US taxpayers beware: when this number reaches +50% you better be prepared (it’s at 47% now)

Judge Andrew P. Napolitano manages to pack a lot of hard facts and truth about the destructiveness of the national debt into these 203 seconds, including whose door the IRS will knock on when the time comes to pay it back…(I think you already know the answer to that question)

If you’d like to give your friends and loved ones a heads up about the “apocalyptic” state of America then please share this video with them below!

Uncle Sam admits monitoring you for these 377 words:

Uncle Sam

May 31, 2012
New York City

One of breakout standup routines from the late, great George Carlin was his 1972 monologue “Seven Words You Can Never Say on Television.” In the presence of polite company, I shall not repeat them… but rest assured, the routine is still hilarious to this day.

I wish I could say the same about the Department of Homeland Security… I wish I could say this is all a big joke… that the government’s “377 words you can never use online” is just some stupid comedy routine.

But it’s not. And you just can’t make this stuff.

After vigorous resistance, the Department of Homeland Security was finally forced into releasing it’s 2011 Analyst’s Desktop Binder. It’s a manual of sorts, teaching all the storm troopers who monitor our Internet activity all day which key words to look for.

Facebook, a.k.a. the US government’s domestic intelligence center, is the primary target for this monitoring… though it’s become clear so many times before that various departments, including the NSA and FBI, are monitoring online activity ranging from search terms to emails.

Domestic spying is typically denied in public and swept under the rug. After all, it’s legality has always been questionable… if not entirely Unconstitutional.

Yet month after month it seems, there is new legislation introduced to deprive Internet users of their privacy and make the open collection of data a natural part of the online landscape.

Homeland Security’s key word ‘hotlist’ is really no surprise… they’re just the ones to get caught.

So now we know, at least, what these goons are looking for. Sort of.

According to the manual, DHS breaks down its monitoring into a whopping 14 categories ranging from Health to Fire to Terrorism. It’s a testament to how bloated the department’s scope has become.

Afterwards there is a list of 377 of key terms to monitor, most of which are completely innocuous. Exercise. Cloud. Leak. Sick. Organization. Pork. Bridge. Smart. Tucson. Target. China. Social media.

Curiously, in its ‘Critical Information Requirements’, the manual decrees that analysts should also catalog items which may “reflect adversely on DHS and response activities.”

Absolutely unreal. Big Brother is not just watching. He’s digging, searching, reading, monitoring, archiving, and judging too.

Have you hit your breaking point yet?

= Complete list of DHS monitoring keywords =

Department of Homeland Security (DHS)
Federal Emergency Management Agency (FEMA)
Coast Guard (USCG)
Customs and Border Protection (CBP)
Border Patrol
Secret Service (USSS)
National Operations Center (NOC)
Homeland Defense
Immigration Customs Enforcement (ICE)
Task Force
Central Intelligence Agency (CIA)
Fusion Center
Drug Enforcement Agency (DEA)
Secure Border Initiative (SBI)
Federal Bureau of Investigation (FBI)
Alcohol Tobacco and Firearms (ATF)
U.S. Citizenship and Immigration Services (CIS)
Federal Air Marshal Service (FAMS)
Transportation Security Administration (TSA)
Air Marshal
Federal Aviation Administration (FAA)
National Guard
Red Cross
United Nations (UN)
Domestic security
Law enforcement
Disaster assistance
Disaster management
DNDO (Domestic Nuclear Detection Office)
National preparedness
Dirty bomb
Domestic nuclear detection
Emergency management
Emergency response
First responder
Homeland security
Maritime domain awareness (MDA)
National preparedness initiative
Militia Shooting
Shots fired
Explosion (explosive)
Disaster medical assistance team (DMAT)
Organized crime
National security
State of emergency
Bomb (squad or threat)
Pipe bomb
Chemical spill
Suspicious package/device
National laboratory
Nuclear facility
Nuclear threat
Biological infection (or event)
Chemical burn
Hazardous material incident
Industrial spill
Powder (white)
Blister agent
Chemical agent
Nerve agent
North Korea
Food Poisoning
Foot and Mouth (FMD)
Small Pox
Human to human
Human to Animal
Center for Disease Control (CDC)
Drug Administration (FDA)
Public Health
Toxic Agro
Terror Tuberculosis (TB)
Water/air borne
Norvo Virus
World Health Organization (WHO) (and components)
Viral Hemorrhagic Fever
E. Coli
Infrastructure security
CIKR (Critical Infrastructure & Key Resources)
Computer infrastructure
Communications infrastructure
Critical infrastructure
National infrastructure
Airplane (and derivatives)
Chemical fire
Port Authority
NBIC (National Biosurveillance Integration Center)
Transportation security
Body scanner
Failure or outage
Black out
Brown out
Service disruption
Power lines
Drug cartel
U.S. Consulate
El Paso
Fort Hancock
San Diego
Ciudad Juarez
Mara salvatrucha
MS13 or MS-13
Drug war
Mexican army
Cartel de Golfo
Gulf Cartel
La Familia
Nuevo Leon
Narco banners (Spanish equivalents)
Los Zetas
Meth Lab
Drug trade
Illegal immigrants
Smuggling (smugglers)
Barrio Azteca
Artistic Assassins
New Federation
Al Qaeda (all spellings)
Environmental terrorist
Eco terrorism
Conventional weapon
Weapons grade
Dirty bomb
Chemical weapon
Biological weapon
Ammonium nitrate
Improvised explosive device
IED (Improvised Explosive Device)
Abu Sayyaf
FARC (Armed Revolutionary Forces Colombia)
IRA (Irish Republican Army)
ETA (Euskadi ta Askatasuna)
Basque Separatists
Tamil Tigers
PLF (Palestine Liberation Front)
PLO (Palestine Liberation Organization
Car bomb
Weapons cache
Suicide bomber
Suicide attack
Suspicious substance
AQAP (AL Qaeda Arabian Peninsula)
AQIM (Al Qaeda in the Islamic Maghreb)
TTP (Tehrik-i-Taliban Pakistan)
Home grown
Extreme weather
Forest fire
Brush fire
Tsunami Warning Center
Mud slide or Mudslide
Power outage
Brown out
Emergency Broadcast System
Cyber security
DDOS (dedicated denial of service)
Denial of service
Cyber Command
Cain and abel
Brute forcing
Mysql injection
Cyber attack
Cyber terror
Social media

Why you need an offshore email account

Last month, a Wyoming bank employee was routinely emailing some loan documents to a customer’s personal Gmail account. It sounds like a simple enough task, yet somehow the employee made an enormous error.

Not only did he erroneously attach a file to the email that included the names, addresses, tax IDs, and loan information for 1,325 customers, but he sent it to the wrong Gmail address!

We’ve all been there… victims of our own fat-finger negligence– good intentions gone horribly wrong because our technology moves so quickly.

And so, with pulse pounding and panic setting in, the bank employee immediately sent a follow-up email to the mistaken address, pleading with the account owner to delete the sensitive data and contact him as soon as possible. And then he waited…

After several days had passed without response, the bank contacted Google for help. They wanted information about the unintended email recipient– is the Gmail account even active? What is the account holder’s name? Would Google take steps to ensure that the confidential information is not open or disclosed?

Google refused to comply without a court order, so the bank sued… and in this particular case the wheels of justice moved rather swiftly– within a few weeks, US District Judge James Ware ordered Google to temporarily deactivate the recipient’s Gmail account and disclose information about the account to the court and to the bank.

Days later, Google and the bank jointly announced that the issue had been resolved… but because of the court order, the user’s email account has to remain deactivated until the judge hears the case again on October 5th.

I read through the case files with great interest because, frankly I was disgusted that ‘the honorable’ Mr. Ware could compel Google to deactivate an individual’s email account.

Sure, the bank employee made an unfortunate mistake. But email accounts are deeply personal, even more than physical home mailboxes. I wondered if the employee had accidentally put a physical package in the mail to the wrong mailing address, would a federal judge direct FBI agents to beat down the recipient’s door?

Doubtful. Rather the judge would have told the bank, “Sorry guys, but you’d better start notifying customers of the security breach pronto.”

Advances in technology have a significant impact on the world; as I am fond of saying, technology is key economic growth engines over the long-term. But governments and regulatory authorities have a bad habit of abusing the ease and comforts that technology provides as a means to erode personal privacy.

Email usage, web searches, e-commerce, credit cards, etc. all make life easier and more convenient for consumers. They also make it easier for the government to keep tabs on our activity and whereabouts– and as this Google case demonstrates, the burden of proof required to violate an individual’s electronic privacy is quite low.

To take a page from WG Hill’s ‘Three Flags’ approach, I believe wholeheartedly in spreading one’s sovereign risk among different jurisdictions– establishing residency in a country that values foreign visitors, while maintaining citizenship in a country that doesn’t tax worldwide income and basing assets in yet another no-tax/ low-tax jurisdiction.

To this approach, however, I would add another ‘flag’: jurisdictions in which an individual should base sensitive and electronic assets. The goal is to ensure that the computer server where your email is hosted, as well as the company which owns/manages the servers, are both outside of your country of residence and citizenship.

Clearly there is going to be some element of counterparty risk in any transaction that involves more than one person; but if the Gmail recipient had been using an email account in, say, Singapore or Switzerland, the chances of a foreign judge ordering the account to be deactivated are slim to none… and slim’s out of town.

Below I provide a links to a few offshore email providers whose servers are located overseas. With a properly configured account, you can switch to an offshore provider and still keep your existing email address:

Neobox- (Netherlands) (Philippines)

HongKong Mail- (Hong Kong)

mBox- (Singapore)

Green- (Switzerland)

Swiss Mail- (Switzerland)

Remember, using these providers decreases the likelihood of your email account being confiscated or deactivated by your home government– offshore email hosting does not guarantee privacy or security unless you use encryption schemes (to be discussed in the future).

If you have suggestions for other providers, please let me know.

Four Valuable Passports that Anyone Can Obtain!


The idea of international diversification is a simple one– if you live, work, hold investments, own property, structure your business, store gold, etc. in the same country as your citizenship, then you truly have all of your eggs in one very fragile basket.

If just one little thing goes wrong, whether it’s a court case, divorce settlement, political instability, government agency ‘administrative error’, or some noxious bureaucrat who’s out to get you, all of those aspects of your life can be put at extreme risk.

The idea of ‘planting flags’, or diversifying internationally, involves spreading these aspects of your life across multiple jurisdictions and territories overseas. Banking in one place. Setting up a brokerage in another. Investing in another. Storing gold in another. Owning property in another.

You can do this with dozens, potentially hundreds of aspects of your life and/or business– using an offshore email account, obtaining medical treatment overseas, seeking personal companionship abroad, setting up an overseas credit card processor for a web business, initiating an IPO for your company on an overseas exchange, foreign health insurance, etc.

Taking these kinds of steps can make your life much, much easier. Suddenly all of those aspects of your life no longer fall under the jurisdiction of your home government; legions of blood-sucking bureaucrats no longer have access to confiscate your assets and frustrate your life with a few mouse clicks.

Potentially the most important and most powerful aspect of your life to diversify, however, is citizenship. I view this as the ultimate insurance policy– something that you hope you’ll never have to use, but you’ll really be glad you have it in case you do.

Having a second citizenship is like having a ‘get out of jail free’ card. It creates options. No matter what happens in the world, you’ll always have a place to go. You’ll always have a ticket out. And as I’m fond of saying, nobody ever hijacks an airplane and threatens to kill all the Lithuanians. Second citizenship does bring a greater sense of security.

Obtaining citizenship, however, is elusive for many people. Some people are lucky enough to come from a line of Irish, Polish, or Italian ancestors. For most, though, it takes a combination of three things:

  • Money
  • Time
  • Flexibility

If you’re willing to simply pay for it, there are certain countries like St. Kitts and Dominica which offer citizenship to people who are simply willing to pay. Most folks unfortunately can’t afford the $250,000+ price tag that’s required, so that leaves the other two.

Just about every country is willing to eventually naturalize permanent residents who reside in the country for a particular amount of time. It varies greatly from place to place. This past weekend, I learned from a subscriber who came down to Chile that, in Japan, it takes two decades of continuous residence.

Other places, like Belgium, offer naturalization after as little as three years, possibly two in extreme circumstances. This is a much easier option for most people, especially for such a valuable passport.

Then there’s the ability to obtain citizenship through what I call ‘flexibility’. This may include something like getting married to a local, which in many countries can provide an extremely rapid path to naturalization.

As an example, I’d like to outline a few options below of high quality passports that anyone can obtain with either time and/or flexibility:

1. Singapore

Easily the most valuable travel document on the planet, a Singaporean can travel almost anywhere without a visa, including to the US and Europe. It takes two years of residence after obtaining permanent residency to qualify for naturalization. And obtaining permanent residence is a snap– you can simply set up a local company to qualify.

Pitfalls: Singapore does have mandatory national service, and it’s important to review the rules to find out whether you would fall within the window.

2. Brazil

There are two great things about Brazil. One, they refuse to extradite their citizens to answer for foreign crimes. It just doesn’t happen. Two, ANYONE can be Brazilian, whatever their ethnicity– black, white, brown, it doesn’t matter. Brazil is a huge melting pot. We are all Brazilian.

Brazil is the KING of ‘flexible’ citizenship options– getting married, adopting a child, hell even adopting a rain forest in some cases. And it can happen in as little as six-months to three years. Just don’t expect the process to be crystal clear.

3. Israel

Speaking of flexible, if you’re willing to become Jewish, the State of Israel’s Right of Return entitles you to citizenship. Make no mistake, though, it’s not just going through the motions– you have to work with local religious leaders and actually make the conversion before they’re willing to go through the process.

Pitfalls: The downside of Israeli citizenship should be clear as military service is compulsory.

4. Belgium

At its core, Belgium’s naturalization laws allow foreigners who have maintained residence in the country for three years to apply for citizenship. “Residence” can either be in Belgium, or even abroad so long as you can demonstrate ties to Belgium, i.e. family, friends, employment, property ownership, paying taxes, etc.

Aside from being an incredibly valuable travel document, Belgian naturalization also passes to all minor children– in other words, if you become a naturalized Belgian, your kids do too.

NASA-funded study: Over 32 advanced civilizations have collapsed before us, and we’re next in line

Collapse of civilization

As any long-time reader of this column knows, we routinely draw from historical lessons to highlight that this time is not different.

Throughout the 18th century, for example, France was the greatest superpower in Europe, if not the world.

But they became complacent, believing that they had some sort of ‘divine right’ to reign supreme, and that they could be as fiscally irresponsible as they liked.

The French government spent money like drunken sailors; they had substantial welfare programs, free hospitals, and grand monuments.

They held vast territories overseas, engaged in constant warfare, and even had their own intrusive intelligence service that spied on King and subject alike.

Of course, they couldn’t pay for any of this.

French budget deficits were out of control, and they resorted to going heavily into debt and rapidly debasing their currency.

Stop me when this sounds familiar.

The French economy ultimately failed, bringing with it a 26-year period of hyperinflation, civil war, military conquest, and genocide.

History is full of examples, from ancient Mesopotamia to the Soviet Union, which show that whenever societies reach unsustainable levels of resource consumption and allocation, they collapse.

I’ve been writing about this for years, and the idea is now hitting mainstream.

A recent research paper funded by NASA highlights this same premise. According to the authors:

“Collapses of even advanced civilizations have occurred many times in the past five thousand years, and they were frequently followed by centuries of population and cultural decline and economic regression.”

The results of their experiments show that some of the very clear trends which exist today– unsustainable resource consumption, and economic stratification that favors the elite– can very easily result in collapse.

In fact, they write that “collapse is very difficult to avoid and requires major policy changes.”

This isn’t exactly good news.

But here’s the thing– between massive debts, deficits, money printing, war, resource depletion, etc., our modern society seems riddled with these risks.

And history certainly shows that dominant powers are always changing.

Empires rise and fall. The global monetary system is always changing. The prevailing social contract is always changing.

But there is one FAR greater trend across history that supercedes all of the rest… and that trend is the RISE of humanity.

Human beings are fundamentally tool creators. We take problems and turn them into opportunities. We find solutions. We adapt and overcome.

The world is not coming to an end. It’s going to reset. There’s a huge difference between the two.

Think about the system that we’re living under.

A tiny elite has total control of the money supply. They wield intrusive spy networks and weapons of mass destruction. The can confiscate the wealth of others in their sole discretion. They can indebt unborn generations.

Curiously, these are the same people who are so incompetent they can’t put a website together.

It’s not working. And just about everyone knows it.

We’re taught growing up that ‘We the People’ have the power to affect radical change in the voting booth. But this is another fairy tale.

Voting only changes the players. It doesn’t change the game.

Technology is one major game changer. The technology exists today to completely revolutionize the way we live and govern ourselves.

Today’s system is just a 19th century model applied to a 21st century society. I mean– a room full of men making decisions about how much money to print? It’s so antiquated it’s almost comical.

But given that the majority of Western governments borrow money just to pay interest on money they’ve already borrowed, it’s obvious the current game is almost finished.

When it ends, there will be a reset… potentially a tumultuous one.

This is why you want to have a plan B, and why you don’t want to have all of your eggs in one basket.

After all, why bother working so hard if everything you’ve ever achieved or provided for your children is tied up in a country with dismal fundamentals?

If you agree with me, then feel free to share this article with your friends below so they also can get a plan B in place. They’ll be glad they did.

Our goal is simple: To help you achieve personal liberty and financial prosperity no matter what happens.

If you liked this post, please click the box below. You can watch a compelling video you’ll find very interesting.

Will you be prepared when everything we take for granted changes overnight?

Just think about this for a couple of minutes. What if the U.S. Dollar wasn’t the world’s reserve currency? Ponder that… what if…

Empires Rise, they peak, they decline, they collapse, this is the cycle of history.

This historical pattern has formed and is already underway in many parts of the world, including the United States.

Top 5 FBAR mistakes: what you need to know before June 30th


June 25, 2015
Bali, Indonesia

If you’re filling out your FBAR this weekend, here are some things to keep in mind.

The FBAR is a disclosure form, not a tax form. So even though it goes to the treasury department, it’s not like there’s any money owed.

Nonetheless, this is not something to be taken lightly, as the penalty for failing to file can be anywhere from $10,000 to 50% of the amount in each account for each violation. It can even come with jail time.

To help you stay out of the government’s crosshairs, I want to go over the top 5 mistakes people make when it comes to the FBAR. (Note that this is not official tax advice, so please go over all of this with your personal tax accountant.)

1. Misunderstanding the threshold.

I can’t tell you how often we come across people who say think they don’t have to file because they don’t have more than $10,000 in any one bank account.

In fact, the rule pertains to anyone who has had over $10,000 in the last calendar year cumulatively across all foreign financial accounts.

On top of that, it’s not what the account value was at the end of the year, it’s the maximum account value during the year.

So first, go back and convert the amounts in each of your bank accounts to dollars using the IRS’s official exchange rates.

Then add together the values of all your accounts at their highest points in the year.

If the amount you come up with exceeds $10,000 then you have to report ALL of your foreign accounts.

2. Not knowing what to disclose

If you meet the filing requirement, you’re required to report ALL of your foreign financial accounts.

This begs the question, of course: what constitutes a ‘foreign financial account’?

As of now, on top of bank accounts, this also means mutual funds, brokerage accounts, commodities options or future contracts, and insurance policies that have a cash value.

Other stores of wealth such as real estate, coins, jewels, collectibles, and precious metals like gold or silver do not count.

Though keep in mind that gold in a ‘gold account’ does need to be reported, like GoldMoney. But storing coins or bars in a safety deposit box offshore does not.

3. Forgetting your online financial accounts

New innovations in digital finance have complicated this whole matter even further. But it is essential to get this part right, because in many ways it is the easiest area for them to track your activity.

Thus far, Bitcoin is considered by the IRS to be property rather than currency. So it does not count towards the threshold. For now.

You also want to make sure to include other places where you store money online, such as an international Paypal account.

This may go beyond standard financial accounts, as the IRS has even gone after a man for not disclosing amounts he held in online poker accounts.

They claimed that his ability to withdraw money from the accounts made them the equivalent to financial institutions, and the sites were incorporated in foreign countries they were subject to the compliance requirements.

4. Not knowing what counts as foreign

The government definition in this case is the physical location of the account, not the nationality of the institution itself.

For example, opening an account in the Hong Kong branch of Citibank, does count as a foreign account for FBAR purposes; whereas the New York branch of Bank of China does not.

Again, don’t forget to check where the companies of your online financial accounts are based.

5. Forgetting your children

There is no minimum age limit for the FBAR, meaning that even those under the age of 18 are subject to this compliance requirement.

This includes accounts held by a parent on behalf of their children, given that the child is a signatory of the account.

Yes, that’s right, the government even goes after your children.

Just make sure you file

Yes, there are a lot of nuances and fine print with the FBAR. But don’t be discouraged– just remember the most important rule of all: file the form.

Even if it’s less than perfect, even if you don’t fully understand, my personal view is that it’s important to make a good faith effort.

And if you have any doubts, it’s better to err on the side of reporting something rather than not reporting it.

Our goal is simple: To help you achieve personal liberty and financial prosperity no matter what happens.

If you liked this post, please click the box below. You can watch a compelling video you’ll find very interesting.

Will you be prepared when everything we take for granted changes overnight?

Just think about this for a couple of minutes. What if the U.S. Dollar wasn’t the world’s reserve currency? Ponder that… what if…

Empires Rise, they peak, they decline, they collapse, this is the cycle of history.

This historical pattern has formed and is already underway in many parts of the world, including the United States.

Marijuana is medicine, Journal of the American Medical Association concludes

Posted on June 23, 2015 at 10:06 am by David Downs in featured, Health, Science


Marijuana is one hundred percent a form of medicine, researchers conclude in a bombshell series of reports released today by the Journal of the American Medical Association.

Cannabis — which has been used medicinally for thousands of years — reduces nausea, and vomiting, and pain, as well as spasticity, a panel of researchers conclude, after reviewing a total of 79 trials.

“Use of marijuana for chronic pain, neuropathic pain, and spasticity due to multiple sclerosis is supported by high-quality evidence,” one of the reports found.

Researchers bemoaned the lack of high-quality trials of marijuana. That situation that can be laid at the feet of cannabis prohibition. The federal government maintains cannabis is a highly dangerous drug with no medical use. Researchers must cut through more red tape to research a pot…

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