From where did you get this info? to use frame is not a black hat SEO techniques but once you use frames crawler will not find all pages thats why it wont help in SEO.
Is being hosted in another country a mistake? Like if iam hosted in australia and my target customer is in US, google search engines will rank me in australia and not in US ?
Yes, right. using Frames is not black hat. A site with frame doesn't seem to be so professional. I don't think there's any problem with Google crawling your site. the problem lies in when user find your site, Google will lead them to the individual page instead of the main page with the navigation etc.
I agree with you guys and love so much when my specific page was index good by google and other SE.Now I learn how SE algorithm doing job actually from what content we serve to them.Narrowing your niche and master on that criteria it's should better for traffic and SERP .
Good tips for a noob but this are like you asvk a driver what's the sign for stop ... who knows something about SEO knows this