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Friday May 26, 2006
Vol. 8 No. 104
In Today's Letter: Comment: Time to Buy Commodities
Offshore: The Creditor's Tale of Woe
Wealth: Inflation Goes Up, Metals Go Up
Privacy & Rights: If It Happens to Veterans...
Another Buying Opportunity
Unfolds for Commodities

Today's comment is by Eric Roseman, Investment Director of The Sovereign Society and Editor of Commodity Trend Alert.

Dear A-Letter Reader:

For the third time since March 2005, commodities are in the midst of another brutal correction. And like previous declines in this secular bull market since 2002, investors should accumulate shares of great resource companies at bargain prices. But commodities aren't the only sector getting slammed in May; the majority of global equity markets are now hitting two-month lows as a long overdue correction finally slams high-flying bourses from Brazil to India. Indeed, since the bear market low in October 2002, major and emerging market stocks have not suffered more than a 7% correction off their highs.   

The trigger for the global sell-off is fears of higher U.S. and international interest rates to combat rising inflation. In the United States and Germany, April consumer price data hit their highest levels in years while in many emerging markets, inflationary pressures are increasing. Wage growth, a key variable determining Federal Reserve monetary policy, has remained historically low until the first quarter. For the first time this decade, wage growth is now outpacing the consumer price index, a signal to inflation-hawks that cost pressures are rising in the United States. Gold prices, which have surged from $420 an ounce just 12 months ago to over $650 an ounce currently, strongly suggest that inflation is a growing concern for global investors.

Prior to May 15, global investors had started to discount either a pause in U.S. Federal Reserve monetary tightening, or possibly, one last rate hike on June 29. Increasingly, however, it appears that the Fed will raise short-term rates higher than market expectations to quash the inflation threat. Rising interest rates are commodities' worst nightmare; the market is now digesting a prolonged tightening cycle in the United States, which explains why natural resources are coming undone this month.   

Commodities have been on a tear since last fall. All major commodity benchmarks now trade just under their all-time highs, including the CRB Index, the Goldman Sachs Commodity Index and the Dow Jones-AIG Commodity Index. Since stocks peaked over six years ago, no other asset class has come close to outpacing the huge returns generated from the red-hot energy, base metals and precious metals sectors. But like all bull markets, corrections are a natural progression of the primary trend. Investors, instead of running for the hills, should embrace the ongoing correction with selective purchases in the gold and silver-mining sectors, agricultural commodities and the energy complex.

As for the Federal Reserve and interest rates, the United States cannot afford to aggressively raise the cost of borrowing. Real estate, the backbone of the economy in the post-2000 period and a major source of consumer discretionary spending, is clearly slowing since last fall. All major categories of the real estate market are unraveling, including refinancing, new housing starts, existing home sales and speculative purchases in many of the "bubble" markets across the country.

For commodities investors, the spectrum of lower interest rates six-to-twelve months from now combined with a sharply lower U.S. dollar will catapult raw materials to newer highs.

A slowing real estate market just might be a commodity investor's best friend in 2006.  

ERIC ROSEMAN, Investment Director
on behalf of The Sovereign Society  

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Offshore

A Creditor's Tale of Woe If Your Assets Are Offshore

If your assets are placed in a European holding structure, like a Liechtenstein annuity, there's a very lengthy process your creditors will go through to access your wealth. It goes something like this:

The creditor must know your holding structure exists in Liechtenstein and which company is the contractual partner. Then your creditor buys a plane ticket to Liechtenstein, where he then hires a charge-by-the-hour local attorney and makes an initial deposit of US$1000.The local lawyer must accept the mandate and try to get a attachment order (and the lawyer can only get one if your creditor has a specific claim based on enforceable judgment or recognition of debt). Then the national authority must order the policy attachment. Your creditor needs to then pay these court costs. If your policy owner files a protest, within 10 days, your creditor must file a civil suit against the policy owner. Then your determined creditor must prove that fraudulent conveyance is involved. And then the local Liechtenstein courts must declare your annuity policy invalid.

And usually, even if all these requirements are met, a Liechtenstein court will generally order only that a creditor recover actual damages - punitive damages are almost never awarded. Interested in sending your creditors on such a wild goose chase? Consider setting up a foreign holding structure for your wealth - like a properly structured annuity - in Liechtenstein.

EDITOR'S NOTE: This snippet first appeared in a previous edition of The Sovereign Individual . Click here for the full article.

Interested in becoming a Sovereign Society member? Click here to learn more.

Wealth/Investments

U.S. Credit Expansion Fueling Inflation - Hence the Soaring Precious Metals

The consumer price index (CPI) might show a lowly annualized 3.4% growth rate, but other measures of monetary growth clearly depict rampant credit expansion in the United States this year. Bank credit surged $30.9 billion dollars the first week of May to a record $7.7 trillion dollars with a blistering year-over-year gain of $321 billion dollars or 13.1% annualized. Commercial and industrial loans have expanded at a 17.2% rate year-over-year while real estate loans have expanded at a 10.4% rate year-over-year. Is it any wonder that gold, silver and the other precious metals are surging in 2006? Inflationary pressures are increasing as the Federal Reserve slowly attempts to close the financial spigots with 16 interest rate hikes since June 2005. 
          
ERIC ROSEMAN, Investment Director
on behalf of The Sovereign Society  
Privacy&Rights

If It Can Happen to 26.5 Million Veterans...

Experts are telling the recent 26.5 Million veterans who had their identities stolen, to stay calm, not panic. But according to USA Today , it only took one employee at the U.S. Department of Veterans' Affairs to lose all that information. The employee took this personal data home (against regulations) on a laptop, and a thief stole the computer right from the employee's home. Could the thief have known he was hitting the jackpot with over 25 million chances to use personal financial information? Maybe, but maybe not. But this just goes to show how easy identity theft really is and you should be prepared.

You can protect your identity by never disclosing your Social Security number unless there is an ironclad legal requirement that you do so (e.g., filing an income tax return). Your SSN is the "key" to your identity, and armed with it, an identity thief can quickly obtain sufficient information to impersonate you and obtain credit and other benefits under your name.

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