Feed on

We bought the Inn Land of the Sun because we believe in small communities.  Even so we felt some concern about Ecuador insurance costs.  Then we found, that compared to US insurance… Ecuador insurance costs are really low, especially when it comes to medical and liability insurance.


Inn Land of the Sun in Cotacachi.

Learn more about Ecuador insurance below.


Don’t forget to order your fresh Ecuador Valentine roses.  See how I was able to keep these fresh Ecuador roses for 18 days!

Our friend and Ecuador attorney Dr. Andres Cordova recently sent this Ecuador insurance update from Quito.


Photo I took near the Stubel Hotel in Quito. Ecuador.

Dear Gary, regarding insurance in Ecuador and I am sure you do too.

Some main areas of coverage are:

–         Health
–         Properties (houses, condos, buildings, etc.)
–         Household goods
–         Civil responsibility

There are several plans for health insurance in Ecuador stemming from private companies. Please note that for seniors (65 and over) obtaining new health coverage will be difficult in Ecuador.

There is, however, a program called Los Años Dorados that provides health services up to certain amounts in several areas, for a fixed yearly payment of $1.320 ($110 per month). This program, albeit limited, does provide interesting services.

Regarding insurance for properties like condos and houses, this is readily available, will cover pretty much all cases like earthquake, fire, flooding and more and is quite affordable. For example, for a $100.000 house (or condo) you may pay about $450 or less per year, all taxes included.

Household goods can also be insured. This covers furniture, electric appliances, clothes and more. It will not cover jewelry or paintings, etc. (these exclusions are quite common worldwide).

Insurance for civil responsibility is available in certain cases and mostly under a comprehensive coverage package.

Those interested in getting insurance in Ecuador, including becoming a part of the Los Años  Dorados program, may contact Gabriela Viteri. She will be glad to address questions and provide guidance in the process. She has over 20 years of experience in Ecuador’s insurance sector.  Best regards,  Andrés Córdova

Ecuador Living Club members can contact Ms. Viteri at their password protected club site. Club members click here.

Learn how to get an Ecuador Living Club password here.

One way to get up to date information about Ecuador is to join our Ateam Ecuador at the Cotacachi expat dinners.

You are always welcome at the Inn.

Cotacachi hotel

Rooms at…

Cotacachi hotel

Inn Land of the Sun

The menu for this weeks Cotacachi Expat Meetings Friday and Saturday, January 26-27, 2012.

Cotacachi Inn Land of the Sun

Staff welcoming expats to Inn Land of the Sun.

Each Friday and Saturday night there is a Cotacachi expat dinner. Expats meet in the fireplace room, enjoy a meal and talk about Ecuador news.

The menu for Friday January 25, 2013 will be Vegetable Shrimp Cheese pizza with coconut flan for desert.  $5.00 including service and tax.

Cotacachi hotel

Shrimp pizza.

Or Pizza (vegetarian, beef, chicken or pepperoni) plus desert. $5.00 including service and tax.

The menus for Saturday January 26, 2013 will be Surf & Turf Brochette with Cheese and Vinegar Sauce and Pineapple Pie for desert. $6.00 including service and tax.

Cotacachi hotel

Surf & Turf Brochette $6.00 including service and tax.

or pasta with shrimp  $6.00

pasta with beef and rice or chicken and rice $6.00

Pasta with vegetables $5.00

Beer $1.50 – Sparkling Mineral Water  $1.00 – Popcorn FREE

Telephone.  (593) 06-2916-009 – Telephone from US 336 – 792 – 4767 – Address: García Moreno 13-67 y sucre.

See more about Inn Land of the Sun here.

As mentioned, one reason we purchased this hotel is because we believe in small communities (everywhere).

Last weekend we completed our first training session on how to earn with positive community magazines.

We believe in positivity and small towns… small communities where we can see and understand what’s going on and where we can really make a beneficial difference.  In a moment we’ll share a video so powerful with positivity that it brought tears to my eyes and this is why Merri and I are so delighted to be involved with positive community magazines.   There is so much negativity in mainstream media and yet the world really is a pretty positive place.  There is so much good going on that we all miss as this video will show.

Due to this fact, we conduct our courses in small positive communities.  Readers tell us we would have more delegates if we held our seminars in big cities. Yet wouldn’t it be silly looking at how to make the world and profits better in small towns in a giant conference hall.  Sort of like serving Big Macs at a weight loss seminar.

american legion hall

This  meeting hall… an American legion post sits on a like a couple miles from our home and is surrounded by nature.

american legion hall

Here are a few of the questions new publishers asked Dave Johnson who created this concept and publishes the two model magazines that the Positive Community Magazine program is based up.   The answers may help you understand if a positive community magazine works for you.

Q: What size circulation does a model magazine have?

A: In the US, we have learned the optimal sizing to get the optimal print pricing so we can charge advertising rates that really allows small businesses to profit.  The sweet spot is normally in the 3,000 copy range.

Q: Is it free?

Yes, we show the price as priceless.  It is free which is one of the main reasons it works.  People aren’t going to pay for something the can get for free on the Internet which is why the traditional magazine model isn’t working any more.  But, when you give them something they can’t get on the Internet, that is hyper-local, positive, upbeat and supports the community for free, you get a huge following fast (our is almost cult-like in a good way).  We have a competitor in our very small town who is trying to charge for their magazine and they are failing there and on so many levels… they will be out of business soon.  Sadly for them, they had much deeper pockets, a bigger staff and many more resources than we had, but they missed the boat where the REAL opportunity is concerned.

Q: How long did it take you to start seeing that it could and would work?

Because of my background and my “faith” in the model, I knew it would work from the minute I started.  That said, for us, it had to work.  We had just been involved in a frivolous law suit and lost everything defending ourselves.  And when I say everything, I mean everything.  We started the magazine in the hole (financially) and we had to “sink or swim” with the option, if it didn’t work, of being homeless and that really wasn’t an option.

Q: Did you start out with one “mission statement” and then either tailor or change it when you saw what did/didn’t work?

This is our mission statement and has been from the very beginning.  It is easily tailored for any location.  

We have two  other things that we consider part of our business philosophy.

Asheboro Magazine is positive, upbeat community publications dedicated to representing, encouraging and celebrating the great area we call home by focusing on the lifestyles, talents, gifts and contributions of the people who live and work here.  Our goal is to provide readers with the most informative and professional community publication in the state of North Carolina.  Because the editorial content is of a hyper-local nature, it is relevant to everyone that resides in Asheboro and Randolph County and thus, is read cover-to-cover.

1. Be easy to do business with (find reasons to say yes rather than saying no).

2. Treat everyone with mutual respect.

Q: What start up capital should be considered?

A: The system is designed to fund itself.  That is, you sell the amount of advertising needed to cover the costs from the very beginning.  Of course we already had computers, etc. and we did spend a little money on business cards, media kits and a Chamber of Commerce membership.  Our system is designed to literally start with an absolute minimum.

So, the short answer is, this can be done with as little as the cost of business cards and media kits or as much as whatever amount you feel you need to invest. Our goal is to have you “in the black” from the first issue forward.

Q: Why is the profit in the print (and not online)?

A: This is a great question and having worked for a top 200 Internet Site (Cars.com) my co-workers thought I was nuts to quit working for an up and coming Internet company to get back in to print.  The truth of the matter is, two media types are growing while the rest are dying.  The Internet and niche magazines (specifically hyper-local, positive community magazines) are growing.  The internet is so fragmented that the amount of time and money needed to market  a similar website would not be cost effective.  That said, there is a strong Internet component to this program, an electronic page-turner version of the magazine and social media when combined capitalizes on the power of the two growing medias.

Q: How can you stand out from the competition if there are other “local” magazines/directories in the area.

A: There will always be competition, if not in the beginning shortly after you start.  It took our local newspaper 16 months to figure out that we were taking revenue from them to the point where they started their own magazine.  Everyone in town was afraid for us because they are owned by a huge media company.  I wasn’t concerned at all because I knew that they could never operate a magazine the way we were and be profitable enough to make it worthwhile.  They were very aggressive in the beginning and even took a huge loss to undercut our rates.  We had signed most of our clients to multiple-month contracts and, because of who we are,  had created loyalty among them so that even though they could get advertising a little cheaper, they opted to stay with us anyhow.  Without getting into the details (it would take many pages) our competitive advantage is the system.

We’ve looked at the traditional magazine publishing business under a microscope, dissected it and built a “smarter” system from the ground up.  In other words, you will stand out from the competition without even having to try.

Q: Is your biz model to charge an upfront fee (the $499) and then an hourly rate for follow up? or is it commission based, or something else?

A: This is a beta program.  We are still working on the details for the ancillary products and services we are going to offer.  Our goal is, unlike franchises, not to “nickel and dime” the Independent Community Publishers (ICP).  If, after reading the program and participating in the training, you can do this all on your own, there won’t be any additional fees.  If on the other hand, you want to use our library of articles, predesigned ads, get sales support and training, there will be a nominal fee for each or a package price.  This is the part of the program that the ICPs are going to help us with.  Since I knew how to do everything myself, we won’t know what products and services are going to be needed until we get feedback from you and the other ICPs.

This is a great time to get involved because you get to help “shape” an important part of the program.  You will help us realize what works and what doesn’t, what is needed by the ICPs and what isn’t. 

Q:  How quickly can I expand my circulation?

A: As far as having a big circulation, while a great thought, it should be done with multiple magazines as opposed to one publication.  The reason this program is successful is because the traditional magazine model is not sustainable.  Big circulations require high rates that advertisers cannot afford.  Even in a good sized city if a magazines covers the entire city… advertisers in one part of the city may be paying to reach readers in parts that are so geographically remote that they will never do business with the advertiser.  Its better to have four small circulation magazines (north south east and west for example) than one big circulation magazine.

We spend a lot of time in the program discussing the difference between the two.  And, I always encourage people to learn to walk before they run and stay small.  These are small positive community magazines for small communities!

See why we believe in small positive community magazines. Order a FREE report here.

Writer’s Camps – Recorded on MP3

Learn how to learn how to wrote and self publish from our recorded Writer’s Camp…

Seven P Secrets of Self Publishing

When you write, you can work anywhere. 


Here I am working poolside in the winter, at our Florida farm.

gary scott

Here I am with our hound Ma, working during the summer at our North Carolina farm.

Learn how to earn everywhere, while living anywhere you choose.  I have been able to earn by writing in Hong Kong, England, the Isle of Man, Dominican Republic and Ecuador to name a few of the place I have lived.  Everywhere I have been… too numerous to share here, I have been able to work.

All I need is my laptop.

That’s all you need too… a laptop to be free!

Before computers, a pencil and pad did the job.

Freedom is just one benefit you can gain from writing.

Another benefit is income.   Writing has brought me both our farms, free and clear… plus a lot more.

Another good example of earning potential is my friend Hugh Howey.   He was working for $10 an hour in a book store when he self published his novel Wool, typing in a storage room during his lunch breaks.

Soon he was earning over $100,000 a month on Amazon.com.  This helped secure a six-figure book deal from Simon & Schuster, and an option for film by Ridley Scott, director of Blade Runner and Alien.

That’s what he’s doing now.

Hugh Howey

Sometimes Hugh and I get together at my  farm and play chess (he beats me badly).

Writers like High are great inspirations.

A couple of years ago Hugh  left Florida, and moved to South Africa.  He had a sailing catamaran built for him and now can sail the world while he continues to write.

Hugh explained it like this: And that’s the miracle of working as a writer: I can do it from anywhere and everywhere. The past few years, I’ve done a lot of writing from airplanes and airports while on business trips abroad.  SAND was entirely written overseas while traveling through seven different countries; I think it’s a better story because of those inspirations.  In upcoming years, I may be writing near your home port.

Hugh’s a super star writer and his success could not happen to a more deserving and talented person.  He pours enormous energy into being worthy of his readership.  But you do not have to be a million dollar a year earner or a traveler to benefit from writing.

The good news is… you do not need a huge success to have a rich and fulfilled lifestyle.  Self Publishing can bring you a life that most people only dream of, as a journeyman writer, instead of a super star.

May I hastily add that the path to stardom begins as a journeyman… so the journeyman’s path brings success without stardom… but can also lead to stardom.

What most success stories like Hugh’s rarely explain is the many hours of writing that was devoted before their self published book sales soared.   Hugh, like most writers were journeymen first.  Stardom came later.

Here are sevens secrets that can help you become a journeyman writer. 

The secrets are a writer’s armory of tools that allows almost anyone to create successful publications for income, freedom and fulfillment.

Take Merri’s and my publishing business as an example.  

Merri and I are not writing stars.  We are journeymen who have for more than 40 years, year in and year out, earned solid income writing and self publishing dozens of publications about multiple subjects.

Some years that income has been more than solid… over a million dollars.  Yet in terms of stardom, we are hardly known.

In a moment you’ll see why that’s fine for us and probably will be for you too.

First some history.

Merri became involved in self publishing over 40 years ago… first helping a veterinarian publish a book on a very specific market… animal acupuncture. Then she showed a needle point artist how to sell more books to an even more specific audience… “needle point enthusiasts”  about her needle point work to an audience larger than the population of the city she lived in.  This led Merri to eventually become Executive Editor of an award winning magazine in Florida.

My story allowed Merri and me to work and live from Hong Kong to London to Europe to Eastern Europe, then the Caribbean and then Ecuador… making millions in the process of following our adventures… having fun… while helping a large readership adapt to a rapidly changing world.

That’s what self publishing can bring, profit, adventure and fulfillment, a great feeling of worth and wonder.

Self Publishing has created exactly the lifestyle we desire allowing us to span the world and work with meaning and purpose.

Self Publishing has become a new business art form. 

The seven secrets can help you start your own self publishing business now.

Everything in publishing is new and exciting and changing.  Publishing is being recreated by the wonderful power of destructive technology.

Everything is new… except the seven secrets. 

Change in the publishing industry is disturbing many.   We love this evolution due to these seven secrets we call the 7Ps.  The 7 Ps are so fundamental to writing and publishing that new technology enhances rather than reduces their power.

The First P is Passion.

Whatever your passion, you can immerse yourself in it AND create income with self publishing.  This can be your direct ticket to the kind of fulfillment you’ve always wanted.

Whether you want to travel the world or live as a recluse, work 12 hours a day or not work much at all,  you can set your schedule to succeed, if you’re willing to learn these seven secrets.

You can start part-time with any dream, passion, and budget.  Once you’ve created a product, you’ll enjoy the “multiple effect” of producing profits over and over again.

So the question is… What do you love to do?

What’s Your Passion:  An example is that thirty years ago, a client of Merri’s had a passion to help people who were in pain?  He published a series of pamphlets explaining various chiropractic disorders in very simple terms.  For example: “What Is Whiplash?”

The pamphlets contained solid information, but were simple 5″ x 7″ brochures with drawings and explanations. He sold them with a rack to chiropractors, who put them in their offices for patients to read.  These little self-published items sold year in and year out for decades.

There are thousands of ideas of this sort that can lead to big business.  It’s just a matter of defining and then acting on your passion.

Although I can work when I please and go where I wish, for me the most important reason for being a publisher is the satisfaction it brings. 

I love the projects I take on, so work doesn’t feel like, well… work.

What do you love?  If you love golf, then you can write and sell publications about golf.  Love travel, fishing, dogs, dolls, or art?  Write and sell publications in these fields.

Are you concerned about crime, war, poverty or environmental issues?  You can publish information products that help reduce these concerns.

Would you like to help the world be a more spiritual place?  Publish a newsletter, write a book (or hire someone to write it for you), record a tape… publish something that enlightens people.

Whatever your passion, you can immerse yourself in it and earn income by publishing for ereaders, print on demand, CDs, lists, bound books, or any format you choose.

Be immersed in your passion and get paid well for it. 

This is why stardom is not the main goal for most writers and self publishers.  Extra income, more freedom and fulfillment are usually more than enough enough.

The seven Ps are:

#1: Passion

#2: Problem

#3: Person

#4: Profitably Priced Product

#5: Prospecting Pathway

#6: Promise

#7: Presentation

The first time I exposed others to the secrets in Self Publishing was in a weekend “Writer’s Camp” seminar.  We offered the camp for $1,500. 80 delegates enrolled.  People from all walks of life attended—chiropractors, businessmen, investors, doctors, realtors, inventors, airline pilots, engineers, and housewives.

Merri and I were so overwhelmed by the response, we decided to make it available to a larger audience.  We created a written course based on our current self publishing activity called “Self Fulfilled – How to be a Self Publisher.”  Then we recorded the weekend “Writer’s Camp” seminar.

Thousands have used the course as it has evolved over the decades.

You can receive both the written course and the recorded weekend seminar, in an MP3 file, in a special “Live Well and Free Anywhere” program I am making available to you.  The normal fee is $299 for the written course and $299 for the recorded workshop.   I’ll send you both the course and the recorded workshop and my course “International Business Made EZ (also $299) all for $299.  You save $598.

We are so confident that you’ll gain from this offer that if you are not fully satisfied, simply email us within 60 days for a full refund .

These courses are not theoretical.  They describe, step-by-step, how Merri and I built a million-dollar international business and how we are running this self publishing business right now.   We use the 7Ps today just as we did four decades ago to create a strong annual income.

This correspondence course is for those who would like their own international self publishing micro business for fun and profit. If you want fun, freedom, extra income and fulfillment with your own full or part time writing or want to build your existing business, by writing to sell you can profit from this course.  The course can help who want their own business or who want to have a business together or a family business.  This is the perfect course for those who can no longer find employment, who are looking for ways to earn abroad and who wish to retire and supplement their income.

Whether you are retired, an investor, chiropractor, doctor, dentist, professional or already own your own business, this offers another way to make money, to turn your passion into profit. We guarantee that we have shared all we know to help you start and run your own international business.  Enjoy and live a life of following your Passion to Profit… through writing.

Here is a special offer. 

We provide two emailed courses  “Self Fulfilled – How to Write to Sell and be a Self Publisher” and “International Business Made EZ”.

We include the “Self Fulfilled Writing and Self Publishing Course” because there are two reasons to write, when you have something to say or when you have something to sell.  In this day and age many of us want to do both, make a statement that makes the world a better place and earn something extra in the process. 

Whatever your passion, however you do business, chances are you’ll be writing either to create a product or to sell a product. 

You save more than $598 because you also receive a recorded webinar conducted by our webmaster David Cross (at no extra cost).

David-cross-images tags:"2012-4-20"

David Cross

David has been our webmaster since our website began in the 1990s.  He is Merri’s and my business partner. We could not run our business as we do without him.

Learn the tactics we use in our web business that condenses 27 years of practical experience about search engine optimization, and writing for search engines.

For the last 27 years David has worked with companies large and small – IBM, Agora Publishing, AstraZeneca and many small business owners.  He has worked in 22 countries, and lived in six of them.

David’s clients span the globe and represent companies and charities both large and small.  From corporate giants to small, one-woman businesses and everything from finance, healthcare, publishing, technology, real estate, veterinarians, alternative health centers and everything in between.

David is an essential part of our web based business.

Myles Norin, CEO of Agora, Inc.  wrote:  “I have found David’s knowledge and experience unmatched in the industry.  Without David’s expertise and guidance for the past 7 years, we would not be nearly as successful as we are.”

As Senior Internet Consultant to Agora Inc. in Baltimore, MD, he worked closely with Agora’s publishers and marketers and – over a 7-year period – helped to propel Agora’s online revenues from around $20 million to well over $300 million.

David’s webinar will help you gain benefits in your micro business that large internet marketing companies use.  In this practical recorded workshop you will learn valuable skills to help your micro business.

There has never been a time when the opportunity for small businesses abroad has been so outstanding.  Expand your borders now!  Increase your economic security freedom, independence and success.

If you are not fully satisfied that this offers you enormous value simply email us for a full refund within 60 days.  You can keep all three courses as our thanks for giving our courses a try.

You also receive a report  “How to use Relaxed Concentration to Brainstorm Business Ideas” and a recorded workshop “How to Become and Remain Rich With Relaxed Concentration” at no additional cost.

Plus you get more in the program.

You receive regular writing and self publishing updates for a year.  Businesses usually need to evolve.  Merri and I continue to publish and have our independent businesses.  Some basics have remained for decades, but new strategies occur all the time throughout the year.  We’ll be sending along updates that share our most recent experiences as we learn and continue to grow our international micro business from Smalltown USA.

My special offer to you in this “Live Well and Free Anywhere Program”, is that you receive:

  • “International Business Made EZ” course
  • “Self Fulfilled – How to Write to Sell” course
  • Video Workshop by our webmaster David Cross,
  • The entire weekend “Writer’s Camp” in MP3,
  • MP3 Workshop “How to Gain Added Success With Relaxed Concentration”
  • Any updates to any of the courses, workshops, reports or recordings for a year.

We are so confident that you’ll gain from this offer that if you are not fully satisfied, simply email us within the first three months for a full refund . 

Order “Self Fulfilled – How to Publish to Sell” and a quarter of update lessons $79.   Click Here.

Order “Self Fulfilled – How to Publish to Sell” and a full year of update lessons $299.  Click Here.      

See success stories from Self Publishers and a few who have attended the “Writer’s Camp” that you will receive on MP3.


Here is what one delegate said about this first Oositive Community Magazine training.

Hi Gary and Merri —  First of all, thank you both for such a fabulous meeting! It was really informative and stimulating — as all your sessions always are! I really enjoyed hearing Dave, Sherry, both of you & Joe Cox and getting the enormous benefit of all your accumulated wisdom and experience. It was so practical, and I’m looking forward for the Magazine in a Box to begin to arrive.

I was sent this TED video Israel and Iran: A love story? by a member of a Good Karma group to which I belong and was struck by the speaker’s talking about how good news spreads. It’s a beautiful story about how hungry all of us are for all that is good and loving in this world.

Hope this link works (I’m not the greatest with computers) and that you enjoy it. Gary, it would be a good link for one of your newsletters.

Much love, Sandy

I agree with Sandy. This Ted video shows the power of positive news and how we really can make a difference from our communities in Canada, the US, Ecuador or wherever!  Read the Ted Video Israel and Iran: A love Story?