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.

What are people doing to survive and prosper in these difficult times.

 

As JC would say, theres always an option. 

JC being from Retire cheap Asia, now Escape to Thailand. 

He was famous for his living on a 300 to 500 USD budget series which he got a lot of hell fot 

What I see more and more North Americans doing is living in their cars, vans and sometimes trucks. You can see there videos on YouTube on how they do it, how much they spend and how they earn income. Some even save for their (retirement abroad) and give process reports. 

I see others living off grid and doing it on there properties or wild camping,  I e en see people doing it in the UK.

Usually they live within there budget have no rent or morgage if its there property,  and then follow local regulations or not and build out a homestead or small farm, I see them doing it in AZ and im sure in other States. 

Some of these guys and gals run online business selling there products like tea or whatever they produce and usually its enough to live on and stress free.

If there business or YouTube channel takes off they save a lot and have more opportunities to do what they want onshore or off and dont have the stress of working and complying with all the rules and regulations of car ownership, healthcare costs that are rising ect.

Others like me, are living overseas in cheap locations. In the past I lived in Guatemala, Xela is where I lived. Ive also spent a lot of time in San Cristobal Delas Casas in Mexico. 

In those places I lived for between 500 to 1,000 USD a month. The costs their are cheap rents arent bad and in all prices ranges, food at the stores or markets are cheap, for fruits and vegetables and nuts fish ect 

My favorite place to live is Philippines, and probably Cambodia, with vacations to Thailand or Malaysia. 

Rents are as low as 50 bucks although i choice the 250 a month places in Cambodia. In Philippines ive paid 80 to 120 from the province to outskirts of Manila, and despite what you hear prices havent changed much in USD terms.

There was  German kid living in the Philippines for 300 a month, I think he turned his channel off but I loved watching his videos. He was disciplined and spend money on three meals a day, and rent and the rest of the time with his girlfriend having adventures. 

Not hanging out in bars drinking and supporting the families of the women he met.

What I like about the lifestyle is now theres so many ways to earn i come from Patrion or commission sales jobs to just selling covered calls or puts.

I prefer writing and consulting work and collecting monthly dividends and similiar with so called junk bond funds and ETFs with limited covered call overlays and last but not least consulting calls. 

Now with all the payments apps its easy to transfer money pay bills or collect fees from clients.

Once you leave the US a lot of your problems go away with being sued, same with taxes, Saipan a protectorate of the US i come tax is half 

A simple offshore bank account cant be easily sued or sanctionted by creditors, obviously these accounts need to be reported to uncle sam and taxes paid if owed.

Similiar with owning gold coins overseas hard for creditors to attach.  Nowdays theres many people in the US who can sue you and attach wages bank accounts ect.

All these things make living in North America difficult and expensive and more and more people are just leaving,  look at the UK .

People of all ages income and assets are leaving the UKs high cost of living and rising tax and regulations and crime which is sad to see and hear about 

Now these things are happening in Canada and the US. Luckily for us Mexico is easy to transition to same for the Philippines. 

Anyways thanks for reading and good luck. 

One way to get cheap basic health-care, in America

 

What I did in New Mexico. 

I applied to yhe cash price reduced, sliding scale baised on your income or la k of income 

All I did was give them my W2 from my last job in Alaska, which was 19K, and checked the box where I havent worked in six months. 

My visit to the clinic is 40 dollars, where as the other clinics cash price is 200, and 200 for tests, blood work ect.

So far I havent got a bill for blood work so dont know what it will be if anything, same with a urine test.

Forty dollars for a doctor's visit is reasonable at least until I run out of money.

It also feels good, to have a clinic I can go to and get basic healthcare and medication prescriptions. Nowthere many programs to get cheap prescriptions  and get it mailed to you.

If you can get on medicaid thats another way and more middle income people are doing that.

There is no easy solution for everyone but one I use when I am in North America. Its much easier and cheaper just paying cash in Asia, even Japan and Malaysia is affordable and good, not to mention Bangkok, and Manila. 

Thanks for reading.

Surviving and propering in our world, as it is, or despite the bad things happening

 

Its easy to be negative or not optimistic when you see the world as it is, especially the United States  

Despite the current war in the Middle East and Ukraine, its considered the best of times and the worst of times.

Or as others have said we live in a K shaped economy. If your in the top ten persent your world has never been better. If your on the bottom of the K shape its seems like the end of the world despite all the junk food you can buy and abundance of entry level wages.

If I say you just need to save 20% to 50% of your wages for five years or less and you can basically retire to a lifestyle your Grand Parents would envy, I know ill get push back, despite all the regions of the US or world where an dividend check of 1000,00 would pay all your basic expenses for the month, especially in Asia, or Latin America. 

Its never been easier to start an ERISA account(401k) and have asset protection against creditors and other bad characters. A ROTH is almost as good too.

Yet most single men and women wont do that. They may persue college and the debt that goes with it and then persue low wage work without the option of home ownership or children, which is sad.

One way to get ahead of these issues, is to persue a way of life when your young and healthy and can manage risk easy and with lowcost.

I have worked jobs where all my badic expenses were provided for and could save money through the company provided 401k and the rest put into a ROTH, where I bought income ETFs that throw off monthly income, all which has badic asset protection, if your worried about those things, not to mention tax relief  

If you persue that lifestyle and get six figuers into saving, its enough to pay basic expenses if you want to live in Cambodia or Philippines or just on a boat in the South Pacific, and then when you want to persue employment again go back to the States, or just work online on your own projects.

Often times if you have a basic income from dividends and nothing else the tax is zero and it pays your expenses while you build up an offline or online income. 

Not to mention the interesting people you meet.

I recognize this lifestyle isnt for most people and its why it works so well..

As more people become unemployed I can see more people doing this. I saw it all over Asia,  from Russians I met to Filipinos I met to living outside there country if birth 

As people tire of the traditional economy, and the healthcare and food options it provides I can see people wanting a differeny lifewhere your in nature more with a lower cost of living where you can manage risk more oppriately 

Despite all I have written many people will not choose liberty and prosperity and because of this there isnt much competition to live this lifestyle. 

Good luck.

High yield investing. I like it.

 

I first started getting interest in high yiels investing/dividend yield investing when I was young. I first remember the eighties where putting money in offshore, Swiss banking was popular and almost anyoneone could deposit money into an Austrian bank, or Swiss bank or even Sark or Isle of Mann.

Anyway you could deposit dollars and buy gold coins, use the gold coins as collateral and get low interest loans and invest in foreign currency deposits that paid higher yields and sometimes the currency rose against the USD or gold.

The banks in Denmark were famous for those kind of loans, borrow in Yen or Euro or Dollar for 3% or less and buy a foreign currency that paid 5% or higher, sometimes 10% or more and the currency would rise 15% or more against the Euro, Yen or Dollar.

Just for the record  https://www.simplify.us/ has an ETF FOXY that does this. It has an excellent carry trade element to it. So no need to deposit assets offshore anymore, although still a good idea if your wealthy. 

Anyhow sense I was young I have always liked getting dividend yields in the 8% or higher range and just compound the yields for part of my capital. 

Another ETF company https://www.cambriafunds.com/index does similiar.  They have a quant way of buying value shares, and similiar for high yield shares that includes buybacks.

Now that im older I look at yield and dividends to get back part of my profits to apply to my income needs and also to reinvest into other things.

For growth of capital I like trend following.  Both those asset management companies have managed future ETFs that can include shares and commodity and currency and managed futures on almost anything trending up or down. I like strategies that are both long and short 

.

I suppose I like yield investing because of the compounding and for the incentive it gives me to stay the course.

I have always had a bias against Tech/growth investing so prefer trend flowing to get that component. 

Or I just buy Tech ETFs in small amounts and just forget about them.

Thanks for reading. 

General observations on Asia, why I like it.

 

The biggest reason I like Asia is because its cheap. I mean airfares inside P,Thailand, Japan, are a few hundered bucks or less, often a one way flight is under a hundred.  I had a flight from Philippines to Malaysia for under 30 Dollars 

In some parts of Asia you can still get train tickets for twenty dollars a ticket to get across a country and see stuff and be comfortable. 

The biggest thing is cheap rent in Philippines, often under a hundred if your in the province or 120 and up in the bigger cities, its especially cheap in Cambodia. Then add in cheap eaterys and or wet markets, you can eat for under a couple hundered bucks a month.

I like that because you can live cheap enjoy yourself and build up your business and then relax without stress of worrying about bills especially medical bills.

While you are doing all that you can go out at night to bars night clubs for entertainment like comedy clubs, music clubs and enjoy the nightlife with your girlfriend or by yourself or just with friends. 

In Asia if you have a wife or girlfriend irs easy to be a part of the community if you want by going to church or doing other things like that. It just costs you time.

Its also generally speaking safe. If your a foreigner in Asia its pretty safe. Nowdays many people speak English so its easy to do banking and visa stuff without much trouble  

Another thing I like is your not exactly part of society, as I said before your an outsider looking in. Many foreigners dont like that. I like it myself and dont want to be another equal in Asia, your expat advantage will dissappear fast once your like everyone else 

So low cost of living, wasy access to affordable healthcare, same with food and rent, makes it easy to live their.

Thanks for reading .

I lived in Siem Reap, Cambodia, and enjoyed it

 In the last few years I lived in Asia,  mostly Siem Reap, Cambodia 

I spent more than six months in Siem Reap, and moved twice while I was their. I saw apartments drom 50 USD a month to 250,.00 amonth.

I settled on one place near the city center, for 250,.00 a month and electric 20 to 50 dollars a month. Mostly it was AC that kept the bill high, the water was 5 bucks a month and not to much.

I lived in a four or five story building.  It was nice and I think it had two swimming pools. My place was pretty nice but small, the bathroom was big, the kitchen small and the living room average.  It came with TV and fridge and stove and washing machine.

It was close to markets and a coffee shop and mall. Although Siem Reap isnt to big it can be a chore walking to place so the taxis are cheap .50to a buck or more, so I used them a lot.

For a small city it was nice. Theres a river that runs through it, and on the riverside there are many stalls to eat from for two or three bucks. There are sandwiches you can get for over a buck that were pretty good too. Same with a bowl of noodles.

I rented a bike some days to go bike riding, and the car traffic was easy to deal with so enjoyed biking all over the place. It was the same taking long walks on the riverside.

Stopping in a beer cafe and getting beers for ,50 to a buck was nice and cheap. Speaking of food, theres a lot of small grocery store to buy imported food from or hard to get stuff that wasnt to expensive.  I think its partly because tax is low their. 

I spent a lot of time in coffee shops their, coffee is cheap and sometimes comes with a free tea. Its nice. Thailands coffee chains are their and its no problem ordering whatever you like.

Theres mant foreigners their, retirees, young people starting businesses,  and just regular tourists from China, Philippines ect.

I even got acupuncture their, it didnt cost much, the Chinese lady was very kind.

They even have nice gardens you can visit, one even had a coffee bar in it. Unfortunately i was stung by a bee or bug but survived. 

The cost of living is as cheap as you want, I even ran across people living on a few hunded bucks a month. The dollar is used their. Easy to get 500or more a day out of the cash machines. 

I bet i spent five hundred to eight hundred a month living their. The hospital s were cheap, theres a Thai and Japanese hospital their that most people use. If your really sick you will need to leave the country to Thailand. 

The visa at least last year was easy and cheap to get and as far as I know still is. It maybe more difficult to start a business but I dont think so.

If you have a proper visa, easy to open a bank account,  the Singapore banks are best in my opinion but each to their own.

At least for now its a good plan B for some people but you have to live with the Chinese influence their, I mean the CCP.

If you can live with that its a great place to live and deposit some money and run your online affairs. I liked it.

I still prefer Philippines but that place isnt perfect either.  Sometimes you can just meet Filipinas their,if thats a preference.  

Anyhow, thanks for reading.