Mike Green, oversavings, Covered Call ETFs,

 

Mike Green, from Simplify https://www.simplify.us/ just put out a new article. 

If you can get on his mailing list, I believe its on Sub stack.

He wrote a pretty good article about how older Americans are over saving in their retirement accounts and brokerage accounts to meet their retirement needs when they retire.

All this causes a rising share market and problems with younger Americans not being able to enter the housing market and even employment market.

He pointed out how you can invest 1 million dollars into 5% long government treasury bonds, get 5% the rest of your life and not spend your principle, add in social security and the fact when you retire your cost of living goes down and inflation maybe over stated, which has lead to people who dont even spend all their social security or even their private pensions.

All this has lead to over valued share markets and under valued bond markets, which of course creates opportunities for some.

What I find interesting is I see this reflected in people's actions. I see people retire overseas for a fraction of the cost of living in North America. 

I see them live on much less than there social security checks and actually save money and add to there savings. 

Which brings up covered call ETFs and there high income, pay out dividends.

I see people buying them to get the income and retire from the employment market. I see this a lot with younger employees, as Mike points out theres less incentives for the younger generation to be productive in the employment markets.

They are not able to earn enough from jobs to buy houses, save for retirement so in many cases drop out of the market and live on state aid, or built up investments and live in low cost places like Latin America or Asia.  Or in vans ect.

All these incentives have distorted peopls incentive to be productive, which benefits older Americans which causes them to save more which distorts markets more.

All this causes flows into share markets, which incentives gambling in shares amongst younger Americans or gambling in general. 

It also seems to increase addictions and anxiety among younger men and women.  I would also say all age groups are loneier than ever, despite the abundance we have created in North America. 

Its all very sad and may result in disaster in the next few years. I mean a recession, and share market crash or long term sell off.

Im still optimistic about the future for most people and only time will tell.

Good Luck. 

Philippines, great places to live cheap.

 

I just saw a video from one of my favorite YouTube bloggers.

He was in Manila, visiting his friend,  an American Doctor I believe. 

He showed a nice condo area, I cant remember the name of it, but in the facility there are condos, two bedrooms for 400,00USD and up. 

It had a huge swimming pool on the ground floor, it was outside.  It had a nice gym, and in the neighborhood a bank, Starbucks and nice grocery store.

It reminded me of nice places in Guatemala. Where you can walk to everywhere and its safe, not much traffic and easy to park a car or motorcycle if you want to buy one.

As the YouTube gentleman said, 400 plus utilities and food and immigration fees would be under a thousand USD per month and unlike the province you have everything you need. 

It got me to thinking how much everything in the west is over priced. 

He even mentioned the condo would be 50usd just to buy it, not much.

I had forgotten how much the Philippine peso has fallen during the current war. Inflation in the Philippines is about the highest in Asia right now.

Most people will not believe me but in the less nice areas you can rent gor 80 to 160 be in an ok area, close to malls, wet markets street food ect and live on 500 to 600 a month, and build up an online business and when you get a good month fly to the beaches of the province and just relax for a few days or weeks at a resort.

Of course most North Americans wont do that, although you are hearing more and more are making the move or at least thinking about it.

Similar can be done in Cambodia but its not as developed but the costs can be lower and a little easier to make the adjustments. 

It takes time to make the cultural adjustments and the Philippines can be easier partly because of English and history and culture. 

Sometimes im surprised more people arent doing this but think over time many will especially in Europe because governments their aren't giving people reasonable chances to prosper and live in peace.

Thats it for now.

Happy Hunting. 

Escaping the matrix is getting easier and cheaper despite the inflation spike.

 

I see more and more videos of North Americans leaving Canada and United States living in Asia usually or even Brazil, I even see Brazilians and Mexicans living in Asia too.

Its never been easier and cheaper to get on a plane and go to where you are treated best from a tax and liberty point of view.

I know quite a few people now and from ten years ago who went outside there country of birth and teach conversational English or college course English lessons, college degree or not.

An American acquaintance of mine was from the southern United States, an exutive from corporate america, quite his job went to  Brazil, taught English, then started his own online business,  got Brazilian citizenship, then as he got older sold up and moved to Thailand, I haven't heard from him sense. I was on his email list.

Anyway I know a few men and women who still teach English online for small or large amounts of money and prefer it to living in America or the EU, UK.

Which brings me tothe few men and women who sometimes live on 300 to 500 a month in Thailand, Philippines, even Cambodia and Indonesia. 

Sense I dont get comments on this website ill talk about it.

You would be surprised how many people still live on this amount and build up sidelines business in addition to teaching English online and dont end up in poverty living on the streets of Manila, which still happens sometimes even more than id have thought.

There are still a few websites that will help you get clients for teaching online, no college degree or anything. The pay is low usually 12 an hour sometimes five an hour in Eastern Europe.

Even if you work part time its enough to pay rent, visas, and food until you build up the income to save some money or just spend more.

If you combine that with dividend income ETFs or a small pension its enough to escape the Matrix/ rat race.

Nowdays you see more people doing that in the US and living in their vans and when they have saved enough and built up an online income, sell the van and get the passport and leave for Latin America or Asia or the Pacific region.

Teaching English online still works which does surprise me but a private tutor whos a human still beats AI tech at least for now.

Good luck.

Polynesia, Philippines, Saipan, Micronesia

 

I think all these places are in the Pacific, or what I understand to be Micronesia, or North Pacific and South Pacific. 

Sense I was a young boy, I have always been interested in these places, especially the Marshall Islands.  I remember seeing a tv episode on old pictures and videos of soldiers in the Marshall Islands and people swimming in water that was clear as day.

Every sense I have wanted to visit there and learn about the history and culture there. 

Ive only been to Philippines and can say its much more different that Thailand or Cambodia, even the language Tagalog is pretty different.

I suppose the clear blue water was very attractive to a young boy so thats what I liked about it. Also I never felt a part of American culture,  I always felt I was on the outside looking in.

Anyways when Im in the province of the Philippines I have always liked swimming in the sea and seeing sea horses and other tropical fish.

Unlike others I like the food in the Philippines so that was nice too.

If you dont eat much of imported food your cost of living can be pretty cheap.

My friends in Saipan say the same.

The cultural things there are different than North America, people are really close there and theres little privacy.

If you stay in the Philippines long term you will learn that. You will need to be a part of your community or you will not fit in.

I think I liked the patience people have there, and the saving face they have, but it takes time getting used to 

Id like to visit more places in the Pacific next time I get out their. I look forward to visiting Saipan possibly living their.

As the American Empire starts to decline Saipan looks more interesting place to live in. Even with all the storms they have. The infrastructure looks better in Saipan than the Philippines but even Luzan is looking better and better everytime I go back their 

Even the healthcare options in Manila are better than twenty years ago.

I think as technology progress it will be easier and easier to live their, it may fall off the map of the general public but that maybe an advantage to some.

I see more young people from all over the Western world including Russian s going to these places in the Pacific. 

I wish I had more to say about the Marshall Islands but can only go by what I have read about it.

It has similar problems like most of the West, young people leaving for better opportunities, depopulation, not very good medical care. High costs for importing food and other goods, so not convenient.  I have heard you can order from Amazon have it delivered and it gets there in a month or two. Thats not bad compared with twenty years ago.

Its similiar to the Philippines,  you can order from Amazon but its a pain on the neck and youll pay taxes. 

Almost better to order have it delivered to Saipan pick it up there, then fly back to the Philippines. 

Youll need high income to do that but more and more are doing the planning logistics and doing it.

Good luck, and happy hunting. 

Is it worth it to still be productive in the US?

 

Is it worth it to be productive anymore?

When you see and hear all the people who are on benefit, as they say in the UK, you begin to wonder if you should continue working or work your business, considering all the tax you pay, not to mention the inflation tax we all pay, when government inflates the money supply to pay for benefits. 

Well I think you should especially if you dont have enough to retire on and reposition yourself in a lower tax jurisdiction, and lower cost price of living outside the West.

Im not sure giving up and living on welfare and section 8 is really worth it considering the lower standard of living and loss of self esteem.

I still think its worth puting capital in ERISA accounts and ROTH accounts not just for tax reasons but for asset protection. People under estimate asset protection when you consider how easy is is for creditors to seize your assets under false pretense and the cost to even get assets back.

Once you get enough assets offshore or onshore its much easier to leave the Matrix and move to a more gentle tax jurisdiction and lower cost of living place,  the world is getting easier to live in and theres often nicer people to live next to and much safer to live work and play in an safer environment. 

I also believe just giving up and not being productive, is hard on your sole.

If you live in North America, its still pretty easy to save money, put it into productive ETFs to earn monthly income while starting an sideline income.

Its also never been easier to learn where and how to live anywhere in the world that might interest you.

Its also never been easier to earn enough income teaching English online and making enough to survive and save money. Obviously theres other ways but thats what I see on social media and some of these people I know personally. 

Its even stilm possible to get pretty wealthy over time doing those things without the stress of living in North America or Europe.

The other consideration to make is I know people who worked five years and have saved enough to never work again and just live off investment income and now income from there small consulting business,  YouTube channel.

These men and women are in there twenties to fifties, im learning its never to late to start and now its never been easier despite the regulations, tax, and inflation .

Its still easy to get a passport in the West, ATM accounts, with credit cards to get you out of emergencies. Even credit limits are pretty high in the West, at least in the US its still true 

So yes, I think you shouldn't give up and still be productive for as long as you can and enjoy life anywhere you want in North America, or Asia. Or even Micronesia.

Thanks for reading, good luck.

Donald Hoffman, you live in a simulation.

 

I have listened to Donald Hoffmans latest interview many times.

He has had many over the years, talking about the possibility we may live in a simulation. 

He has now I think gotten more spiritual over the yeas of interviews he has done.

He reminds me of Chase Hughes as far as open mindedness and spiritual ness 

Donald seems to be convinced we live in an matrix/simulation. As I get older and hear this, I become more open to this.

It brings a lot into question about the things I believed as a younger person but probably dont believe anymore.

Donald seems to think this is a national security issue. As wealthy people tap into this idea and research it, it will become obvious, that there maybe ways for governments and corporations to take advantage of these things to create wealth and power that takes advantage of allies and enemies.

I just like the idea that we may not die like we think and that we are all playing a role in the universe that we barely understand. 

This understanding of this view of the world is so new I dont have much to say accept more people are open to it and these people are from all walks of life.

As an generalization im more optimistic about the future that most despite peoples worry over depopulations and economic downturns, and the current wars going on.

I also see an interesting thing happening in Russia our competitor and sometimes enemy. Its a spiritual awareness, awakening going on there, if you watch YouTube videos of people there its just under the current of awareness. 

Anyway thanks for reading. 

Trend following, momentum, the financial world is changing fast.

 The machine as some people say is changing markets fast. As AI tech and capital meet, it seems to be changing the old world of 60/40 investing fast.

Most investors cant seem to adjust to this new world of money printing, and booming world of wealth creation. 

Most people still seem to accept value investing as a way to either beat an over valued market and or beat inflation .

As markets adjust to this new way of investing trading more and more people are accepting trend following and momentum investing,  trading because it works and it seems to be the new world we are going into.

As corporations, governments learn to manipulate the markets and appear to be successful, more market participants seem to accept these changes and are adjusting there investing and trading strategies. 

As more wealth and prosperity is created all over the world, I believe we will not go back to the old way of doing things.

I have come to accept the momentum and trend following results im getting and the new ETFs that have been created to take advantage of these trends.

As Wallstreet sees these results they will change there way of trading and create a new market thats not like my Grandads market.

I believe we are seeing the clues underneath the surface of the market and as results come in it will change everything for the good.

Im not sure many see this so if you get in now you may get the better results than others.

Im more optimistic on the future than many 

I think as people see these results and use them in there own business it will create prosperity that hasn't been dreamed of.

When you combine this with depopulation and the AI boom it will become more obvious.

It will create a world where you can live work or play in many parts of the world and be safe, low taxed, good health care, low cost of living and the opportunity to be productive long into your retirement years.

Thats all I have to say today. 

Good luck, be lucky  

More AI talk. And what kind of world its creating.

 

I was listening to the Acid Capitalist (Hugh Henry) 

Anyhow I probably spelled his name wrong, and even where he lives. (St. Barts) 

Anyhow hes pretty good at Macro Economics. 

Lately hes been talking alot about AI and how it will affect jobs going forward and the Wests Governments going forward. 

He seems to believe its possible AI will destroy a lot of white colar jobs and low income jobs.

I think hes right.

In the Philippines its already impacted the phone answering services many companies have their, with AI answering your questions, which I have already experienced. 

I could barely tell I was talking to a phone. 

He seems to think Governments will pay people for long periods of time without doing anything productive,  like they are already doing in the UK.

This is all inflationary. 

He points out the deflation that may come and the resulting inflation from all the money printing that will come to keep people from revolting in there old age 

It has caused him to think it maybe profitable to hold TLT, long duration US Treasury Bonds and Bitcoin. 

All this is interesting to think about and how men and women will react to all these changes.

I believe hes right, real estate in low tax jurisdictions in places like Switzerland,  St. Barts will become valuable.

He also points it will easier than ever tl live in political jurisdictions that will be affordable, safe and low tax, and easy to start small businesses and comply with all the worlds taxes.

This will cause high tax/regulatory States to either compete with lower tax/regulations or die a slow painful death. So far the UK is choosing death, but the recent election may have changed that.

This is why you see so many Brits making videos on there new lifein Asia, North America, and Eastern Europe, Middle East countries. 

For the most part these folks are surviving and prospering.

As the Chinese say, may you live in interesting times.

Im probably more optimistic for the future,  there is more wealth being created and more financial instruments to trade and invest in, and markets moving faster than Government policies.

So im not as bearish as others even though earning income from entry level jobs with or without college is getting more difficult to do.

I see more cottage industry businesses being created in North America, including Mexico, where people are surviving and prospering despite government policy. 

Time will tell in how things will unfold.

Good luch. Happy Hunting. 

Brainsupreme/review/my results

 

Brainsupreme, go here https://brainsupreme.co/ 

Its a company that sells basically ground up mushrooms and other ingredients that can help your brain function better.

While I was im Alaska, I was hurt on the job, I slips and fell on the concrete floor knocking myself unconscious. 

I dont remember anything from the incident including the ambulance ride, and hospital stay.

Incidentally I was reported to the proper government agency that I was hurt, and off the job but was paid nothing not even my last hospital bill which was over 10,000 dollars. 

Workmans comp was the agency, I might have to get a lawyer.

Anyhow my memory was affected, which could have come from the fall on my head and my age.

I had heard Chase  Hughes https://chasehughes.com/ talk about his brain injury and mentioned Brainsupreme products.

So I decided to try them.

I bought them a few weeks ago and tried them. 

The first thing I noticed in my body is when I sleeped I got up a little earlier and had less depression. 

My brain function seemed clearer and sharper. I noticed less depression, my dreams seemed to change but is hard to describe how it changed in words 

If you listen to the founder, he suggests after a week taking a few days off and letting the chemicals from the mushrooms leave your system, so I will stop for a few days and see what happens.

So far Im happy with the results.

And with all the bad chemicals in our food and bodies from all our new technologies, im glad to have found them and expect more products from them and there competitors. 

Thanks for reading  

The economy is changing faster than I can adjust.

 

The longer this current war lasts, and economic numbers come out like today's inflation numbers, the longer it takes me to readjust  

The inflation numbers were a bit higher than expected but not to surprising to most analysts.

Is seems inflation is ticking up, unemployment is going up but not a lot.

Unemployment for college educated kids is pretty high and unusual, its thought that AI is why more companies arent hiring young college graduates. 

While men and women are getting hired more to train people or learn new skills and pass on the information to either AI software or other people.

All this turmoil is causing anxiety in peoples lives as people believe they will have a lower standard of life as technology progresses.

At the same time we are seeing people dropping out of the workforce especially men of all ages, basically giving up, which means less men women want to marry causes a crisis in having children to carry on everything. 

We are seeing these trends all over the world.

I believe this will accelerate people starting cottage businesses like back in colonial times.

I believe as people are made redundant more people will earn income by becoming creative, or thus the creative classes. There has been many books on this, so I believe as traditional ways of earning a living decrease people will earn income in ways of doing things they enjoy 

I believe we are already seeing this with people who write online newsletters describing there lifestyle and how to live it, and then earn additional income consulting on it, selling reports on it and newsletters. 

You see similiar on YouTube, where people earn income selling there books or earning from Adsense, or from a Partrian account or something similiar. 

Now you can have a YouTube account where people pay to see private videos, or they can direct you to an Forum thats pay to play where they give investment advice or things like that.

I believe these trends will continue as demand for unskilled labour trends down, even white collar workers will be affected.

I have heard good articles on robots taking awsy jobs from skilled people tradesmen. My understanding is we are five years away from that. 

I believe others will save capital and invest in these new technologies through business development companies and just live off the dividends. 

We already see Covered Call ETFs that can pay 10% to 15% dividends monthly where people invest in them or use margin accounts to buy them and just use dividends to pay margin and use the rest to pay the bills.

I think these trends will continue and change over time because so much capital will be created withthese trends.

Ss tax go up to pay government pensions and universal income, people will leave. As people leave government will have to change tax and how its collected, probably leading to lower income tax and higher tax on capital so consider that. 

I still believe it will be tough for governments to stop wealthy people from leaving high tax states and countries to lower tax places but they will try, fail and markets will readjust .

Look at St. Barts inthe Caribbean. One of the safest places for wealthy people to live, easy to buy clean food, surf, meet other people in your social class.

I believe a place like that for lower income people will be Asia, I prefer Philippines but its not as developed as say Thailand,  but tax is low, regulation not to enforced, safe if you live in the right places, easy to fly to nearby countries, so easy to do business with other locals and expats in nearby countries. 

I like the weather their. One downside is healthcare but its constantly changing and getting better in the Capital. 

You can fly to Malaysia to get testing done easily and cheaply and see doctors there who maybe better.

If you live in Philippines you sometimes just have to accept things as they are in exchange for the liw cost lifestyle costs.

Even with the inflation their costs in dollar terms are still low.

Thats it for now, I think its better not to live in fear and to embrace the change and uncertainty and accept things as they are. Its getting better all the time despite the current events of war in Europe and Middle East, and slowing economy. 

Thanks for reading.

What to do when things dont go your way

 

Sometimes things dont go your way.

Sometimes the best thing to do is accept where things are and do the best you can, even if your behind the eight ball.

Life isnt fair and the ealier you accept that the sooner you can stop digging the hole your in.

Easy to say but difficult to do.

Not much to say but keep moving forward despite the setbacks and work twice as hard.

Thanks for reading.

Dont do what I did, unemployment/Alaska

 

I worked in Alaska last year for about six months, a fish processing plant, Seward, Alaska. 

It was a small place maybe 25 to 35 people. We processed Halibut and Black Cod and some other fish. Over all it was a learning experience and im glad I did it.

Anyway as the season ended, I was sent home, and laid off. So I signed up for unemployment, in Iowa. I used the library for internet to sign up for my benefits  

All went well until they said my IP adress from the library said I was in MN which was not the case 

So I now owe 3000,00USD 2000 for the unemployment and 1000 for the fine, which is 50%. 

Anyhow i am disputing this, I may not be able to prove anything so may owe the money back 

The upshot is I can pay in installments i tel its paid off. Which is nice. I can pay as little as 50 bucks maybe less.

Anyways things are changing fast in America. More and more people are moving to escape the Matrix so to speak. 

I wont leave until i get more clarity on my medical bill I recieved from getting hurt on the job in Alaska,  its over 10K so its a pain in the neck 

As of today I dont have a job to make any kind of payments  

This situation is common in North America so not that uncommon. 

Anyway thanks for reading. 

Gold update/ Delfation

 

Whats going on in gold in 2026?

Gold prices are off there all time highs, and as I write this I believe gold is 4700,00 dollars an ounce 

I believe gold prices could fall 20% but I dont think gold prices would stay down long 

I believe even if we see deflation gold prices woulnt stay low for to long because most market participants believe governments will inflate the money supply and inflate the debts away 

My opinion is we will see an deflation or disinflation event first then an government reaction to inflate away problems and then we will see if theres an economic collapse  

I believe most governments and people will assume its to dangerous to own US Dollar assets that can be siezed by the US Government and thats why there appears to be a bid under gold and possibly silver.

Its why in an inflation/deflation event many people will prefer a portion of there wealth in gold coins in there own possession in there home country or maybe a neutral country like Switzerland or Singapore or for others China or the Middle East, possibly Russia.

This is why I think despite high gold prices and silver prices could go higher and an sell off woulnt be like in the 1980s. Only time will tell.

So far it doesn't appear World Governments will not cut social spending or defense spending. It appears to be the opposite Governments will inflate and borrow and raise tax if they can to smooth over these problems. 

Just as an recent example UK has tried raising tax and I believe wants wealth tax, and people from all social classes of chosen to immigrate and the same for there capital and so far the government hasnt enacted exchange controls. 

I think people will choose to leave and continue to live in freer societys and theres little most Governments can do about it but time will tell 

This is why weather gold goes up or down money will continue to go into it and silver and BTC and even some co commodities. 

Good luck.