Tag Archive | "expats"

Desperation Tax

The tax collector wants to get his hands on your money, in new ways… anywhere.   And he can!

My kids, who live in the UK, along with thousands of others, are being hounded by their British banks on behalf of the IRS.

This is a global problem that can affect anyone, even worse than you might think.  I explain why below.


A recent message at this site, “The Fall of the Dollar’s Sovereignty”(1), showed that freedom infringements are continually created due to the nature of governments to spend more money than they have.

This wanton spending creates inflation.

Inflation eventually destroys almost all currencies that are capable of being manipulated by governments.

The article said: That’s why gold has always been a good money.  Governments cannot manipulate (much) how much gold is in the ground and what it requires to mine it.

But governments will attack anything that threatens their ability to control money.

For example in the 1930s, gold rose in importance as the US economy collapsed.  FDR signed Executive Order 6102, forbidding the “hoarding of gold coin, gold bullion, and gold certificates within the continental United States”.  The “Trading with the Enemy Act of 1917” and “Emergency Banking Act” were used to limit American gold ownership.   The penalty could be as much as $10,000 and/or up to five to ten years in jail!

The stated reason for the ban was that hoarding of gold made the depression worse.

The real reason was to remove constraints on the Federal Reserve on increasing the money supply during the depression.

An article in England’s Guardian newspaper “British citizens born in US risk having UK bank accounts frozen” (2)  shows how desperate tax authorities have become and how far they’ll go to maintain control over their money.

The article shows how the IRS has created an unimaginable mess for tens of thousands of innocent people.

The article says (bolds are mine): Britons who left US as children being chased by their banks for a US tax ID they do not have.

Tens of thousands of British citizens born in the US but who left when only a few months or years old risk having their bank accounts in Britain frozen because of intense pressure by US tax authorities on UK banks.

In one case, a 74-year-old living in Cambridge has been sent increasingly urgent letters from Barclays demanding her American tax identification number, even though she left the US on the RMS Queen Elizabeth in 1947 when she was just 18 months old. She had assumed that her US citizenship had lapsed.

The pensioner, who did not want her name published, said: “I felt hounded … I didn’t understand US tax law.”

An increasing number of Britons – many of whom have never spent a day of their working lives in the US – are being chased by their banks, which are insisting that they hand over their American tax identification numbers or risk having their assets frozen.

British banks are terrified of huge fines from US regulators if they continue to serve US citizens but fail to share information with the US Internal Revenue Service, the country’s taxation authority.

But this leaves thousands of so-called accidental Americans, who were born in the US but left as toddlers, in a near-impossible situation. Those born before 1986 were never allocated a tax identification or social security number or warned that they would be liable for US taxes for the rest of their lives.

Banks and investment platforms are in a race against time to uncover information about any remaining dual nationals on their customer roster before the end of 2019, when a grace period for banks expires.

The pensioner in Cambridge said accidental Americans like herself should not be the target of Fatca trawls of foreign bank accounts: “It was a big net cast to catch these big fish, these sharks, hiding American money abroad. In fact they haven’t caught very many of those and instead caught little minnows like myself.”

This is not just an American problem.  An article at portugalresident.com “UK tax office benefits from global exchange of information” (3) shows how the UK taxman is after British expats just as the US is after American expats.

The article says: The Common Reporting Standard, where countries around the world automatically exchange information about taxpayers’ offshore income and assets, is now in full flow.  Tax authorities are beginning to use the data received to their benefit.

The UK government published the 2019 version of its “No Safe Havens” policy paper on March 13, timed to coincide with the Chancellor’s Spring Statement. It outlines how the UK has seen “huge changes and improvements to offshore tax compliance in recent years” and lists some of the results of the Common Reporting Standard (CRS).

HM Revenue & Customs received 5.67 million records on UK taxpayers’ offshore financial accounts in 2018. This involved around 3 million UK resident individuals, or the entities they control.

The tax office confirmed that it has begun this CRS data to detect possible non-compliance. Since 2010, the government has introduced over 100 new measures to tackle non-compliance.

The nature of governments is to spend more money than they have.  Creating debt now, that future generations will need to repay, gets them in or keeps them in power.

This problem has eroded our freedoms to such an extent that most banks abroad will not accept American customers.  Now they are even refusing dual nations who are citizens of their own country… all because of these draconian tax rules that punish Americans who live abroad.

This is one reason I continue to work with ENR Asset Management.  ENR is one of the few SEC registered financial advisors that has  bothered to create a system so Americans can still hold their assets at Swiss and Austrian banks.

If you have questions about how to bank in Switzerland or Austria, send a note to ENR’s Thomas Fischer at thomas@enrasset.com

Technology has allowed us to enjoy the benefits of a global economy.  That same technology makes it possible for us to bank and invest anywhere we choose.  This creates such a threat to the sovereignty of individual politicians that they act in desperation to maintain control of their citizens and their wealth.  Be aware of this danger to our freedom and look for every way you can live anywhere, but earn everywhere.


Live Anywhere – Earn Everywhere

How to Gain Extra Freedom – While Almost Everyone Loses Theirs.  Profit from post COVID-19 trends.

I invite you to join Merri and me in expecting the world to get better… to live and earn based on that expectation but…  to also prepare for bad times as well as good.

Just in case… the world goes sideways… we will still survive and prosper.

We do not give up anything much.  We can enjoy the good parts of the new economy, as we protect ourselves from what can be bad.

For example in my report “Live Anywhere-Earn Everywhere”,  you’ll see how to make your dining room table bring you more control, more time, more income and more freedom.  After all, what can be more accessible than a dining room table?


Dining room tables we worked from (and we also sold the tables for a profit).

You’ll even learn how to turn dining room tables into income and tax deductions as we have with these dining room tables we build out of local wood.

Let me be clear.  I expect that the world will get better, at least for the few who adapt and avoid the dangers that the changes from the COVID pandemic will bring. 

The wealth of the world, albeit with inequality, will continue to grow.  This collapse of the global economy will bring an incredible new opportunity for those who know what to do.  Thes profit making avenues offer enormous income potential and even work well in disaster scenarios.

Let me provide one simple, concrete example.  Ginseng.

This is a great health root.  The demand is growing especially in China.  At times good dried Ginseng sells for $1,000 a pound!  This is an incredible and easy crop to grow.   The less care you give it, the more valuable it can become.  Yet if everything goes south, the health qualities will be good to have and make it an excellent barter item.  Once you know what to do with ginseng, it’s easy to grow in your back yard.

Even better one of the best kept secrets is that ginseng and 125 other medicinal crops that are currently unsustainable but can be grown on land  that is extraordinarily cheap.

goldenseal ginseng

Ginseng we grew in our back yard.  I know about growing ginseng through experience and explain why and how in the report “Live Anywhere – Earn Everywhere”.

Loquats are another example of an easy to grow crop that help promote natural health.


Here I am by one of the many loquat trees at our Florida farm.

Loquats are a great fruit for making jam and such, but the loquat leaf has amazing medicinal qualities.  Its is a registered medicine in China and due to its anti viral and respiratory system enhancing qualities has an especially  growing demand right now.   The images below from Amazon.com show that the leaves sell for about a dollar per leaf!

I have many trees on the farm but started growing loquat seedlings last year.


Loquat leaf tea has become really important during the pandemic due to its respiratory strengthening qualities.

I have been drinking a lot of home made loquat leaf tea during the pandemic.

The report “Live Anywere-Earn Everywhere” shows specific places that reduce your living expenses, easily increases your income, makes you smarter, healthier and provides tax benefits as well. 

There are specific places where property is especially inexpensive, now because previous owners do not know about the special qualities created by the pandemic.

Learn about these specific places.  More important learn what makes these places special and seven freedom producing steps that you can use to find other similar spots of opportunity.

Here are some of the experiences this report shares:

The report includes a tax and career plan broken into four age groups, before you finish school, from age 25 to 50 – age 50-to 65 and what to do when you reach the age where tradition wants you to re-tire.  (Another clue-you do not need to retire and probably should not).

The report is very specific because it is about what Merri and I, our children and even my sister and thousands of our readers have done and are doing.

Live Anywhere – Earn Everywhere focuses on a system that takes advantage of living in Smalltown USA, but earning globally.

  • Learn about the magic of the north facing slope.   This is where Merri and I live almost half of our time.  North facing mountain land is some of the least expensive in the world but has hidden values that the report reveals.  There is a lot of this land and a lot of hidden value that you can tap.   When we bought our Blue Ridge farm (252 acres) I mentioned this to my Swiss banking friend.  “That’s bigger than the entire village where I live!” was his response.  Smalltown USA offers a last chance at having a lot of space.  By living in two Smalltown places there are enormous tax advantages as well.  One step in the system saves Merri and me over $28,345 in taxes a year.

The report shows how to buy cheap north facing slopes and create an income producing tiny home for $29,000 or less.

If you lack the $29,000 to invest, a start up using tents is even less.  These are tipis we put up at our farm before we built our first tiny home.  Learn how they can create tens of thousands of dollars in income for you.

Fwd: gary-scott-tipis

  • See ways that small businesses like Tipi rentals can be enhanced by the pandemic but also create BIG tax savings as well as extra income.  For more than 30 years Merri and I have enjoyed a strong six figure income, some years more, in the millions.  Yet there have been very few years when we had to pay federal income tax.  The report lays out a three structure program and how it is used when you are in school (up to age 30), then from 25 to 50, 50 to 70  and beyond 70.   Learn why Chapter C corporations and pensions can be better than the normally recommended Chapter S.  See how new mileage log rules gives you a possible opportunity to increase your tax deductions using IRS Form 4562.  Using a two-vehicle strategy you can gain $12,976 in new deductions even if you do not have to drive one mile further or spend one additional penny on your car.
  • See how a greenhouse can help you eat better and be healthier, plus provide income and a tax deduction and be funded by a government grant.


Our North Carolina greenhouse.

gary scott greenhouse

Our Florida greenhouse.

  • There are similar benefits from having a second home office defined in IRS publication 463 and IRS publication 587, even if your desk is a dining room table.  The report also shows how your dining room table can become an actual income producer as its creates a huge tax deduction at the same time, not to mention a great place to eat, work and lay out plans for a brighter, safer more lucrative and enjoyable future.
  • Living in this environment is also healthier, economically as well as physically.  You’ll see in the report how researchers at Harvard found an amazing correlation between living in conditions found on north facing slopes, longevity and mental health.  The researchers were quite surprised by this strong correlation that also extended into mental health.  In addition to feeling better, reducing stress and having more Joie de Vivre the places outlined in “Live Anywhere-Earn Everywhere” can help you avoid hospitals, high cost disease management (aka health care) and BIG pharma while providing an investment opportunity in three plants that have some of the fastest growing demand in natural health care.  These three plants are just one of seven business opportunities that can create multiple streams of income.
  • How changes in cell phone and internet technology eliminated the need to be in one place.   An old law that creates new opportunity for small business in small towns is available to everyone.
  • Use the specific search and purchase guide.  Construction plans are included that show how to generate first tier income that leads to five, second tier avenues of earnings.
  • How to pay off old debt and avoid new debt by avoiding spurts and embracing value. 
  • Learn seven skills that will always have value.  See how to turn First Aid, medicinal plants, hospitality, food, trees, alternate energy and writing to sell into everlasting, low stress wealth.

merrily farms

This pond we created at our farm brought us pleasure but also helped create a safe, healthy food supply, extra income and a tax deduction as well.

My Guarantee

This may be the most important report I have written in 50 years.  The information is certainly the most urgent.  Do not delay.  The risks are upon us right now and you’ll understand how the final steps of the alliance are taking place as you read the current news.

To take any risk out of gaining this urgent information with my full satisfaction or money back guarantee.  If you are not totally happy, simply let me know.  I guarantee you can ask for a full refund any time within 60 days and I’ll refund your payment in full, no questions asked.

You can keep the reports as my thanks for ordering it.

Buy Live Anywhere, Earn Everywhere Report  $39.99

(1) www.garyascott.com: The Fall of the Dollar’s Sovereignty

(2)  www.theguardian.com: British citizens born in US risk having UK bank accounts frozen

(3) www.portugalresident.com: UK tax office benefits from global exchange of information/


Largest Expat Residence in Panama

Boquete is home of the largest expat community in all of Panama, and it only takes one visit to understand why.  I compare Boquette to Cotacachi Ecuador, where Merri and I lived for ten years.

Expats brought huge improvements to Cotacachi.

An article entitled “Building a charming destination”  by Paola Vellejo in the Bienes Raices Clave (Key Real Estate), Ecuador’s leading real estate magazine shows how Cotacachi changed.


A translation of the article says:    In conversation with Britain’s Steve Marchant, familiar with the housing boom of Cotacachi, you can see the origin of the phenomenon of its growing popularity as a destination for retirees is the result of the sum of a series of coincidences that inevitably arise from one person: Gary Scott.    Scott was the spark that ignited the housing boom of Cotacachi for retirees.

Yes Merri and I had an influence as we promoted the benefits of Cotacachi.  However it was the benefits that really ignited the boom and Boquette has the same benefits in Panama that Cotacachi has in Ecuador.

The important points to look for as an expat:

  • A high mountain altitude that creates a moderate climate.
  • A quiet friendly, small traffic free village that’s 30 minute drive to a large city (Ibarra for Cotacachi – David for Panama).
  • Reasonable costs.
  • Beautiful surroundings.

Boquette has that high altitude and pleasant year round weather but these are only a small part of the picture.

The Boquette expat community is very active in this little mountain town, known as “The Little Town with a Big Heart”. They have an annual charity event that brings in over $100,000 to fund local charities. There is a weekly Market, where everyone has a chance to catch up on current events.

The cost of living in Boquette is moderate. Real estate prices have risen and the demand is tight, but prices are still very reasonable.

Take for example this $550 a month two bedroom furnished Boquette rental.


This newly built house is located very close to public transportation and has 2 bedrooms and 1 bathroom.

It comes fully equipped with big refrigerator, flat screen tv, big burner gas stove, and its own new on demand gas water heater. This house is the left part of the construction.

It comes with a private terrace with beautiful view to the garden full of flowers.

Panamarelocationtours.com says this of Boquette:  Boquette is located just 30 minutes up the mountain from David, Panama’s third largest city.  David is home to a small international airport and is a hub for national flights, as well as Costa Rica, which has a border only one hour away. There is also a small marina on the coast. David is one of the hottest cities in the country, but fortunately it is only a 30 minute drive up the road to Boquete if you want to escape the heat!

Boquette is close to major hospitals, schools, and shopping. Ten years ago, Boquete was a sleepy little town where retirees began to come for the climate and cheap real estate. Today, low prices are a lot harder to find in the area.

Boquete is now considered a top retirement destination and is priced accordingly. Even rentals are difficult to come by these days. There are many social events including the annual Boquete Jazz and Blues Festival.

Those who want to escape the high cost and pressure of city living should consider Boquette Panama.


Spanish Words Coast

Stroll – Paseo
Walk – Caminar
House – Casa
Oven – Horno
Negotiate – Negociar
Chimney – Chimenea


Learn Spanish in Three Days ONLINE

Instant $110 discount on the course!

The “Learn Spanish in Three Day Course” is now available online.

Read below to see why we are offering our Super Spanish course online for the first time.

Speaking Spanish is a huge benefit on its own.  You can become one of the rare North Americans who can get along in Spanish speaking countries.  You can be one of the special people who can communicate with 10 million non-English speakers in the USA.  Spanish is the second most used language in the USA.  There are more Spanish speakers than speakers of Chinese, French, German, Italian, Hawaiian, and the Native American languages combined.  According to the Census Bureau, Spanish is the primary language of nearly 50 million people in the US.  This is the largest Spanish-speaking community outside of Mexico. Only half of these speakers also speak English “very well,” and 19% do not speak Spanish at all.

You can tap into all this potential when you speak Spanish.  Yet there are more benefits.

An article in England’s leading newspaper, the Telegraph, entitled “Why learn a foreign language? Benefits of bilingualism” (1) sum up the biggest benefit of learning a second language and increased intelligence.  The article says: “Learning a foreign language is more than just a boost to your CV or handy for traveling.  It will make you smarter, more decisive and even better at English.  Physiological studies have found that speaking two or more languages is a great asset to the cognitive process.  The brains of bilingual people operate differently than single language speakers, and these differences offer several mental benefits.”

The article then explains studies that show seven cognitive advantages gained from learning a foreign language.

#1:  You become smarter
#2:  You build multitasking skills
#3:  You stave off Alzheimer’s and dementia
#4:  Your memory improves
#5:  You become more perceptive
#6:  Your decision-making skills improve
#7:  You improve your English

Does it sound impossible to learn Spanish in three days?  Yes, it is impossible when you try to learn Spanish in the old, traditional way.

Though you may choose to take more time using this course to learn Spanish, thousands of our readers have learned at our Spanish courses.

There is a scientific method of learning… proven and described in numerous best selling books that create educational jumps by making education natural, easy and fun.   This course works because it is education without stress!

This method was created and refined by the Bulgarian educational master, Georgi Lozanov, who transformed the entire Soviet educational system to such a degree that this third world country beat the USA into space.

Merri was lucky to be one of a handful of students outside of Bulgaria who were allowed to be taught this system in the early 70s.  She practiced this unique and remarkable form of education for  four decades. It was a delight!

Merri and I began integrating these techniques with other shamanic and educational tactics we had gained in our global travels and then applied them to teach Spanish in three days.

The course has been proven again and again by the thousands who have used this system.  You can read a few of the many raves we have received from delegates who have learned from the Super Thinking Spanish course we created.

Here are a few quotes from delegates of the course.

One delegate from St. Louis wrote:  Hi Gary,  Just ended forty-five years in dentistry last week, and I’m on to a new career.  What is my new career?  Still formulating, but the eye -opening,mind expanding Super-Spanish course last weekend in St. Louis surely shows me the opportunity exists to expand my horizons.

Besides having a lot of nice people to learn our new language; the methods Merri and you developed proved to be just what you said they would be.  We all and I in particular relaxed our way to new learning.  I feel so very comfortable with the basis of my new language skills that I know I will be spitting out great Spanish sentences by the time I reach Ecuador in October.  Last year I spent six weeks in Ecuador and now I plan on conversing with the people.

Today’s excerpt of your newsletter really hit home. You do what you say you will. There are no surprises or hidden sales tricks. The only tricks are beneficial to our learning.  Thank you for a wonderful experience that I was quite unable to grasp how you would pull it off.  You did, however, and I look forward to other courses that you offer, and I have absolutely no doubt they also will work beneficially.  Best regards, Denis Molloy.

Another wrote about the Super Spanish course:   Buenos Dias, here is a testimonial for Super Thinking-Super Spanish.  Please feel free to use all or part in promotions for the course.  In addition, you may give my email address to any prospect “on the fence” about enrolling.  Yesterday, in Cotacachi, Ecuador, I finished Super Spanish.  I had high expectations for the course and they were exceeded.

After three days, I can speak Spanish in complete sentences. In simple conversations, such as buying groceries or ordering a meal, I can make myself understood. I think that’s incredible!

Although I am far from the competence level of a native speaker, I feel I’ve taken a giant step forward in learning Spanish so that I can experience the people and culture of Ecuador.  The foregoing benefits would have more than justified the time and money I invested in Super Spanish.  And learning some Spanish was not the most important benefit I got from the course.

Prior to leaving the USA, I had felt for some time that the pace of life there was unhealthy for me (and for most people) and I did nothing about it.

I’ve thought about the pace issue during the course.  One of the key elements Merri Scott designed into Super Spanish is placing the student in the optimal state for learning.  In class, the past three days, I’ve been re-introduced to guided journeys and introduced to the calming effects of Baroque music (www.sundaybaroque.org).  What a blessing! I’m inclined to make one or both a daily part of my life.   Rob Christi.  Cotacachi, Ecuador

Another attendee from a course wrote:   “I took this incredible class a few weeks ago, and I would like to tell anyone that is interested, that it is an amazing three days of learning with lots of laughs included. You leave everyday wanting to learn more and are so excited to do so.

“Other Spanish classes and tutoring made us feel like it would take forever to get to the point where we could put it into practice, but this method gave us a more fluent use for everyday life almost immediately AND the confidence to use it.  It is a fantastic way to show people how much they know and give confidence to learn and use Spanish creating a momentum.

“They made learning Spanish easy and fun in a very relaxed, comfortable atmosphere.  I would definitely recommend this course.  Even if you know some Spanish, this helps make it easier because of the less stress that no verb conjugations gives you.  This gives you more confidence in yourself to try and speak it more.

 “The stress free atmosphere and tons of interaction and participation were very conducive to learning.  The relaxation techniques alone are worth the price.  The fact that I can now feel more comfortable conversing in Spanish with my new friends and neighbors is priceless.  Muchas, muchas gracias.”

“I loved the relaxed environment.  I picked up quite a lot of new vocabulary.  I found this course very informative about how the language works, how I can make sentences and understand others better!  Muchas Gracias!  I had a call from Telcel (the local phone company) after our second class and I was able to speak and understand them for the first time. Despacio (meaning slowly) … a great word!  Everyone should take this course before they pick up bad habits.”

“I liked how simply the course was organized and the positive attitude about learning.  Thank you so much for helping me to learn Spanish!”

“I liked the laid back yet professional approach.  I highly recommend this new, relaxing method of learning Spanish,  I feel a lot more confident in the delivery of my words and sentences. It was taught in an excellent and very professional way.

“It was a very enjoyable class.”

How The Course Works

The first tactic is to use Baroque music in the learning process.  At least three best selling books, “Superlearning”, the “Mozart Effect” and “Superlearning 2000” have revealed insights about how to learn and think more powerfully based on systems drawn from the Bulgarian educational master, Dr. Georgi Lozanov.  Merri Scott was among just a few who learned directly from Lozanov.

The second tactic uses 17 unique lessons to provide Spanish fluency in a short time.   Let me prove to you how this tactic works by teaching you hundreds of Spanish words in less than 30 seconds.

Here is the proof.

“Most words in English that end in ION are almost identical, just pronounced differently.  For example action is accion, education-educacion, manipulation- manipulacion, etc.”

There you have it.  How long did it take you to read the sentence?  You now know hundreds of Spanish words that you will never forget.

See examples of the words you already know below.

How long would have taken you to memorize all those words?  How soon would you have forgotten them?

This is just one of seventeen Spanish lessons in the course.

The next lesson teaches how to pronounce each of the nouns.

Then, the third lesson teaches almost as many verbs, almost as quickly.

The fourth lesson shows how to avoid conjugating verbs by sticking with the infinitive (far easier than it sounds).  This simple lesson leaves a person sounding like a Spanish professor without ever conjugating a verb.

Lesson five shows how to sound infinitely polite and yet get almost anything desired in Spanish.

Lesson six gives valuable connectors and the seventh lesson triples the Spanish capacity with three words for “yesterday,” “now” and “tomorrow”.

By the end of three days you feel comfortable speaking Spanish.

Plus the system is Impro-Dynamic.  This means your Spanish keeps getting better even though you do not seem to be studying… practicing… or speaking Spanish.

I was amazed by this as I traveled back and forth from the USA to Ecuador.  The longer I was away from Ecuador… the better my Spanish became.  My second language was automatically improving The self improving feature comes because you learn to create Spanish sentences rather than remember them.  The portion of the brain that creates is more powerful than the portion that recalls.  When your mind creates something… it owns it!  You do not have to remember .

During the course you learn 4005 Spanish words that you already know .  

You then learn how to create Spanish sentences from these words.

Throughout the course you learn how to pronounce the sentences you create.

When the course ends… the mind keeps working… and creating… so next time you begin to speak Spanish you’ll be surprised .  You improve even though you have not actively worked on your lingual skill.

Due to the difficulty of getting groups together to learn this valuable technique, we created an online program for subscribers to use the Super Spanish course at home.  Normally $149, this is available at the highly reduced price of $79. Simply use coupon code SPANISH110 at checkout.

I’ll be in touch personally via email with each person who signs up for this course to see how it works or what is required to make it better.  Once this test is complete, we plan to offer the program on a larger scale and at a much higher price.

The ONLINE course has our, full satisfaction or money back, guarantee.  Try Super Spanish for 60 days.  If not fully satisfied, simply let us know for a full refund.

Learn Spanish online $79 – using coupon code SPANISH110 at checkout to immediately save $110 off the regular price of $149

Here are more testimonials from previous Super Spanish Courses.

Maggie wrote: It didn’t really seem possible that we would be speaking and understanding Spanish in only 3 days but the course made it happen in a very supportive learning environment.  I would highly recommend this course for anyone wishing to learn “practical Spanish”.  The teaching methods, use of relaxation, the use of native Spanish speakers for pronunciation and the teachers themselves who were approachable and helpful and always positive made this a very valuable class.

This course improved my self confidence in my ability to learn and retain a language.  It was presented with genuine enthusiasm, great energy and the style of learning is very effective. Gracias!  It was a great experience.

Nadine wrote: “Just spent the last 3 days in the most wonderful learning environment learning Spanish.  What an amazing learning experience!!  First day out of class and I could not stop thinking in Spanish WOW!!  I am amazed by how much I learned, retained and how much more is showing up now that I am out of class.  And the best part is THERE WAS NO STUDYING!! Indeed this is Super Thinking!!!  I would highly recommend this to anyone that has ever had a desire to learn another language or learn anything in record time.

And a few days after that ….  As I went through my day, just hanging out with my son, I could see myself starting to think in Spanish.  At first I thought it was amusing but as it continued and increased I thought “My goodness this is really remarkable amazing” It was really an effortless unfolding.  I wasn’t at any point “trying” to think in Spanish, just words I knew would fly across the screen in my mind.  And then this afternoon, my son cuddled up on the couch to watch some cartoons on his ipad and was watching Peppa Pig in Spanish…hmm coincidence?  I think not, I’m radiating Spanish so much that my son is being influenced!  Thanks a million again.  This weekend the best learning experience of my life!!

If you have ever had a desire to learn Spanish this is the way to do it!  By the end of the first day I had more confidence and more practical ability than I had from any previous courses I had taken.  It was fun and relaxed and full of laughter.  You will leave this class excited to use what you have learned.  Rather than leaving overwhelmed with how much you have yet to learn and master, you are equipped with the knowledge and know how to go out and communicate as well as the excitement to do it!”

Gary noted:  “The whole approach is positive and conducive to learning at a level that benefits ALL participants.  It is not intimidating and does not set up a pass/fail atmosphere.  The presenters are terrific and the results unbelievable.  It was relaxed, informal, friendly and effective.”

Twila said:  “This class provided a very refreshing and relaxed way of learning.  The atmosphere felt very safe to say the words you were practicing.  I learned a lot in a way that will make it easy to apply.  Starting with conversation is way more fun.  How quickly you can learn!  It was a great group, great instructors and great stories.

The atmosphere in the classroom was so relaxed that learning Spanish felt like a breeze and not like a painful task.  The relaxation exercises are really conducive to language learning.  We learned A LOT in a short time and it was fun and the environment was non-threatening.”

Brigitte sent this:  “Buenos Dias, Suzanne. su clase de espanol es excelente! Muchas Gracias!  
I have already done what you suggested and went into the program listening to the music and going over the lessons.  I know: Repetition……reinforcement…..thinking in the new language….it’s all part of it.  I loved your course and will certainly recommend it to friends.  Who knows….I might feel the urge and have the opportunity to repeat it at your beautiful place in Puerto Aventuras…..Quien sabe? Hasta otro dia y saludos a su familia.”

Marie wrote:  “I would highly recommend this course.  The amount covered in 3 days is amazing!  All with no stress.  The correlation lessons and pronunciation practice has greatly reduced my anxiety to go out and use my Spanish.  I really enjoyed the whole process and thank you for the take away tools.”

Learn Spanish online $79 – using coupon code SPANISH110 at checkout to immediately save $110 off the regular price of $149


Here is the English translation of a few of the many Spanish words you now know and will never forget.  How long would it have taken you to memorize them?  How soon would you forget?

“Most words in English that end in ION are almost identical, just pronounced differently.  For example, action is accion, education-educacion, manipulation- manipulacion, etc.”

Some more of these words:  Combination, Attrition, Education, Vacation, Petition, Lotion, Motion, Construction, Abduction, Pronunciation, Concentration and a ton of others!

Learn Spanish online $79 – using coupon code SPANISH110 at checkout to immediately save $110 off the regular price of $149

(1) www.telegraph.co.uk Benefits-of-bilingualism.html

(1) panamarelocationtours.com/living-in-panama#tab-con-32


Never Say Never

Never Say Never because we never know what the future holds.

Yesterday I took a walk in or Blue Ridge woods thinking about the twists and turns that life send our way.  There had been a huge storm and the creek was raging so there was a lot of water under the bridge.


Bridge at our North Carolina farm.

That’s sort of like life… so many events… problems and joys of the past are now… water under the bridge.

This led me to an important thought generated by letters from so many readers.  The thought is “Don’t let water under the bridge leave you all wet or high and dry”.

The thought comes because many readers share with me their disappointment in the evolution of their nations. Americans… Canadians… British and Ecuadorians wrote telling me how fed up they are and they are leaving… finished… done.

If you decide to leave your homeland… there is little wisdom in burning bridges… especially when not necessary.   If you emigrate… do so in a way so you can return.

This requires a bit of extra effort.  Do it!  Otherwise the costs can be high.


Waterfall on our farm.

When Merri and I left Naples, Florida and shifted our living to Ecuador and North Carolina… we expected to live that way for the rest of our lives… traveling north and south.

Then came a sick mom…new grandkids in England, Florida  and Oregon and a real estate crash that created enormous value in the USA.  Suddenly we found ourselves flying East and West and right now Ecuador does not fit into the family at this time.

Many readers leave their homelands expecting to never return.  Never say never.  Take Americans and their tax man as an example to see why.

Excerpts from an April 2012 article “Growing Numbers of Tax Refugees Exit USA Permanently” by Mark Nestmann explains why.  That article says:  Numerous additional obligations come with U.S. citizenship or permanent resident status. For instance, you must make detailed disclosures of your non-U.S. investments annually to the IRS and U.S. Treasury.

You face additional tax pitfalls with reference to your non-U.S. investments and business activities. U.S. tax provisions for interests in non-U.S.-registered mutual funds, controlling interests in non-U.S. corporations, and interests in non-U.S. trusts are but three examples of the many “tax landmines” that U.S. taxpayers may inadvertently detonate.

However, a much larger number of non-resident U.S. citizens and green card holders aren’t even aware of their ongoing obligation to comply with U.S. tax and reporting requirements. An estimated seven million U.S. citizens live outside the United States, yet only a few hundred thousand of them file U.S. tax returns.

Starting around 2008, the IRS began to enforce these rules much more vigorously, especially with respect to non-resident U.S. citizens. For instance, in Panama, armed IRS agents now roam the countryside looking for non-compliant U.S. taxpayers living or doing business there. In Austria, I recently learned of the IRS calling a U.S. citizen’s unregistered phone number to remind her of her tax and reporting obligations.

Here’s how it worked in one case related to me. A Mexican citizen, now well past retirement age, grew up in a tiny town in Mexico near the U.S. border. At the time of his birth, the town lacked any medical facilities, so when his mother went into labor, his parents drove to the nearest hospital, which happened to be just inside the U.S. border.

Fast forward 70 or so years, and this gentleman was longing for some relief from hot Mexican summers. So, he did what countless other wealthy Mexicans have done—he purchased a condo in San Diego. At closing, he encountered a strange anomaly. The closing documents listed him as a U.S. citizen. He tried to correct what he believed to be a mistake, but the broker assured him the documents were correct. Since he was born in the United States, he was indeed a U.S. citizen.

Our hero thought that was the end of it, but when he arrived in San Diego for the summer, he received a notice from the Internal Revenue Service. The notice informed him that he was obligated to file U.S. tax returns. And there was no record of him filing a U.S. tax return for the preceding three years. The notice invited him to respond immediately.

A few days later, he drove over to the local IRS office to see if he could resolve the situation. After a brief conversation, he was shocked to learn that the IRS had already commenced an examination. The agent started using terms such as “willful failure to file,” “criminal penalties,” and “jeopardy assessment.”

At this point, our hero hired a criminal tax defense attorney. He spent about $100,000 in legal fees, and eventually received a notice from the IRS informing him that he wouldn’t face criminal penalties. Still, he had to pay 25% of the peak value of his unreported non-U.S. accounts for the period 2003-2010. Unfortunately for him, the value of these accounts fell about 35% in the global economic turmoil of 2008-2009. The accounts that were once worth $2 million are now worth about $1.3 million. Nonetheless, he paid a $500,000 penalty to avoid criminal prosecution.

There are few constants in life… but one we can be sure of is change.  Sometimes we hate the change we see and choose to escape it rather than change with it.

This is a time honored and often wise solution to problems created by change.   Just don’t make the mistake of thinking that with a move… change will stop.  Be sure wherever you live to maintain legal status back home.  No sense in being up a creek like this without a paddle.


Little Horse Creek on our farm.


We will have two experts on pensions and filing taxes overseas at our October 5-6-7, 2012  Super Thinking + International Investing and Business Seminar.