Dear ,

Please accept with no obligation, implied or implicit, my best wishes for an environmentally conscious, socially responsible, generic, low stress, non addictive, gender neutral celebration of the winter solstice holiday practiced with the most enjoyable traditions of religious persuasion or secular practices of your choice with respect for the religious/secular persuasions and/or traditions of others, or their choice not to practice religious or secular traditions at all.

I also wish you a fiscally successful, personally fulfilling and medically uncomplicated recognition of the onset of the generally accepted calendar year 2012, but not without due respect for the calendar of choice of other cultures whose contributions to society have helped make our country great (not to imply that America is necessarily greater than any other country) and without regard to the race, creed, color, age, physical ability, religious faith or sexual preference of the wishee.

By accepting this greeting, you are accepting these terms: This greeting is subject to clarification or withdrawal. It is freely transferable with no alteration to the original greeting. It implies no promise by the wisher to actually implement any of the wishes for her/him or others and is void where prohibited by law, and is revocable at the sole discretion of the wisher. The wish is warranted to perform as expected within the usual application of good tidings for a period of one year or until the issuance of a new wish at the sole discretion of the wisher.

Best Regards (without prejudice) Name withheld (Privacy Act).

Just kidding - Best wishes,

Aaron A Day
Editor

You are invited to join us for The Truth and Lies radio show, hosted by R David Finzer, the president and CEO of the Capital Conservator Group, on www.overseasradio.com 1PM to 2PM New York Time Monday-Friday (beginning 2 January 2012). This informative 1 hour radio show is dedicated to revealing the truth and exposing the lies about:

• international living and expatriation,
• the pitfalls and rewards of the PT lifestyle,
• offshore companies, trusts, foundations and other structures, asset protection, and
• the implosion of the Western World and consequent collapse of the world financial system.

David does have a point of view. He is biased, opinionated and remorseless. He has lived in seven countries, survived multiple attacks by the US government, and for more than 25 years has built international asset protection structures, which to date have never been attacked nor pierced.

David describes himself as a "Christian Libertarian". He defines his philosophy in this way:

"The Judeo-Christian ethic and the societies which it has produced have provided the greatest amount of individual freedom and prosperity in the history of the modern world. A culture based on that ethic is essential for a truly free society. But, not everything that is a sin should be a crime! Despite the opinions or even the outrage of the majority, no action should be considered a crime unless there is a real victim of that action. Government should be limited to the protection of individual rights, not the arbiter of social disputes. Most especially, Government has no moral right to protect us from ourselves! In summary, the God who gave us life, gave us liberty as well, and preservation of that liberty should be the Government's highest goal".

Whether you love him or hate him, agree or disagree, are enlightened or outraged, you will not find David Finzer to be boring. He brings to Truth or Lies years of experience, the scope of which can be matched by few people.

Submit a question to be answered on "The Truth and Lies" radio show.

International Retirement Plans, Offshore 401k, IRA, 402(b) and 953(d) have become increasingly complicated because the major carries such as; Generali, Friends Provident, Royal Skandia, 360 , Hansard etc... call a 101% life wrapper a life insurance policy which is only true in the U.K. but these policies are being sold to other Nationals all over the world and can be considered a tax evasion threat (meaning they will not pass a audit by any tax authority) and they are super expensive i.e. over the first 5 years they spread a 9% charge of the net asset value. Allianz is much less than half that cost because they would charge 5% up front of the initial contribution. There is a huge difference if the clients investment grows it sustains a 9% of the current net asset value as compared to a 5% initial charge. So the first reason to not use them is because they are too expensive and for no reason that can be explained to the policy holder.

MORE IMPORTANTLY the growth of the investments in this policy should be declared in the persons annual income and be taxed. BECAUSE and this is the key issue; There are no expat workers in todays business world....everyone is localized to where they are working. And OECD, EEA country's all require residents to pay tax on their world wide income. So the second reason it would not be recommend is that they are criminal tax evasion for anyone who holds one and doesn't declare it!

Very soon our recommended Adviser we will be launching an E.U. compliant international retirement plan (accepts a minimum of $200 USD/equivalent a month) which means that this Regulated, Registered, Recognized International Retirement Plan allows the client to exclude from taxes his contribution and the growth in his account is all tax deferred. Regulated, Registered, Recognized International Retirement Plan suitable for any foreign worker in the E.U. (any means that they can not be holding the resident country passport.) Yes, this is also tax qualified for USA persons. This plan will also be registered, recognized in China which is a huge foreign worker market also.

Request an introduction to a Cross Borders Retirement Plan Consultant.

In these unclear times you should consider a few things before moving your capital to just one offshore location.

• Institutional Diversification: Many savvy investors have offshore accounts in more than one location. Just as you wouldn't want to have all of you money in one bank, even if you think it is stable (Lehman Brothers) it is smart to diversify your investments among a few financial institutions.
• Domicile Diversification: Change in government stability, regulations and policies can make it unattractive to have your investments there. This is why most investors move capital offshore in the first place! This is another reason many investors have brokerage accounts in different countries.
• Additional Products & Services: Each brokerage firm offers different products or has specialties. Having more than one investment account will get you access to a broader range of markets, products and services that can help you grow your wealth.
• Asset Protection: Client protection laws are different in each jurisdiction. In the event you are involved in a law suit, taking a multi-jurisdictional approach will make it more challenging and expensive to seize your capital.
• Time Zone: The difference in time zones can often make simple things a challenge.
• Language Barriers: When dealing with someone whose first language is not your own, sometimes things can get "lost in translation." When you are dealing with complex financial orders it is important to get things exactly right.

Don't sit back and watch things happen to you. Get the solutions you need to in these uncertain times! One solution for diversifying your capital is an offshore investment adviser. We can introduce you to a fully integrated financial services company located in the Cayman Islands. They provide private asset management, ability to trade 80+ markets, precious metal storage, multi-currency accounts, and access to hedge funds. They also have a specialty in oil & gas and mining stocks. They are strategically located in a jurisdiction that provides asset protection and pure anonymity for your clients.

Request information about an offshore investment account..

The NZOFC Alternative Because of the difficulty in obtaining a banking license and the difficulty, if a license is obtained, of finding a correspondent bank willing to deal with the paperwork many have found a better solution, the NZOFC

A NZOFC or New Zealand Offshore Financial Corporation is not a bank. A NZOFC will not do business with residents of New Zealand which is typical of offshore companies. However, such a company can do business with persons and corporations from throughout the world.

A NZOFC has no capital requirements. It can take deposits, lend money, offer wire transfer services, and issue credit and debit cards. A NZOFC can provide payment processing services, manage funds, market investments, and deal in a variety of other financial instruments and guarantees.

New Zealand is a good and safe place to do business and to do business from. The country is developed, safe, democratic, and pro business.

New Zealand is an island nation (two islands) east of Australia in the Southern Hemisphere. New Zealand is part of the British Commonwealth. This business friendly nation has always had a democratic government. It is politically stable and functions strictly under the rule of law. This is not a place where the laws change overnight to the detriment of investors.

New Zealand law provides for banking type services to be offered by a number of business entities including finance companies, building societies, credit unions as well as capitalized and registered banks. A finance company is unique in that it is not subject to capital requirements and is not supervised by the governing authority for banks, the Reserve Bank of New Zealand. Nevertheless a finance company can offer banking services throughout the world, restricted only in that in cannot offer services to residents of New Zealand.

New Zealand has a well respected banking system with both Registered Banks and offshore institutions. New Zealand is not on anyone's blacklist for suspected money laundering, etc. Organizations such as the Organization for Economic Cooperation and Development, OECD, do not list New Zealand as a tax haven. In fact New Zealand is a member of OECD as well as the World Trade Organization.

English is the primary language of New Zealand which was a crown colony and is a member of the British Commonwealth of Nations. The majority of law pertaining to financial institutions is based upon English banking law. New Zealand is not a European Union member and not obliged to follow the EU Savings Tax Directive.

New Zealand is a modern country with first world infrastructure including roads, air transport, telephone, internet, and health services. With broad band internet New Zealand offers no internet related impediments to doing banking business by internet throughout the world. The economy is strong and stable and its professional community functions of a level of competence consistent with the best in the world. Any issues a NZOFC may come up against will be handled professionally and competently with the highest prospects of favorable resolution.

Besides operating under English banking law New Zealand encourages local investment by offshore entities to provide world wide banking services from this island nation. In order to facilitate the set up of financial companies in New Zealand the country has streamlines is rules and regulations to make the application process and running the actual business "use friendly." The lack of unduly harsh and cumbersome regulations makes setting up a NZOFC efficient and lends toward profitability of an ongoing operation. New Zealand is a good place to do business.

It is possible to set up a NZOFC and offer identical services to those which a bank would offer. However, the cost of operation of a NZOFC will be substantially less than that of a regular bank in New Zealand starting with the fact that the operation will be subject to no capital requirements. A NZOFC can offer online banking services to clients all over the world. In keeping with its policy of attracting business to New Zealand's shores such a company will have low initial costs and low operating costs compared to a registered bank.

An addition capability of a NZOFC is that it can act as a hedge fund with the attendant possibility of substantial profit. It is also possible with professionally designed financial/banking software to run a NZOFC with minimal personnel thus keeping costs to a minimum too. There are very few limitations to who can operate a NZOFC. NZOFC services are essentially bank services but the company cannot call itself a bank or use the word "bank" in it name. It is possible to obtain private label debit and credit card support also.

A NZOFC will have a director and at least one shareholder. These individuals or corporations can be of any nationality.

Although the paperwork is not extensive and is in English it is best to obtain competent counsel in setting up a NZOFC. A competent advisor will form and register the NZOFC and can maintain the legal aspects of the company. In setting up such an entity it is important to understand those with the knowledge to set things up and that they understand you. In setting up a NZOFC the principals need to have a clear idea of what services they wish to offer and make sure that those services are included in the beginning an ongoing business plan. Knowing tax consequences of the business, for example, will be something that you will want to know up front.

Clear Rules and Regulations under the Rule of Law

As a former British Crown colony and member of the British Commonwealth of Nations New Zealand is a country steeped in legal tradition and law. New Zealand laws pertaining to a NZOFC are based on English banking law, are clear, and reasonably straightforward. As we have noted a NZOFC is not a bank and is not subject to supervision or regulation by the central banking authorities in New Zealand. However, various facets of what a NZOFC does are covered in a number of laws in New Zealand. What this means is that the investor who sets up a New Zealand Offshore Financial Company can be assured that there will be surprise rulings or changes in regulations.

Law pertaining to NZOFC's are spelled out in a number of statutes going back as far as 1908 with the Bills of Exchange Act, and progressing over the years with the 1952Property Law Act, the Cheques Act of 1960, the 1969 Unclaimed Money Act, the 1971 Stamp and Cheque Duties Act, the Securities Act of 1978, the Fair Trading Act of 1986, the 1989 Reserve Bank of New Zealand Act, the Proceeds of Crime Act of 1991, the Companies Act and Consumer Guarantees Act of 1993, the Financial Transactions Reporting Act and Investment Advisers (Disclosure) Act of 1996, the 1999 Personal Property Securities Act, the Electronic Transactions Act of 2002, and the 2003 Credit Contracts and Consumer Financial Act.

This is not a list that the investor needs to memorize. Certainly none of these acts was written specifically for NZOFC's. This list is simply meant to demonstrate that the NZOFC is well founded in various statues of New Zealand law. The rules and regulations NZOFC are embedded in the fabric of New Zealand law making it a safe as well as potentially lucrative offshore business setup.

Request more information about NZOFC formation.

It's a plus to like the place you are investing in. This will not be a problem if your choice is Natal as it is a fantastic place to visit. It`s T-shirt and shorts weather 365days a year with the most sunshine in Brazil and the purest, cleanest air in South America. You have more than 400kms of coastline to explore with some of the finest beaches in the country. There is plenty to see and do for the more adventurous types as well as the sun worshippers. The local Brazilians are really friendly, easy to smile and make an effort to understand and help the unfamiliar visitor. Other attractions include a modern, dynamic urban centre with state of the art shopping malls, good selection of water sports, high quality range of restaurants and great nightlife all infused with Brazilian color and hospitality.

But what sets Natal apart from other cities in the North-East of Brazil?

There are 3 big urban centers in the north-east of the country; Salvador, Recife and Fortaleza as well as the smaller city of J.Pessoa, in the neighboring state of Paraiba. All of these places have their own special merits but we believe there are 4 attributes that make Natal a cut above the rest;

Climate; Undoubtably the best weather in Brazil with most sunshine, cleanest air and driest, least humid climate.

Size; With a population of just over 1million inhabitants, the city is of a manageable size, easy to navigate and hugs the coastline so you are never more than 10minutes away from a great beach.

Safety; Natal is certainly one of the safest cities in Brazil as we can personally testify to after living here for 6years. You can walk around in the daytime without any undue fear of being robbed anywhere in the city. At night you need to use a common sense approach as you would in your own country.

Geographical location; Natal is strategically located on the most easterly point of South America and thus is the closest Brazilian city to Europe, Africa and one of the closest to North-America making it a continental hub for future commerce and travel.

And the last but certainly not the least comparative advantage of Natal is the significant.... Investment potential!!!;

Along with the above attributes there are 2 major factors here that give Natal the edge and make it such a special place for property investment purposes;

Natal's new international airport to be complete and operational by 2013, is located in Sao Goncalo de Amarante, 15kms north of Natal city and is set to become one of the biggest airport`s in South America. The airport will be for both cargo and commercial flights with capacity of 5million passengers per year (the current airport has 1.2million capacity which gives a good indication for growth potential in tourism and foreign investment)

The runway is now finished and the passenger terminal will be built by a private consortium 1 year ahead of the World Cup in 2014 to be hosted in nearby Natal. The project is part of the federal governments strategy to develop the North-East of Brazil and this airport will provide a hub for inter-continental trade and travel as well as having a major impact on the surrounding area and beaches north of the city. Take a look at the map to see the how close the northern coastline is in relation to this massive new airport.

What does this mean for Natal? More direct flights from Europe and North America, more overseas tourists coming to Natal, more investors to capitalize on this growth, improved infrastructure, higher property prices and greater investment returns.

Natal was selected in May 2009 as one of the 12 cities in Brazil to co-host the football World Cup in 2014. It was picked due to it`s strategic location (closest to Europe and N. America) current hotel capacity of over 40,000rooms, great weather and obvious touristic appeal. It is the smallest Brazilian city to host the tournament and so will likely receive the greatest impact in terms of infrastructure improvements and worldwide media exposure. New world cup investments include a 45,000seater stadium and business park to be built in the heart of the city, metro lines, improvements in the cities road network and a host of social projects to benefit the local populace. It will be the biggest event ever hosted in Natal and the city has a massive opportunity to project itself onto the world stage. This can only be good news for property investors who buy into the Natal property market now, to achieve ever increasing gains over the coming years.

ANSWER; New airport. Great access. Lots of beach front land for sale. Lower prices. Higher investment returns.

Request an introduction to Brazil Property Experts.

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