Every Government wants foreign investment. No Government wants their citizens to be foreign investors in another country. Most Governments have stringent currency and other restrictions to ensure wealth of their nation remains within country's borders.

History teaches middle-class that putting all your wealth in any one country is always a mistake. My middle-class grandparents had to flee Ireland without a dime. My wife's upper middle-class grandparents had to flee Mexico, without a dime. In 1920s, Lenin executed five million lower middle-class farmers (Kulaks). In 1940s, Hitler murdered six million middle-class Jews. Stalin murdered several million communists in 1930s as well as middle class from Ukraine to Poland. Today, middle-class Chinese community is at risk in many Asian countries.

Look into your family history, you will find one or more examples of ancestors who faced execution or relocation in past two hundred years. Read a modern history book about your country. You'll find scores of examples of groups who emigrated beyond your borders or who were executed. I can guarantee you that History will repeat itself in next one hundred years. Some of your heirs won't be living in whatever country you may reside in today. If you fail to plan for this recurrent historical event, you will force your heirs to relive past History.

If you move twenty percent of your net assets offshore in next two years, by year 2040, you will have one-third more wealth offshore than in your native country. And this assumes that you will earn same return on investment with both sets of assets. The reason is that your offshore assets won't be subject to income taxes. And, it is nearly impossible to use Courts in any country to recover assets beyond that country's borders.

Guidelines for negotiating car price can be found elsewhere, but we want to share some helpful tips on getting that vehicle financed at best rates and terms for you.

The first step is to make sure that you negotiate car's price separate from vehicle financing arrangements. Most dealers want to lump it all together because they can hide quite a bit of actual price of vehicle in loan contract, and they will usually just try to meet a monthly payment figure that you can live with rather than disclose all details about loan.

So your work actually should begin before you ever visit dealer lot. Try to determine beforehand what vehicle(s) you are interested in buying and become familiar with average cost for that vehicle, either online or locally. Then make sure that it will fit your budget. Most financial experts recommend that you shouldn't spend more than 10% of your monthly income on vehicle costs, including loan, gas, repairs, insurance, etc.

Since you now know price that you want to pay, you need to find out what loan will cost, so visit some auto loan websites and/or local banks, and apply for an auto loan. See what rates and terms they offer you. Much of that will be determined by your credit history. If you can get pre-approved for a loan, all better.