www.expatworld.net and www.expatworld.org December 2013

THE NEW

EXPAT WORLD“the newsletter of international living”

FOR THE POST 911 WORLDBringing you the world in a way you’ve never seen before.

Volume 26. No. IV

A GLOBAL SOCIETY IT'S AN ABSOLUTE NECESSITY TO ABOLISH PASSPORTS OR FOR

THE SHAKERS OF THE WORLD TO HAVE AT LEAST TWO.Expat World made that headline

statement which most of our readers will understand completely, but for those of you new to EW, let me give you an in the nutshell synopsis.

The passport is a document familiar to every traveler for travel to different lands has evolved now-a-days to a document used more like a nazi tattoo on the arm of it’s Jewish concentration camp prisoners. This use of a passport as a weapon for ID and tracking of personal and financial data of its citizentry. It is particularly abused by the BIG BROTHER governments of the world. The passport was originally a document issued by a national government to certify the identity of the holder for the purpose of international travel, but how long have these documents been issued to the weary traveler?

It seems that the true origin of the passport is found in early references to passport being made in the medieval era, and attributed to the time of the Persian Empire around 450BC. It is said that Nehemiah, an official serving King Artaxerxes of Persia, asked to leave the Kingdom and travel to Judea. On this request the King granted him a letter requesting safe passage, as he traveled through the lands beyond the Euphrates.

The Passport Enters The Middle Ages -- In the medieval Islamic world, a formal document would also be issued to those citizens whom were loyal citizens and had paid their taxes. This document would then entitle the holder to travel throughout different regions of the caliphate.

Throughout the middle ages, it seems that identity documents were

not required by the sea faring traveler’s upon reaching a foreign port. Although as soon as anyone set foot outside the port, a formal document of some sort (i.e. passport) was required.

King Henry the 5th of England has been given credit to the creation of the modern passport. This document is now the earliest surviving reference to what we all consider to be a passport, and used in the same context as it was in the modern world until the terrorist events of 911 in America that started the degradation of freedom in America and the Western World.

After a sitting of the parliament, it was made law that these documents could be issued to anyone, no matter who he or she was (foreign nationals would even be issued theirs free of charge).

Of course the Monarch himself at that time did not require such a document as is true today as far as we can reseach. Queen Elizabeth does not have or need a passport since the passport is given in her name. But the President of the USA does. Barack Obama has a legal valid one presently. We’ve seen the copy of one issued to him in 1961 and it does show him BORN IN AMERICA contrary to what the Tea-Party bozos and some of the Fox News talk show hosts opine.

The earliest use of the term, ‘Passport’ dates back to the regine of King Louis XIV of France , but there is no certainty to it’s exact meaning. Many have subscribed to the idea (myself included), that the term is derived from two French words and relates to the passing through city gates or walls (or possibly sea fearing ports).

The Standardization of The Passport -- Although in use, the

passport was not commonly required in Continental Europe leading into World War 1. In fact the document was being used less and less during this period. People were free to cross borders in most of continental Europe without the use of a passport. It was the beginning of the ‘Great War’ (WWI) that symbolized the requirement of an identity document across the worlds borders and shores. This steered the passport on a course towards it’s current use for travel.

The advent of photography saw the use of photographs in passports in the early decades of the twentieth century. Before the days of photograph’s in ones passport, a complete list of facial features was included in the document. Describing the shape of face, complexion, color of eyes, size of nose, color of hair and so on.

Could you imagine this going on in today’s politically correct world? -- Following the Great War, the ‘League of Nations’ held a series of conferences in the 1920’s that would lay down further guidelines for the roll-out of passports to all global citizens wanting to travel internationally.

Throughout the middle to late 20th century there was still no formal and absolute guidelines on the control of the document. Until the year of 1980, where the ICAO (International Civil Aviation Authority) took control of the document. This agency (a specialized branch stemming from the United Nations) has outlaid the requirements and specifications for the standardization of the document until this day.

-- In the modern era, we have seen the passport continue it’s evolution in fits and spurts over the last 100 years. It’s morphing from a simple mainly hand

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written booklet into the modern and complex design of the e-Passport. The modern passport looks no much different that it did 20 or 30 years ago except hidden in it’s covers is a biometric data chip, and more, that invades the privacy of the holder and makes tracking him exceedingly easy taken the agencies like the National Security Agency of the US Government.

It appears the world we currently live in has seen governments around the world push the security of this little document even further, and the roll-out of the e-Passport standard throughout the world is beginning to reach far and wide.

Watch out though as big brother is watching, and there are plans to embed a monumental amount of data into the microchip in the e-Passport. The limited information currently embedded into the chip is just the beginning. The complexity of this document will continue to evolve. After the events of September the 11th 2001, world governments will slowly push the boundaries of what many consider to be civil liberties of an individual.

We’ve moved from seals and signatures to holograms and microchips. As the technology surrounding the passport continues to grow. Who knows, that day may come where we all have that dreaded microchip implanted in our bodies, with no real need to carry a passport.That has been predicted in science fiction for many years and seems to becoming to reality! (See MicroChip testing on US Soldiers)

• • • • •NOW FOR THE BEST NEWS EXPAT WORLD HAS HAD

FOR A LONG TIMEAs you all know or anyone who has checked out Expat

World knows, EXPAT WORLD DOES NOT SELL PASSPORTS. What we do is sort out immigration consultants, lawyers, government representatives around the world in many countries where it is still relatively easy to get a second nationality/second passport by some scheme or program the government has set up. Be it economic citizenships, birthright citizenships, more residents of value needed, etc, etc., EW has sought this out for our readers. We have found and only recommend those which we have determined to have been and still are, in our opinion, honest and reliable meaning you will get the service and ultimately the documents you have hired us to obtain for you. With that said, we have been busy at Expat World and are now going to reveal to you our list of countries where we can have obtained for you, through our extensive new network, either a resident permit, or a citizenship/passport. We will only reveal the details of how, fees involved, time period etc. directly to you when you get back to us on a one on one basis. We asked you to email us initially at either of these two email addresses: expatworld@pobox.com or expatworld@hushmail.com -- PUT “NEW PARACHUTES” in the subject heading of your email --AND PLEASE be selective from the choices offered as if you are serious not just searching endlessly. Wannabes and time-wasters need not apply. Before we give you the list, just let me mention the tried and true program that has been running over 10 years now has recently been revamped and is even better in our opinion for the final documentation is bullet proof. Ask for the G-program when requesting Information.

• • • • •

NOW TO THE LIST 1. THE G program. Long running, best value for fees

anywhere!2. Mexico3. Venezuela4. Paraguay5. Hungary (EU)6. Commonwealth of Dominica7. Saint Kitts and Nevis8. Antigua and Barbuda9. Dominican Republic10. Dominican Republic (Quick Step: 1-2 days per visit). 11. Cyprus (EU)12. 12.Cambodia

AND COMING ON LINE WITHIN A FEW WEEKS OF YOU READING THIS ARE:

• South Africa • Lesotho • Mozambique • Namibia • Swaziland • South Africa • Zimbabwe • Mozambique • Zambia

THAT’S ALL FOLKS -- Waiting on your emails.

INTERNATIONAL TAX PLANNING ?????

Whether you are new to the international world or even an old hand you will find here six tips for your international tax planning and asset protection program:

Tax Tip #1: First, maybe you don’t need to do anything. As-set protection isn’t an issue until you’ve got assets enough to warrant the investment of time and money to figure out how to protect them, and many retirees overseas don’t need to invest in tax planning either. A move overseas is often a tax-neutral event for someone with only retirement (that is, pension or Social Se-curity) income.

Tax Tip #2: Second, whatever you do, it shouldn’t cost you tens of thousands of dollars. OK, maybe if you’re Bill Gates or War-ren Buffet, a big investment in managing your tax and asset is-sues is warranted. For you and me, it’s not.

Tax Tip #3: Third, the Foreign Earned Income Exclusion (FEIE) may be the beginning and the end of the tax planning you re-quire. As an American citizen living and working abroad who qualifies for the FEIE, your first US$97,600 (for 2013) of earned income is tax-free in the States. Note, though, that the FEIE applies to earned income only. It’s no help when it comes to investment, dividend, interest, or cap-ital gain income.

Tax Tip #4:Fourth, when it comes to purchasing and holding real estate overseas, remember two things: First, the jurisdiction is the key; second, as a result, no attorney in your home country is going to be able to help you figure out what to do. You need a local attorney experienced at working with foreign buyers to

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help you determine how to purchase and how to hold (in a local corporation, in a foreign corporation, in your own name, in a trust, etc.).

In some jurisdictions, you’re wise to hold property in a local or an offshore corporation...but not all. Before you do anything, make sure you understand why you’re doing it and the real ben-efit.

Tax Tip #5: Fifth, when it comes to addressing the tax issues in any new jurisdiction where you’re considering taking up resi-dence, the key is to research, plan, and take action before taking up residence. Certain options for mitigating your local tax bill can be taken off the table once you’ve taken a local address. Get local legal advice as early on in your planning as you can.

Tax Tip #6: Sixth, you can avoid any local tax issues by being only part-time resident overseas. The particulars differ jurisdic-tion to jurisdiction, but, generally, spend fewer than six months in a place and you can’t be considered full-time resident for tax purposes. This can mean no tax obligation in the country where you’re part-time residing, but it also means that you will need to use the 330 Day Test, and not the Residency Test, to qualify for the FEIE. This means you can spend only up to 35 days per year in the United States (as I said, not an issue if you don’t have earned income).

Editor’s Note: If you want to know more about offshore tax plan-ning in todays complex world and also to stay up to date on ever-changing requirements you can sign up for Lief Simon’s publication , The Simon Letter

10 items you don’t need when you travel

internationallyA few issues of EW go we published the 10 items we think you must always have when you travel internationally. So naturally we no post the list of 10 things you don’t need when traveling internationally.

Here’s EW’s list of travel leave-behinds. Keep these items at home, and save some space in your suitcase for souvenirs and travel essentials.

LEAVE BEHIND

• Traveler’s checks. Traveler’s checks used to make it easy to securely travel with a large amount of money. But using traveler’s checks today can be a big, expensive hassle. Even if you don’t pay anything to get them issued, you will definitely pay a hefty service fee when you cash them. Since many establishments no longer want to deal with travelers checks, you may have to fit finding a bank into your itinerary in order to cash them. Stick with your credit/debit card and cash instead.

• Devices that keep you connected to work. This is a vacation you’re taking, isn’t it? You’ve worked hard and deserve some time off, so make sure you unplug enough to actually enjoy yourself. If possible, leave the work phone

and laptop behind, with instructions to reach you only in an emergency. Give yourself permission to enjoy some much-needed time with loved ones or even all alone.

• Snacks. If you have dietary restrictions, bringing snacks is a great way to ensure there are some foods you know you can enjoy and eat safely. If not, keep the amount of snacks you bring to a bare minimum. Instead, try snacking like the locals, which will save you plenty of money as well as room in your luggage. And who knows, you may discover an amazing treat along the way. And not to worry if you aren’t up for the local treats. I’ve found potato chips, peanuts, Oreo cookies and plenty of other US-branded snack foods in the most remote corners of the earth.

• Shampoo and soap. Every hotel on your itinerary will have these available for you in your room. If not (hard to imagine), it’s easier to pop down to a corner store and pick some up then hefting your own along. Not every hotel will offer conditioner as an amenity, though. I pack a travel-size bottle of conditioner with me, and I’ve never run out, even washing my hair daily.

• A hair dryer. Most women and many men rely on their hairdryers on a daily basis, but there’s no reason to pack a full-size dryer in your luggage. Every hotel in today’s world will provide you with a hairdryer. Even if you don’t find one in your room (rare occasion) you’ll be able to borrow one from the front desk. Don’t count on a diffuser, though. If you need one, carry a mesh sack, available in any store that sells beauty supplies, that fits over the top of every dryer.

• New shoes. A vacation is no time to break in a new pair of shoes. Instead pack a pair of extremely comfortable walking shoes that you know you can wear to explore your destination pain-free. Unless you know you’re going to need to get very dressed up at some point, try and make due with an extra pair of shoes that can do double duty, for comfort by day and for style by evening. Definitely do not bring stiletto heels with you. You’ll lug them around and probably never wear them.

• Denim jeans. Jeans are heavy, take up a lot of space in your suitcase, and can’t be washed and dried in your hotel sink. Opt instead for light, breezy clothing, such as cotton shirts and khaki pants. If you can’t live without at least one pair of denim jeans, wear them on the flights. If they need to be washed, send them to the hotel laundry and accept the charge as a splurge.

• Jewelry you would hate to lose. If you would be devastated to lose your grandmother’s antique ring or a necklace you were given for your high school graduation, leave them at home. Travel with a few pieces of costume jewelry that you wouldn’t mind losing. And to perk up your wardrobe, check out the many inexpensive options at local markets. You’ll find lots of great items, often hand made, and help local artisans earn a living from their craft.

• An iron. Talk about a space hog. Irons are heavy to carry around (even the travel variety) and will probably require a plug adapter. For wrinkles that absolutely have to come out, try running the hot water until the bathroom fills

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with steam. If you hang that garment up in the steamy bathroom, the wrinkles will mostly disappear. If you hate wasting all that water (and electricity) a travel-sized bottle of Downey Wrinkle Releaser will do the same thing, and your clothes will smell lovely, too.

• An overabundance of clothes. Take a few comfortable outfits, that you can dress up or down with accessories. A few extra tops can turn two pairs of slacks and a skirt into a whole week’s wardrobe, and if you stick to one color palette, you’ll always match. Bringing less clothes from home will assure you’ll have space in your suitcase for those one-of-a-kind or handmade pieces that you’ll find as you travel.

Lower Your 2013 Tax BillNow that we are closing out 2103 and you have just over

4.5 months to benefit yourself by structuring your finances to pay the lowest legally possible tax payment to Uncle Sammy, we present you with some info and suggestions to ease the pain of giving part of your hard earned cash to the Big Brother government of the US of A to squander away.

But before EW gives you some tips on saving some tax money, our one BIG TIP, the BIGGEST TIP EVER is to become an EXPAT which will qualify you for no taxes to pay on your first $92,000 in income. That’s $92,000 TAX FREE. But if you insist in living in a country that will grab over 50 percent of your earnings through Federal, State, Local and the hundreds of hidden taxes then pay the fiddler.

Many people aren’t aware that new hidden tax hikes will hit many people this year. Here’s how to lessen the blow.

Don’t get caught in the trap where you think that tax planning would be easier this year, you’ d be wrong.

On New Year’s Day, Congress finally agreed to settle many unresolved issues, raising taxes for most Americans. But only one change was simple: the end of a two-percentage-point cut in Social Security taxes, which is costing wage earners up to $2,274. Most of 2013’s other tax increases are less broad-based and more complicated. This year’s code includes two new taxes, a new top income-tax rate, a new top rate on long-term capital gains and dividends, a new inflation adjustment to the alternative minimum tax, or AMT, and two revived tax-benefit “phaseouts.”

The upshot: For many people, it is more important than ever to estimate next April’s tax bill before year-end, while it might still be possible to make adjustments.

While the top 1% of taxpayers will bear much of the burden of this year’s increases, experts say, the code also has new tax traps for the affluent, roughly defined as people with an adjusted gross income, or AGI, between $150,000 and $500,000. Especially for families in this range, it’s hard to predict the tax rate without a sophisticated computer program, according to tax specialists we have approached.

The changes make it especially hard to guess the marginal tax rate—or how much a taxpayer will owe on added dollars of income. Important financial decisions often are based on such calculations.

An example: This year a married couple with two children, typical deductions, $230,000 in wages and $20,000 in net investment income will be in the 28% income-tax bracket. But if they have an additional $10,000 of wages, their actual rate on it will be 38.8%—more than 10 percentage points higher. This hidden rate comes from the interaction between the AMT

and the new 3.8% net investment income tax. Last year there was no 3.8% tax, so this anomaly wouldn’t have existed.”

This year’s taxes become even more complex if the taxpayer has “passive” income or losses from investments, or a sharp spike in investment income, perhaps from the sale of a large asset. The family mentioned above, for example, could owe nearly 13 percentage points more than the nominal 15% rate on long-term gains.

To find out how you could be affected, consult a tax professional, such as a certified public accountant or an IRS Enrolled Agent, or use an online tool. Preparers such as TurboTax and H&R Block offer estimation tools, and the Tax Policy Center, a nonpartisan research group in Washington, offers an estimator that allows users to compare last year’s tax with this year’s at calculator2.taxpolicycenter.org.

Here are facts about the new pitfalls, plus moves for many to consider making before year-end.

What to Know -- The Net Investment Income Tax. Passed by Congress in 2010 to help fund the health-care overhaul, the NIIT is an entirely new levy this year of 3.8% on the net investment income of most couples above a threshold of $250,000 of adjusted gross income, or AGI ($200,000 for single filers). The tax applies to net capital gains, dividends, interest, rents and royalties, among other things, but only to the amount of such income that is above the threshold. So if a couple has AGI of $240,000 plus $20,000 of net realized gains (after deducting losses), $10,000 would be subject to the tax.

One point of confusion is how taxable retirement income such as pension or individual-retirement-account payouts interacts with the 3.8% tax. While this income isn’t subject to the new levy, it can raise AGI so that other income is.

For example, a couple with $270,000 of AGI in Social Security, pension and IRA payouts wouldn’t owe the 3.8% tax. But a couple with $240,000 of the same income, plus $30,000 of net gains and interest, would owe $760 on $20,000 of the investment income.

Because they are tax-free, qualified Roth IRA withdrawals aren’t subject to the 3.8% tax and don’t raise AGI. In addition, shareholders in closely held S corporations and partnerships won’t owe the 3.8% tax on payouts if they “actively participate” in the business by meeting certain requirements.

Many people still are unaware that deductions for state taxes and other expenses can reduce net investment income, even if they are limited elsewhere on the return, such as for the AMT.

Personal Exemption Phaseout -- This benefit limit, also known as PEP, returns in 2013 after an absence of three years, with some differences. This year, each taxpayer can ordinarily deduct $3,900 for herself, her spouse and her dependents. Thanks to PEP, this benefit now begins to phase out at $300,000 of AGI for married couples and $250,000 for single filers. It is gone by about $422,500 for couples and $372,500 for singles, says Roberton Williams of the Tax Policy Center.

For taxpayers who aren’t subject to the AMT, Mr. Hesse says, PEP can add an extra percentage point per taxpayer or dependent to the tax rates on income in the phaseout range. Such taxpayers often will be residents of states without an income tax, he adds, so a family of six in Texas or Florida could have a six-percentage-point higher rate on some income due to this provision.

Pease limit on itemized deductions -- This hidden increase, named after a former congressman from Ohio, also returns this year. The Pease limit disallows 3% of itemized deductions above the same income thresholds as PEP, up to a maximum disallowance of 80%. Common itemized deductions

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include those for mortgage interest, charitable contributions, medical expenses and state and local taxes.

In effect, the limit is an income-tax surcharge of about one percentage point for taxpayers in the 33% bracket and 1.2 percentage points for top-bracket taxpayers, the Tax Policy Center’s Mr. Williams says.

Medicare payroll-tax increase -- Taxpayers will owe an extra 0.9% of Medicare tax on wages above $250,000 of adjusted gross income ($200,000 for singles). This comes on top of the 2.9% Medicare tax for all workers, which is split evenly between employer and employee.

Taxpayers should beware of a marriage penalty that can come with this tax. Two single people who live together and earn $200,000 and $100,000 of AGI, respectively, won’t owe this extra payroll tax. But they will owe an extra $450 if they are married—and employers won’t withhold it, because each is below the AGI threshold. People are going to be surprised.

What to Do -- Minimize adjusted gross income. Four of this year’s tax increases have thresholds tied to AGI—the number at the bottom of the first page of the tax return, before deductions -- rather than to taxable income, which is after deductions.This means that tinkering with deductions won’t help to avoid these increases. Instead, you have to do everything possible to lower AGI. Among the moves that help: contributing to a tax-deductible IRA, 401(k) or defined-benefit retirement plan; realizing capital losses up to the amount of realized gains, plus $3,000; favoring tax-free Roth IRA income over taxable retirement payouts; having tax-free municipal-bond income; or deducting moving expenses and heath-savings-account contributions. It also helps to make charitable contributions with appreciated assets rather selling them and giving the cash.

Some CPA’s are advising some clients to sell private-company stock in installments to spread income over several years to avoid triggering higher taxes.

In states with community-property laws, such as Texas and California, it could now make sense at times to use the “married, filing separately” status to minimize overall tax. “Couples with separate-property capital gains can sometimes avoid the 3.8% tax by filing separately,” she says.

Do an AMT check -- This year the alternative minimum tax might be lower than in the past for some. The reason: The new higher rates and limits on exemptions are raising regular taxes for many affluent taxpayers, which in some cases lowers their AMT. That in turn can allow them to take deductions that are clipped or eliminated by the AMT, such as the one for state and local income taxes. Given this change, tax specialists recommends either accelerating or deferring state tax payments and other AMT-vulnerable items, depending on circumstances. The point is to make sure that every expense that can be deducted is deducted, because it may not always be able to be deducted.

Take investment losses -- Realized capital losses offset realized capital gains in taxable accounts, plus up to $3,000 of ordinary income a year. Taking losses can also lower adjusted gross income. But take care not to fall afoul of the “wash-sale” rules if you plan to buy back the losing asset. Use of the loss is postponed if a taxpayer acquires shares 30 days before or after selling losing shares of the same investment. The tax code counts shares bought within an IRA or through exercise of a stock option as purchases.

Harvest investment gains -- This year’s tax changes retain the zero rate on long-term capital gains for married joint filers with up to $72,500 of taxable income ($36,250 for single filers). Such income doesn’t include tax-free municipal-bond interest. This means that taxpayers in the bottom two brackets have the ability to “harvest” gains up to that amount, pay no

tax, repurchase the asset and reset their cost basis higher. The wash-sale rules don’t apply to gains, just losses. It could work like this: A married taxpayer has 1,000 shares worth $95 each that he bought for $70 three years ago. If he can keep his total taxable income below $72,500, including the gain, he could sell the shares, buy them back immediately and pay no tax. But his “cost basis”—the starting point for measuring future capital-gains tax—would now be $95 instead of $70 a share. T h a t could save future taxes if he needs to sell the stock before his death.

Make charitable contributions -- Donations to hundreds of thousands of qualified charities are tax-deductible if you have a letter in hand specifying the deductible amount before you file next year. T h i n k twice before writing a check, however. Often a better move is to give appreciated assets such as stock shares. Within certain broad limits, any capital gain isn’t taxable and the full value of the gift is deductible. Donors who are 70½ and older can use the so-called IRA charitable rollover for 2013. It allows account owners to contribute up to $100,000 of a required payout directly to qualified charities such as churches, schools or other groups. There is no tax deduction for such gifts, but neither is there income. That, in turn, helps lower AGI in a way that can reduce certain Medicare premiums or taxes on Social Security payments.

Maximize medical and miscellaneous deductions -- Both are subject to such high hurdles that taxpayers often have a hard time claiming them unless they strategize, say by bunching expenses from more than one year to claim them at once. Most taxpayers can deduct only unreimbursed medical expenses above 10% of their adjusted gross income, although for taxpayers age 65 and older (and their spouses) the hurdle is 7.5% of AGI, if they aren’t subject to the AMT. This exception applies through 2016.

However, the list of qualified expenses is long, including contact-lens solution, a wig after chemotherapy and acupuncture. For a full list, see IRS Publication 502.

Use an expiring tax break -- This is the last year to take advantage of more than a half-dozen popular breaks, unless Congress extends them next year. They include the IRA charitable rollover for people 70½ and older (see above); the state sales-tax deduction in lieu of a state income-tax deduction; the generous Section 179 expenses deduction available to small businesses claimed on individual returns; and the $4,000 tuition and fees deduction. Make annual gifts -- The federal estate-and-gift-tax lifetime exemption is now $5.25 million per individual, and it will rise to $5.34 million next year. But 19 states and the District of Columbia still have estate and inheritance taxes, many of them with exemptions far lower than Uncle Sam’s.

All, however, follow the federal practice of allowing givers to make tax-free transfers of up to $14,000 per recipient a year. For example, a married couple with two married children and five grandchildren could make 18 separate gifts of $14,000, for a total transfer of $252,000.

Givers can transfer assets such as stock, or even partial interests in assets like real estate or a business, instead of cash. In that case, the giver’s tax cost for the asset carries over to the recipient. Advisors often advise people who are making gifts of nontraded assets that require an appraisal, such as real estate or partnership shares, to make two gifts—one just before and one just after year-end. One appraisal can be used for two sets of gifts.

•••••

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America May Be #1 But Our Kids

Are Below Average

This past September, President Obama addressed the United Nation’s General Assembly and claimed that America was exceptional in its ability to stand up for the interests of all “American exceptionalism ” is not a new idea; its roots go all the way to the Revolutionary War when America became the first “new nation.” The United States has broken away from the class inequality of the old world and is a superior “country on a hill,” according to many.

Lately, however, a number of statistics surveys, and articles have shown that this might not be the case. The most recent is a global Organization for Economic Co-Operation and Development (OECD) ranking of students in math, science, and reading, released this recently.. The OECD tested over 510,000 students in 65 countries and found that the U.S. scored below average in all three subjects. U.S. scores have fallen since 2009 — from 25th to 31st in math and from 11th to 21st in reading.

The OECD also found that socioeconomic background significantly impacted results. “What seems to be happening in our education system, which is also what’s happening in our economy at large, is that the top is doing just fine and everybody else is getting hosed,” says the Expat World Messsenger.

Asia dominated the exams-- Chinese teens ranked number one across the board in math, reading and science. Also ranking far above the U.S. students were teens from Japan, Singapore, South Korea, and Hong Kong. This is pathetic. America needs to wake up and look in the mirror and say “this is where we are and it’s more than an education and math story. We’re competing on a global stage,”

The news isn’t all-dreary, according to Yahoo Finance editor-in-chief Aaron Task: “A lot of other countries are good at teaching their students how to take standardized tests. We do a better job, generally speaking, of teaching creative thinking and problem solving.”

But do you know what our kids do know? They know about the contributions of every gay American, they completely understand that it is unfair to label people as male or female, they can send text messages faster than anyone else, they are completely in touch with every Kardashian, they know what Justin Bieber had for lunch, they know how to vote for the next American Idol, they are experts in twerking, and they swear that Lance Armstrong was the first man on the Moon. It's no wonder the kids of America are so far behind.

Some blame the teachers, some blame the parents, some blame the students, or say that the system in general is failing. I blame them all. you can't have a system of education that binds the teacher hands, But you need teachers that make the student want to learn. And students that disrupt the class room, because they know nothing will happen to them and leave teacher helpless with out rate parents screaming at them, is just wrong. If we don't get our heads on straight with this education system we all fail in America. and America becomes a prison state. More drop outs means more and more prisons. No one is asking

teachers to raise there kids, just educate them. Our state prisons are no more the a GED factories..

I have a degree in mathematics and have been taking classes on education in order to become a certified teacher all while teaching high school mathematics. Here is my take on why our students are failing in the area of mathematics. First, all of these teaching strategies that are being forced on teachers are a complete waste of time. We are allowing psychology people and others with no mathematical nor science backgrounds to tell us how to teach mathematics, because it works for teaching social studies. What it does is keep students entertained while they learn nothing. Secondly, we start early on in education teaching students to use a calculator over teaching how to do the math. Students cannot do simple arithmetic and then when they are in high school, we teach them to use a graphing calculator instead of how to work the problems. I tell my students "the calculator knows how to do the problem, you don't". Lastly, most of the teachers who are teaching elementary children and some in middle/junior high cannot do the math either. I worked at a university for 5 years and saw the students graduating with liberal arts degrees. Their required math was math as a liberal art which I refer to as calculator identification. These same graduates are getting degrees in education and teaching our children the basics of mathematics. Many of these teachers (not math fields) are trying to teach basic math, like fractions, and they can't do the math either. There is no requirement for an elementary school teacher to understand math to teach math. Now, we have students coming into middle school and high school who are not prepared because their teachers couldn't prepare them.

There are many other issues, but I will send another Letter to America at a later date. The OECD also found that socioeconomic background significantly impacted results. Dr. Mat Matica

EXPAT WORLD'S ELECTRONIC WORLD

Tricks to Create Strong Passwords You Won’t Forget -- A Simple Step to Keep hackers From Snooping on You

It takes a lot of work for hackers to break through your passwords to get your online accounts - or at least it does if you have a strong password in place. But then again yjey can gather the information they want from your Internet connection. Yes, it's true; hackers can snag information as it travels between your computer and the websites you visit. This is one of the big dangers of using public Wi-Fi. To stop snooping hackers, you need to encrypt your Internet connection to sensitive sites. This means hackers won't be able to read your information.

But let's not make it easy for them. Here are a few tricks to remembering and keeping a good password which is hard to crack:

Some internet gurus say that you should change your passwords every month to keep people out. That seems a little extreme, doesn't it? How often should you really change the passwords to your accounts? Does EW have any tips on how to create new strong passwords that you won't forget?

It is important to change your password. Hackers and scammers cook up new ways to break into your account every

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day. You need to stay ahead of them. However, changing your passwords every month seems excessive. It's hard to remember a password that changes that often. I think changing it two or three times a year, or if you suspect it's been broken, is a good balance of security and convenience.

As for creating strong passwords, I have a little trick that is safe and easy to use. Plus, the passwords are easy to remember.

When most people want a memorable password, they make it too simple. The most common passwords are 123abc, 12345, password, a pet's name or your last name. Some people use a single word like "monkey," "Jesus" or "baseball." Passwords like these make a hacker's job easy. Hackers have programs that can try hundreds of thousands of common passwords and dictionary word combinations in less than a second. Hackers love it when you make short passwords, too. The longer a password is, the harder it is to crack. You want your password to be at least eight characters, if not more.

Tricks to create strong passwords you won’t forget

First set up consistent symbol replacement and capitalization rules for all your passwords helps keep things from becoming too complex. I say characters because a good password should have numbers and symbols in addition to letters. That increases the possible character combinations a hacker has to try. More characters plus more possibilities per character equals a harder to crack password.

The strongest password would actually be a string of random characters. Unfortunately, something like "Tl|_|,BwwB2R" isn't easy to remember. Or is it? Let me show you how I came up with it.

Start by thinking up a random sentence. You can use a catch phrase, quote or even a song lyric. I chose a lyric from one of my favorite songs: "Tramps like us, baby we were born to run."

I took the first character from each word to get "tlu,bwwbtr". Not bad, but it could be better. So, I added some symbols in place of similar letters. U becomes |_|, the "to" from the original lyric becomes 2. Then, I capitalized a few of the letters to make a strong password that I can easily remember: "Tl|_|,BwwB2R"

However, hackers sometimes hack companies to steal thousands of passwords at once. Your information could be stolen in a phishing scam, too. In these situations, it doesn't really matter how strong your password is. Once a hacker has these, they might try to find your other accounts. That's why I always recommend a unique password for every account. That doesn't mean you have to think up a new phrase, though. You can tweak the same password for multiple accounts. For Facebook, you could make it "Tl_$,BwwB2RFB." Amazon can be "AmzTl_|$,BwwB2R."

A strong password is your first line of defense against hackers and scams. Here are three more resources that can help you fight them off. Google them for the exact url's.

• One wrong click in an email or a website could end in a nasty virus. Protect your computer with free security software.

• You need a strong security question to back up your hard-to-crack password. Beef up your accounts security question.

A stolen laptop could give a thief access to your private accounts. Track down your stolen laptop with this free program.

EXPAT WORLD’S HEALTHY WORLD

Today readers, we are into a “cure” your doctor won’t tell you about even if he knew.ASPARAGUS – Gr asparagos. 1.any of a genus (Asparagus) of plants of the lily family with small , scalelike leaves, many flat for needlelike branches, and whitish flowers, including several plants (Asparagus ferns)having fleshy roots and fine fernlike leaves. 2 the tender shoots of one of theses plants (a officinalis), used as a vegetables.

A LETTER DETAILING THE MEDICINAL USE OF ASPARAGUS

Several years ago I met a man seeking asparagus for a friend who had cancer. He gave me a copy of an article, entitled “Asparagus For Cancer” printed in the Cancer News Journal, December 1979. I will share it here, just as it was shared with me: I am a biochemist, and have specialized in the relation of diet to health for over 50 years. Several years ago, I learned of the discovery of Richard R. Vensal, D.D.S. that asparagus might cure cancer. Since then, I have worked with him on his project. We have accumulated a number of favorable case histories. Here are a few examples:

• Case No. 1, A man with an almost hopeless case of Hodgkin’s disease (cancer of the lymph glands) who was completely incapacitated. Within 1 year of starting the asparagus therapy, his doctors were unable to detect any signs of cancer, and he was back on a schedule of strenuous exercise.

• Case No. 2, A successful businessman, 68 years old, suffered from cancer of the bladder for 16 years. After years of medical treatments, including radiation without improvement, he began taking asparagus. Within 3 months, examinations revealed that his bladder tumor had disappeared and that his kidneys were normal.

• Case No. 3, On March 5th 1971, a man who had lung cancer was put on the operating table where they found lung cancer so widely spread that it was inoperable. The surgeon sewed him up and declared his case hopeless. On April 5th he heard about the Asparagus therapy and immediately started taking it. By August, x-ray pictures revealed that all signs of the cancer had disappeared. He is now back at his regular business routine.

• Case No. 4, A woman had been troubled for a number of years with skin cancer. She developed different skin cancers which were diagnosed by the acting specialist as advanced. Within 3 months after beginning asparagus therapy, the skin specialist said her skin looked fine with no more skin lesions. This woman reported that the asparagus therapy also cured her kidney disease, which had started in 1949. She had over 10 operations for kidney stones, and was receiving government disability payments for an inoperable, terminal, kidney condition. She attributes the cure of this kidney trouble entirely to the asparagus treatment.

I was not surprised at this result as `The elements of ‘materia medica’, edited in 1854 by a Professor at the University of Pennsylvania, stated that asparagus was used as a popular remedy for kidney stones. He even referred to experiments, in 1739, on the power of asparagus in dissolving stones. Note the dates!

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We would have other case histories but the medical establishment has interfered with our obtaining some of the records. I am therefore appealing to readers to spread this good news andhelp us to gather a large number of case histories that will overwhelm the medical skeptics about this unbelievably simple and natural remedy.

THE TREATMENT

The asparagus should be cooked before using. Fresh or canned asparagus can be used. I have corresponded with the two leading canners of asparagus, Giant and Stokely, and I am satisfied that these brands contain no pesticides or preservatives. Place the cooked asparagus in a blender and liquefy to make a puree. Store in the refrigerator. Give the patient 4 full tablespoons twice daily, morning and evening. Patients usually show some improvement in 2-4 weeks. It can be diluted with water and used as a cold or hot drink. This suggested dosage is based on present experience, but certainly larger amounts can do no harm and may be needed in some cases.

As a biochemist I am convinced of the old saying that `what cures can prevent.’Based on this theory, my wife and I have been using asparagus puree as a beverage with our meals. We take 2 tablespoons diluted in water to suit our taste with breakfast and with dinner. I take mine hot and my wife

prefers hers cold. For years we have made it a practice to have blood surveys taken as part of our regular checkups. The last blood survey, taken by a medical doctor who specializes in the nutritional approach to health, showed substantial improvements in all categories over the last one, and we can attribute these improvements to nothing but the asparagus drink.

As a biochemist, I have made an extensive study of all aspects of cancer, and all of the proposed cures. As a result, I am convinced that asparagus fits in better with the latest theories about cancer.

Asparagus contains a good supply of protein called histones, which are believed to be active in controlling cell growth. For that reason, I believe asparagus can be said to contain a substance that I call cell growth normalizer. That accounts for its action on cancer and in acting as a general body tonic. In any event, regardless of theory, asparagus used as we suggest, is a harmless substance. The FDA cannot prevent you from using it and it may do you much good. It has been reported by the US National Cancer Institute, that asparagus is the highest tested food containing glutathione, which is considered one of the body’s most potent anticarcinogens and antioxidants.

Just a side note... In case you are wondering why this has not been made public,simple! BIG PHARMA can’t make a profit with it for it’s naturally occurring. They rather make millions with their poisons in the form of chemotherapy.

The legal marijuana economy isn’t a pipe dream any longer.. It’s reality. More than $1.43 billion worth of legal pot will be sold in 2013, and is estimated to increase by 64 percent next year to a mammoth $2.34 billion, according to new research looking at the ever-expanding legal U.S. cannabis market, including analysis of hundreds of medical marijuana dispensaries nationwide.

That gigantic estimated increase in 2014 is, of course, due in part to Colorado and Washington's legalization of marijuana sales for adult recreational use. Colorado has also developed packaged marijuana and marijuana products to sell in select stores this January, driving industrialization into the business.

“The impact of this is huge. Plus, the latest Gallup poll shows 58 percent of Americans as supportive of full legalization of marijuana, a 10 point increase from a year ago.”

Considering California Lt. Gov. Gavin Newsom and the American Civil Liberties Union announced last month that they are convening a panel of 16 experts, chaired by Newsom, focused on two years of research towards proposals to legalize adult recreational marijuana use in the state, the possibility of a 2016 California voter ballot initiative is high, and could likely pass.

The monetary sway of widespread legalization in California, especially, is enormous, given the state’s dominance when it comes to legal medical pot, enacted in 1996. "The California market in 2013, even limited as it is to medical marijuana, is valued at $980 million, and is the largest medical marijuana state in the country. When legal adult use is allowed, that number will grow. We do think it will be legalized in 2016.”

Berg says 14 states, including California, are forecast to adopt adult marijuana use legislation over the next five years, in addition to two additional states implementing medical marijuana. That grows the legal U.S. marijuana market to $10.2 billion in 2018.

Imagine $10.2 billion—$10.2 BILLION—coming in from legalized marijuana sales. The number is downright impressive. It’s an increasing market hard to ignore at the state level where they need and want this revenue,” says Allen St. Pierre, executive director of the nonprofit public advocacy group National Organization for the Reform of Marijuana Laws, founded in 1970.

It’s time to take marijuana sales out of the underground market and in the counters of legitimate businesses, rather than propping up the illegal drug cartel, we could make hundreds of millions of dollars for our communities. Taxing marijuana sales will not solve our budget problems entirely, but it will grow revenue for important services, such as education.”

St. Pierre, who says NORM (National Organization to Reform Marijuana Laws) plans to release its own hard data based on sales taxes in Colorado and Washington in the coming months, calls 2016 a “pot plebiscite year,” a time of major change.

For reformers, California really should have been the first state to legalize marijuana, to move the country away from federal prohibition, ”he says, noting 2016’s presidential election year status. “For the first time in most of our lifetimes, we’ll likely see a presidential candidate, regardless of political affiliation, advocating for substantive reform.”

Is it high time for the federal government to legalize marijuana? That's what pot activists are asking a day after Colorado voters approved a historic ballot measure to tax legal marijuana sales, and Portland, Me., became the first East Coast city to vote to legalize marijuana for adults.

In Colorado, about 65 percent of voters approved Proposition AA, establishing a 15 percent tax on the wholesale sale of marijuana for adult use, and a 10 percent sales tax on retail marijuana sales, in addition to standard state and local sales taxes. The Colorado Legislative Council estimates that

IT'S “HIGH” TIMES IN AMERICA

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the initiative will generate $70 million in annual tax revenue, some of which will be used to fund the state's public school construction program.

"We are grateful voters approved funding that will allow for a strong regulatory environment, just like liquor is regulated," Colorado Gov. John Hickenlooper said in a statement. "We will do everything in our power to make sure kids don't smoke pot and that we don't have people driving who are high.

In Michigan, three cities — including Lansing — voted to decriminalize the use or possession of up to an ounce of marijuana on private property by anyone 21 years or older.

The Election Day pro-pot victories come on the heels of

a national poll that found, for the first time ever, a majority of Americans favor legalizing marijuana for recreational use.

According to a Gallup Survey 58 percent of Americans favor legalization, up 10 percent in the last year.

Deputy Attorney General James Cole said that the federal government would not attempt to interfere with efforts, like the ones in Washington and Colorado, to implement marijuana legalization laws passed by state voters.

The statement, coupled with recent votes, seems to have emboldened the legalization movement.

"It's time to move beyond prohibition and adopt a more sensible approach," David Boyer, Maine political director for the Marijuana Policy Project, said.

THE 1984 RETIREMENT INDEX as determined by International Living

Real Special Cost of Ease of Ent. & Ret. COUNTRY Estate Benefits Living Intergration Amen.Health Infra. ClimateTotalPanama 91 100 88 95 95 91 81 88 91.2

Ecuador 94 99 89 92 88 88 79 100 91.2

Malaysia 93 80 88 92 94 95 85 81 88.5

Costa Rica 88 87 87 92 94 94 75 77 86.8

Spain 91 62 82 87 96 91 93 85 85.8

Colombia 88 80 87 79 82 90 83 86 84.2

Mexico 88 75 87 92 81 93 74 84 84.2

Malta 85 84 83 100 68 88 77 88 84.1

Uruguay 79 76 64 87 94 96 82 92 83.7

Thailand 83 62 88 89 96 90 70 81 83.5

Ireland 85 76 72 97 98 89 85 61 83.0

New Zealand 71 77 77 92 88 86 86 87 83.0

Nicaragua 94 68 92 92 77 87 69 83 82.6

Italy 73 80 70 79 98 89 89 83 82.5

Portugal 85 73 85 73 70 93 95 85 82.4

France 72 84 57 70 100 97 87 85 81.5

Philippines 79 62 99 89 79 88 82 69 80.8

Honduras 78 87 86 89 64 88 67 78 79.6

Guatemala 88 62 100 57 83 86 72 81 78.8

Brazil 80 74 71 68 76 90 75 85 77.3

Chile 83 73 71 65 88 89 83 63 77.1

Belize 82 79 85 87 57 84 67 70 76.4

Dominican Rep. 85 68 72 70 74 82 75 80 74.4

Cambodia 71 57 100 70 86 63 58 80 73.2

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How IL's Annual Retirement Index Works

Congratulations again International Living for another great job in compiling the Retirement Index.

No one does it better! Each year the International Living team of editors,

correspondents and in-country experts grows larger. And as it does so, so too does the mountain of information that goes into formulating theirAnnual Retirement Index. It takes them months months to analyze all of the data they receive. To get a reliable assessment of the things expats are seeking in a retirement location they must filter everything across eight crucial categories: real estate, special retirement benefits, cost of living, ease of integration, entertainment and amenities, health care, retirement infrastructure and climate.

This is mainly a qualitative assessment exploring what matters most to you when you consider an overseas retirement spot. Sure, we look at lots of hard numbers like Internet penetration, average humidity and rainfall...the percentage discount you receive as a retiree in restaurants... And in terms of costs we’re comprehensive, looking at everything from the price of utilities, groceries, cable TV and a maid to real estate and rentals.

But we also interview expats to get the “ground truth.” What are the roads like? What is there to do? Is a car necessary? When you buy property does it represent good value? How good is the local health care, and not just in the country’s capital? How easy is it to stay in touch with the folks back home? Is it easy to make friends?

There’s something else, too. Some countries are vast, like Brazil, others are tiny like Malta...so how do we accurately compare them all? Well, we look closely at the destinations within each country that make sense for retirees...sometimes they are places that have long been attracting expats, with thousands of like-minded folk already there...other times, they’re newly discovered spots...

In some countries there might not be a whole lot of places for expats/retirees.. Take newcomer to the Index, Guatemala for example, where outside of colonial Antigua, the villages around Lake Atitlan and a couple of other places there aren’t any options we recommend. Then look to this year’s winner Panama where you’ll find dozens of places worth considering and a wide variety of choice, too...from beach destinations to modern city living. Bottom line, we work hard to ensure the data we use accurately reflects the real story on the ground in the specific spots we recommend.

The results in this table tell the story. EW recommends International Living newsletter to one and all if you have any interest in visiting, living, working or retiring abroad.

LITTLE KNOWN INTERNATIONAL

INVESTMENT SECRETSMaking Money with the

“Carry Trade”More than a decade ago Ia good friend of Expat World.

Grampa wrote a book called ‘Portable Trades and Occupations.’ This book was about how to roam the world, living high, doing as you please, making deal after deal, and raking in tax-free money as you sleep. By making entrepreneurial deals, you might earn in a very short timer what others make in a lifetime.

The PTO idea was you can never get seriously rich by working at any kind of job. Now, a decade later, best sellers like ‘The Four Hour Workweek’ have adapted and popularized similar concepts. Gramps recently finished a new version of PTO I call ‘PTOO 20-20 or, Portable Trades and Offshore Opportunities.' he also wrote a new report about a place where you could live, in Switzerland where there are no taxes. It is called the enclave of Campione D’ Italia. For me, it is a better choice than Monaco.

Gramps reports that he is so busy making more money than he can spend, and enjoying life these days that it took a long time before PTOO 20-20 and CAMPIONE CONFIDENTIAL were finally ready in all new download editions.

He also reports enjoying spending many pleasant hours attending to the needs of a very few personal consulting clients. He helps them enjoy life more and make lots of money without working.

Unlike employers whose fanny you must regularly kiss, my clients are all generous, interesting, and above all challenging intellectually. Gramps Clients are fun to be with or as he says he would not have taken them on. Presently he has only three current long-term clients and wouldn’t want more than one other. He constantly tells EW that if his consulting clients turn out to be less than pleasant and not doing a clean business, He just says “Bye Bye.”

If you want to be an international consultant, I explain how it’s done in PTOO.

You can also get my report on How to Be a Consultant, on Amazon Kindle very cheap, or as a chapter within the PTOO 20-20 book. If you want to purchase PTOO or CAMPIONE CONFIDENTIAL contact expatworld@pobox.com for ordering details.

NOW FOR A SAMPLE CHAPTER FROM PTOO ABOUT THE CARRY TRADE

A passive, no work investment that for anyone with say $100,000 in capital, can earn up to 100% a year with almost no risk. Too good to be true? It sounded that way to me when I first learned about it.

The Carry Trade was one of my passive investment ideas. It attracted a good deal of interest. The “Carry Trade” is sometimes called the “Foreign Currency Sandwich.”

It is not to be confused with “arbitrage” which is buying and selling the same thing simultaneously in two different markets for an immediate, risk free profit.

Here is how the carry trade works…In a nutshell, the secret is to simply search the markets to

find countries where interest rates are the highest and the lowest. You don’t even have to search yourself. Why? Because certain banks have “Carry Trade” departments where Wharton and other top MBAs will do this for you… every day. The concept is to borrow say four times [or whatever is agreed upon] your capital at a low rate of interest. You borrow in dollars [or Yen] at say 1%, and to lend it out at a much higher rate of interest, say 11% in “Scandinavialand” Kroner. There is no such country as “Scandinavialand,” this is a made up name for illustration only. If all things stay equal (which they never do of course) your deal looks like this:You start with $100,000, you borrow $400,000

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from your carry trade bank for an open end term at 1% interest.You buy $500,000 worth of Scandinavialand” Government

Bonds due in one year yielding 11%In one year you sell the bonds for $555,000. You pay off

your bank loan with $404,000.You are $51,000+ ahead which is a 51% gain. Not so bad?

Then you do it all over again. You can play the carry trade game with high risk or very low risk. It is your choice. There is no investment that is absolutely “no risk.”

Anyone, regardless of credit history, can borrow money (roughly four, sometimes five times their capital) from an offshore carry trade bank we know of, at very low interest rates. Your loan is secured by the high interest bonds (or other security you buy) and the loan will be open ended, i.e. no scheduled repayment date. Even Americans can do this entirely legally, and of course, the Americans must pay income tax on profits. The carry trade is tax neutral.

As you saw from the above example, you invest your own capital ($100,000) and some borrowed money ($400,000) at 1% for a high return elsewhere. That’s the concept.

What could go wrong, i.e. what’s the risk?The biggest risk is currency fluctuations going against

you. In our example let’s [for easy math] assume that:One unit of “Scandinavialand” currency is exactly equal

to 1 US dollar at the start of the year. Now assume the dollar goes up in value to 2 Kroner. What happens? Your investment in “Scandinavialand” Kroner bonds is reduced in value and you have lost half your capital. On the other hand, if inflation hits the dollar, and its value goes down against the kroner by 50% you could -- just as easily-- double your capital. Plus, the interest received in Kroner, would also have a double value. Thus in the first example, at the end of the year you could have a 208% gain instead of 54%.

Solution to Currency Risk? Your bankers, being expert in risk management, can buy and sell currency puts and calls so that the currency fluctuation risk is eliminated without losing the upside potential.

Can you really do it? The “Carry Trade” is one of those opportunities you don’t hear much about - unless you read Barron's or the Wall Street Journal. Some might even say it sounds like a scam. But it is no scam. It works very well most of the time. You will find rock-solid European banks routinely making ”Carry Trade” deals for clients just like you. They are not allowed to advertise these deals though.

Default –the Second Biggest RiskIf “Scandinavialand” simply doesn’t pay off its bonds

when they come due, this default will inevitably reduce the value of the bonds. The value won’t drop to zero, because “Scandinavialand” still owes the money. But defaulted bonds could easily lose 50% or more of their value. In such cases, the investor would also lose 50% of his capital and at least temporarily, all of his interest.

SOLUTION AGAINST DEFAULT IS CREDIT RISK INSURANCE -- Fortunately, the bank you deal with can also get insurance against defaults. This insurance is called a “credit default swap.” Your profit is reduced only slightly by paying for this contract.

The Remaining Risk - Counterparty default

-- Your own bank or the outfit issuing the credit default swap (insurance against loss) could go under just like Leman Brothers. Just be aware that the outfit that insured your risk could default or go out of business. There is also insurance on your insurance against this event, but it happens so seldom we wouldn’t bother.

If I were reading this for the first time, I might say “It sounds too complicated and I don’t know what I am doing nor where to start.”

Our answer! You don’t have to know anything. You don’t have to do anything except decide how much of your own money you want to use or risk to dip your toe into this kind of deal. We would suggest you start with a small % of your capital. Bank X (yes I am keeping the name a secret for now and you’ll see why later) has branches throughout the offshore world. They will lend you (as a client we introduce) very serious money. How much? Roughly 4X the assets you place in their control. But the exact amounts will be determined by the deal.

Several European private banks also offer managed accounts they call “Currency Sandwiches.” This kind of deal is legal, even for USA citizens who by law are required to file certain reports and pay an income or capital gains tax on profits. We know one well known big bank that specializes in serving Americans. They will file all the necessary reporting and tax papers for you and even withhold and pay the correct amount of taxes. We won’t say these deals are only available to “insiders,” but they are certainly neither advertised nor available to people who wander in off the street – or via the Internet. Any nationality is acceptable and the bankers can handle any language.

From the bank’s point of view, they can legally serve only “sophisticated investors” who are “properly introduced.” That’s the reason we cannot just publish a list of banks here. If we did, these high level private bankers would be flooded with e-mails and calls from “Lookie Looueys” and assorted ignoramuses incapable of understanding this fairly sophisticated deal.

Also, the bank needs to “know their customer.” Thus, we would need to know you before we could make the referral...

If you are already a BBBB purchaser/member “we know you.” If you would like to ask any questions or get an introduction specific to a geographically and legally suitable banker, Grandpa will be happy to serve you by private e-mail. Tell me about yourself: who you are, what your financial goals are, and approximately how much you might want to invest. ???

As we get no commissions on this deal, we can be 100% objective, but of course we need to charge a small consulting fee to weed out the curious and those not serious. However, there is no fee for those who bought the hard copy 3 volume book: Bye Bye Big Brother.

This service is free to BBBB book buyers from Gramps or Expat World and also Gramps consulting clients. How much money do you need to start a carry trade account?

Minimum $100,000 US dollars value in any currency. You set up “offshore” and dealing within a couple of weeks.

LEGAL DISCLAIMER: DO NOT MAKE ANY MOVES WITHOUT CONSULTING YOUR OWN COMPETENT AND TRUSTED, LEGAL COUNSEL. PLEASE CHECK OUT EVERYTHING YOU READ HERE AND NEVER DO ANYTHING WITHOUT a second or third opinion. BE SURE IT IS LEGAL in your jurisdiction. We specifically advise you NOT to break any laws that may be applicable to you.

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LET EXPAT WORLD INTRODUCE YOU TO THE EXPAT ARTIST

There once was a man who was married to an artist. He himself had not an artistic bone in his body, couldn't draw the proverbial straight line with a ruler, his wife would tell him. He as the ugly duckling that turned into the beautiful swan rose from taking a watercolor course of 4 weeks to a renown artist with paintings hanging in homes, office and on display the world over.

ABOUT THE EXPAT ARTIST -- An expatriate of some 33 years. Born in the hills of Western Pennsylvania, He has lived most of his adult life overseas in a variety of places. His experiences in sights and sounds has colored his image of the world seen through brightly colored glasses.

The Expat Artist calls himself a “colorist” and when he puts brush to surface in both watercolors and oil paintings he hopes to add some color into the life of each viewer. Hopefully too, it adds some color to the viewers black and white perception of the world.

Having a home in Hawaii as his USA base, he hopes to spend some of his future retirement time creating OUTRAGEOUS works of art from the beaches of Hawaii. He already is established in the bohemian artist colony in Waikiki as well as the artist scene in his present home in Singapore and Phuket. Most recently he had a successful show at the renown Chateau d’Arts gallery in Singapore.

THE PAINTINGS -- You see above are a few examples of his works. To see over 100 of his paintings go to his website at www.expatartist.com. There you will find the specifics: name of

painting, size, medium, price are include with each piece. All are framed quite handsomely by Parklane Art Framer, Singapore. Prices are in US dollars and does not include shipping costs. We can ship anywhere in the world. As a special deal to Expat World readers if you decide you'd love one of his painting hanging somewhere special in your life, he will give a 33 percent discount off the prices you see on his website (www.expatartist.com). For this deal email: expatworldofficeemail@yahoo.com.

Please remember when viewing the paintings that the true colors, depth perception and details are somewhat lost in transferring the paintings to digital images. At best what you see is just a rough idea of the true nature of the work.

Feel free to browse through the images on www.expatartist.com. Just click on pages 2 through 5 for the thumbnail images of many of Gene's works. Click on the thumbnail for an enlarged image. Contact us if there is anything you fancy by emailing: expatworldofficeemail@yahoo.com and we will be more than happy to accommodate.

WE SHIP WORLDWIDE -- Questions, Comments, Observations or request to purchase, EMAIL: expatworldofficeemail@yahoo.com

www.expatworld.net Page 15 December 2013

READER WARNING – While Expat World has endeavored to ensure, to its satisfaction, the legitimacy and accuracy of the adver-tisements included in the Expat World Newsletter and it’s other publications at the time of publication, it cannot accept liability for loss or damage that any of it’s readers may directly or indirectly suffer or incur as a result of relying on such advertisements or in any dealings with any party placing such advertisments.

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PITCAIRN ISLAND -- On land nature reserves are a diem a dozen. About one-sixth of the earth's land surface is protected in one way or another. Reserves at sea are much scarcer, cover at most 3 percent. But now we have a proposal to designate the Ex-clusive Economic Zone around the Pitcairn Islands in the South Pacific as a marine protected area (MPA) and will increase the balance.

The British dependency of Pitcairn with a population of 65 is home to the descendants of the Bounty mutineers. The idea of a reserve is promoted by the American based Pew Charitable Trusts, is to ban fishing in 320,000 sq. miles of sea around Pit-cairn. The cost to Pitcairn's economy will be trivial by the loss of $30,000 in license fees for tuna fees forgone each year. In return the world's smallest democracy would enjoy the kudos of hav-ing the world's largest MPA, but also hopes to draw tourists like Australia that brings in about $4 billion each year to it's Great Barrier Reef.

So it with high hopes that the British government will endorse the plan. Pitcairn now receives yearly subsidies Equivalent to $81,000 per inhabitant. The plan is broadly welcomed by the is-landers says Simon Young, Pitcairn's deputy mayor. The Pitcairn Islands could hardly be more remote. New Zealand 3000 miles to the west and Ecuador 3600 miles to the east are it's nearest neighbors.

FRANCE -- France To Ban Prostitution? The lower house of the French parliament, the National Assembly, approved a bill on on Dec5th that would impose a €1,500 (US$2,050) fine on those caught paying for sexual services. The bill is expected to go before the upper house for consideration in early 2014. Law-makers voted 268 in favor and 138 against on a bill that would introduce some of the most restrictive legislation on prostitution in Europe, a radical departure from France’s traditionally toler-ant attitude. Those seeking to pay for sex will now face a €1,500 (US$2,050) fine, while the act of soliciting itself will no longer be punished.mProponents of the reform point to a rise in human trafficking as a key reason for more restrictive legislation. Some 90% of France’s estimated 20,000 to 40,000 prostitutes are vic-tims of Nigerian, Chinese, and Romanian trafficking networks, the government says.Those figures represent a dramatic jump from just more than a decade ago, when only one in five pros-titutes was foreign. Critics, including some prominent French celebrities, say stricter legislation will simply push prostitution further underground and make the women more vulnerable to abuse. Present legislation in France lies somewhere between the laws of the Netherlands and Germany--where registered sex-workers pay taxes and receive health benefits--and Sweden, where the law targets clients.

ANTIGUA and BARBUDA -- Passports for sell. Expat World is presenting this article to you so you can appreciate what good deals we showed you around the world in our cover story this month. In our opinion, this 2nd citizenship/passport is so over-blown in price that it won't appeal to many excepting the super rich that have more money than brains.

So what is a country to do when they have exhausted all via-ble options to stimulate their economy and create jobs? Sever-al countries throughout Latin America and the Caribbean have been faced with this very dilemma. While most of these coun-tries’ economies are driven predominately by tourism, their lead-

ers recognize the need to diversify in order to grow...the need to get creative in how they will bring money into the country.

Over its head in debt and running out of options to raise money, the government of Antigua and Barbuda has officially launched its “Citizenship by Investment” program. In a nutshell, this pro-gram allows foreigners to obtain Antiguan citizenship by invest-ing US$400,000 in Antiguan real estate or US$1.5 million in a local business. Alternatively, foreigners can qualify for citizen-ship by simply donating US$250,000 to the government.

Antigua and Barbuda, whose investment for citizenship program is very similar to that of their neighbors St. Kitts and Nevis, hope to generate US$550 million over the next three years by attract-ing 1,800 new citizens. In addition to bringing in more revenue, Antigua and Barbuda hopes to create more local jobs as well.

Investors who decide to take advantage of the program may ap-ply with dependents and family members over the age of 65.

From an investor’s perspective this program creates new op-portunity for asset protection and global diversification. But the benefits of having an alternative citizenship and passport extend beyond this.

In the wake of FATCA, the innocuously named Consumer Finan-cial Protection Bureau (CFPB), and other tightened government controls, the needs to seek supplemental investment options and gain an additional citizenship have never been greater. Antigua is an opportune place to safeguard what is yours and generate income at the same time. They are positioning themselves as a haven for foreign investment and business opportunities.

A second passport, depending on where you’re from, can also offer you safer travel, easier travel, and less costly travel—pro-viding you the opportunity to avoid pesky reciprocity fees im-posed on Americans upon entrance into many countries now.

In addition to the investment requirements, the main applicant will be responsible for the government processing fees, which will total about US$60,000, in addition to due diligence fees and background checks for each applicant. Additional fees will ap-ply for each additional dependent. After that, new citizens are only required to spend at least 35 days on the island over a five-year span of the initial passport.

THE WORLD – Have you ever had an amazing vacation in a foreign country only to come home to a US$500 cell phone bill? You only checked a few emails, used Google Maps, and upload-ed pictures to Facebook to make your friends jealous, so how could it cost that much?

I've long figured out how to avoid these outrageous roaming fees by buying a local prepaid SIM card in the country I am visiting. Now there is even a better way, so much more convenient.

Beginning on Oct. 20Th, 2013. the U.S. cellular company T-Mo-bile is changing the game in international travel by getting rid of international roaming fees.That's right, U.S. T-Mobile users will now be able to roam the world with their current cell phone and number at no extra cost. We hope it's a start of trend for all the big rip-off cellular companies. But in the mean time support T-Mobile and save bunches of money.

The service will be available in countries including Panama, Colombia, Ecuador, Argentina, Brazil, [Continued Page 18]

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www.expatworld.net Page 18 December 2013

[from page 18] France, Italy, China, and 200 other countries. It allows unlimited data usage and texting, with phone calls at a rate of 20 cents per minute. The service automatically connects to the local service in the new country and requires nothing for the user to do.

T-Mobile's new plan is perfect for the frequent and infrequent traveler that wants to always be connected while they are away. Picture being able to hop from country to country in Europe, use all of your data, apps, maps, and email, and not be penalized for it. The savings and convenience are extraordinary.

T-Mobile is currently the only cell phone provider in the United States offering an international cell phone service like this. It's great they are the first to recognize that we live in a global world where people want to be connected no matter where they are. It will also be interesting to see whether the larger carriers like Verizon and AT&T eventually jump on board.

For more information on T-Mobile's new plan visit: http://ww-w.t-mobile.com/simple-choice-international-plans.html.

• • • • •FLAG SIX REPORT

DECEMBER 2013 by Intrepid Web Marketer

As the year closes, Edward Snowden offers his two minute Christmas address on the importance of privacy in the growth of the individual and thus society in general. It’s worth the 2 min-utes to listen in. Here is a youtube link that won’t play where I live in Germany (Hmmm, it did yesterday) but may play where you live: www.youtube.com/watch?v=hOlaPGSTSwo or THIS link -- if you live someplace where youtube doesn’t practice free speech: http://disinfo.com/2013/12/edward-snowdens-alterna-tive-christmas-message/ This version of the address comes with an annoying “analysis” by CNN but even they can’t kill the im-portance of the message which is played in two parts, so hang in for the second part.

OF UTMOST IMPORTANCE -- The ability to manage our in-formation flow, knowing the overarching surveillance of govern-ment, who’s looking for God knows what, has become critical for many of Expat World readers. Once again I humbly suggest Cryptohippie for both content and context anonymity. www.ex-patworld.net/vpn. Yes, it costs a few bucks but this is not some “free”-strength gimmick, it’s industrial strength. When you marry it for free to Thunderbird email handler and then marry it for free to the cryptogroup email system, in less than 10 minutes you can have REAL privacy again – especially if your friends will join, too. There is also a voice communications feature that is bulletproof.

There are certainly issues facing the Six Flag community about finding a way to tax the internet just as there are forces to derail Bit Coin and its ilk. I think these are non-issues for anyone with brains so I’ll not belabor them. I mean it’s not like we have a voice in what’s going to happen anyway.

I’ll make a naked pitch for Freeman’s Perspective – a monthly in-depth report, as in a small book, with daily/weekly issues of the day posts. www.expatworld.net/fmp Look, the author of much of the material is Paul Rosenberg who has always been

kind to Expat World. And Paul’s about as close to the “real thing” as you can get these days. He has a grasp of the working of the internet that is awesome but more than that he writes with the passion and precision of Ayn Rand in both novel and essay format. You can visit his books at www.AscoliBooks.com.

The other breaking story is the instant re-birth of Silk Road x 6 (at least) and a new Dread Pirate Roberts. I’m not going to com-ment on some of the uses of Silk Road for immoral purposes, let alone legal issues. The point of Silk Road-esque was about buying and selling as if there were no borders and that has to get a strong “Yes!” vote from any freedom loving person. But for a thinking person, there is a distinction between demanding a free market and then using it for immoral purposes. Just because something is unlawful doesn’t mean it’s immoral. As someone wrote as Silk Road was crashing, it’s not about someone using Silk Road for illegal purposes (they could have done the same thing using a telephone and no one would be in an uproar); it’s about market place freedom and Lord knows the line is long formed by all the governments that want to control everything they can. In many ways it was easier to deal with “the mob” of the ‘30s. For the most part, once they took the money, the deal was cast in cement, no pun intended.

Yes, the game is messed up. Win anyway!

Hold the Press! Just in! The official list of 12 prohibited Christ-mas items if you plan on plane travel over the holidays: http://www.forbiddenknowledgetv.com/videos/police-state/the-tsas-12-banned-items-of-christmas.html

www.expatworld.net Page 19 December 2013

CREATING JOBS IN AMERICA

Paste this url in your browser for an amazing fact: https://youtube.googleapis.com/v/4FrGxO2Fn_MThe Lone Ranger's Last RequestThe Lone Ranger was ambushed and captured by an enemy Indian War Party.The Indian Chief proclaims,"So, you are the great Lone Ranger"..."In honor of the Harvest Festival, YOU will be executed in three days.""Before I kill you, I grant you three requests" "What is your FIRST request?'The Lone Ranger responds, "I'd like to speak to my horse." The Chief nods and Silver is brought before the Lone Ranger who whispers in Silver's ear, and the horse gallops away. Later that evening, Silver returns with a beautiful blonde woman on his back. As the Indian Chief watches, the blonde enters the Lone Ranger's ten and spends the night.The next morning the Indian Chief admits he's impressed. "You have a very fine and loyal horse","But I will still kill you in two days.""What is your SECOND request?"The Lone Ranger again asks to speak to his horse. Silver is brought to him, and he again whispers in the horse's ear.As before, Silver takes off and disappears over the horizon.Later that evening, to the Chief's surprise, Silver again returns, this time with a voluptuous brunette, more attractive than the blonde. She enters the Lone Rangers tentand spends the night.The following morning the Indian Chiefis again impressed. "You are indeed a man of many talents,""But I will still kill you tomorrow." "What

is your LAST request?" The Lone Ranger responds, "I'd like to speak to my horse...alone."The Chief is curious, but he agrees, and Silver is brought to the Lone Ranger's tent. Once their alone, the Lone Ranger grabs Silver by both ears, looks him square in the eye and says, "Listen Very CarefullyFOR...THE...LAST...TIME..."BRING POSSE, NOT PUSSY!"

A DC AIRPORT TICKET AGENT

A DC 'airport ticket agent' offers some examples of why the US is inso much trouble!

1. I had a New Hampshire Congresswoman (Carol Shea-Porter) ask for an aisle seat so that her hair wouldn't get messed up by being near the window. (On an airplane!)

2. I got a call from a Kansas Congressman's (Moore) staffer (Howard Bauleke), who wanted to go to Cape Town . I started to explain the length of the flight and the passport information, and then he interrupted me with, ''I'm not trying to make you look stupid, but Cape Town is in Massachusetts ...''

Without trying to make him look stupid, I calmly explained, '' Cape Cod is in Massachusetts , Cape Town is in South Africa ...'' His response -- click.

3. A senior Vermont Congressman (Bernie Sanders) called, furious about a Florida package we did. I asked what was wrong with the vacation in Orlando . He said he was expecting an ocean-view room. I tried to explain that's not possible, since Orlando is in the middle of the state.

He replied, 'Don't lie to me! I looked on the map, and Florida is a very THIN state!!'' (OMG)

4. I got a call from a lawmaker's wife (Landra Reid) who asked, ''Is it possible to see England from Canada ?''

I said, ''No.''

She said, ''But they look so close on the map'' (OMG, again!)

5. An aide for a cabinet member (Janet Napolitano) once called and asked if he could rent a car in Dallas . I pulled up the reservation and noticed he had only a 1-hour layover in Dallas . When I asked him why he wanted to rent a car, he said, ''I heard Dallas was a big airport, and we will need a car to drive between gates to

save time.'' (Aghhhh)

6. An Illinois Congresswoman (Jan Schakowsky) called last week. She needed to know how it was possible that her flight from Detroit left at 8:30 a.m. and got to Chicago at 8:33 a.m. I explained that Michigan was an hour ahead of Illinois , but she couldn't understand the concept of time zones. Finally, I told her the plane went fast, and she bought that. (Must be blonde.)

7. A New York lawmaker, (Jerrold Nadler) called and asked, ''Do airlines put your physical description on your bag so they know whose luggage belongs to whom?'' I said, 'No, why do you ask?'

He replied, ''Well, when I checked in with the airline, they put a tag on my luggage that said (FAT), and I'm overweight. I think that's very rude!''

After putting him on hold for a minute, while I looked into it, (I was dying laughing), I came back and explained the city code for Fresno , Ca. is (FAT - Fresno Air Terminal), and the airline was just putting a destination tag on his luggage.

8. A Senator John Kerry aide (Lindsay Ross) called to inquire about a trip package to Hawaii . After going over all the cost info, she asked, ''Would it be cheaper to fly to California and then take the train to Hawaii ?''

9. I just got off the phone with a freshman Congressman, Bobby Bright from Ala. who asked, ''How do I know which plane to get on?''

I asked him what exactly he meant, to which he replied, ''I was told my flight number is 823, but none of these planes have numbers on them.''

10. Senator Dianne Feinstein called and said, ''I need to fly to Pepsi-Cola, Florida. Do I have to get on one of those little computer planes?''

asked if she meant fly to Pensacola and fly on a commuter plane. She said, ''Yeah, whatever, smarty!''

Now you know why the Government is in the shape it's in!

Could ANYONE be this DUMB?

*YES, THEY WALK AMONG US, ARE IN POLITICS, AND THEY CONTINUE TO BREED.

I don't write it, I just offer it for your consideration. Like manure, you just gotta spread it around.

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It’s strange but true. The more you watch TV news and read the mainstream press, the less you tend to know about important issues and events and the REAL story. This phenomena is even more pronounced if you’re concerned with the international scene. Fortunately at EXPAT WORLD, we have developed a newsletter that challenges the bias, inaccuracies and censorship of Big Brother, and Big Business directed and orchestrated media that masquerades as news.

Our research staff monitors 100’s of international TV and radio sources, the internet, magazines, newspapers, private journals, computer nets and inside sources each month to provide you information that will protect your assets along with your privacy, freedom and confidentiality on personal and business dealings on a truly international scale. We sift through the media morass, and more importantly, use our inside sources to publish EXPAT WORLD, “the newsletter of international living” in a cheeky monthly format.

We constantly reveal what “you ain’t spozed to know” - give you sources and know-how to maintain your privacy, keep those hard-earned bucks away from the tax man and other asset reducers. We introduce you to tricks to sidestep Big Brother governments and bureaucracies keeping them from making you just a source of assets for their coffers

- a human resource to be milked dry and brainwashed to follow the party line. We free you of those “for-your-own-good laws.” We show you more loopholes than a Philadelphia lawyer for living a life of true freedom. We arm you with the knowledge needed to pursue the goal of breaking the chains of bureaucrats and BIG BROTHER wherever you’re living.

In any one issue you may read about: tropical retirement havens on $800 per month, securing 2nd foreign passports by mail, secret bank accounts, starting an offshore tax-exempt business, loophole methods of asset protection, becoming a PT (Past Taxpayer), making money in the overseas arena, instant nobility through a nobility title purchase, inside information on little known travel destinations, banking passports for financial privacy, saving 1/2 or more on travel related services by becoming an instant travel agent, 100’s of loopholes or well kept secrets to beat the bureaucrats and enjoy a hassle-free, international lifestyle and so much more...anything that will keep you ahead of the pack.

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