Hi ,

Today is Super Sunday in the USA and the NFL expects over 111 million Americans will be watching the New York Giants compete against the New England Patriot in this years Super Bowl. More than a third of all Americans tuned in to watch last year's game, then an estimated 1.5 million of them called in sick the morning. Mitt Romney will not likely be one of those to call in sick tomorrow but even if he did, his money will continue working for him - offshore.

Mitt Romney has an individual retirement account worth between $20.7 million and $101.6 million. Under federal law, Mr. Romney isn't required to pay annual taxes on the account's investment gains, and the bulk of his contributions to the fund are likely to have been pretax dollars. As such, the Romney IRA has enabled the current Republican front-runner to defer paying taxes on a sizable portion of his wealth.

Want to be like Mitt and invest offshore? Then this issue is for you.

Aaron A Day

P.S. - The RBC, Safe Haven - Pheonix Notes (recommended here) were sold out and over-subscribed in record time.

Get Greater Investment Options through a "Self-Directed" IRA!
Through a self-directed IRA clients can open the doors to greater investment choices. There are few limitations on the types of assets suitable for retirement plans. Investments such as gold, silver, offshore hedge funds, foreign currencies, private stock, and foreign real-estate are available through the use of a self-directed plan. These options are not frequently offered by conventional plans.

Most IRA assets are stuck in products with mediocre returns, brought to them by mediocre advisors. In fact, many people consider IRA funds "dead money", but that doesn't have to be the case with a self-directed IRA.

How does it work? The client rolls over their current IRA or old 401K into a self-directed IRA. The self-directed IRA owns a corporation or LLC,which holds the assets. The client opens an account with an offshore investment firm in the name of the corporation and invests the asset for growth. This is a tax compliant way for clients to grow their assets on a tax deferred basis. This is similar to what presidential candidate Mitt Romney has setup according The Wall Street Journal.

InvestOffshore.com works with an offshore investment firm that can educate clients and easily walk them through the setup process. They will roll-over the clients current IRA or old 401K, and help clients form a company or LLC. Once it is setup they canprovide clients with the platform, products, and knowledge to help youmanage assets for growth. Clients will benefit from professional asset management, ability to trade 80+ global markets, precious metal storage, multi-currency accounts, and access to offshore hedge funds. They specialize in providing private asset management with low or no correlation to the boarder US markets.

If you are ready to open the doors to greater investment options for your retirement assets, or want more information contact us today

What Factors influence whether a PPLI policy (private placement life insurance) should be acquired from an offshore versus a domestic life insurance company?

Premium payments to non-U.S. life insurance companies generally are not subject to U.S. state premium taxes, which can range from 1 -3% of premium. In addition, the U.S. "DAC" tax (approximately another 1% to 1.5% with domestic carriers) is often lower offshore. Although many offshore carriers elect to be taxed as a U.S. corporation, a U.S. federal excise tax of 1% is imposed on policy premiums on U.S. lives that are paid to foreign life insurance companies that are not taxed as U.S. corporations.

Main Disclosed fees and charges:

• 5% Up front fee paid to Broker - Paid by Insurance Company
• 1% Establishment fee - Charged to Client by Insurance Company
• 1.2% p.a. fee charged for first 5 years - Charged to Client by Insurance Company
• Recoup of 5% up-front fee paid to Broker over 5 years
• 1.0% Administration fee p.a. to Insurance Company - Charged to Client by Insurance Company
• 1.0% Management fee to Asset Manager - Charged by Asset Manager
• 0.15% - 0.40% custodian fee (generally about 0.25%)
• 0.5% - 1.5% brokerage on transaction volume (varies considerably)

Main Non-Disclosed payments Payments

• 0.15% - 0.3% Kickback to broker - Broker may negotiate kickback in return for bringing the assets
• 0.5% Retrocession on Brokerage - Usual transaction fee retrocession
• 0.1% Retrocession on Depot fees - Usual Depot fee retrocession
• 0.5% Retrocession on FX transactions - Percentage of the FX premium, or "Agio" charged by the custodian bank
• 0 - 5% Retrocession of up front load - Fund producer pays asset manager generally 80 - 100% of the up front load
• 0.5% - 1.25% Retrocession - Distribution fee - Fund producer pays asset manager 50-70% of the management fee as retrocession. If a bank is the asset manager they will often demand and get up to 70% of the management fee
• 0 - 5% Up-front fees on investment funds and structured products - Most common these days is about 3%. If the fund producer/asset manager refrains from taking the load, quite often the bank will take it
• 0.75% - 2.5% Management fees on funds varies widely. Performance fee also common.

The PPLI Advantage:

1. Tax-deferred inside build-up. IRC 7702 and IRC 817
2. Non-recognition of capital gains. Ability to switch investment options within the product without triggering taxation IRC 7702 and IRC 817
3. No FATCA issues

Request more information about Private Placement Life Insurance.

Fixed Income coupon of 8.8% pa (payable quarterly), 44% guaranteed over 5 year term, linked to the performance of 5 Large Cap Stocks with High Capital Protection 50% European Barrier
Underlyings:

• Caterpillar Inc (CAT.N, CAT UN Equity)
• Barrick Gold Corp (ABX.N, ABX UN Equity)
• L'Oreal SA (OREP.PA, OR FP Equity)
• Astra Zeneca PLC (AZN.L, AZN LN Equity)
• Advanced Micro Devices Inc (AMD.N, AMD UN Equity)

Key Points:

• Invests in 5 Large Cap stocks
• Fixed income coupon of 8.8% per annum, payable quarterly, 20 payments of 2.2% p/q , 44% over 5 years
• 100% Capital returned as long as none of the indices have dropped more than -50% (European Barrier)
• Income & Capital backed by AA- Rated RBC, one of the strongest financial institutions in the world
• No Annual Mgt Charge
• Available in 3 currencies£ $ €
• Term 5 years
• Daily liquidity by way of active Secondary Market for clients that wish to access capital early
• Available through all International Life Companies, Private Banks, Stockbrokers & Platforms
• Minimum Investment 10,000 £ $ €

ISIN codes:

• GBP XS0741467756
• USD: XS0741457799
• EUR XS0741467087

Available upon request is an Faq Fact Sheet highlighting the strength of the issuer Royal Bank of Canada. They are one of the highest rated investment banks globally, Aa1 Moodys, AA Fitch, AA- S&P (on positive outlook for an upgrade). There is no other 3rd party involved, the ability to repay the capital + proceeds lies entirely with RBC alone. This should give you a good comfort-level investing with the No. 1 safest bank in the Americas & No. 8 in the world.

Request more information about the Royal Bank of Canada 8.8%pa Large Cap Fixed Income Plan.

Situated in coastal Ecuador, just a short distance from Bahia de Caraquez, overlooking the fishing and surf town, Canoa just a few hundred meters up from the beach safely located at an elevation of 50 meters, in the protected ecological Hacienda el Recreo, is an exciting new gated community, of 36 luxury condos, designed to rigorous standards, with quality and sustainability unprecedented in Ecuador.

These beautifully designed homes are large and functional, at 1666.307 sq. ft (154.805 sq meters) indoor area, plus additional 2150.52 sq. ft. (174.6 sq. meters) of outdoor living areas including a roof top terrace, outdoor kitchen and shower, balconies, backyard garden, as well as 500 sq. ft. of pivoting full height and width windows, taking advantage of spectacular views and outdoor living.

The first 6 units are being offered at a pre-sell price of 93$/ft2. The units start at 155,000.00 and granite kitchen counter-tops for the first 3 units.

Request an introduction to our agent in Ecuador.

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 the Overseas Radio Network 1PM to 2PM New York Time Monday-Friday. This informative 1 hour radio show is dedicated to revealing the truth and exposing the lies about:

• international living and expatriation,
• pitfalls and rewards of the PT (permanent traveler) lifestyle,
• offshore companies, trusts, foundations and other structures, asset protection

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

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