Tag Archive | "Web seminar"

Cotacachi Politics & Business


Cotacachi politics and business can be fun!

I am often asked, “what is there to do in Cotacachi?”

The answer is that something is always going on in Cotacachi!

A guest at our hotel Meson de las Flores recently gave an example when he sent me a note and pictures about Cotacachi business and politics.

Ecuador’s President visited Cotacachi recently. The place was packed!  Here are some of the photos our guest sent.

Ecuador Politics

This is Calle Bolivar that runs into the plaza where Meson de las Flores sits.

Ecuador Politics

They placed El Presidente in a truck.

Ecuador Politics

There was plenty of security.

Ecuador Politics

A few soldiers was not going to hold this crowd back.

Ecuador Politics

The President tried to stay aloof and above.

Ecuador Politics

But what the heck.  He knows how to work a crowd. Down he went.

Ecuador Politics

I’ll bet his security detail was going bananas, but it looks as if he was having fun!

Ecuador Politics

So was our guest who was enjoying Ecuador politics and business. He wrote:

Gary and Merri,  yesterday the President of Ecuador was in Cotacachi and
I thought you might want some of the photos I took.  By the way thanks for
all your help with the Import Export ideas. It is going very well and
I have now figured out my shipping process and am working on my web
page blog …I will let you know when it is complete so you can check
it out.. Thanks again for everything.   Ch
ris

Even on a sleepy Sunday… there is always something to do in Cotacachi for business or for fun!

Until next message, may all your business be fun.

Gary

Chris attended our last Ecuador Export Tour and web seminar.

Join our July Ecuador Export tour and save much more in our 2-4-1 offer that extends through April.

Merri and I cannot be in two places at once but we can make to possible for you to gain all the information we know plus also see what we am talking about for yourself by visiting Ecuador.

For example we have three Ecuador tours scheduled for July 2009.

July 4-8 Ecuador Import Export Expedition

July 8-9 Imbabura Real Estate Tour

July 10-13 Ecuador Coastal Real Estate Tour

Each of these tours is $499 ($749 for two) of you attend one.

If you sign up for two or three of the July 2009 tours you gain a multi tour discount…

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

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

Here is the added 2-4-1 deal.

Because Merri and I will not be on these three tours and we do want to meet you and help you learn how to develop your business to earn extra income.  This is a subject we cover in our three International and Web Business Made EZ seminars that Merri and I will conduct in July, October or November .

To make sure you learn everything, we will let you attend any one of these three International and Web Business Made EZ  seminars, FREE.

You get two courses for the price of one.  Enroll in the July Export Tour and attend one of the seminars that Merri and I will conduct below free.

July 24-26 IBEZ North Carolina + Tangled Web

Oct. 9-11 IBEZ North Carolina + Tangled Web

Nov. 6-8  IBEZ Cotacachi + Tangled Web

Our 2-4-1 offer expires April 30, 2009.

Ecuador Micro Earning Idea


Here is an Ecuador Micro earning idea that isn’t a dog.

There are increasing requests from people wishing to work in Ecuador.
Our goal is to help readers learn how to earn in Ecuador or anywhere with their own web business so they have freedom to live were and how they like.

For example Merri and I love to take our hound with us wherever we go.

Here she is while we are earning in Cotacachi, Ecuador.

ecuador-earning-idea

Here we are on the Pacific beach in Ecuador.

ecuador-earning-idea

or on our North Carolina farm…

ecuador-earning-idea

or here…

ecuador-earning-idea

in Salva Wales…

ecuador-earning-idea

with our daughter’s dog Jack… Two of our daughter’s have young beagles Jack, and Poppy.  Ma… now a 12 year old hound… tolerates them.

Some think we are crazy taking our dog so many places… but the point is with out own web business we can live and go were and in the way we choose!

You can too.  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.

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 34th lesson in this course.

To Copyright or Not to Copyright that is the Question
by Michelle Toole.

Ok so you’re new to the Internet and you have just written your first e-book and you are wondering what happens if someone takes my work and sells it as there own?  Do I have any recourse?  Should I copyright my e-book and what about my web site?  All of these are good questions and are cause for some interesting discussions on the internet.

Here are the facts:

“All of your content AUTOMATICALLY has a copyright, whether you register it or not… or whether you indicate the copyright or not. However, it’s always better to indicate and date your copyright ownership at the bottom of every page. You are protected online by the Digital Millennium Copyright Act.  That said laws are always vague and to take someone to court and actually win is a tough road to maneuver.”

Everything from April 1, 1989 is copyrighted by the owner or author whether is has a notice or not.

“Considering the vastness of the internet, the possibilities can seem overwhelming the best advice is to take steps to protect yourself the best you can, take action if you find someone has violated your copyright and let go and get on with your business.

1) Copyright every page on your site by adding the following to the bottom…

Copyright © 2009 Your Name. All Rights Reserved.

2) Burn your Web Site to a CD every 3 months and date it. Leave it in your safety deposit box, with a notary or attorney as of that date.”

3) Copyright your e-book upon completion and Copyright your web site every 6-12 months. It’s cheap and not difficult to do. It’s easy and cheap, http://www.copyright.gov.

The first one is an absolute must. The second two are not “must do’s” according to the Digital Millennium Copyright Act. But they set you up much more strongly, if you ever need to go to court. Imagine producing material that has been copyrighted in court, straight from a rip-off site? Wow!

But remember, you likely won’t use this in court — but it makes you bullet-proof with Search Engines. THAT is what is important, if you ever need “swift justice.”  If someone is duplicating your web site or e-book a simple straight forward email to the search engines (Google, Yahoo and MSN) and they will shut the offending site down!

Once you have taken all the steps necessary to protect yourself forget about it!  That’s right because it does not deserve all your time and energy.  You do the best you can, put safeguards in place; occasionally check around to see if you have been copied (http://www.copyscape.com) and if all is well then ALL IS WELL!  You have a better chance of being struck by lightening!  Stay focused on what counts, your success!

Look for my future articles and tips where we discuss monetization options, search engine optimization, incoming links, additional e-zine techniques, link exchange programs and much more…..

You can check out Michelle’s web site at http://healthy-holistic-living.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

Until next message, may  we all be blessed with a dog’s life.

Gary

How We Can Serve You

How to Have Real Safety

garyheadshot

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:

Screen Shot 2017-08-08 at 6.51.59 AM

Screen Shot 2017-08-08 at 6.52.12 AM

Screen Shot 2017-08-08 at 6.52.22 AM

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

Easter & Ecuador


Ecuador’s Easter weekends are special..a family time of deep reverence and remembrance. No Easter bunnies, eggs or chocolate here!

More about Easter in Ecuador in a moment… first welcome to spring, this…

Ecuador-easter

beautiful time of nature’s resurrection.

We have been out harvesting nature’s early gifts.

Ecuador-easter

We are back at our North Carolina farm and I took this morning to walk and enjoy  this wonderful, rich season…when new life springs from apparent death.

Ecuador-easter

Our most recent snow just melted and the creek is full.

Ecuador-easter

The falls roaring.

Ecuador-easter

I am not sure who loves the walks the most, me… or Ma.

Ecuador-easter

watching life emerge.

Ecuador-easter

During this economic downturn… the message of Easter and spring is even more important to take to heart.   There is no death… just change.  Each ending holds the seeds of a new… and better beginning.

We are also enjoying our Easter lilies from Ecuador.  Here are the first blooms I have set out at the farm entrance.

Ecuador-easter

There were so many blooms that I had to put them into two vases. Here are the rest of  the blooms coming on our dining room table.

Ecuador-easter

Yet just like all endings… we gain from the past as well… so our Christmas roses, which we dried, are still providing beauty in the farmhouse as well.

Ecuador-easter

Merri, I and the staff at Meson de las Flores, send our best wishes for a happy holiday and great joy and prosperity this spring.

Ecuador-easter

Easter in Ecuador is a wonderful family time when everyone gathers to eat Fanesca, an Ecuador Easter tradition. This is a very rich soup, made from squash and twelve different grains, (representing the disciples of Jesus) and salt cod since red meat is not eaten this day. Fanesca is a delicious Lenten chowder prepared to celebrate the unity of Ecuador (each grain represents a different part of the country) and to end the Lenten Fast. There are sliced boiled eggs on top and slices of rich ripe avocado also. Here is our chef, Santiago, with his Ecuadorian Easter fanesca.

Ecuador Easter

His Easter fanesca is outstanding!

Ecuador Easter

The view from Meson at Easter is of Jesus commanding the sunrise and…

ecuador-easter

an empty plaza.

ecuador-easter

Later the parades begin.

ecuador-easter

Everyone participates,  boys…

ecuador-easter

and girls.   Young…

ecuador-easter

and old.

ecuador-easter

Spring is here.  On this special season…

ecuador-easter

Cotacachi’s plaza will fill.

ecuador-easter

Meson will be ready…

ecuador-easter

for one of the busiest restaurant days.

Recognizing that for centuries the community has gathered on this day to celebrate the victory of this season in dance.

ecuador-easter Merri and I send our earnest wish that you enjoy a happy holiday.

Gary

To celebrate spring we have created our 2-4-1 program for our spring courses.  Join us in Ecuador this spring.

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

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

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

2-4-1  Take Two for One. Attend any of the three international business & investing courses below and select any one of the tours above free.

July 24-26 IBEZ North Carolina + Tangled Web

Oct. 9-11 IBEZ North Carolina + Tangled Web

Nov. 6-8  IBEZ Cotacachi + Tangled Web

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

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

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

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

See our full 2009 schedule here.

May 29-31  JGAM Multi Currency investment Seminar Naples Florida

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

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

July 24-26 IBEZ North Carolina

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

Oct. 9-11 IBEZ North Carolina

Oct. 21-24 Ecuador Import Export Expedition

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

Ecuador Wills


Ecuador wills do not work if challenged.

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

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

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

Ecuador-wills

Everyone works, men…

Ecuador-wills

women…

Ecuador-wills

young…

Ecuador-wills

and old.

Ecuador-wills

Well… not everyone works.

Ecuador-wills

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

Ecuador-wills

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

A recent letter at his archive shows how and says:

Conversion to Manager-Managed LLC Format

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

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

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

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


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

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

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

Learn how to subscribe here.

Regards,

Gary

Join us in Ecuador at a 2009 course or tour.

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

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

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

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

July 24-26 IBEZ North Carolina + Tangled Web

Oct. 9-11 IBEZ North Carolina + Tangled Web

Nov. 6-8  IBEZ Cotacachi + Tangled Web

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

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

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

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

See our full 2009 schedule here.

May 29-31  JGAM Multi Currency investment Seminar Naples Florida

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

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

July 24-26 IBEZ North Carolina

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

Oct. 9-11 IBEZ North Carolina

Oct. 21-24 Ecuador Import Export Expedition

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

Cotacachi Organic Cleaner


Cotacachi Organic Cleaner

We take organic cleaner to our Cotacachi hotel every time we visit because Our staff work to keep our hotel Meson de las Flores spick & span.

Cotacachi Organic Cleaner

This is one reason why the 180 year old colonial building looks so great.

Merri and I also give credit to the entire staff.  Most have worked here for decades and they love the hotel. They honor its history and work hard to keep it looking first class.  Especially our maids, Rosita De las Torres and ….

Cotacachi-Organic-Cleaner

Rosita Molena

Cotacachi-Organic-Cleaner

not only clean, but put great love, care and attention into making Meson look like a home that our guests will return to again and again.

We do all we can to help Cotacachi be organic because organic cleaners are important to the environment and our bodies.

The cleaner I use on myself, in our house, pur garden and take to our Cotacachi hotel… I call Ted’s Stuff.

Since we are lured into having many poisons in our homes and establishments, I look at everything.   I am always suspicious of cleaners..

For example, “Softsoap Antibacterial Soap” a brand of liquid hand soap manufactured by Colgate Palmolive. Check the label of this soap and you will read the words. “Proven to eliminate the dirt and germs your family encounters. Contains light moisturizer to leave your hands feeling soft. GENTLE ENOUGH FOR THE WHOLE FAMILY. As with any soap avoid contact with eyes.”

What does this really mean. How can we find out what this stuff is really like?

There is a way.

Every product shipped in the USA has to have an OSHA regulated form called a “Materials Safety Data Sheet”. This form is meant to protect workers shipping and handling products. You can find the real story behind a products toxicity by looking up the “MSDS.”    Take for example the Softsoap MSDS.

Get ready to cringe. The “MSDS” on this chemical based formula that is “gentle enough for the whole family” states under the general controls section “Avoid contact with skin and eyes.” It warns workers to wear rubber gloves while using this and such. How this warning is mysteriously converted into gentleness on the store shelves is beyond me, but you can see the “MSDS” for yourself.

Though it is doubtful that Softsoap alone will be really harmful to our health, we must wonder how many other things that are pushed on us as safe and gentle when they really are not. How many of these light toxins does our body have to deal with every day? How many of our allergies, diseases and imbalances are created by this continual bombardment of chemicals that do not kill, but each take their little tolls.

We have all heard of “death by a thousand cuts”.   Is our society suffering “sickness by a thousand minimal exposures”?

Merri and I have been away from the farm, its pure spring water and the fresh clean air and we feel the difference.

We must all be aware of our surroundings and take care. There is a saying that “Man can accomplish the impossible, but cannot overcome the inconvenient”. We have walked the moon and sent humanity’s imprint to Mars and beyond. Yet we cannot overcome the multitude of tiny toxicities that bombard us each and every day. This a true challenge. Everywhere we are, everywhere we go, poisons have been made easy to consume.

This is why I sent the reply below to a reader who wrote:

“Gary, organic biodegradable cleaner is nothing new…Watkins has been selling for years. You should be above shilling for these types! Anyone on the Internet can go to Google and debunk the hustlers…”

I agree with this reader that there are many scams in the name of organic, pure, all natural, and such stuff. In fact this why I have been recommending Ted’s stuff and my reply to this reader says it all.

“Ted’s Stuff is a product I have been using myself for many years and the difference is that it works so well. I feel it an obligation to let people know about the enormous danger that we all face and how our environment is being damaged.

Merri and I both feel that perhaps just to stop pollution at the lowest level may help people gain added years and added vitality to their lives.

Here are some shots that our friend Dennis Goff took on our visit to the farm community that our foundation is helping and of our group visiting the Cotacachi organic gardens.

Cotacachi-organic

Learn more at Cotacachi Organic Farming Opportunity

Cotacachi-organic

and

Cotacachi-organic

Ecuador Organic Gardens.

Cotacachi-organic

and

Cotacachi-organic

Cotacachi Garden.

Cotacachi-organic

and

Cotacachi-organic

We had numerous inquiries about distributing organic bio washes in Ecuador and have just sent a new presentation on this to our Ecuador Living subscribers.

Learn how to subscribe here.

Until next message may your health be really good.

Gary

Join us in Ecuador at a 2009 course or tour.

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

Delegates stay on this beach that Dennis Goff shot on our last Ecuador coastal real estate tour.

ecuador-canadian-connection

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

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

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

July 24-26 IBEZ North Carolina + Tangled Web

Oct. 9-11 IBEZ North Carolina + Tangled Web

Nov. 6-8  IBEZ Cotacachi + Tangled Web

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

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

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

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

See our full 2009 schedule here.

May 29-31  JGAM Multi Currency investment Seminar Naples Florida

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

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

July 24-26 IBEZ North Carolina

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

Oct. 9-11 IBEZ North Carolina

Oct. 21-24 Ecuador Import Export Expedition

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

Ecuador Capital Gains Tax


Ecuador Capital Gains Tax

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

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

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

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

Cotacachi condos

fix it t look like this…

Cotacachi-condos

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

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

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

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

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

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

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

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

Another benefit is added asset protection.

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

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

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

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

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

The article says:

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

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

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

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

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

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

The article said:

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

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

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

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

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

Learn more about Joe Cox here.

Back to the fixer uppers.

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

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

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

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

This was the third floor… the kitchen especially…

was a mess.

Here is the third floor now.

ecuador-banks

This if fully furnished with…

ecuador-banks

one bedroom and …

ecuador-banks

office/den (or second bedroom)  and…

ecuador-banks

balcony.   The kitchen now…

ecuador-banks

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

This was the 4th floor, before…

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

ecuador-banks

This is a loft studio with…

ecuador-banks

great light and an open feel with…

ecuador-banks

full dining area and…

ecuador-banks

kitchen.

ecuador-banks

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

the sunrise over Mt. Imbabura.

ecuador-banks

Evenings offer sunset in the east on Mt. Cotacachi.

ecuador-banks

Views are great at night with the village alight.

ecuador-banks

and you can see the entire village…

ecuador-banks

and both mountains during the day.

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

ecuador-banks

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

ecuador-hotel-savings

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

ecuador-banks

with full hardwood closets.

ecuador-banks

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

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

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

Gary

Join us in Ecuador.

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

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

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

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

July 24-26 IBEZ North Carolina + Tangled Web

Oct. 9-11 IBEZ North Carolina + Tangled Web

Nov. 6-8  IBEZ Cotacachi + Tangled Web

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

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

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

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

See our full 2009 schedule here.


Ecuador Comparisons & Weather-Weathering Weather


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

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

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

ecuador-comparisons

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

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

Here are the average temps.

ecuador-comparisons

The highs and lows.

ecuador-comparisons

The rain.

ecuador-comparisons

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

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

We can’t help but make comparisons with Ecuador.

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

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

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

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

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

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

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

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

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

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

Multi Currency Thought

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

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

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

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

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

Ecuador comparisons

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

Back to the Ecuador beach hotel for sale.

ecuador-comparisons

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

ecuador-comparisons

the ocean side pool…

ecuador-comparisons

the area where the hotel is located. ecuador-comparisons

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

ecuador-comparisons

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

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

Regards,

Gary

Join us in Ecuador.

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

ecuador-canadian-connection

Join our January Ecuador tours.

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

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

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

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

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

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

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

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

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

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

International Club 2010

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

International Club 2010 Membership Enroll here

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

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

Join us in February or March.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

International Club 2010 Membership Enroll here

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

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

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

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

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

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

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

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

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

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

Gary

International Club 2010 Membership  Enroll here

Ecuador Banking and Business


Recent messages have looked at Ecuador banking and business.

The global economy is going through a paradigm shift.  This creates great opportunity, but also means we all have to embrace change. We need to realize that many will gain a lot in this change… but also some will lose.

Here is an Ecuador income opportunity, a…

ecuador-banking-business

hotel for sale in Otavalo.  Otavalo Market is one of the largest tourist attractions in Ecuador. More below.

There are four places where we are most likely to profit… real estate… commodities… stocks and our own small business… always keeping in mind… value..diversification… service and fulfillment.

Our messages of the last week have featured income earning ideas.

We have looked at:

Ecuador Export Ideas.

Plus how to earn with:

Ecuador flowers Ecuador Flower Income.

US franchises and bed & breakfast at Ecuador & Business Curves.

Ecuador farming at Ecuador Canadian Connection.

Organic Animal Wash.

Ecuador Organic Farming.

The Ali Shungu hotel has been for sale for some time… but we felt the price was  too high…  even though this is an excellent facility with wonderful grounds.

ecuador-banking-business

There is great profit potential with overseas businesses plus there is also enormous tax benefits with an Ecuador or overseas business.

Ali Shungu’s owners wanted a million dollars. “too much”, we thought, “even though it has this full restaurant”.

ecuador-banking-business

There are also enormous legal, asset protection and tax benefits that an overseas business can bring. The most effective structure from a tax deferral point of view is a non U.S. structure (corporation, LLC, limited partnership or trust) that operates entirely outside the U.S. and that is owned 50% or more by a non U.S. person.

Then the owners dropped their asking price to $750,000.  “Getting closer”, was out thinking… but not quite low enough despite this wonderful patio.

ecuador-banking-business

Using an overseas structure, a corporation owned at least half by non U.S. citizens or residents, has helped me expand our hotel business.

Some business owners do not want to have someone else own half their business. If this is the case, I recommend that you donate half the business to some U.S. charities. Pay them some dividends as your profit and treat them well. This can help your business be more fulfilling as well as profitable.

This message shows another Ecuador income producing opportunity, this Hotel Ali Shungu, for sale in Otavalo.

The rooms are adequate.

ecuador-banking-business

plus

ecuador-banking-business

There are three huge condos above the hotel. Here is Merri and one of our delegates on a recent Ecuador real estate tour examining one of the condos.

ecuador-banking-business

Then recently the owners offered us a $150,000 commission to sell the hotel. We are not brokers and do not take commission so our reply was “cut the price for our readers”!  This would place the price at $600,000… an interesting value.

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

One important point about using overseas structures and banks.  We have warned readers for more than 20 years to be sure to always have an attorney experienced in using overseas structures. The law is complicated.

See one warning written a decade ago at More on the loss of bank privacy

For specific information about using overseas structures correctly, you can contact Joe Cox at jcox@coxnici.com

Joe has been my friend and attorney for more years than I care to remember.  He specializes in estate planning, insurance, trusts and taxation. He received a Juris Doctorate from the University of Tulsa School of Law, and a Master of Laws in Estate Planning from the University of Miami, School of Law. Joe is Board Certified in Estate Planning and Administration and in Taxation by the Florida Bar.

In addition to the Board Certifications, Joe is a Fellow in the American College of Trust and Estate Counsel. He is a member of the American and Florida Bar Associations, and is admitted to the Federal Appellate Courts and the United States Tax Court. Joe is a frequent speaker on tax planning topics such as income taxes, insurance trusts, irrevocable trusts and offshore asset protection trusts. He has also written articles and books concerning income tax and irrevocable trusts.

Joe is listed in Who’s Who in America and Who ’s Who in American Law. Chosen by Florida Trend Magazine as one of the top 1.6% of lawyers in Florida and one of the top 34 Wills, Trusts, & Estate Planning lawyers. Chosen by Worth Magazine to be one of the top 100 attorneys in the Nation.

Among his community commitments, Joe has served many organizations in a leadership position. These include: Naples Community Hospital, Community Foundation of Collier County, YMCA of Collier County, Community School of Naples, Alzheimer’s Association, Forum Club, Senior Friendship Centers, Inc. He was named the Child Advocate of the Year.

Joe will speak at the upcoming JGAM Multi Currency Investment Seminar May 29-31 2009.

Joe wrote several chapters on how to use overseas structures for our course on international business that is included with emailed course n how to develop a web based business. See more here.

Regards,

Gary

Join us in Ecuador.

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

Delegates stay on this beach that Dennis Goff shot on our last Ecuador coastal real estate tour.

ecuador-canadian-connection

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

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

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

July 24-26 IBEZ North Carolina + Tangled Web

Oct. 9-11 IBEZ North Carolina + Tangled Web

Nov. 6-8  IBEZ Cotacachi + Tangled Web

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

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

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

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

See our full 2009 schedule here.

Ecuador Canadian Connection


There is quite a large Ecuador Canadian connection… especially in Cotacachi Ecuador. This winter it seemed as if we had almost as many Canadians as Americans.

The sun always shines somewhere… like this shot taken by our Canadian friend, Dennis Goff, who lives part of the winter in Cotacachi Ecuador and recently visited Ecuador’s coast with us.

ecuador-canadian-connection

I suspect that it is the cold winters in Canada that bring so many Canadians to Ecuador.

Merri and I are currently in Florida looking (unsuccessfully so far) for real estate. We head north tomorrow.  Here is what our friend and farm manager Richard Goebel wrote:

“Are you sure you want to be up here next week?  Here is Ray’s forecast for Monday next week This is not an April Fool’s trick.”

Monday – Mostly cloudy; Windy; Early AM showers; Turning colder with snow showers late afternoon & at night; High in the lower 50s; Low in the mid 20s

Tuesday – Mostly cloudy; Cold; Blustery; Snow showers & flurries; High in the upper 30s; Low in the lower 20s

In other words, when Merri and I arrive in North Carolina our front yard could look something like this.

ecuador-canada-connection

One must wonder… why?   We could be back in Ecuador where there is never snow and one has a choice of climates.  For example in Cotacachi nearly every day it’s in the 70s and at night 50s.

By dropping altitude a bit for example to Ibarra, the temperature is warmer.  Cotacachi is at at about 7,500 feet altitude, Ibarra about 6,500 feet.

Instead of looking at the snow, I could be looking at sunshine and property near Ibarra like this Ecuador real estate for sale that we viewed on our last real estate tour…

This is an income opportunity, a 21.39 acre estate with an executive golf course, pitching and putting, 6 greens on a 5 acre area.  It has six cabins. Here is our last real estate tour…

ecuador-canada-connection

taking a look at…

ecuador-canada-connection

the cabins.

ecuador-canada-connection

Here they are…

ecuador-canada-connection

inside.

ecuador-canada-connection

They are in good shape…

ecuador-canada-connection

clean and with…

ecuador-canada-connection

balconies…

ecuador-canada-connection

overlooking wonderful gardens.

ecuador-canada-connection

There is a full restaurant inside and …

ecuador-canada-connection

out.

ecuador-canada-connection

plus a two bedroom, one bathroom house.

ecuador-canada-connection

This property was one the market at one time at a price that was too high. Now the owner has adjusted it down to a realistic price and I am sending a full report to my Ecuador Living subscribers next week.   If you are not a subscriber and would like this report, you can learn how to subscribe to Ecuador Living here.

We look forward to sharing more ideas about Ecuador, value anywhere and hope that until next message may all your connections be linked in reality and truth.

Gary

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

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

We’ stay on this beach that Dennis Goff shot on our last Ecuador coastal real estate tour.

ecuador-canadian-connection

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

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

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

July 24-26 IBEZ North Carolina + Tangled Web

Oct. 9-11 IBEZ North Carolina + Tangled Web

Nov. 6-8  IBEZ Cotacachi + Tangled Web

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

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

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

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

See our full 2009 schedule here.

Ecuador Information Tours


This is the schedule of Gary Scott’s 2009 Ecuador information tours, courses and seminars.

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

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

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

May 29-31  JGAM Multi Currency investment Seminar Naples Florida

June 12-14 Shamanic Mingo Tour
June 16-17 Imbabura Real Estate Tour

June 18-21 Ecuador Coastal Real Estate Tour


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

July 24-26 IBEZ North Carolina

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

Oct. 9-11 IBEZ North Carolina

Oct. 21-24 Ecuador Import Export Expedition

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

You can learn more and enroll in any of these Ecuador information tours by clicking on the links above.

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

July 24-26 IBEZ North Carolina + Tangled Web

Oct. 9-11 IBEZ North Carolina + Tangled Web

Nov. 6-8  IBEZ Cotacachi + Tangled Web

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

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

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

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