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Salinas Ecuador Beach Access Rental: $450
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Here is a Salinas Ecuador beach access rental for $450 a month.


This is a great rental opportunity here – a 2 bedroom, 1 bath ocean view furnished unit at $450 per month or $250 per week low season (now through November).


This price is below market value for a vacation rental in a complex with nice amenities and nice beach access.


Why is the price so low?  This unit does not have a/c.

This time of year with days in the low 80s and nights in the 60s and a nice cool sea breeze, a/c is not needed.

Contact details are at the password protected Ecuador Living Club site.

Click to reach your password protected site here.

Learn how to get these discounts at  Get your first password here.

Has your password expired?  Get a password update here.


Banking in Ecuador?  Many readers have been moving away from the US for more adventure… better weather…  and a lower cost of living. Do not ignore the US tax regulations. Even though you live abroad, even though you may not owe any US tax you must still file a US tax return.  Plus the day may come when your bank… wherever it is… in Ecuador… in Mexico, Panama… already in England… reports your earnings to the IRS.

See more facts on Americans banking abroad and FATCA below.


Long time friend, Les Share, has advised clients in numerous and diverse areas such as Broadway theatrical productions, real estate like-kind exchanges, and Internet matters. He speaks at various U.S. and Caribbean seminars on subjects ranging from Florida and offshore trust law, advanced asset protection techniques, U.S. tax treaties, representing a foreign investor in an Internal Revenue Service audit, the role of the Internet in U.S. tax planning, and preferred structures for U.S. persons investing overseas and engaging in foreign business activities.

Americans have an international banking problem.  US legislation has made it so difficult for overseas banks to comply with American regulations (which they must, if they have customers who are US citizens or residents) that most international banks.. ie. non US banks have (or will) stopped accepting Americans as customers.

Our recent message Two International Banking Updates, on international banking updates looked at the even tougher new FATCA regulation that was scheduled to kick in eighteen months from now in 2013.  The message pointed out that the activation date has been reset for 2014.

Our long time friend, Leslie Share, who is an attorney specializing in international business and banking sent me this note about FATCA.

Hi Gary—I hope all is well in North Carolina.  To follow up on your newsletter of today Two International Banking Updates, as I’m sure you know, the WSJ reported today that HSBC is the latest bank to offload all of its wealthy US customers’ foreign accounts. The IRS has now effectively destroyed many of the legitimate opportunities for US persons to use offshore institutions to invest, hold and protect assets through its witch hunt against the noncompliant. Therefore, your continuing offshore financial connections become more unique and valuable every day.

I have been representing quite a few of the bad boys and girls who didn’t report and elected to enter either the 2009 voluntary compliance program or the current one with the August 31st deadline. The monetary penalties are huge, unless there was no income at all or no US-source income and full compliance in the income source country. However, a lot of people have decided that peace of mind and being able to sleep at night are worth giving Uncle Barack 50% or more money.

FATCA was delayed because of the international uproar—even the IRS admitted that it wasn’t prepared to handle the compliance process under the original schedule. The expense and complexity of the FATCA program as contemplated are staggering, and the worldwide financial community doesn’t want to have to pass on these costs to its customers. It will be curious to see if FATCA is ever implemented as originally contemplated.

Please also note that to be more specific, in lieu of the regularly applicable penalty (among others) equal to 25% of the highest aggregate balance in foreign bank accounts/entities or value of foreign assets during the period covered by the voluntary disclosure (which is generally 2003-2010), a reduced penalty may apply in certain limited circumstances:

1. “Clean” offshore accounts that were inherited or received as gifts from others and remained virtually untouched after receipt–5%;

2. “Accidental citizens” who were born in the US but have lived abroad and weren’t aware of their US citizenship status–5%;

3.  Foreign residents who: (a) resided in a foreign country for all of the disclosure years in question; (b) timely complied with all tax reporting and payment requirements in that country; and (c) had $10,000 or less of U.S. source income each year–5%.  For these taxpayers only, the offshore penalty will not apply to non-financial assets, such as real property, business interests, or artworks, purchased with funds for which the taxpayer can establish that all applicable taxes have been paid, either in the US or in the country of residence.  This exception only applies if the income tax returns filed with the foreign tax authority included the offshore-related taxable income that was not reported to the IRS.

4. Less than $75,000 at all times during the disclosure period of total unreported offshore accounts and assets that were either acquired with untaxed funds or produced untaxed income –12.5%.

In addition, if a taxpayer participated in the 2009 IRS program (where the 25% penalty described above was instead almost always 20%), but would be subject to a 5% or 12.5% penalty under the 2011 program, the taxpayer may choose to have their case reopened and possibly be entitled to a refund of the difference.

Best regards to you and Merri.

Anyone who has questions can reach Leslie at las@pnrlaw.com

How to Earn More

Whether you stay in the US… or move to Ecuador you may want to earn more.  You’ll certainly want something to do.  This is why we are developing our turnkey earning program.  These strict regulations create extra earning potential for those who join the Jyske Global Asset Management’s (JGAM) referrer program.  Jyske Bank Denmark’s second largest Danish bank and its independent subsidiary JGAM are committed to serving American customers through these difficult times and we are working with them to help get the word out. We have used Jyske and JGAM ourselves for over 20 years. We have created a program so subscribers can become JGAM Introdcuer  with the normal process of visiting Denmark.

Thomas Fischer Senior VP at JGAM just sent this note. Bolds are mine.

Hi Gary,  When I get requests for further information about the agreement I let them know about the savings of signing up for your seminars.

It is of course not a JGAM requirement that introducers take your course to become an Introducer.  However if they don’t, they have to come to Copenhagen as part of the due diligence process. This can be avoided by participating at your seminar as I will be at the seminar. I can certify documents there.  The cost for the seminar and on-line course is probably much cheaper than flying to Copenhagen and staying at a hotel!

I suggest that interested introducers request documents from me and scan answers in these documents in an email (or fax a copy). We can then get them started and iron out any issues before the seminar. The delegate can then hand over the revised forms (we need these with the original signature) at the seminar.

On the introducer day (at our farm after our seminar) we will then go through background information about JGAM and remuneration. I will also go through FAQ and we can open up to a Q & A session. You can talk about your ideas and being part of your network exchanging ideas how to get prospects for JGAM.

When back in the office, I will brief the other JGAM about the day and the potential introducers and we will then make the decision whether we accept an introducer.   Having participated at your seminar the introducer will therefore not be required to come to Copenhagen.

I look forward to being part of this exciting program.



Two Days of our July Special Left

We have started a program to help our readers create their own micro business working with these businesses as referrers, dealers and distributors.

What a match… tens of thousands of readers, many wanting to earn globally… meeting some great… really unique global businesses tied together with our communication system that can bring all this: training…. communicating and networking.

We are starting with these five businesses first.

#1: Jyske Global Asset Management  (JGAM)
#2: Bio Wash
#3: Candace Newman Essential Oils
#4: Roses
#5: Ecuador Imbabura Export Products

After attending our International Business and investing seminar on October 7-8-9, you will be qualified to enroll for referrer, distributor and dealer programs above and any others we develop. 

Enrolling in any of our online business development courses and attending one seminar provides full qualification to apply for all programs we provide for a year.

I’ll explain the first specific way you can tap into greater power for everlasting health and wealth in a moment.

First, may I remind you of  our July special that ends in just over two days?

We provide three e-courses that can help you develop your own micro business that we designed to help you earn anywhere you live in the world.

International Business Made EZ ($299)

Self Fulfilled – How to be a Self Publisher ($499)

Event – Full How to Earn With  Your Own Seminars ($349)

July Special.

Enroll before midnight July 24, 2011 for our October International Business & Investing Seminar (plus Frequency Modulation Workshop),   October 7, 8, 9, 2010 in the Blue Ridge Mountains of NC and choose any one of the three courses above for FREE.  You Save between $299 and $499.

Early enrollment for our October 7-9 North Carolina Course click here for details.

We have started the beta program, and the good news is that we are not charging a penny more more.  Our International Business Made EZ online course and our International Business Made EZ seminars remain the same price though we’ll now offer subscribers an entrance to doing business with many turnkey businesses.

The overall service can bring you the following benefits:

#1: Connect you via our our online course “International Business Made EZ” to here and now specific business opportunities.

#2: Keep you in touch with other readers in the program, share business tips, ideas contacts and even website support in some instances.

Our first turnkey business program is Jyske global Asset Management because our activities as publishers has a synchronicity with Jyske and JGAM.   We have been able to combine our training, communications and lead generation abilities with their financial organization.

Business is always a little more complicated when it entails financial products so we have created a beta program to develop this system.

A referrer does not have to be a registered as an investment adviser but JGAM does have a due diligence requirement. JGAM will also expect a certain amount of referrals per year though this amount has not been determined… hence this beta offer.

JGAM pays a percentage of their fee to the referrer up to a maximum 25% of their fee. This not only offers an excellent income generating opportunity but creates a potential long term income stream because JGAM keeps paying the fee as long as the client remains a client. Fees are paid on a quarterly basis.

There is also potential for growing long term income because JGAM pays the referrer based on the total assets under management.  If a referred client makes additional payments, the referrer will be paid on the total amount.

For example if an referrer refers a client who invests a minimum $100,000 and the annual fee is 2%, the referrer earns $500 per annum basic fee (as long as the customer remains with JGAM)… plus if the assets grow either through portfolio growth or added deposits… so too does the referrer’s fee.

We have set our first training JGAM training session for October 10, 2012.

This program will allow subscribers to any of our  online courses who have attended an International Business Made EZ seminar to become referrers for JGAM.

We have been working with Jyske Bank for over 20 years and Jyske Global Asset Management, a Jyske Bank wholly owned subsidiary. We started talking to Thomas Fischer Senior VP about an referral program for some time.  Finally,we introduced this opportunity for the first time at our June 2011 seminar.  The response was overwhelming.

Jyske Bank employs a staff of about 4,000 and operates 116 Danish branches, which makes it the second largest independent Danish bank. They offer a full range of financial solutions to retail as well as small and medium-sized corporate clients.

We have always liked Jyske because they are one of Europe’s largest currency traders and offer very simple but sophisticated multi currency investing services.  They are one of Europe’s largest currency traders and dealers.

We have especially enjoyed our business relation with Jyske because being open and honest is one of the core values of the bank group. Traditionally, Jyske formulates and communicates its values – and the way they understand and live by them – to the surrounding world. They work hard offering shareholders, customers and employees balanced opportunity.

We especially like the fact that Jyske employees are not paid bonuses.  No multi million pay outs are in the system that might temp staff to distort earnings or take undue risks.

Here is how you can apply for this program.

To start as a referrer,  there is first the compliance process with Jyske Bank.

Once that process is complete, our IBEZ system helps educate and assist referrer.

First… once a referrer has been approved by JGAM, and the referrer has completed our online course International Business Made EZ course and attended one of our  international investing and business seminars they can attend an exclusive training seminar at our farm.

We have a…




seminar hall where…


unless the group grows too large, we’ll meet.   We’ll have lunch  on the deck looking over Little Horse Creek.

JGAM and our company conduct this one day intensive training for agents the day after each International Investing and Business seminar.

The first such seminar will be conducted Monday, October 10, 2011 immediately after our October 7-8-9 International Investing and Business Seminar in West Jefferson, North Carolina.

Part of the JGAM program is designed so we can assist referrers by referring readers in their locale to them.  So for example if a referrer is in Miami, we will send special emails to our readers in that area, help organize mini seminars… etc.

We can zero in as close as 20 miles to a location so for example we can send a separate email to every reader within 20 miles of the address of a referrer.  And although we won’t release the names in that area, we can send them a note of the opportunity.

We will also provide a referrer communication forum and update training as well as portfolio and investing ideas.  We have general plans at this stage but find the best way to develop systems is to refine through action. We expect our beta program this year to clarify how we can best help our readers become referrers and how we can help them succeed.

Step one is to start the compliance process with JGAM.  Thomas Fischer  can send you the Introducer Questionnaire and Terms of Business.

Thomas Fischer’s email is fischer@jgam.com

This will begin the process of establishing a relationship with JGAM.  Once this relation is approved and verified, then you will be able to enroll in the referrer training.

You must complete one of the online business development courses above and attend an International Business and Investing Seminar to be eligible for the October training.

All of our readers are invited to enroll in our International Business Made EZ Online Course and our International Business and Investing Seminar at any time.

Satisfaction Guaranteed.  Three Guarantees.

There is no guarantee that JGAM will approve your application as a referrer just because you enroll in the seminar or take the online course so we make two special guarantees.

First Guarantee. Regarding the online course International Business Made EZ.  Enroll in this course. Take it and if you are not satisfied for any reason within 30 days… let us know and we’ll give you a full refund.

Second Guarantee. Enroll in our October 7-8-9 International Business & Investing Seminar.  I’ll send you a recording of the June seminar now so you better understand what these seminars are and how they help you.  If you are not happy with what you hear, let us know within 30 days and we’ll give you a full refund. You keep the recorded seminar as our thanks.

Third Guarantee.  Your earnings potential has this guarantee.  First, any time between now and October… before you attend the International Business and Investing seminar if you fail to qualify as a JGAM referrer agent or change your mind before attending the International Business and Investing seminar you can ask for a full refund.

Get more details about the online course and bonuses at International Business Made EZ.


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