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Archive for October, 2008

To North Americans and Europeans Seeking a More Secure Retirement…

Our hearts go out to retirees and near-retirees who, over the past year, and especially over the past two weeks, have seen their retirement plans devastated through no fault of their own.

These are unnerving times. Even putting aside the current chaos on Wall Street, the global bailout is truly a case of the bankrupt bailing out the near-broke: One of the
biggest financial threats facing all Americans is the U.S.
government itself….

The federal government is now more than an estimated $90 trillion short (and rising) in meeting its future
obligations for Medicare, Medicaid, Social Security and other
entitlements (Dallas Federal Reserve: Storms on the Horizon, March 2008). That dwarfs Wall Street’s massive failings. Forget your broker or
your bank. It’s Uncle Sam you should be most worried about, and he’s not
alone. Many U.S. states are also staring at gaping shortfalls in their
pension plans. This is at a time when the U.S. faces multiple external
and internal security threats that could prove very costly to deal with
in the future, from Iran to North Korea, from terrorism to the

America’s financial black hole (or rather, red hole) is
the cumulative result of decades of short-term thinking and "me-first"
misgovernment in D.C. and state capitols across the country that has
left these "authorities" dangerously underprepared for what might lie

Many Americans
instinctively know this and are turned off by politicians at all levels
of government in the U.S. — state, federal and local. And it isn’t
just the U.S. Many people worldwide, including Western Europeans, have
lost faith in the capacity of their own governments to meet basic
obligations and responsibilities, confront serious long-term financial,
social, environmental and security challenges and make the tough,
responsible choices we used to expect of adults.

They’ve grown tired of the unending parade of incompetents and
self-serving opportunists who spend more time looking out for their own
short-term interests or the interests of their families, their parties
and favored interest groups, than looking out for the long-term
well-being of the general public they pledged to serve.

Our message to all of you, whoever you are, wherever you are
and whatever your political leanings: Don’t look to someone else, much
less a politician from any party. Take matters into your own hands.
Empower yourself.

Do more to insulate your family, your life and your future retirement
from the nonsense of bad government and bad policy. Get educated about
other retirement options within and outside the U.S.

Consider Nicaragua where a couple can live comfortably on as little as $1500 a month in a country that blends the best of the Old World with the creature comforts of The New World.

The globe has become a smaller place. A massive virtual shopping mall
of new lifestyle options is now more accessible than at any time in
human history. New technologies have
become powerful tools that make relocation much easier than in the past.

Serenity can help you build greater security against the chaos of today and the many big unknowns and disasters to come.