Dear ,

Peace is the first thing that comes to mind when I think about Easter. You want to have faith in the decisions you make, and the actions you take in life, to give yourself peace of mind.

The same rules of good decision making apply to offshore investing. You need to work with experts, who will help you avoid conflict and seek peace of mind, with your life savings.

Peaceful, Happy Easter!

Aaron A Day

If you're an American, here's why any Foreign Bank would not respond to your request to open a foreign bank account due to FATCA and the IRS. The Problem with a Foreign Bank Account began as a FATCA/IRS "Guideline" about two years ago and now is being enforced upon USA Connected Person and Beneficiary who hold AND/OR are listed as a beneficiary of a Foreign Bank, Trust, IBC, or Foundation.

As an Example:

1. IF you or your Grantor Trustee open an account in Switzerland with CIM Bank they will under FATCA be obliged to withhold 30% on each trade whereas under a life insurance policy that will not happen.
2. IF you send money from a USA bank to your FFI Grantor Trustee the USA Bank they will under FATCA be obliged to withhold 30% of the Transfer to a non-compliant Foreign Financial Institution whereas under a life insurance policy that will not happen.

Therefore, we are recommending a Foreign Private Placement Life Insurance Policy Solution.

"Private Placement" means that you can select your own "team members" to be within the Structure of a Life Insurance Policy. Before discussing this recommendation for your team members it is also important to understand that your Bank Account will be held in the name of the Life Insurance Company as an Institutional Account rather than as a "Retail Account". A Life Insurance Company Institutional Account, has an extensive number of advantages and benefits for you over a Retail Account. Your benefits include but are not limited to Asset Protection, FATCA and IRS Compliant, Lower Costs, Purchasing Power, Safety, Security and Tax Solutions.

The list of benefits are of so great a number that I would like to discuss them comprehensively in a private discussion. The big issue is due to the structuring of a Private Placement Life or Annuity Policy.

1. The insurance company owns the assets
2. The insurance company "hires" an asset manager for those assets. The asset manager can have discretionary control meaning in accordance with the agreement with the insurance company and the selected strategy of the policyholder the asset manager can deal in the account.
3. The Custodian Bank holds the assets in a segregated account
4. The policy owner could be a person , a trust, a retirement plan, a LLC but the IRS rules state that this policy owner can not control the assets in (1) above in fact the IRS goes so far as to state the policy owner can not communicate Directly with the asset manager beyond the point of a selected strategy i.e. growth, strategic growth, fixed income a mixture of fixed income and growth or similar generalized description of what the policy owner wants to achieve.
5. The beneficiary of the policy owner clearly has no role in dealing the assets which makes a broker relationship a bit difficult. There is a way to solve that issue and one way would be for the asset manager to have the insurance company agree for them to have full discretionary power and then to have the asset manager to designate the broker as discretionary manager who could then communicate directly with the client...BUT the Insurance Company would need an interface , at least on a monthly basis to be aware of what is going on! It is a bit complicated and would need to be agreed by all parties concerned.

In addition to those 5 issues the prospect needs to understand the process and to feel comfortable, safe, secure enough to accept this structuring.

There are platforms available that can be put inside a life policy which would simplify this issue by far!

Request a free private conference with a qualified professional adviser.

The Axiom Legal Financing Fund provides short fixed interest loans to approved British law firms to finance specific litigation cases and matters of a non-litigious type, such as divorce. Loans are concentrated on the consumer market but the fund does provide finance for commercial cases. However, the fund will only make loans to cases that are expected to settle within a year. This should ensure constant liquidity in the fund. Permitted uses of the loans are determined by the Investment Manager using the criteria that:

1. Litigation cases must carry insurance to reclaim the costs if the case loses and loan guarantee insurance to reclaim the loan if the law firm goes into bankruptcy, non-litigious cases (such as divorce) must carry loan guarantee insurance.
2. It must be straightforward to determine the likely success of each case easily;
3. There is a high probability that cases can be completed in under a year.

As a matter of policy, Axiom does not provide finance to the "ambulance chasing" law firms that advertise on TV.

Law firms find this very attractive as Axiom provides them with a service that includes:

• Assistance with sourcing the client cases where required
• Providing independent verification of the evidence
• Access to insurance for case loss or non return of the loan
• Loan to cover the case acquisition costs and disbursements

Every loan is insured to help prevent the capital of the fund from being eroded:

1. The first policy (Indemnity Loan Guarantee Insurance) covers every case in the event that the law firm goes into bankruptcy and does not repay the loan. If a law firm fails, the Fund can reclaim the case and pass it to another panel law firm.
2. The second policy (After The Event Insurance "ATE") is taken out for litigation cases by the law firm and covers the capital of the loan. It pays out if the case loses in court. If the case wins, the costs, including the insurance premium, are recovered from the losing party.

Loans are repaid upon completion of each case with a fixed charge of 15%, plus a further charge of 1.5% per month after the loan has been outstanding for 12 months.

The Axiom Legal Financing Fund is a Segregated Portfolio based in the Cayman Islands; growth is not taxed as there is no Cayman Island tax on capital or interest. The fund charges are:

The Fund Administrator currently charges around 0.5% per annum, which reduces as the fund size increases to a minimum of 0.15% per annum, plus auditors and directors' fees.
• A performance fee of 25% of the net profit to the Fund above a hurdle rate of 10% per annum, calculated monthly on a "high watermark" basis.
• No entry charge
• No redemption charge or lock in
• No annual management charge. The management fees, distribution costs and insurance premiums are paid by the law firms.

The Axiom Legal Financing Fund is a "professional and experienced investor" fund and can only be purchased through a regulated financial intermediary. Request information about Axiom Legal Financing Fund .

Property purchase offers far greater returns today than most stock market investments and never before has international property been as popular as a highly lucrative means to create wealth. Worldwide property investors are now turning their attention to Brazil as it fast becomes a leader in the field of emerging markets. Returns on investment are considered to be excellent and investors are increasingly aware of the high growth potential that Brazil offers as a stable though fresh, new investment market.

Advantages of Brazil Investment

• Property capital appreciation of 30% per annum in this locations.


• Favorable currency exchange rates, making property transactions cheap for foreign investors.


• Government's progressive policies, bringing many improvements to Brazil, including a decrease in inflation to an all-time low at 5.7%.


• Active encouragement and incentives for foreign investment - you can own 100% of land and property.


• Cost of living often 20% of that in the UK/US/Europe and property maintenance costs extremely low.


• Some of the lowest property prices in the world.


• Increase of thriving manufacturing industries relocated to Brazil and boosting the economy.


• Expected self-sufficiency in oil reserves within the next year.


• Some economists believe Brazil is amongst the leaders of the future, along with Russia, India and China.


• Year-round sunshine, with average summer temperatures of 25°C.


• Great natural beauty with fantastic scenery.


• Friendly nature of the Brazilian people.


• Easy access via direct flights from many international airports.

Request an introduction to our agent in Brazil.

The Karatbars group based in Germany, Belize and Thailand are bank-independent trading houses for merchandise and precious metals, especially Gold bullion in the form of a card in small denominations.

Karatbars International is an Internet trading company and its products are shipped worldwide to an expanding list of countries. They offer one of the most extraordinary range of products on the market. "Atasay Sanayi Ve Ticaret AS Kuyumculuk" of Turkey are the producer and supplier of the one-gram gold bars of the brand "ATAkulche".

Karatbars International is listed with the London Bullion Association Market (LBMA).

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