is in God be within you.”

We offer a course to help our readers start their own web business. This freedom not only makes life more enjoyable but also reduces the cost of living.

Technology brings us so many blessings… the things we take for granted… air travel… electricity… computers… cars… the internet… would be considered miracles for 99% of mankind that has existed.

Yet we can with the push of a button gain blessings… and business from around the world.

This is why we are sharing a free course on how to create your own website without a webmaster written by Michelle Toole. Here is the 38th lesson in this course.

What’s HARO?  By Michelle Toole

So you’re interested in starting your own self publishing business on the internet? Or maybe you have a book that you wrote and want to make a name for yourself?    Well, I have a great tip for you…..actually, it’s a great tip for anybody wanting to establish themselves as an expert and this will help you build your own ‘brand of one.’

Editors, as Merri always reminds us, are “always looking for content” and the same goes for reporters, bloggers, radio hosts and pod cast hosts.   So, how do you connect with editors, reporters, bloggers, radio hosts and pod cast hosts that need you?  Good Question….

And I have a great answer…. HARO.  What’s HARO?

HARO stands for ‘Help a Reporter Out’, a web site (helpareporter.com) started by Peter Shankman and it is an excellent resource for those of us trying to build our own ‘brand of one.’

According to Peter, “I built this list because a lot of my friends are reporters, and they call me all the time for sources. Rather than go through my contact lists each time, I figured I could push the requests out to people who actually have something to say.  These requests only come from reporters directly to me.”

Once you sign up to Peter’s web site you will get 3 emails each day.  Each email will include a list of reporters, bloggers, radio hosts and pod cast hosts looking for sources for their stories.  Of course it’s not likely that you will find someone looking for your expertise on a daily basis, but I wouldn’t be surprised if you find something every other month.  It’s certainly worth your time and the best way to build your ‘brand of one’ is to put yourself out there.

Good Luck and happy Branding!…

You can check out Michelle’s web site at http://healthy-holistic-living.com and http://home-remedies-and-natural-cures.com.  To get more great tips, like the ones above and to see how and what tools she used to create a successful on-line business go to http://sitesell-sbi.comInternat Business Ideas

The sun always shines somewhere. Because many Americans are headed south… business is suffering in the north… but getting better n the sun!

Gary

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

This is why we are providing a special three for one offer with our  course Tangled Web… How to Have an Internet Business. This can help you create your own internet business.

How We Can Serve You

How to Have Real Safety

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There are only three reasons why we should invest.  We invest for income.  We invest to resell our investments for more than we had invested.  We invest to make our world a better place.

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

This is why the core Pi model portfolio (that forms the bulk of my own equity portfolio) consists of 19 shares and this position has not changed in over two years.  During these two years we have been steadily accumulating the same 19 shares and have not traded once.

The portfolio has done well in 2017, up 22.6%, better than the DJI Index.

motif

However one or even two year’s performance is not enough data to create a safe strategy.

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

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

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

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

Fwd: keppler

Michael Kepler CEO Keppler Asset Management.

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

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

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

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

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

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

Here is the Pifolio I personally use.

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

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

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

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

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

Pi uses math to reveal the best value markets then protects its positions using more math created by Richard Smith founder and CEO of Tradestops.com to track each share’s trend.

We use Smith’s  algorithms that calculate momentum of the good value markets.

dr richard smith

The Stock State Indicators at Tradestops.com act as a full life-cycle measure that indicates the health of each stock. They are designed to tell you at a glance exactly where any stock stands relative to Dr. Smith’s proprietary algorithms.

Kepppler’s analysis shows the value of markets.  The SSI signal indicates the current trend of each stock (performing well, or in a period of correction, or stopped out).

The SSI tells you one of five things:

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Akey component of the Stock State Indicator (SSI) system is momentum based on the latest 521 days of trading.  A stock changes from red to green in the SSI system only after it has already gone up a healthy amount and has started a solid uptrend.

How SSI Alerts Are Triggered

If the position has already moved more than its Volatility Quotient below a recent high, the SSI Stop Loss will trigger.  This is an indicator that the position has corrected more than what is normal for this stock.  It means to take caution.

Below is an example of how SSIs work.  This example shows the Developed Market Pifolio that we track at Tradestops.com.

tradestops

Equal Weight Good Value Developed Market Pifolio.

At the time this example was copied, all the ETFs in the Developed Market Pifolio (above) currently had a green SSI.

We do not know when the US market will fall.  We only do know that it will.  We also do not know if, when the US market corrects, global markets will follow or rise instead.

The fact that the Pifilios are invested in good value markets reduces long term risk.

Additional protection is added by using trailing stops based on the 521 day momentum of each stock in the Pifolio.

Take for example the graph below from our Tradestops account that shows the iShares MSCI United Kingdom ETF.  This ETF had a green SSI and a Volatility Index (VQ) of 13.26%.  This means the share can move 13.26% before there is a trend shift.

tradestops

iShares MSCI United Kingdom ETF (Symbol EWU)

Pi purchased the share at$31.26 and in this example the share was $34.43 and rising.  Tradestop’s algorithms suggested that if the price drops to $31.69 its momentum would have stopped and it would have shifted into trading sideways.   The stop loss price is currently $29.86.  If EWU continues to rise, both the yellow warning and the stop loss price will rise as well.

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

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

No  one knows the answer to this question.

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

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

What you get when you subscribe to Pi.

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

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

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

You also receive two special reports.

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

I did well then, but always thought, “I should have invested more!”  Now those circumstances have come together and I am investing in them again.

The circumstances that created fortunes 30 years ago were an overvalued US market (compared to global markets) and an overvalued US dollar.  The two conditions are in place again!

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

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

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

This report sells for $29.95 but in this special offer, you receive the report, “Three Currency Patterns for 50% Profits or More” FREE when you subscribe to Pi.

Plus get the $39.95 report “The Platinum Dip 2018” free.

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

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

I have updated this report and added how to use the Dip Strategy with platinum.   The “Platinum Dip 2018” report shares the latest in a series of long term lessons gained through 40 years of speculating and investing in precious metals.  I released the 2015 report, when the gold silver ratio slipped to 80.  The ratio has corrected and that profit has been taken and now a new precious metals dip has emerged.

I have prepared a new special report “Platinum Dip 2018” about a leveraged speculation that can increase the returns in a safe portfolio by as much as eight times.

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

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

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

seminars

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

In 2018 I celebrate my 52nd anniversary in the investing business and 50th year of writing about global investing.  Our reports and seminars have helped readers have better lives, with less stress yet make fortunes during up and down markets for decades.  This information is invaluable to investors large and small because even small amounts can easily be invested in the good value shares we cover in our seminar.

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

stock-Charts

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

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

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

Details in the online seminar include:

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

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

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

* How to improve safety and increase profit with leverage and staying power.  The seminar reveals Warren Buffett’s value investing strategy from research published at Yale University’s website.  This research shows that the stocks Buffet chooses are safe (with low beta and low volatility), cheap (value stocks with low price-to-book ratios), and high quality (stocks of companies that are profitable, stable, growing, and with high payout ratios). His big, extra profits come from leverage and staying power.  At times Buffet’s portfolio, as all value portfolios, has fallen, but he has been willing and able to wait long periods for the value to reveal itself and prices to recover.

keppler asset management chart

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

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

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

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

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

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

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

Save $468.90 If You Act Now

Subscribe to the first year of The Personal investing Course (Pi).  The annual fee is $299, but to introduce you to this online, course that is based on real time investing, I am knocking $102 off the subscription.  Plus you receive FREE the $29.95 report “Three Currency Patterns for 50% Profits or More”, the $39.95 report “Silver Dip 2017” and our latest $297 online seminar for a total savings of $468.90.

ecuador-seminar

Triple Guarantee

Enroll in Pi.  Get the basic training, the 46 market value report, access to all the updates of the past two years, the two reports and the Value Investing Seminar right away. 

#1:  I guarantee you’ll learn ideas about investing that are unique and can reduce stress as they help you enhance your profits through slow, worry free, easy diversified investing.

If you are not totally happy, simply let me know.

#2:  I guarantee you can cancel your subscription within 60 days and I’ll refund your subscription fee in full, no questions asked.

#3:  You can keep the two reports and Value Investing Seminar as my thanks for trying.

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

Subscribe to Pi now, get the 130 page basic training, the 120 page 46 market value analysis, access to over 100 previous Pifolio updates, the “Platinum Dip 2018” and “Three Currency Patterns For 50% Profits or More” reports, and value investment seminar, plus begin receiving regular Pifolio updates throughout the year.

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

Gary

ecuador-wine and cheese

We’ll have Ashe county wine tasting here at the New River Vineyard during our Blue Ridge seminars.

Or head south to Ecuador!

international-business-made-ez

Let our friendly staff at our Inn Land of the Sun (formerly Meson de as Flores) serve you.

otavalo-hotel-for-sale

In Cotacachi and surrounds the weather is always spring like.  Here are delegates taking a shirt sleeve, winter break at a hotel for sale on our Imbabura real estate tour.

ecuador-internet-business

Winter is shorts weather on Ecuador’s coast. Here I am working in February at our Ecuador coastal penthouse… shirtsleeves and shorts!

Join us in the mountains and at the sea. Attend more than one seminar and tour and save.

Investing in Chaos


Many recent messages have looked at living, business and investing in chaos during times of turmoil and change.

investing-in-chaos

Ecuador at times may seem chaotic.

Chaos is caused by transition from one wave of productive technology to another.

Investors and businesses who understand this have an enormous advantage because they know to look for the next wave.

In a moment, we’ll look at the potential for chaos in Ecuador.

First, let’s look at some positive chaos that could ruin some basic utilities but also create millions (maybe billions) for some businesses and investors.

The industrial revolution has been a time of continual chaos.  There was a time of turmoil when mankind shifted from steam technology to the internal combustion engine. Investors who had been big in railroads (but were smart) shifted to investing in automobiles and trucking and bus lines.

Then chaos came again when the jet engine made the airplane a more effective form of transportation than long distance.  Bus travel and smart investors shifted from Greyhound into airline shares.

In the information era; the PC, Internet (and Microsoft) became the major carrier of mankind and investors who saw this potential once again jumped ahead of the pack.

Where do we go next?

One new wave of technology may come in a product we all take for granted…. creating what I would call the independence era. Let’s just look at the break through.

A forward looking reader sent me the Utah Daily Herald article “New battery could change world, one house at a time” by Randy Wright.

Here is an excerpt:  On a modest building on the west side of Salt Lake City, a team of specialists in advanced materials and electrochemistry has produced what could be the single most important breakthrough for clean, alternative energy since Socrates first noted solar heating 2,400 years ago.  — a new generation of deep-storage battery that’s small enough, and safe enough, to sit in your basement and power your home.

It promises to nudge the world to a paradigm shift as big as the switch from centralized mainframe computers in the 1980s to personal laptops. But this time the mainframe is America’s antiquated electrical grid; and the switch is to personal power stations in millions of individual homes.

The battery breakthrough comes from a Salt Lake company called Ceramatec, the R&D arm of CoorsTek, a world leader in advanced materials and electrochemical devices.

The convergence of these two key technologies — solar power and deep-storage batteries — has profound implications for oil-strapped America.

With small-scale electrical generation taking place at millions of individual homes — as opposed to today’s large-scale power generation from a handful of giant power plants — there would be less worry about what’s called “point failure” on the grid. That’s when a single component gets knocked out and shuts off power to a whole region. California-style rolling blackouts would be history.

The threat of terrorism has heightened the worry. But wide distribution of batteries in homes would virtually eliminate it.

Inside Ceramatec’s wonder battery is a chunk of solid sodium metal mated to a sulphur compound by an extraordinary, paper-thin ceramic membrane. The membrane conducts ions — electrically charged particles — back and forth to generate a current. The company calculates that the battery will cram 20 to 40 kilowatt hours of energy into a package about the size of a refrigerator, and operate below 90 degrees C.

This may not startle you, but it should. It’s amazing. The most energy-dense batteries available today are huge bottles of super-hot molten sodium, swirling around at 600 degrees or so. At that temperature the material is highly conductive of electricity but it’s both toxic and corrosive. You wouldn’t want your kids around one of these.

The essence of Ceramatec’s breakthrough is that high energy density (a lot of juice) can be achieved safely at normal temperatures and with solid components, not hot liquid.

Ceramatec says its new generation of battery would deliver a continuous flow of 5 kilowatts of electricity over four hours, with 3,650 daily discharge/recharge cycles over 10 years. With the batteries expected to sell in the neighborhood of $2,000, that translates to less than 3 cents per kilowatt hour over the battery’s life. Conventional power from the grid typically costs in the neighborhood of 8 cents per kilowatt hour.

Re-read that last paragraph and let the information really sink in. Five kilowatts over four hours — how much is that? Imagine your trash compactor, food processor, vacuum cleaner, stereo, sewing machine, one surface unit of an electric range and thirty-three 60-watt light bulbs all running nonstop for four hours each day before the house battery runs out. That’s a pretty exciting place to live.

And then you recharge. With a projected 3,650 discharge/recharge cycles — one per day for a decade — you leave the next-best battery in the dust. Deep-cycling lead/acid batteries like the ones used in RVs are only good for a few hundred cycles, so they’re kaput in a year or so.

How do you recharge? By tapping your solar panels or windmills. It’s just like plugging in your cell phone or iPod, only you plug in your house.

A small three-bedroom home in Provo might average, say, 18 kWh of electric consumption per day in the summer — that’s 1,000 watts for 18 hours. A much larger home, say five bedrooms in the Grandview area, might average 80 kWh, according to Provo Power. Either way, a supplement of 20 to 40 kWh per day is substantial. If you could produce that much power in a day — for example through solar cells on the roof — your power bills would plummet.

“Batteries and PV are about to merge,” said MIT’s Nocera, using the shorthand for “photovoltaics” or solar power. “First Solar is now saying that it takes $1 a peak watt to manufacture, and another 80 cents for installation. So they’re saying that you can get PV for under $2 a watt. That’s a reduction of cost by a factor of four. Only a few years ago, it was $8. If CoorsTek and Ceramatec come up with a good battery, the market will develop quickly.”

The long-term impact of home electric generation for a power company’s business model could be huge. After all, you can’t stay in business if nobody’s paying for power. Exactly how that will play out remains to be seen.

This technology is new to me… but seems breathtaking and loaded with opportunity.  Please send any thoughts, ideas, information or opinions you have.

Before you invest though, remember the golden rules of investing.

1. Money isn’t everything
2. Work only with people you like
3. Buy businesses, not stocks
4. Invest only in what you understand
5. Don’t over diversify
6. Keep looking for new opportunities
7. Buy businesses you plan to keep for life
8. Look for businesses that are available at a good price
9. Do what you like

Potential Ecuador Chaos

investing-in-chaos

The people of Ecuador are friendly and happy.

There is some potential for change in Ecuador that could benefit those moving and investing there.

First, let’s look at the cause of the turmoil.  A recent message entitled Investing Internationally shared news about the Ecuadorian government’s plan to take back a number of radio and TV frequencies stations. We promised to stay tuned to what happens and share observations and opinions from trusted sources in Ecuador about this.

Since that time, the Western press has published even more bad sounding news.

A recent AP article entitled “Ecuador Wants Citizen Committees To Defend Gov’t” said:  QUITO, Ecuador — Ecuador wants to create local citizen committees that would defend the government and its “revolution” — sparking criticism that the president aims to control opponents in a system reminiscent of Cuba or Venezuela.

Citizen Participation Minister Doris Soliz told Ecuador TV on Thursday that local citizen groups are needed to defend against coups like the one that recently deposed Honduran President Manuel Zelaya, or against outside agitators, noting U.S. military plans to use Colombian bases.

Other articles covered lots of rhetoric from Venezuela’s President about winds of war in the area (Chavez’s commenting on the announcement that the US would place military in Colombia).

Since the daily press distort, dramatize and magnify the negative; here are more comments from Ecuadorian business people with this comments.

Dear Gary: Sorry for the delay in my reply.  Correa is an unpredictable president.  On one hand he tries to emulate everything Chavez has done in Venezuela.  It is clear that Chavez gave him millions to finance his political campaigns and now he is obligated to do whatever Chavez wants.

On the other hand, he knows how far he can push the people of Ecuador.  If he is not careful, he can end up like Zelaya in Honduras.  I see strong confrontations coming if he tries to close radio and TV stations like Chavez did.

As you say in your reports.  We all need to be diversified in order to avoid problems in one place and not have anywhere to go in thing go bad.  I do believe the Ecuadorians are not as passive as the Venezuelans, and if Correa pushes too far he will find out. Let’s wait and see.

I agree with this reader. Ecuadorians are an independent people, and I have watched them (peacefully) oust a number of Presidents who abused their power.

Here is another opinion from one of my many sources.

Gary,  My comments are just some personal opinions and for that reason I prefer that I not receive any credit.   There is some noise going around that Correa wants to have “block leaders” who will report back to the government of any dissent. You can imagine what this means. Stifling dissent. It is a time to be careful and hope the Ecuadorian military remains faithful to the people of Ecuador. While there are so many needs and opportunities in Ecuador to be attended to, one could ask why does the president feel it is necessary to be out speaking of “winds of war blowing” against Colombia?
Anyway, it all comes with the territory of being in the Latin governmental world I suspect.  If the leaders were just humble people looking to improve the lot of their people instead of being megalomaniacs hell bent on being Castro or Hitler, life would be easier for all.

investing-in-chaos

Here are children in a parade in Cotacachi.

Readers should note that it was not Correa, Ecuador’s president who made the comment about Winds of War but Chavez of Venezuela. A lot of press makes it sound like Correa is much more closely aligned with Chavez than I believe he is.  Good or bad, I do believe that Correa is his own man and is pretty independent.

Here is another comment by an Ecuadorian with a great political and historical background.

Thanks for asking.  Correa. He is all right.  His big problem is being too young.  There is
a proverb in Spanish “mas sabe el diablo por viejo que por diablo”.  (
The devil knows more because he’s old than because he’s the devil). That is Correa’s problem.  He is not old enough.  Velasco Ibarra who was president five times, was very much like Correa, when he was young. When he grew older he became much more sedated.

Again I agree with this. Everything I have seen has led me to feel that Correa has many good intentions and is trying to correct many wrongs and has a big job.  In his youth he may be too ambitious and impatient.  Time, inertia and politics should correct a lot of that!

Here are more comments.

He usually talks too much.  He talks every Saturday for 3 or 4 hours continuously.  It is not highly recommendable to quote him or mention his speech. Sometimes he just changes his mind. Or does not follow what he mentioned in the previous weekend.

That could describe more than one politician!

I have met the President a couple of times. He actually stopped next to us on the street at 9pm at night and met our son and was very sincere and asked what we thought about how things were here in Ecuador.  He is very headstrong, but I think that he is a very intelligent guy and he knows how to negociate  and what it is going to take for Ecuador to become a stable economy and that is with foreign investment and tourism.

Again this is the way I see it as well.

This is from a Quito businessman:

Dear Gary:  Many thanks for sharing the concerns some of your readers have about President Correa. I get some emails on the subject too.  I should start by saying that I am no fan of President Correa,  far from it. I don’t particularly like his discourse as if from the union trenches of the 60s and 70s.

Some of his economic policies seem to go counter current and his relative closeness with Chavez is a blemish.

Nonetheless, there are merits too, amongst which is great effort in improving education and health care. Also, in attempting to fix some wrongs and distortions we’ve had on several fronts.

In spite of Correa’s antics, Ecuador continues to offer, and perhaps more so than ever, rather remarkable opportunities for real estate investors, visitors and expats.

Let me explain:

The new, fresh-out-of-the-oven, Ecuadorian Constitution states, following with the tradition of the previous one, that foreigners have exactly the same rights as Ecuadorians under the law.

Furthermore, private property is protected under the law as one of the main pillars of our economy. Confiscation is prohibited and eminent domain (expropriation) situations are extremely rare, much less so than what they would be in Miami, London or Toronto for that matter.

While some people may believe that Correa is not particularly pro foreign investment, the reality is that Ecuador, just as the next country, needs investment to prosper and, hence, the President is very welcoming of it, he just demands responsible practices.

While the pitfalls of politics-as-usual and nationalistic grandstanding in Ecuador, can and does preclude some major investments from coming in (picture hydroelectric, oil exploration, etc), for most of us, of your readers Gary, this should not be a problem.

Regarding the Government’s stance towards foreigners coming to Ecuador and investing here, something quite nice and reassuring happened to me recently, which is telling about how reality differs from perception.

Here’s the story:

While working in the concept for a coastal development with international capitals and geared mostly towards foreigners, we realized that better government planning and zoning was needed in the area if we were to spread our wings the fullest.

I decided to call the Production Ministry, which is a high level coordination entity on top of many other ministries in Ecuador to see if they could perhaps give us some light as to getting some better zoning for the area.

I was immediately transferred to the head authority in charge of foreign investments in Ecuador and in a few hours was meeting with him along with other officers from the ministry he had called in.
They were not only incredibly welcoming of our ideas and concepts but asked us to create with them a road map not only for planning and zoning, but for infrastructure, education of the local community, and much more.

They have let me know that they are ready to lend a hand as needed and that when the time comes, once we have things down on a plan we can meet with the secretary of the ministry and even President Correa for further vision.

What is the reason for this incredible support? Well, that they are really pro investments and that when you want to do the right thing, doors become open.

On the subject of visas, something that concerns many foreigners, I can say that the President has prompted a very open regime for foreigners to come to Ecuador. However, some changes in the procedures are driving some of us nuts. We just have to adapt.

In any case, you can expect to get a resident visa in Ecuador in 3 to 6 weeks in most cases. The new director of Migration is quite a gentleman and very open and understanding. It’s a pleasure to work with him.

With regards to some radios being closed, this is something the President declared as a possibility on grounds that some radio frequencies had been granted with irregularities according to an audit. While the audit may be correct, President Correa does have a bitter quarrel with the press and his fixation with it is over the top now.

Getting back to real estate; I’d like to add that foreigners have been investing and buying real estate in Ecuador for some time, and that this is a trend that is seemingly quite on the rise.

I am seeing the start of a major wave here.

Ecuador has excellent real estate opportunities and values and the current international crisis where former “safe havens” have been shattered is making this truth about Ecuadorian real estate all the more compelling.

Investors into Ecuadorian real estate ought to buy soundly into capital preservation and important appreciation potential.

As final thoughts, given the current financial problems the world is seeing, the violence in Mexico fending off tourists and investors… the bursting of the real estate bubbles throughout, the baby-boomers coming of age with individuals lusting for active living with quality of life to boot, Ecuador is starting to make some tremendous sense to many.

Our President may be a bit of a showman (to put it somehow), granted; and we as a nation have a ways to go into maturity; we are rough around the edges, but we may have among the warmest, most welcoming people on earth, and no development can buy that.

We have good infrastructure and low cost of living. Those who see beyond the perception should be able to get in early on the trend, ride this major wave and make the best out of it.

These are good points… especially this one… the government may be talking one way or the other… but look at how it is acting. In this case it appears that the government is pro tourism… pro investment and is welcoming residents from abroad.

Here is one final comment.

Gary, I don’t get involved in my host country’s internal politics.  I am however a strong believer in the Open Society and the value of ideas meeting arguments, so I guess I would prefer more media outlets to fewer.  By the by, Ecuadorians I know say this is the first time they feel they cannot express freely what they feel about their government, for fear of repression.

These are two key points also. I do not get involved in politics anywhere.  My feeling is that time is better spent adapting to whatever the politicians do rather than joining into the political fray. Reality is that if you do business fair and well, whatever the political system is you’ll be welcome.  The second point is about freedom of speech.

I recall feeling fear like this recently when talking to my son over the phone. I was about to make a joke about a certain president and decided not to thinking… I had better not joke about this.  The problem was I was in the US… not Ecuador.

The great technology that has created such great access to information has destroyed our privacy as well…everywhere.

My new real estate acquisitions are in Ecuador . Recent messages have looked at the importance of seeing reality. People write often asking if it‘s safe in Ecuador. I was thinking of the reality of this as Merri and I concluded a long Ecuador morning walk. The birds were singing, roosters crowing in the distance and we saw two very young children, a girl of maybe six or seven and her little brother maybe four or five walking alone through the village on their way to school. This is so typical in Ecuador.

I wondered how many children of that age in North America are allowed to walk alone through town as they are in Ecuador.

investing-in-chaos

More Cotacachi children in a parade.

You see young girls like this (maybe eleven or twelve) walking around night and day. This is not because Ecuadorian parents are careless. It is because there is a great deal of safety in Ecuador .

Here are a few facts I know.

#1: The Ecuador constitution protects landownership of citizens regardless of citizenship. No local government can take land by eminent domain for economic development.

#2: No Ecuador children have been shot in school.

#3: Ecuador schools do not require metal detectors.

#4: No Ecuador police force has used a “no knock” search warrant to break down a door and then shoot an innocent 80+ year old resident 50 times.

#5: We do not worry in Ecuador about being sued if someone spills hot coffee on themselves at our hotel. By the way our coffee is hot here.

#6: Ecuadorian doctors do not have to shut down their practices because of malpractice insurance costs.

#7: Parents in Ecuador are not at risk of having their child diagnosed as having ADD and being forced to give them Ritalin. Read http://www.ritalindeath.com/ if you want to have your heart rendered over the weekend.

investing-in-chaos

There is a deep culture in Ecuador.

Back in early 2007, a potential real estate buyer visited me about buying a $93,000 house in Otavalo. As we enjoyed a “cuppa tea” and visited I could see he loved the house but was really worried about loss of property due to Ecuador’s constitutional reform.

My view was that the reform was unlikely to reduce individual land rights. As we can see above, the opposite took place. the constitution strengthened property protection.  Ecuador’s base of wealth has always been individual land ownership.

Then I pointed out to this potential buyer that his  real bigger risk was buying a similar three bedroom house in England. A similar house would cost him between $400,000 and a million dollars. The risk of losing $93,000 in value when the overheated English real estate market dips seemed greater to me than the chances of losing $93,000 in Ecuador because a house would taken due to constitutional change.

Prices were way overblown in England.  This was exactly what happened.  Real estate crashed in England while real estate prices in Ecuador have remained strong.

Plus Ecuador offers the benefits of $1.40 a gallon gas, lovely weather, sweet people, no capital gains tax on real estate sales, very inexpensive but good medical and dental help, ridiculously low property tax, almost no tort liability, inexpensive cost of living, low crime and better food.

In the west, the cost of living is so high that many people can barely move!

So where is it safe to live? I think when Merri and I are really realistic, we feel that there are many aspects of safety in Ecuador.

Many of us feel many changes in our homelands that are not good. If you do, don’t despair, the sun always shines somewhere as it did here in Cotacachi, Ecuador. Here’s the sun coming up!

Merri and I always practice diversification…in asset class as well as geographically.  We are over weighted in Ecuador so we are voting with our money that the chaos here will create more opportunity than trouble.

See more about Ecuador diversification here.

Change and chaos are parts of the rhythm of life.  The never ending evolution created by time and space creates turmoil but also opportunity.

We hope the chaos in your life brings only good to you.

Gary

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

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

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

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

See details of the two seminars below.

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

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

Oct. 9-11 IBEZ North Carolina

Here is an email for a recent seminar delegate: Amazingly helpful, amazingly timely … thank you for this !

Sept. 17-21 Ecuador Super Thinking + 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 Seminar
Nov. 9-10 Imbabura Real Estate Tour
Nov. 11-14 Ecuador Coastal Real Estate Tour

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

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

Read the entire article New battery could change world, one house at a time

Web Business Idea


Multiple websites can help in marketing.

You may want to live on the beach, in the mountains or in an exciting city. Having a business with multiple websites can help.

In a moment we’ll look at Ecuador beach real estate contacts.

ecuador-beach-jama

Ecuador Beach near Bahia.

First, here is an excerpt from our emailed course “Tangled Webs how to Have an Internet Business.”

This excerpt shows ways to earn income even if you are living on a secluded Ecuador beach or anywhere in the world.

At the writing of this lesson, one of our several websites ranks on Google’s first page for each of these the phrases below:

ecuador banking
ecuador attorney
ecuador ticket
ecuador condos
ecuador property
ecuador beach property
ecuador beach real estate
ecuador andean real estate
ecuador shipping
ecuador cars
ecuador real estate tours
ecuador dentists
ecuador doctors
ecuador health care
ecuador pets
ecuador roses
ecuador lilies
ecuador fares
ecuador law
ecuador insurance contacts
ecuador health insurance

Yet we use no tricks… just good content supported logically by some cross linkage from one site to the other.

We continually test how to make our sites more effective for our readers and how to make them more effective attracting new readers.

Our Gary Scott site adds about 30 new readers a day, 20 from our Pay Per Click program and 10 from referrals or search engines.

One benefit from having several sites is that you can have differing areas of focus at each site.

Our main areas of focus have been:

* Benefits of Ecuador
* Benefits of International Investing
* Benefits of International Business
* Benefits of Global Health Secrets

We are adding benefits of Sustainable Living.

Currently we are testing ways to maximize crossover opportunities.

If for example a new reader signs up for our Ecuador information, he may also have an interest in either international investing, international business or health secrets.

The tests are looking at how to expose all the foci without moving too far away from the reader’s original area of interest.

Keep in mind our 7 P Prospecting  plan is to let a reader identify a Problem via the Pathway of the search engines.  We offer a Promise (our ad) to help solve the Problem. The Promise  leads the Prospect  to our landing page which provides a Presentation about who we are and how we can help solve their Problem.  Part of the Presentation offers them a free report.  The report  is then sent every day (to develop their confidence in us) as we offer low cost but Profitably Priced Products that help solve the reader’s  Problem.

Once a reader has signed up for a free report, we fill our Promise and send them information everyday that might help the solve their Problem.

If you jump too far from the reader’s focus, too fast, you can risk confusing them, being looked at as a spammer and or as wasting the reader’s time.

You can read this entire lesson as a Tangled Web subscriber.  See how to receive this $299 emailed course free below.

Ecuador Beach Contacts

We are now helping our Ecuador Living readers with contacts on the Ecuador beaches north and south.

See about our south Ecuador beach real estate tours that start in Salinas here.

ecuador-beach-contacts

Salinas.

See our middle Ecuador beach real estate tours here.

ecuador-beach-jama

We inspect Ecuador real estate in Bahia on our middle Ecuador beach real estate tours.

Gary

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

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

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

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

See details of the two seminars below.

international-investments-seminar

Thomas Fischer teaching at our IBEZ seminar.

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

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

Oct. 9-11 IBEZ North Carolina

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

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

international-investing

We take delegates on our Ecuador seminars to Otavalo markets.  Many buy enough goods to resell in North America to pay for their entire trip.  Ecuador tiles are one great product attract many international businesses.

Here are comments from one seminar delegate about the followup from our course: Thanks so much.  I have been following the advice in your Multi Currency Course/International Investing monthly and have added selected suggested funds from your lists which are available in my Fidelity IRA.  Even though my transactions are in SMALL amounts for stock and ETFs I am almost back up to the total invested amount prior to the stock market dive of last year.   Your emails have given incentive to keep diversified investments when I know other people are selling out.

Sept. 17-21 Ecuador Super Thinking + 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 Seminar
Nov. 9-10 Imbabura Real Estate Tour
Nov. 11-14 Ecuador Coastal Real Estate Tour

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

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

International Internet Business Competition


Here is a really important point about international internet business and competition.

In a moment we’ll look at a Vilcabamba Ecuador house for sale.

Ecuador-house-for-sale

First, let’s see why your business can be an also-ran and yet bring you wild success!

Also-ran is described as:

1. A horse that does not win, place, or show in a race.

2. A loser in a competition, as in an election.

3. One that has little talent or success: just an also-ran in the art world.

Most Westerners are raised in a highly competitive environment.  “Win at all costs” is a growing credo in society.

The conditioning “to achieve” spills over when we get into business. Many make the error of thinking that their business must be #1.

Nothing could be further from the truth.

In The Kentucky Derby #1, #2 and #3 are all that count.  The Olympics award Gold, Silver and Bronze.  Everyone else is an also-ran.

In business you can finish 100th and be wildly successful.

In fact the day I produced this message, our website ranked (in terms of reach) 24,604th in the US and 10,012th in Canada.

We could hardly be happier. In fact I am not sure we could handle a faster growth rate.

A successful business requires a balance between three parties… the owners (us)… the customer… you and… the bank. The company must be profitable.

A small business dominated by many, much larger firms can still do well…. make millions in fact.

This is why we are sending you free lessons in internet marketing. Here is the third lesson.

Live Below Your Means

There is a caveat. For your business to remain balanced it (and you) must live within your means.

Most businesses have ups and downs and many inexperienced business people who meet with their  first success, spend it!  They have not learned how to survive sudden wealth.

I learned this lesson, the hard way, as a young executive, (just 25 years old).   My first job abroad was working for a new company in a hot sector.  I was the firm’s eighth employee.

My compensation included a stock option for 50,000 shares at a dollar each.  Within a couple of years the company had grown to 2,000 employees and the company  went public.   The shares were issued to the public at $20 a share.  At 25 I was already a millionaire and those were the days when you could buy more than a house for a million dollars! In fact a million then was worth about $12 to $15 million now.

I had not learned to save, lock in profits or to live below my means. My monthly salary was $750 a month so this wealth was bewildering. I bought everything I could, a new Mercedez 280 SL, a new house and I ran up some nice credit card bills.

Then the stock market collapsed. The sudden drop caused a run on the shares of the company I worked for and it with many similar firms collapsed. The entire industry tanked and the company went broke. I ended up unemployed, with no money and a lot of debt. My stock options weren’t worth the paper they were printed on.

The moral…when you make money, do not spend it all.

Most wealthy people receive their income in spurts. We saw this process regularly during the internet craze. Executives left proven fields to begin bold new startups and in an instant became billionaires!

My experience suggests that sudden financial success creates disaster as often as not.  Recipients of sudden cash make one of two mistakes.

The first mistake is to believe this is the only time there will be such an influx of cash. This tightens a person, so they can’t enjoy spending. They become afraid. Life becomes filled with paranoia. Unhappiness sets in. If money doesn’t make life better, what’s the use?

The other mistake is to think that these large chunks of cash will come easily again and again without worry or working. This thinking creates unrealistic lifestyles and work ethics that lead to disaster.

I first observed this ironic fact while living in England. A happy, financially responsible middle class family won millions in the lottery. Just a few short years after reaping this spurt of cash through supposed good luck, the husband and wife were bankrupt, divorced and no longer speaking to their kids.

I have seen example after example, of people, who received a sudden chunk of income made very unhappy by this large inflow of wealth. This is why it is a risky time when investors make a big sudden profit. The proud owner of new found wealth, buys new cars, houses and becomes very spendy. He creates overhead and debt. If there is a single reversal, everything is lost.

How much is a big hit anyway? One measure is a ten times increase in wealth. This normally is enough to make a significant difference in a person’s life. For someone with a thousand dollars in the bank, $10,000 seems like a lot. The extra money can make a difference. For someone who already has a million dollars, another million doesn’t make such a significant shift. Ten million does.

The reason spurts of profit create problems is because they disrupt our discipline. Money is discipline and our financial affairs have some form of economic routine, either self imposed or not.

We have a set of mental standards that makes us think, “I can afford this, but can’t have that”, etc. Spurts of wealth demolish these standards. Suddenly we can have many things we previously could not. We become, once again, kids in the proverbial candy shop.

Yet much of the Western world spends their lives trying to become and stay independently rich. If succeeding in this process can ruin happiness, what can we do?

First, realize that independent, permanent never-ending, fearless wealth is a process, (not a state) of a continual series of reasonable risks, mistakes, refinements, lessons and actions that culminate in getting it right. When success arrives, there is a huge income (or capital) spurt.

Understand that this is not the only time you can make a huge wad of cash.

Impose discipline. Here is a simple formula.

First, eliminate debt.

When Merri and I bought our house in Naples, we had what we thought was a large mortgage.

We bought a white board and wrote the mortgage amount on it.  Each week we paid whatever was left in our bank accounts on that mortgage and marked the new reduced balanced.  That became our weekly entertainment… paying down the mortgage rather than going to movies or dining out!  This weekly habit never took any money from us that we missed, and yet it gave us in 1 1/2 years total freedom from debt.

Second, trim overheads so they are less than income.

Third,  if you receive a large profit for the first time, immediately spend ten percent of the new money on your dreams. Buy, the Porsche. Take the world cruise. Build the new eight bedroom house. Do whatever you want that does not cost more than ten percent.

Second, give ten percent to a worthy charity. Take a little time, find a need in this world you feel really should be filled and truly give the ten percent away. Third, invest the remaining eighty percent very conservatively. Use the PIEC Everlasting Wealth system.

When we sold our house in Florida for an excellent profit,  we spent 10% to take a year off.

We gave 10% to help Ecuador’s poor.

We bought our farm and lived in a Coleman tent while we fixed up one of the old farm houses located on the farm.

internet - business

Next we turned this old barn into a guest suite, all…

internet - business

with cash flow. We did not touch our saved capital.

Next we built our farm office…

internet-business

and deep woods spa.

internet - business

Finally we built (over three plus years) our dream house in the woods… again all…

internet - business

with cash flow and without touching capital.

Manage Wealth Conservatively

Hire a good, conservative investment manager such as Jyske Bank or for Americans Jyske Global Asset Managers.

This steady, low leverage approach may slow the overall amount of wealth you build… but what you have will be more stable… less stressful and  safer wealth.

Low Cost Ecuador

One reason Ecuador has become so popular is that the low costs make it easier to live below your means.

Ecuador-house-for-sale

See this Vilcabamba Ecuador house for sale.

Finally be grateful every day, not for any lump of cash, but for the fact that even with a modest also-ran business and personal financial discipline you can enjoy wild success!

Gary

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

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

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

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

See details of the two seminar below.

Delegates at our Ecuador seminars and tours enjoy Ecuador music.

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

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

Oct. 9-11 IBEZ North Carolina

Here are comments from one seminar delegate about the way we help: Gary & Merri. My wife and I really enjoyed the IBEZ course in West Jefferson this past July. There was a lot of very interesting information. I will be working with David Cross to help set up an internet site. I have some interesting ideas regarding the flowers.   Thanks again for such a great course.

Sept. 17-21 Ecuador Super Thinking + Spanish Course

Sept. 23-24 Imbabura Real Estate Tour

Sept. 25-28 Ecuador Coastal Real Estate Tour

October 16-18 Ecuador Southern coastal tour (early sign up before Sept. 1, $499 per person).

Oct. 21-24 Ecuador Import Export Tour

Oct. 25-26 Imbabura Real Estate Tour

Nov. 6-8 IBEZ Ecuador Seminar

Nov. 9-10 Imbabura Real Estate Tour

Nov. 11-14 Ecuador Coastal Real Estate Tour

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

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