Feed on

There is a great deal of social safety and security in Ecuador.

See below: #1 Ecu 911. #2: Earn With Social Networking. #3: More Dollar Danger Signs.

ECU 911 Ecuador Get Together – All You Need to Know – By Roberto Ribadeneira, Head of the Ateam Ecuador, in Quito

Many people have sent us emails asking for details about our upcoming Get Together Seminar that helps them get everything they need to know about Ecuador in one place.   One area we will look at is safety.

Ecuador offers piece and stability.

Ecuador 911

Ecuador-911 headquarters. Photo credit ecu-911

There are many security problems globally and many in other parts of Latin America.   Ecuador has always had low violent crime and has been especially aggressive in stopping drug problems.  We don’t have many protests and when we do there is rarely violence.

The police and local authorities are fighting common crime with everything they can.

At the upcoming Learn About Ecuador Get Together we have an expert from the government talking about our “911” program and how it is helping out to coordinate emergencies with cameras nationwide to reduce crime. He will give security tips and safety guidance.

Last October Ecuador received a $240 million loan from China to improve citizen security.

The government has created 16 points throughout the country that serve as response centers for the emergency services. The project, is called ECU 911.

3,000 surveillance cameras will be installed across the country, and electronic surveillance systems on the border will let authorities know if anyone crossing has an international arrest warrant against them.

Learn about the November Learn Ecuador “Get Together” here.

The Benefits  of a Social Family  – Ways to Earn in Ecuador by Gary Scott

We can turn the importance of a strong social family into a powerful benefit.  Our recent message All You Need is Love provides evidence that good social interaction can improve health and longevity.  This is also really good for profits and business.

Here is the irony… if you use social networking just to improve your business it probably won’t work.

One of the greatest assets of a micro business is personal focus and authenticity.  Big business cannot provide this because genuine care and willingness to serve cannot be delegated.  Big businesses try to create corporate cultures that generate enthusiasm, friendliness and care… but this process only works a little at best.

Human nature simply does not allow a 50 year old CEO in New York to motivate a 35 year old corporate trainer in Los Angles to train a 24 year old telephone responder in India to really connect and care about a 65 year old customer in North Carolina.

The shorter the path between the heart… the greater the shorter power.  The shortest path for care is often husband and wife and parent to child. The next shortest is usually friend to friend.  These friendships come from shared experiences or like minded interests.  The most powerful business friendships are direct from the head of the business to the customer.   Every level of delegation reduces the power of the friendliness in business.

Size also matters.  It is as easy to care for 10,000 as it is for 10… but not so easy to spend time with all 10,000 and personalization matters with care.

This makes the use of social media in business a delicate matter.  You have to care… you have to personalize in some way… but you also have to budget you time and resources to this.

How to Make Social Media in Business More Effective

This is really similar to the dilemma that health care providers face.  Healing is a very personal profession, but the business requirements often create pressures on the time required for a good face to face exam.

Those who have waited for hours in a medical office only to be rushed by a nurse for a glimpse of the medical professional as he quickly looks at the chart with seeming disinterest… who makes a quick diagnosis and departs has suffered from this care-business dilemma.

We can get ideas on ways to use Social Media in business by observing what health care professionals are doing. 

One growing wave is the use of technology to simply return to the house call.  New Tech equipment is portable. High tech algorithms can help determine whether a hospital or at home visit is required and technology can help reduce labor costs in scheduling and travel time and rent as office size can be reduced.  

The NYT article “Hi, It’s Your Doctor” by Ezekiel J. Emanuel says:   In 1930, house calls accounted for 40 percent of physician interactions. By 1980, that number had dropped to 1 percent.

But after a half-century, the house call is making a comeback. The available data on house calls are spotty at best. But one study estimated that in 2010, about 4,000 physicians conducted more than two million house calls. Some do what my father did: attend to urgent but not emergency situations, taking care of people with stomach pain, fever, cuts needing stitches and the like. These kinds of urgent-care problems are best treated by a house call, but account for about 40 percent of the nearly 130 million annual visits to emergency rooms.

Companies like Microsoft and Costco provide similar house calls to their employees in the Seattle area. Carena, a private company under contract for the service, sends out doctors or nurse practitioners to assess the situation with the assistance of computer software. The software uses algorithms to help them differentiate between cases that are safe to handle at home and those that require the emergency room.

Another approach is the shared medical exam.


Changing Health Care – Is it time to consider adding shared medical appointments to your practice?

The shared medical appointment (SMA) is a health care provision model that has emerged as a desirable option for quality care. These are medical appointments in which multiple patients with the same chronic medical condition are seen as a group for follow-up or routine care (thus, patients share their appointments). The SMAs provide a setting in which patients have improved access to their clinician, the benefit of added education, and can share experiences and advice with other patients with the same disease. To address these educational needs, this program will provide practitioners with the tools to implement successful SMAs in their medical practices. This program will also stimulate participants to formulate ideas and discuss ways to increase patient access and quality outcomes when implementing shared medical appointments.

Here is How a Top Selling Self Publisher Uses Social Media

The Wall Street Journal article “Sci-Fi’s Underground Hit” says of Hugh Howey:  Authors are snubbing publishers and insisting on keeping e-book rights. How one novelist made more than $1 million before his book hit stores.

Hugh Howey’s postapocalyptic thriller “Wool” has sold more than half a million copies and generated more than 5,260 Amazon reviews. Mr. Howey has raked in more than a million dollars in royalties and sold the film rights to “Alien” producer Ridley Scott.

And Simon & Schuster hasn’t even released the book yet.

Check out what Hugh has to say about how he uses social media in my interview with him.

Also go to Hugh’s website here.

Go to the video August 5th, 2013 entitled “That’s So Awesome!!!”  Click on the picture of a three year old boy titled “What say you, little man?”   You will see social media at its best.

Here is the 4 minute social interview with Hugh.

See a four minute video of my interview with Hugh Howey speaking on Using Social Media

How to Enhance Your Social Media

For those who want to use Social Media in your business my friend and tax attorney of many decades Joe Cox has alerted me to a social media optimization service called helpme SOCIAL.

This service provides social media management for businesses and professionals.

helpme SOCIAL manages your social media for you.  They collect, curate and manage personalized content to build  better communications, raise your brand awareness and increase revenue.

Here is a short video to show you how helpme Social can and help you grow your business!!

This era of broadband communication allows us to easily connect with like minded souls.  Using this technology to create good social interaction can improve health and longevity as it improves profits and business.

More Dollar Danger Signs

The US dollar is Ecuador’s currency. If the dollar falls… all imported goods will cost more in Ecuador and we can see the future of the greenback in the here and now.  There are many danger signs… weak fundamentals, low interest rates, rising US deficits and debt, plus a risk of the first default ever. Yesterday’s message reviewed how the dollar has weakened over the past three weeks.

Stronger Dollar Danger Sign

Future currency positions are a leading indicator of  a currencies future strength.

The Friday Sept. 20, 2013 Reuter’s article “Net US dollar longs fall to lowest level in 7 months – CFTC,” says:  Currency speculators cut by more than half their bullish bets on the U.S. dollar to the lowest level in seven months, according to data from the Commodity Futures Trading Commission released on Friday.

This is one more signal that the greenback is at great risk of tumbling now.

One way to protect against the dollar’s weakening is to invest in a basket of fundamentally stronger currencies that pay higher interest.

Recent posts have looked at the ENR Global Currency Sandwich  as an equally-weighted anti-dollar portfolio including the Norwegian krone, Swedish krona, Singapore dollar, New Zealand dollar and gold bullion.

These are good value currencies.   We reviewed the Singapore dollar in the recent post “More Problems Emerge in Multi Currency Market“.  The post  Are we days from Dollar Disaster   reviewed the Mexican peso. Yesterday’s post  Serene Success looked at the upwards potential of the New Zealand dollar.

swedih korner cahrt www.finance.yahoo

US dollar dropping over 40% versus the Swedish kroner Chart from www.finance.yahoo.com

Click on chart to enlarge and see how the US dollar has dropped over 40% versus the Swedish kroner in the past ten years.

The chart shows how the kroner has risen steadily after the 2009 fear based dollar boost and it is in a much longer term upwards trend as well.

Sweden has been the safe haven since the 2007 recession.  The AAA-rated Swedish bonds are the default safest in the world for the foreseeable future.

The Swedish government bond market is the world’s safest when looking at sovereign credit risk factors such as solvency risk, external dependency and governance.

Sweden’s debt-to-GDP ratio stands below 40%.   This is one of the lowest in the world.  Sweden is a high-income country that has government surpluses.

Sweden’s current account surpluses are also very strong at over 7% of total GDP.

Sweden is in the EC but has its own currency so is not pulled down by Greece, Portugal, Spain and Italy.

The Swedish kroner is a good place to diversify some of your investment and savings for the next year or so when the US dollar is at risk of a large downwards slide.

Compare the fundamentals of the US versus Swedish kroner. The dollar is slightly stronger in one important fundamental, the interest rate, 2.92% for 10 year bonds versus 2.74% for Sweden.  Budget deficit however for Sweden is -1.4% of GDP.  The US deficit is -4%.  The current account for Sweden is +7.1% of the GDP compared to -2.7% for the US. These fundamentals suggest that the Swedish kroner will maintain strength versus the US dollar.

Two ETFs that invested only in the Swedish kroner are iShares MSCI Sweden Index ETF (symbol EWD) and CurrencyShares Swedish Krona Trust ETF (symbol FXS)

For more information on investing in the Swedish kroner via Jyske Bank US investors contact Thomas Fischer at Thomas@enrasset.com

Non US investors contact Henrik Boellingtoft Henrik.boellingtoft@jbpb.dk

We’ll review various multi currency portfolios at our October 4-5-6 International Business and Investing seminar. See details below.


Learn about Ecuador and how to earn in Ecuador with Writing at our Oct. 4-5-6 seminar.

Multi Currency Value Investing Seminar

Old Accord Creates New Profits – Multi Currency Investments.

Earn more with multi currency stock market breakouts.

Improve Safety – Increase Profits

Learn how to improve the safety of your savings and investments by selecting good value and diversified investments in a multi-currency portfolio.

Few decisions are as important to your wealth as the value of the markets and currencies you invest in.  This has been our area of expertise since the 1970s and we have worked with and advised some of the largest currency traders in the world.

Gain Protection First – Against the Dollar’s Purchasing Power Loss.  In 1913 the The Federal Reserve Act created the Federal Reserve Bank to protect the purchasing power of the US dollar, which has since lost about 94% of its purchasing power.  Here is its price compared with gold since 1900.

priced in gold

Dollar chart from pricedingold.com (1)

The Fed has let the dollar lose most of its strength plus has allowed interest rates to fall so low, that safe investments cannot keep pace with the drop in purchasing power.


Chart from Grandfather Economic Report (2)

Many investors have forgotten about the risk of a falling dollar because the greenback has been strong for the past five years.  This temporary dollar strength came after the great recession of 2009 just as there was temporary dollar strength after the great recession of the 1980s.  Then about six years after the recession, an agreement was made by major governments to weaken the dollar.

There was a severe global economic recession affecting much of the developed world in the late 1970s and early 1980s.  The United States and Japan exited the recession relatively early, but high unemployment would continue to affect Europe and the UK through to at least 1985.  As a consequence between 1980 and 1985, the US dollar had appreciated by about 50% against the Japanese yen, Deutsche mark, French franc and British pound, the currencies of the next four biggest economies at the time. Then the governments reached an agreement and exchange rate values of the dollar versus the yen declined by 51% from 1985 to 1987.

Now the world is again in the same place.  The recession is over.  Europe is a bit behind in recovery and the dollar is higher than before the recession.

There is no reason for the greenback to be  strong.

The agreement in 1985 was called the Plaza Accord.   Over just two years the greenback dropped nearly 50% versus other major currencies.  The next accord will generate great profits for those who know what to do while it ruins the purchasing power of dollar back investments.

The strong US dollar and low interest rates have created one of the biggest stock and multi currency breakout opportunities in history.  Learn how to create a plan to profit from multi currency shifts ahead.

One reason for the potential gains is that stock markets and currency values are cyclical.  Due to low interest rates created by the 2009 economic downturn, the US and a few other equity markets have risen to some of their highest prices, ever.  These markets offer very poor value now.  The steep valuation creates incredible profit potential but also hides some enormous risks.  Learn how to develop an investing strategy based of earnings, cash flows, dividends and book values to increase potential for profit and reduce the risks.

Next Extra Profit Created by Value Breakouts

Over the history of US equity markets, the  price of overall markets have risen about 9.1 percent, respectively, compounded annually.  Yet over more than a hundred years of stock market activity,  a majority of the profits have come from just a very few dramatic breakouts.

Equity markets are ruled in the short term by emotions that create unpredictable ups and downs.  Numerous fears of defaults, worries of double dip recessions, high unemployment, concerns about fiscal cliffs, hold investors back.  Yet global population growth and advances in production and prosperity are relentless economic fundamentals that increase value.

When fear holds back a a fundamentally rising value, rising profit potential grows.  Values increase as prices stagnate.  Then markets break free and rocket upwards creating wealth, prosperity and growth.

Find out which breakouts are likely to take place next.

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 years as shown in this graph.


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 create war.

Here is the war stock cycle.  Military struggles (like the Civil War, WWI, WWII and the Cold War: WWIII) 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.

Learn how the Cyber War (WWIV) may change the way we live and act and how this will affect currencies and investments.


* 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), but 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 outperformance 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.  Buffett leverages his portfolio at a ratio of approximately 1.6 to 1.  This rate of expansion by the way is called the “Golden Ratio”.  It is a mathematical formula that controls the growth of most natural things; trees, the shape of leaves, the spiral of shells, as well as the way economies and societies grow.

We’ll sum the strategy, how to leverage cheap, safe, quality stocks and for what period of time based on your 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 (almost) years of investing experience combined with wisdom gained from some of the world’s best investment managers and economic mathematical scientists.

Enjoy investing more with slow, worry free, good value investing.  Stress, worry and fear are three of an investor’s worst enemies.  These are major foundations of the Behavior Gap, a trait exhibited by most investors, that causes them to underperform any market they choose.  The behavior gap is created by natural human responses to fear.  The losses created by this gap grow when investors trade short term under stress.

Learn how to put meaning into your investing by creating profitable strategies that combine good value investments with unique, personal goals.

Learn how to span the behavior gap.  Behavior gaps are among the biggest reasons why so many investors fail.  Human evolution makes fear the second most powerful motivator.  (Greed is the third.)  Fear creates investment losses due to behavior gaps.  Fear motivates us more strongly than desire.  By nature investors are risk adverse, when they should embrace risk.  Purpose is the most powerful motivator,  stronger than fear and greed.  One powerful way to overcome the behavior gap is to invest with a purpose.

Combine your needs and capabilities with the secrets and the math of our good value model portfolio.

Share ideas about my good value portfolio.  My personal investment portfolio comes from a continual analysis of international stock markets and a comparison of 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.

Markets included in this portfolio are:

• Norway
• Australia
• Hong Kong
• Japan
• Singapore
• United Kingdom
• Taiwan
• South Korea
• China

These markets have been chosen based on four pillars of valuation.

• Absolute Valuation
• Relative Valuation
• Current versus Historic Valuation
• Current Relative versus Relative Historic Valuation

Learn how to use Country ETFs to easily construct a diversified, risk-controlled, equally weighted representative country portfolios in all of these good value countries.

To achieve this goal my portfolio consists of Country Index ETFs that track an index of shares in a specific country.  These country ETFs provide diversification into a basket of equities in the good value countries.  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.

This is an easy, simple and effective approach to zeroing in on value because little 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 pick and choose shares.  You can invest in the index which is like investing in all the shares in the index.  All you have to do is invest in an ETF that in turn invests passively in all the shares of the index.

Learn 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 a test.

The Test for Low Cost Trading

Research put every part of this portfolio in place, except knowing the best, easiest and least expensive way to buy.  A search for an optimal way to buy and hold boiled down to two methods.  One tactic to test was to use a unique online broker that appeared to offer the lowest cost deal.  The other approach was to use a community bank in Smalltown USA.  The small town bank that I use looks after my 401K trust account and their service is first class.  The benefit of small banks is that they still treat us as a human beings (instead of a number) and when we need, it’s easy to go right to the top to answer a question or get a problem resolved.  There are no call centers and the bank and the person looking after my account is just around the corner.

I created a test to see which offered the least expensive service.

Working with my banker in Smalltown USA,  I created two accounts, one at the online broker and the other at the bank. I placed $40,000 in each.

I set up the order for the country ETFs online, while my trust manager set up orders for the identical amounts of the same shares in his system.  Then we got on the phone, coordinated our timing and on a count of three each pushed the button “BUY”.

The results of this test  show how you can gain on any purchase of country ETFs.

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.


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 “Silver Dip 2017” 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.

Your subscription will be charged $299 a year from now, but you can cancel at any time.




(1) Dollar chart from pricedingold.com

(2) Grandfather Economic Report


Wall Street Journal on Hugh Howey Sci Fi’s Underground Hit

New York Times Hi It’s Your Doctor  

Cleveland Clinic Changing Health Care – Is it time to consider adding shared medical appointments to your practice?

Net US dollar longs fall to lowest level in 7 months – CFTC, Reuters