PT Shamrock's November 2019 Newsletter

PT Shamrock's November 2019 Newsletter
"The US justice system is "very generous" at handing out sentences as "people remain in prison for a long time over the smallest violations. They are just taking their lives away from the girls. No correction is happening while behind bars."
- Maria Butina, recently released from US prison.

In this issue:

* Welcome To Freedumbville USSA!
* Bend Over!
* Food for thought
* The District of Criminals
* Police State
* Red Hot Product!
* Advisory
* Why Consider Offshore Banking?
* Shamrock's Missive
* Letters To The Editor
* Quote of the month!

*** Welcome To Freedumbville USSA!

Motor vehicle departments around the United States are taking drivers' personal information and selling it to a range of businesses, including private investigators, generating millions of dollars in revenue, said a scathing new report.

According to Motherboard, which obtained hundreds of pages of documents through public records requests, members of the public are likely not even aware that the data they're obligated to provide is being sold -- in some instances, to private investigators who specifically advertise they'll surveil spouses to see if they're cheating.

"You need to learn what they've been doing, when they've been doing it, who they've been doing it with and how long it has been going on. You need to see proof with your own eyes," says the website of Integrity Investigations, one private investigator company that purchases data from DMVs.

The Virginia DMV has sold data to 109 private investigator firms, while the New Jersey Motor Vehicle Commission has sold data to at least 16 private investigation firms, according to spreadsheets viewed by Motherboard. In addition, records obtained by the news outlet revealed that the Wisconsin DMV made more than $17 million selling drivers' data.

According to an investigation by Motherboard, DMVs around the country are selling drivers' personal information. (Photo by George Frey/Getty Images)

According to an investigation by Motherboard, DMVs around the country are selling drivers' personal information.

Other companies, including consumer credit reporting agency Experian and research company LexisNexis, have also been beneficiaries of the DMV data, according to Motherboard.

Beyond basic privacy concerns, one expert said, there could be big implications for someone fleeing an abusive situation.

"The selling of personally identifying information to third parties is broadly a privacy issue for all and specifically a safety issue for survivors of abuse, including domestic violence, sexual assault, stalking and trafficking," Erica Olsen, director of Safety Net at the National Network to End Domestic Violence, told Motherboard.

As Motherboard notes, the data being sold varies depending on the state, but it usually includes a person's name and address; in some cases, it also includes their date of birth, ZIP code and phone number.

The Driver's Privacy Protection Act (DPPA) of 1994, which was meant to restrict access to DMV data, has a range of exemptions -- including for the sale of information to private investigators.

The above courtesy of DMVs are selling your data and making millions, documents reportedly reveal by Christopher Carbone.
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*** Bend Over!

Amazon's 'smart' doorbell allows customers to spy on 'minorities minding their own f**ng business'
- RT

A shadowy partnership between Amazon's 'smart' doorbell company and hundreds of police departments across America has fueled paranoia and pushed the country closer to an Orwellian surveillance state, Redacted Tonight reports.

Amazon's Ring has given 400 US police departments access to its customers' home surveillance footage, raising serious privacy concerns – particularly because many clients have reportedly never consented to participating in the program.

As Redacted Tonight correspondent Natalie McGill argues, the company feeds on paranoia and prejudice, leading to a spike in reports to police that turn out to be false alarms.

Neighbors are now encouraged to "upload footage and chat about suspicious looking people," McGill said, adding: "and, by 'suspicious looking people', I just mean minorities minding their own f****g business."

Watch the full episode here - https://www.rt.com/usa/468350-amazon-ring-police-lee-camp/
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Food for thought

How to Retire in Ireland: Costs, Visas and More
- Sam Lipscomb

Retire in Ireland

Ireland is home to some of the most stunning landscapes and coastlines in the world. This, plus the pace of life and rich Irish culture, make it an ideal destination for Americans looking to retire abroad. Americans who go this route should be ready to spend more in Ireland, though, as housing and other costs are generally higher than in the U.S. Still, it's entirely possible to live on the Emerald Isle for a manageable price. Here's what you need to know about cost of living, visa rules, and more.

Cost of Retiring in Ireland

Even the priciest areas in Ireland aren't as expensive as New York City or San Francisco. However, that doesn't necessarily mean the country is cheap, either. According to July 2019 data from Numbeo.com, a site that measures the cost of living of various countries around the world, average prices in Ireland are, on average, 6.45% higher than in the U.S.

Similarly, rent in Ireland is 6.47% more expensive than in the U.S. But if you're planning on buying a house, you can expect to pay about what you would in America. Even at these prices, renting is typically the way to go in Irish cities that fall into either the mid-size or small categories.

As is the case with any country you choose to retire in, your cost of living will heavily depend upon where you choose to call home. Dublin is the most expensive city in Ireland, and choosing to live in the city center there will cost you quite a bit of money.

Ireland is known for its gorgeous countrysides, though. So if living in a quaint town here is of interest to you, doing so can help you save some cash. Be aware, too, that residents older than 66 can take advantage of Irish public transportation for free.

Getting an Irish Visa

In visit and remain in Ireland for up to three months as a tourist. While this might suffice for your home search prior to your move, a retirement visa is necessary for a longer stay.

To obtain this, you'll need to prove to Irish authorities that you have an income of at least 50,000 euros (about $56,000 as of Aug. 2019) per year, or 100,000 euros (about $112,000) if you're applying as a couple. You'll also need proof of a lump sum of money in case of an emergency, which should be around $250,000. Unfortunately, you will not be able to work for supplementary income with this visa.

Ireland requires you to renew your visa every year for the first five years that you reside in its borders. After five years, you can get a five-year visa. Only after you live there for a decade will you be able to apply for permanent residency.

Healthcare in Ireland

Ireland offers both public and private healthcare. According to the World Health Organization, the Irish health system is ranked 19th in the world, but about half of residents opt for private insurance, too.

You're charged for public healthcare on a per-visit basis. Most emergency room visits will cost around 100 euros (about $112), whereas visits to a doctor's office can cost as little as 25 euros (about $28). For those that go with a private health insurance policy, it will cost you around 1,500 euros (about $1,680) annually. Residents over 70 years old can opt in for the public healthcare system without private insurance.

Taxes in Ireland

An Irish retirement visa doesn't allow you to work in Ireland, but you still need to file your taxes there. For the most part, retirement income won't be taxed in Ireland if it's generated outside of Irish borders.

As is the case with any American citizen living abroad, you'll still need to file your U.S. taxes as well. That being said, it's important to talk to a financial advisor to ensure that you're paying what's due come tax time.

Safety in Ireland

According to Aug. 2019 data from SafeAround, dangerous crime is rather uncommon in Ireland. Some of the larger cities like Dublin have some pickpocketing issues, but they're relatively minor. In general, Ireland is about as safe a country as you'll find, with petty crime unlikely to be a problem for anyone looking to retire there.

Bottom Line

Ireland can be expensive, but it's a great retirement destination. It's easy to find cheaper housing and living options, and the Irish lifestyle is perfect for anyone who is looking to settle down and live life on the slower side.

Some areas of the country are exceptionally rainy, but temperatures are mild throughout. And while visa requirements are steep for some, it's easy to obtain a visa once you're able to meet said requirements. If you're looking for a European retirement destination, Ireland should not be overlooked.

Tips for Retiring in Ireland

It's a good idea to talk to a financial advisor before you move to Ireland or any other foreign destination. Finding the right financial advisor that fits your needs doesn't have to be hard. SmartAsset's free tool matches you with financial advisors in your area in 5 minutes. If you're ready to be matched with local advisors that will help you achieve your financial goals, get started now.

Will your current retirement savings allow you to keep up with the cost of living in Ireland? Our retirement calculator can help you see just how much income your current savings will afford you in your golden years.
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*** The District of Criminals

Russian intelligence 'targets Tor anonymous browser'
- RT

Hackers who breached a Russian intelligence contractor found that it had been trying to crack the Tor browser and been working on other secret projects, the BBC has learned.

Tor is an anonymous web browser, used by those wishing to access the dark web and avoid government surveillance.

It is very popular in Russia.

The hackers stole some 7.5 terabytes of data from SyTech, a contractor for Russia's Federal Security Service FSB, and included details of its projects.

It is not clear how successful the attempt to crack the anonymous browser was, as the method relied heavily on luck to match Tor users to their activity.

Hackers from a group known as 0v1ru$ gained access to the company on 13 July, and replaced its internet homepage with a smug smiley face often used by internet trolls.

The information was shared with other hackers and journalists.

How did they plan to crack Tor?
To crack Tor, SyTech came up with Nautilus-S, which involved actively taking part in Tor and being part of the network.

When a user connects to Tor, internet service providers are able to see that Tor is being used. This data can be demanded by the FSB, and other state authorities in other countries.

However, the ISPs do not know what sites are being visited through the system - just that it is being used.

Defending Tor - gateway to the dark web
Putin, power and poison: Russia’s elite FSB spy club
But the Tor network is run by volunteers and enthusiasts - and SyTech set up a "contribution" to the network known as an exit node - the last computer the signal passes through before reaching the website.

If a user, by chance, happens to exit the network through SyTech's node, the contractor will know which website is being visited, but not who the visitor is.

There are two potential risks: combining the ISP data of who is using the network with which sites are visited at what times could, theoretically, help to identify someone – if they are lucky and the person randomly exits the network through their node.

But SyTech could also carry out a so-called "man in the middle" attack, and replace the webpage the user thought they were visiting with something else.

The system of attack is not unheard of - a 2014 research paper from Karlstad University academics highlighted the use of "malicious exit relays".

But a spokesperson for the Tor project disputed how viable SyTech's attempt to crack Tor would be.

"Although malicious exit nodes could see a fraction of the traffic exiting the network, by design, this would not be enough to deanonymise Tor users," they said.

"Large-scale effective traffic correlation would take a much larger view of the network, and we don't see that happening here."

What were the other projects?
The attempt to crack the most widely-used anonymous browser was just one of the projects unveiled by the hack. Others included:

Nautilus: Another version of Nautilus, without the "-S", was designed to collect information about social media users

Reward: An attempt to find a flaw in the BitTorrent person-to-person system used by millions to download and share illegal copies of movies, TV shows and games

Mentor: Designed to search email servers of major companies

There were at least 20 "non-public" projects contained in the data from the hack, most of which were apparently commissioned by a military unit linked to the FSB.

Russia recently broke its record for connections to the Tor browser network, topping 600,000 users on 11 July.

BBC Russian reports (in Russian) that there had been just 300,000 users at the start of the year - but the record number has been broken five times since then.

The average number of daily users from Russia in the last three months has been more than 400,000.
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*** Police State

Criminalizing everyone
- The Washington Times

"You don't need to know. You can't know." That's what Kathy Norris, a 60-year-old grandmother of eight, was told when she tried to ask court officials why, the day before, federal agents had subjected her home to a furious search.

The agents who spent half a day ransacking Mrs. Norris' longtime home in Spring, Texas, answered no questions while they emptied file cabinets, pulled books off shelves, rifled through drawers and closets, and threw the contents on the floor.

The six agents, wearing SWAT gear and carrying weapons, were with - get this- the U.S. Fish and Wildlife Service.

Kathy and George Norris lived under the specter of a covert government investigation for almost six months before the government unsealed a secret indictment and revealed why the Fish and Wildlife Service had treated their family home as if it were a training base for suspected terrorists. Orchids.

That's right. Orchids.

By March 2004, federal prosecutors were well on their way to turning 66-year-old retiree George Norris into an inmate in a federal penitentiary - based on his home-based business of cultivating, importing and selling orchids.

Mrs. Norris testified before the House Judiciary subcommittee on crime this summer. The hearing's topic: the rapid and dangerous expansion of federal criminal law, an expansion that is often unprincipled and highly partisan.

Chairman Robert C. Scott, Virginia Democrat, and ranking member Louie Gohmert, Texas Republican, conducted a truly bipartisan hearing (a D.C. rarity this year).

These two leaders have begun giving voice to the increasing number of experts who worry about "overcriminalization." Astronomical numbers of federal criminal laws lack specifics, can apply to almost anyone and fail to protect innocents by requiring substantial proof that an accused person acted with actual criminal intent.

Mr. Norris ended up spending almost two years in prison because he didn't have the proper paperwork for some of the many orchids he imported. The orchids were all legal - but Mr. Norris and the overseas shippers who had packaged the flowers had failed to properly navigate the many, often irrational, paperwork requirements the U.S. imposed when it implemented an arcane international treaty's new restrictions on trade in flowers and other flora.

The judge who sentenced Mr. Norris had some advice for him and his wife: "Life sometimes presents us with lemons." Their job was, yes, to "turn lemons into lemonade."

The judge apparently failed to appreciate how difficult it is to run a successful lemonade stand when you're an elderly diabetic with coronary complications, arthritis and Parkinson's disease serving time in a federal penitentiary. If only Mr. Norris had been a Libyan terrorist, maybe some European official at least would have weighed in on his behalf to secure a health-based mercy release.

Krister Evertson, another victim of overcriminalization, told Congress, "What I have experienced in these past years is something that should scare you and all Americans." He's right. Evertson, a small-time entrepreneur and inventor, faced two separate federal prosecutions stemming from his work trying to develop clean-energy fuel cells.

The feds prosecuted Mr. Evertson the first time for failing to put a federally mandated sticker on an otherwise lawful UPS package in which he shipped some of his supplies. A jury acquitted him, so the feds brought new charges. This time they claimed he technically had "abandoned" his fuel-cell materials - something he had no intention of doing - while defending himself against the first charges. Mr. Evertson, too, spent almost two years in federal prison.

As George Washington University law professor Stephen Saltzburg testified at the House hearing, cases like these "illustrate about as well as you can illustrate the overreach of federal criminal law." The Cato Institute's Timothy Lynch, an expert on overcriminalization, called for "a clean line between lawful conduct and unlawful conduct." A person should not be deemed a criminal unless that person "crossed over that line knowing what he or she was doing." Seems like common sense, but apparently it isn't to some federal officials.

Former U.S. Attorney General Richard Thornburgh's testimony captured the essence of the problems that worry so many criminal-law experts. "Those of us concerned about this subject," he testified, "share a common goal - to have criminal statutes that punish actual criminal acts and [that] do not seek to criminalize conduct that is better dealt with by the seeking of regulatory and civil remedies." Only when the conduct is sufficiently wrongful and severe, Mr. Thornburgh said, does it warrant the "stigma, public condemnation and potential deprivation of liberty that go along with [the criminal] sanction."

The Norrises' nightmare began with the search in October 2003. It didn't end until Mr. Norris was released from federal supervision in December 2008. His wife testified, however, that even after he came home, the man she had married was still gone. He was by then 71 years old. Unsurprisingly, serving two years as a federal convict - in addition to the years it took to defend unsuccessfully against the charges - had taken a severe toll on him mentally, emotionally and physically.

These are repressive consequences for an elderly man who made mistakes in a small business. The feds should be ashamed, and Mr. Evertson is right that everyone else should be scared. Far too many federal laws are far too broad.

Mr. Scott and Mr. Gohmert have set the stage for more hearings on why this places far too many Americans at risk of unjust punishment. Members of both parties in Congress should follow their lead.
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Red Hot Product!

Seychelles Company and Mauritius Company Bank Account

This first class set-up is top rated with no strings attached. This company and bank account is for the serious person who requires a top bank offering top service.

In most cases Seychelles companies, that do not require annual tax filing papers, can be opened in 2 to 7 days in your chosen name. We suggest you select three names in order of preference. Be mindful your company name should end with a suffix, i.e. Ltd., Inc. or Corp.

Your bank account will be opened in Mauritius with a world renown and respected bank, with its branch in the MU. NO VISIT to the bank is required!

We recommend a world class bank with a branch located in Mauritius as they open their clients' bank accounts faster and source has a special working relationship with them. Included with this structure is, of course, internet banking and an ATM/Debit card.

As far as the bank account opening is concerned, source normally fills in the application forms and then sends them to you for signatures by the authorized signatories.

Documents Required: Included for Companies, Account Opening, Etc. Statutory Documents :
* Detailed Business Plan including sources and application of funds.
Shareholders
* Identity documents for all ultimate individ-ual shareholders, controlling more than 20% in the company.
Authorised Signatories:
* Certified copy of the extract of a Board Resolution authorising the opening of ac-counts and giving the authority to author-ised signatories for: (i) the operation of the accounts, (ii) the signing of documents.
* Identity documents for all authorised signa-tories.
* A brief resume or CV for each of the bene-ficial owners (holding more than 20% of the capital), giving a clear indication of their profile and source of wealth.
* Notarized copy of a proof of registered address of the company (e.g. a utility bill or other official
* Notarized passport copy signed and stamped by a notary public.

Costs
Your cost for the Seychelles company and bank account is just Eur 1,999. Annual resident fees are (as of this writing,) USD500. If you require a nominee director and nominee shareholder, please add Euro 1,999

To Order To order proceed to our secure on-line order form at https://www.ptshamrock.com/order_bwe.html. We accept remittances via: * Bank to bank wires; MoneyGram and Western Union. Should you have any questions please do not hesitate to ask – email the leprechaun.

Thank you for allowing us the opportunity to service your privacy requirements.

PT Shamrock

"The people never give up their liberties but under some delusion."
- Edmund Burke - 1784
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*** Advisory

9 tips for not getting spied on while traveling
- Ethan Wolff-Mann

Our phones and computers may be relatively secure, but nothing is particularly secure when up against state-sponsored hacking operations. Most companies and organizations have strict rules governing laptops and phones to prevent their data and intellectual property from being stolen or otherwise compromised. Often, they involve a list of countries to which burner devices are encouraged or required.

Corporate espionage is an enormous problem — especially when it's done by other countries. Often, that country is China, and the theft of intellectual property is a major grievance in the current trade war. According to a CNBC survey of CFOs in March, one in five North American companies claim to have had their intellectual property stolen within the past year.

China isn't the only source of trouble, however. There are many countries that engage in corporate cyber espionage – but rather than just simply avoiding travel to countries on the "high-risk" list, cybersecurity professionals would rather you change how you think about your security.

The right way to think about security
The most important thing to do before travel is to think about yourself and your own risk profile, cybersecurity experts Alex Hamerstone of TrustedSec and Michael Rohrs, head of the cyber consulting practice in the Americas for Control Risks told Yahoo Finance.

"What do I have that someone else might want?" is the question that Hamerstone advises people to think about first. "The fact of the matter is a lot of surveillance can be automated, but as far as truly targeting someone, they can't target every single traveler," he said. In other words, a corporate traveler presents a much different risk profile than someone on vacation.

Usually. Sometimes, it's a little more nuanced — you may not realize that you could be a target. For example, if you work for a large company, it might have some sort of intellectual property worth taking. Even if you don't work on something sensitive, one compromised device – your company-issued laptop or smartphone – can be enough to get a cyber foot in the door.

Understanding the country you're going to is key. If you work for a tech company, you might want to be careful going to certain countries with records of IP theft or espionage.

Hamerstone says that a great guideline to follow is: you can't lose what you don't have. "You don't want to travel with devices loaded with information. Don't take your everyday computer; take something different," he said. "Some companies have loaner laptops specifically hardened to go overseas."

The FBI has a list of "critical information" that it recommends people avoid bringing with them: Customer data, employee data, vendor information, pricing strategies, proprietary formulas and processes, technical components and plans, corporate strategies, corporate financial data, phone directories, computer access protocols, computer network design, acquisition strategies, marketing strategies, investment data, negotiation strategies, passwords.

If you're unable to take a loaner device, you can always make a backup and remove things. And since phones can be had for cheap, it's often worth getting a burner. And if you can use a VPN, which extends a private network to a public one, you should.

Important things to consider
Cybersecurity experts first advise people to find out the laws in the place they're going to. Certain countries ban bringing encrypted devices in and out of the country or to specific countries. This can even include the U.S., as "exporting" an encrypted device to certain places could be a violation of U.S. sanctions.

In other countries, tools like encryption and VPNs may be illegal or regulated and could result in harassment from the government in countries like Belarus, Burma, China, Hungary, Iran, Israel, Kazakhstan, Moldova, Morocco, Russia, Saudi Arabia, Tunisia, and Ukraine, according to Texas State University. Even possessing a device that is encrypted poses a travel risk.

One cybersecurity expert said that being detained at the border for no other reason than that would be a "self-inflicted wound."

Some countries are known to systematically monitor all information, like China, Russia, and Belarus. China is especially not shy about mentioning that it systematically monitors communications.

Another way to think about what countries might pose a problem: countries implicated in massive spyware campaigns, like NSO Group, an Israeli company that was mired in scandal for selling its Pegasus spyware technology to authoritarian countries. Mexico used it to spy on cartels, but also for government and industry surveillance, according to the New York Times.

According to Citizen Lab, which is part of the University of Toronto, 45 countries were involved in Pegasus.

9 good guidelines for traveling
Rohr, the cyber expert at Control Risks, a global security company that businesses often consult, provided a handy list of nine guidelines for traveling:

1. Understand the encryption laws in the country you're traveling to. You're subject to local law. (You can ask your IT department, consult a cybersecurity expert, or even try Googling.)
2. The same is true of VPN services.
3. Only take the devices and the info on the devices you feel you absolutely need.
4. Find a balance between security and convenience.
5. Make sure all your apps and operating systems are updated and patched to the extent possible before you travel.
6.Try to avoid downloading new apps or updates to existing apps or operating systems while you're in foreign countries.
7. If you can use a VPN in your country of travel, we recommend it as opposed to relying on infrastructure in your hotel or the airport.
8. Have your devices scanned on your return before you connect them back to trusted home infrastructure like a home or office Wi-Fi.
9. Encrypt your devices — if you're allowed to have encrypted devices. If you leave them in a cab or hotel or airplane, they're be bricked.

A list of countries
Every person will have their own individual list of countries in which they should exercise caution that's separate from the list of 45 countries involved in Pegasus, for example. But a good place to start is with your employer. Often, the IT department has a list and protocol. Another great place: the U.S. government — which spies too — and its websites. Cybersecurity experts recommend looking at countries with sanctions and countries with travel advisories and looking for reported cyber threats.

Often, public institutions like colleges provide lists, unlike the IT department of a company. For example, the IT departments of Stanford and University of Colorado, Boulder have publiclists of "high-risk" countries for anyone to look at that are updated when necessary.
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*** Why Consider Offshore Banking?

The raising of taxes to fund a failing economy, local courts and administrations encouraging a culture of legal actions aimed at asset confiscagtion, the prevalence of divorce, malicious prosecution, and out unstable political world. These political and social factors that you cannot control could effect assets held domestically in your home jurisidicition and all make their own agrument each for relocating assets offshore.

The offshor envirornment, on the other hand, delivers freedom from the above concerns and freedoms from red tape.

Offshore banking with the diverse selction of banks we have on offer, howver, isn't only about protecting assets. Offshore banking also equals access to investment products and opportunities that might not be avsailable from your domestic bank, as well as an effective level of privacy/security usually unheard of "onshore."

In short, doing at least some of one's banking offshore makes financial sense. Isn't it time you tried too?

Just email the leprechaun, give us your requirements and let us know how we can best help with the wide choice of offshore banking options PT Shamrock has available to meet your needs.
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Shamrock's Missive:

The "global policing program."

We've been predicting this for more than 23 years. Now folks, here it is direct from the New York Times - http://www.nytimes.com/2009/10/12/world/europe/12iht-interpol.html?_r=1

This "global policing program" is setup to become the WORLD'S version of the American "Watch List". This list will have tens of thousands of innocent people placed on a worldwide watch list that can result in, extra questions, searches, etc. and of course denial of boarding, not to mention jail.

This is just the first step in this worldwide plan by the Terrocrats to obtain data of millions of travelers a year.

The next step is to place on the database all biometric data, fingerprints, iris scans, and digital pictures from each and every person who obtains a passport; every person that enters and departs one of the sixty plus countries (and growing) signed up for this program with more privacy stealing horrors to follow.

No matter where and how you travel, every time you are or have been scanned, fingerprinted and photographed upon arrival at any airport in the world, the Terrocrats are going to place YOUR information into a database and be able to track you. Worse the Terrocrats around the world will have the ability to access these global databases to determine who they are stopping simply by scanning your passport, your facial features and finger and palm scans.

The question is; What Are You Going To Do About It?

See you next issue

Shamrock

"The people never give up their liberties but under some delusion."
- Edmund Burke, 1784
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*** Letters to the Editor:

Keep them postcards and letters coming' folks, 'cause we
done mailed the rosebushes!

Dear Shamrock,

Greetings ... Thanks for your cutting edge news. And, commitment to maintaining freedom for
the average person. Please send info on "New Debit Card."

Sincerely,

J.

Dear J.,

Many thanks for the kind words. Please find attached details for our new debit card offering.

regards

PT Shamrock
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Quote of the month!

Any US person contemplating wealth preservation and international diversification must understand two U.S. government concepts: income tax and reportable assets. If you hold assets offshore, some are reportable to the government and some are not. And if you make income while overseas, it is all reportable, although some of it is exempt (the first $104,100 for 2018) plus a $14,000 housing allowance). Under Section 911 of the US tax code, the Foreign Earned Income Exclusion for 2018 increases from $102,100 in 2017 to $104,100 in 2018.
- Dr. Charles Freeman, author of the best selling report, "How To Legally Obtain A Second Passport," and offshore consulting guru.
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Dear Friend:

If you like our newsletter please tell your friends and associates about us. They can subscribe *FREE* by sending an e-mail to: ptshamrock@ptshamrock.com

Our pledge!

We never spam our subscribers, never rent or give our subscribers list to anyone, and unlike other newsletters do not accept paid advertisements; And of course, our PT Buzz Newsletter is absolutely free, just packed full of interesting privacy news and information with a tad of humor thrown in for good measure.

We're probably the oldest privacy newsletter on the Internet!

Thank you for your patronage and help in spreading the word.

Shamrock

"The right to privacy is a part of our basic freedoms. Privacy is fundamental to close family ties, competitive free enterprise, the ownership of property, and the exchange of ideas."

PT Shamrock - issue one; 1994
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See you next issue!

"Mehr sein, als scheinen" (German Proverb)
Be more, seem less!

PT Shamrock Limited
Suite #79, 184 Lower Rathmines Road, Rathmines, Dublin D6, Ireland

PT Shamrock Ltd.