Episode Summary
In this episode, Johnny Mueller reflects on his childhood in Chicago, where he grew up in a predominantly white neighborhood with limited exposure to people of color. He discusses how his move to Latin America changed his perspective, particularly after meeting Jewish friends and expats. Johnny also touches on his family's history, including his grandmother's use of the n-word and how this reflects broader societal attitudes. He explains how his radio show in Latin America connected with expats, especially those from New York, many of whom were Jewish and involved in the clothing industry.
Johnny further explores his experiences with Jewish expats in Latin America, particularly those from New York who have established themselves in the region. He explains how he met these individuals through his radio show, where he gave away prizes and hosted quizzes, leading to personal connections. These Jewish expats, many of whom have Latina spouses or partners, have become part of the local community, and Johnny has developed close friendships with them. He highlights the cultural and religious practices of these Jewish Latinas, noting their heritage and how they maintain Jewish traditions. Johnny also discusses the political views of these Jewish expats, particularly their concerns about the U.S. open border policy and its potential for terrorism. He mentions how these exp,ats are worried about the safety of their families in the U.S. and the broader implications of the open border policy. Johnny also touches on the changing political landscape among Jewish communities, noting a shift towards more conservative views, especially regarding gun rights and the Second Amendment.
In another segment, Johnny discusses a congressional testimony regarding a new app that allows non-U.S. citizens without proper documents to schedule appointments to enter the U.S. border. He criticizes the app as a 'concierge service for illegal immigrants' and questions the government's approach to border security. He also mentions a recent article about an insurance company in Ecuador that promised high returns to investors, resulting in a fraud case involving over 700 individuals, including expats. Johnny highlights the suspicious nature of the investment and the lack of regulatory oversight.
Johnny continues the discussion on the risks of high-interest investment schemes in Latin America, particularly in countries with inflationary currencies. He warns that expats and gringos often fall for these schemes, only to suffer in silence when they are burned. He shares a personal anecdote about a Latino businessman who invested in a high-yield scheme and later disappeared, suggesting the investment likely failed. Johnny emphasizes the importance of self-sufficiency, especially in terms of water and energy, and highlights the rising cost of electricity in Ecuador due to drought and reduced power imports from Colombia.
Finally, Johnny discusses the rising cost of electricity in Ecuador, which is one of the top expat retirement destinations. He mentions that the government is planning a public information campaign to encourage citizens to conserve electricity due to potential rolling blackouts. Johnny suggests that expats should consider going off-grid, especially given his background as an electrical engineer and his experience with solar setups. He recommends Signature Solar as a reliable company for complete solar packages, which include everything from solar panels to lithium batteries at a lower cost than Tesla Powerwalls. He also mentions that Signature Solar offers step-by-step installation guides for those who want to install the system themselves. The segment ends with Johnny joking about being the composite of his favorite podcasts, and he invites listeners to reach out for help with their plan B.
Episode Notes
Johnny Mueller dives into his personal journey, exploring how his upbringing in Chicago shaped his understanding of race and identity. He shares stories about his family's history, his connections with Jewish expats in Latin America, and the challenges of expat life. The episode also touches on investment fraud, energy costs, and the importance of self-sufficiency for expats.
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Topics
Johnny's childhood in Chicago and racial exposure, Family history and racial language, Meeting Jewish friends in Latin America, The role of his radio show in connecting expats, Jewish expats in Latin America, Cultural and religious practices of Jewish Latinas, Political views of Jewish communities in the U.S., Open border policy and its implications, Gun rights and the Second Amendment, Border security and immigration policy, Investment fraud and Ponzi schemes, Expatriate experiences and financial risks
Chapters
00:00:00 Opening 00:00:32 Johnny's Opinion on the Middle East War and His Jewish Friends 00:01:42 Johnny's Lack of Exposure to Latino and Black People in His Neighborhood 00:04:22 Johnny's Limited Knowledge of Jewish and Middle Eastern Issues 00:06:06 Introduction to Jewish Expats in Latin America 00:06:44 Johnny's Sponsorships and Connections with Jewish Expats 00:07:37 Johnny's Insights into the Jewish Community in Latin America 00:08:51 Changing Political Views Among Jewish Communities 00:09:54 Concerns About Open Border Policy and Terrorism 00:11:02 Thanking Oscar Miner for Congressional Testimony 00:12:26 The App for Illegal Immigrants 00:13:25 The App as a Concierge Service 00:14:26 Insurance Fraud in Ecuador 00:18:24 High-Interest Investment Schemes in Latin America 00:18:57 A Personal Anecdote About a High-Yield Investment 00:20:06 The Disappearance of a Latino Businessman 00:20:27 The Importance of Self-Sufficiency 00:23:17 Ecuador's Energy Crisis and Rising Electricity Costs 00:24:41 Ecuador's Electricity Crisis and Plan B for Expat Retirees 00:25:29 Signature Solar: A Reliable Company for Complete Solar Packages 00:27:34 Conclusion and Call to Action for Expat Plan B
Transcript
Automatically transcribed from the original recording; names and wording may contain errors.
[00:00] South of the border down Mexico way That's where I fell in love when the stars above came out to play and now as I wonder Hello there all you ex-pad wannabes. I'm Johnny Mueller and you're listening to the expat files living in Latin America The show that tells you just what it's like to live work play and or retire down here in Latin America It's a mix of the good the bad the ugly and the great and it's all right here. So let's get started People have been asking my opinion on this Middle East war thing. I haven't said a thing on this show anyway up till now Funny thing. I've got some Jewish buddies, you know, what a cliche, huh? Some of my best friends are Jews
[00:46] Well that happens to be correct. I don't leave enough until I move to Latin America. I only knew two Jews in my whole life Hey, I mean look I come from a white bread sort of a German Italian Polish neighborhood in Chicago Where in fact, I never saw a black kid walk through my neighborhood till I was probably a senior in high school And of course you long-time listeners have heard me say I went to Catholic school So there weren't any Latinos or black people in my school. I know I know it's different now But back then of course, they could have gone But you know a Catholic school is a private school and you got to pay tuition So I guess most Latino and black parents couldn't afford to send their kids to private school Or maybe some other reason like possibly their neighborhoods were too far away from the school
[01:34] Who knows back then they didn't have children school buses She had to take public transportation or maybe have your parents drive you there. Oh and believe it or not I never saw a single Latino kid in my neighborhood either In fact the first Latino guy that ever came into my neighborhood. I brought him in cuz I was giving him guitar lessons He became a really good friend of mine Johnny Gonzalez Nickname taco and guess what he didn't mind that name at all Though I'll never forget the first time I brought him into the neighborhood and into my house My mother did say after he left. Where'd you meet him? The thing is, you know, my parents never exhibited any kind of prejudice bigotry or racism My mother being a teacher a professor. She wouldn't have it any other way. My mother's question then
[02:21] Where'd you meet him was strictly out of curiosity back then parents wanted to know what kind of kids you were hanging out with Same thing happened when I brought my first black friend home. Name was Gary Reese Once again, my mother said when he left where'd you meet him? Now my 100% German grandma on my mother's side was a different case altogether. I Remember she wasn't all racist or bigoted against them, but I Remember her using the n-word once in a while specifically. I remember her saying something like, you know today I went shopping in some nice blank lady waited on me and I remember my mother scolding her saying mom Don't use that word, but she did once in a while, but not disparagingly
[03:09] It just kind of came out of her mouth in every other way She was a good kind Christian lady, but she was born in 1888 So she'd use the n-word once in a while and every time my mother would scold her now I wonder what she would say if she heard how that word gets used 900 times in every rap song and Every single Hollywood movie where you've got two black guys talking to each other I'm sure grandma would not understand no matter how much you might try to explain it. Hell. I don't get it myself Anyway, like I said, I only met and became really good friends with some Jewish guys and gals when I came down here To Latin America though. I had one Jewish buddy who was in my band for some months He played horn way back when I lived in Chicago back in high school. He played a mean trumpet
[03:55] Nice guy super quiet super studious too, but we never really hung out So I never really got to know him but we used to have band practice in his basement So I got to meet his family and stuff. He had two older brothers really nice guys Kind of wonder what became of him and of course when I was in engineering school in the electronics lab There was a Jewish guy the second Jewish guy I ever got to know he had his lab set up right next to mine Name was Simon Cohen also a really nice guy, but we'd never hung out So I really didn't get to know him outside of school except, you know doing projects in the lab So I was pretty much clueless about the Jews the Middle East the Palestinians the conflicts there In a way just too far removed from my Midwest consciousness, you know So I never gave the Jewish thing much thought then right around the year
[04:43] 2000 when I started doing my syndicated radio show in Latin America You might have heard me mention this for two hours every morning I was the morning gringo drive-by guy in a number of Latin American big-city radio markets And in fact, it was called the shy town Johnny DUI show driving under the influence of Johnny In fact, it was the only English syndicated sort of crazy DJ morning radio show the kind you had up in the States at the time It was the only show of its kind in Latin America. So lots and lots of gringles and expats listened in You know way back when before the internet hit so right off the bat, I'd open up the phone lines and I'd get plenty of calls mostly from American gringo expats living and working in Latin America including gringo expats and gringo military guys
[05:29] Working at the embassies. You see they missed listening to their crazy morning DJs up in the States So that's why they turned into me. Remember, this was before internet streaming here in Latin America So I gave them a little taste of the morning radio. They were missing back home Remember, there's lots of lag time down here that ubiquitous streaming stuff didn't come in till maybe 2008 2010 whereas you guys in the first world started getting it probably in the late 1990s anyway for Approximately eight years 2000 to 2008 I had open lines on my show and I was getting all kinds of expats calling in and a nice Contingent of those listeners were guys from New York who were down in Latin America Owning and operating clothing Makilas, you know, so-called sweatshops almost all of them Jewish
[06:18] Now I used to give out a lot of prizes on that show hotel nights dinners cases of Heineken goals gym memberships dinners at Hooters Because all those guys were my Patro cine doors my sponsors In Spanish if you have a show TV radio, whatever your sponsor is a Patro cine door The root word there being patron or patron Patro cine door I had Hooters Heineken goals gym Harley Davidson and a bunch of restaurants as my Patra cine doors and every day I'd have an on-air quiz and give away something and that's how I met so many of those Jewish guys from New York They'd call in and win and you had to come down to the station to pick up your voucher And a lot of times when they'd come and pick that stuff up
[07:06] It would be when the show was over and they'd ask the secretary if they could meet me and I'd meet him and would Have a coffee or something at the cafeteria. I Got to know a bunch of them that way and then some of those guys who were repeat winners started inviting me to Various events and parties and stuff. I'd meet their girlfriends their wives their kids in time I became pretty good friends with them. They started inviting me to all their gigs I got invited to weddings and quinceaños parties Bob mitzvahs bat mitzvahs their houses their beach houses and through them I sort of got the inside scoop on the whole Jewish community living in and around Latin America There are some real movers and shakers down here One of the things that really struck me early on about him was that these guys from New York pure American New Yorkers, right?
[07:52] They had Latina wives and girlfriends But these Latinas were Jewish Latinas and I mean they looked pure Latina But they were Jewish, you know observe the Sabbath and the rituals go to temple I found out though how that happened was many generations ago Some guy came over from Israel or Russia or the states married a Latina She converted to Judaism and so it began they've all got some white European or American Jewish bud in the family tree When this might shock you two or three of those guys when they introduced me around they'd say hey, did you meet my friend Johnny? He's a Nazi because they knew I was a gringo about a hundred percent of German Extraction they used to laugh their asses off about it, too No subject was taboo with those guys
[08:38] A lot of them were really sharp with the comebacks and a lot of fun So anyway, I'm still keeping in touch with some of those guys and I talked to a few of them lately Concerning Israel and Palestine and they're all really shook up about it Along the way, I learned two things one is you probably heard that most Jewish people are liberal Democrats up in the states, right? Well, that's changing a lot for two reasons reasons I never figured on the Democrats have an anti-gun party They're always trying to restrict and restrict and restrict ultimately banned guns in the states, right? Well guess what my Jewish buddies are telling me there's a huge but not much Spoken about trend in Jewish families up in the states. They're taking shooting courses and arming themselves All of a sudden they love the Second Amendment because they're seeing what's happening around the world now
[09:27] the Jewish people again are becoming the targets of Muslim anger and atrocities they're telling me their Jewish friends and family are not taking this lightly They're gonna defend themselves and with the Democrat aversion to the Second Amendment Well, guess what as much as they might even hate a guy like Trump protecting themselves and their families is more important than anything They might have against him. All right, that's number one and number two My Jewish buddies here in Latin America are telling me they're extremely Pissed at the Democrats and the Biden administration or permitting that open border between the US and Mexico They've all heard the stories that a certain percentage of the people getting through are not Latinos at all But Arab Muslims last count more than a hundred picked up that are on the Muslim terrorist watch list
[10:13] And my Jewish buddies firmly believe the clock's ticking on another big terrorist events or a series of Terrorists attacks in the states in Canada that cannon will be directly linked to the open border policy of the Democrats So anyway, that's what I'm hearing from my Jewish buddies here in Latin America And remember living in Latin America These guys are acutely aware of that border problem and though they live in Latin America and feel really safe down here They're very concerned about their friends and relatives living up in the states and of course in the rest of the world Because as you probably know by now just this week crazy-ass Muslim fanatics on Social media are urging other Muslims around the world to actively get revenge on the Jews So anyway, I just thought you might want to hear what my Jewish buddies here in Latin America are saying about the situation
[11:02] Now on the same page as that I'd like to thank our expat buddy Oscar Miner For sending me the following link to a congressional testimony Regarding that open border problem. This just went down two or three days ago Anyway, Oscar says this is one of the most insane things. I've ever heard only a nation attempting suicide would allow this Turns out and I'll send you this link. Just send me an email the expat files at gmail.com Turns out an app has been created by the US government For illegal aliens to log on and make appointments to enter the country the US without documents The following is the congressional testimony on the subject that just went down quote I'm reading to you from public reports about how your own government app works
[11:50] You rolled out a new phone app called CBP-1 an app for your cell phone. I've got a picture of it behind me here Again me Johnny here. This is the congressional testimony. I'm reading from It goes out to say this phone app allows and I'm gonna quote from your own fact sheet. It allows and I quote non US citizens without appropriate documents for admission to schedule an appointment to come to the border So what does this mean illegal immigrants can now go on their phone and schedule a time to come to the border and then be admitted And then it says and you have identified seven separate border points of entry where they could come in Five of them in Texas two of them in California and one in Arizona. It's like a concierge service for illegal immigrants
[12:42] So he says in this congressional testimony My question is you don't think the border crisis was bad enough that now We're gonna have an app that allows illegals to schedule appointments and come right in and be admitted to this country Senator you're mischaracterizing the use of this application He says those arriving for the CBP-1 appointment are given no interviews Asked no questions about vulnerabilities Read red flags that they may or may not have listed on that app or about why they're coming to the United States They're simply released into the country and quote So rather than building a wall, mr. Secretary you have built ticket master for illegal immigrants
[13:34] Again, this new app is like a concierge service for illegal immigrants All right me Johnny here. I'm so glad I live in Latin America. I Know if I was living back in the States like my Jewish buddies, I'd be all gunned up Hmm does that sound racist? Is it racist to want to defend yourself your family and your property? Well, I guess in some places you can't do that anymore like California, New York, Washington, Chicago You defend yourself and you go to jail So again at the risk of sounding like a broken record. The question is how's your plan be coming? Alright now from the people are stupid file comes an article that just came out today from a quenca Ecuador, you know
[14:19] That's International Living's number one hotspot for retiring gringles and expats, right? title of the article Insurance company steals over 7 million dollars after promising investors 9% a month returns Hmm now, let's see. There's no red flags there when someone offers you 9% returns per month Not year per month. Hey sign me up That's only a little more than a hundred percent return per year. Nothing strange about that Now, let me read a little excerpt from this article now It says at least 700 individuals have suffered losses from their involvement with be why? Excessors des seguros a company which raised funds promising returns of up to 9% a month
[15:06] resulting in a total customer loss of at least Minimum seven million dollars make the case of carina. It says she initially believed By SSR is the seguros to be a reliable investment. They had promotions all over social media However, now she deeply regrets taking out a loan to invest $11,000 in the company. She is one of 700 investors Including expat gringos who put their money into this insurance brokerage firm Which was not authorized to solicit funds or offer investment returns The question is how would you know that? Oh and get this it says as a result of not having received Promised profits nor being able to withdraw their initial investments around a hundred individuals filed a complaint with the prosecutor
[15:52] General's office against the insurance company and its manager Bruno Yennesely garado alleging fraud and unauthorized fund collection in addition 600 other injured parties Have submitted written complaints. Oh and it says by the way, there was a minimum investment requirement of 10 grand Which is why I suppose so many gringos jumped in That says the first official round of complaints were submitted on October 10th 2023. What about two weeks ago, right? Meanwhile immigration and the Ministry of Foreign Affairs and human mobility, whatever that is reported that mr Yennesely garido left the country for the United States on October 6th 2023 four days before the complaints were filed
[16:38] Then it says the company's headquarters Located in northern keto has been closed since Friday October 6th With no employees reporting for duty and attempts to contact the company's phone numbers Redirect you to a recording on an answering machine by the way It says the money manager Ghana Sally garido who fled to the United States Previously appeared on television and social media sites discussing investments It says further investigation of the company's social media sites shows employees at expensive excessive outings So then you might ask when you're investing so much at $10,000 minimum Wouldn't you ask how is that 9% a month being generated? Well, according to their social media sites where most people get their info these days
[17:26] The company claimed these returns were generated by astute investments in publicly traded companies Blah blah blah that goes on from there more the same The thing is anyone with half a brain can see it was a typical boilerplate Ponzi scheme come on. They're offering 9% a month even 5% or 2% a month is Way beyond any kind of normal rate of return in any investment environment In fact, you've heard me say on this show many times before there are some Outrageous rates of return in real banks and credit units down here. For example, just today I saw an ad for a bank actually a bunch of banks in Ecuador offering a 10.25% annual rate of return CD in dollars and even that to everyone living up in the United States seems too good to be true
[18:14] Cuz you could never get that rate not even half that rate in a bank in the States In fact down here in Latin America There are lots and lots of banks and credit unions that offer 10% interest per year That is for a CD and even more 15 20 even 25% in their local funny money The thing is they have to offer those high rates because their local funny money is even more inflationary than the inflationary US dollar Anyway, lots of gringos and expats have been sucked in on these high interest rate schemes like the one just mentioned But you know when gringos and expats get burned like that. They generally shut their mouths. They keep quiet about it They suffer in silence because they don't want to look like fools in front of their friends Now you long-time listeners might remember probably around a year and a half two years ago now
[19:02] I told a little story about when I was sitting with my friend Exed corrupt Boston cop Bob and 30 something Latino businessman the Latino guy was trying to convince Bob and I To put some dough into some kind of investment scheme. He was in he said he put five or ten grand in I can't remember the number but he was getting something like 15 percent interest a month and I told him man I'd never invest in that you better get your money out right now while you're ahead and he just laughed and said Are you nuts been cleaning up for three months now? I said you should at least pull out your initial investment if it goes bust at least you're even surprise surprise he said no, I just roll it over that way it builds up so much faster and Boston Bob and I just looked at each other and rolled our eyes now. I've seen ex-cop Bob many times since then
[19:54] Though the other guy the Latino guy. I haven't seen him since Bob says he hasn't either He's wondering what became of him. I was thinking whatever it is. It can't be good By the way follow up on that last story the guy that ran to the states with that seven million bucks was last Reportedly seen guess where? my jammy Don't you hate when that happens? Oh and one more thing. I'm looking at this Ecuador newsfeed now This might not mean much to you at all, but yeah better pay attention You guys know I'm always pushing people to get the hell off the grid You know get independent as much as you can anyway. It's not hard. You can take baby steps There are lots of ways to do that for one
[20:40] Purify your own water and have your own water supply or secondary water supply anyway You know no matter where you live unless you're in a residential tower You can collect your own rainwater here in Latin America. In fact when I built my last house in Guatemala I made it so that the entire roof of the garage Was pitched and drained so that all the rainwater if I wanted it to by pulling a lever Would fill up my five thousand gallon cistern that I had Constructed under the cement garage car slab, and you know what I always kept that thing filled five thousand gallons think about it They say you know the average American uses around a hundred gallons of water a day Or more that means a five thousand gallon tank will last the average single person who uses
[21:28] gluttonous amount like an American 50 days you longtime listeners might remember that other statistic that the average Latin American Uses about 20 to 25 gallons of water a day now. We're not talking about poor Latin Americans We're talking about middle-class Latin Americans So if you've got a five thousand gallon cistern and use water like the average Latin American You're good for what's that 200 days. Hell. That's more than a half a year. Oh And by the way in all that time, I was living in that house ten years or so I only tapped in to use that water and that cistern probably five or six days in ten years That's because our subdivision had our own. Well our own poso. We weren't on municipal water, which as you know
[22:13] It might be only available eight or ten or twelve hours a day Anyway, the point is once you get down here to Latin America You should try as much as you can to get self-sufficient now if you rent It's a little tougher to do because if you do improvements, you'll be improving someone else's land and house But if you're buying or building man, that's the way to go For one, there's so much sun down here in Latin America If you don't go solar or at least partially solar then it's my opinion anyway that you've got half your brain switched off It's so damn cheap and easy even for ten grand I mean ten grand seems like a lot right? but what if I told you for ten grand you could work it so that you'll never have an electric pill again and Never pay for gas again either because you able to power an electric car better yet electric cars are getting really cheap now
[23:02] Too seems like most car companies have a starter model for around twenty to twenty five K But you knew that already right you've seen Evie prices in the news The point is I'm looking at this Ecuador newsfeed and it says get this Ecuador's energy ministry today has declared a national emergency for the country's electrical system a move that Allows it to impose service blackouts if necessary say what they're announcing service blackouts Well, listen to this. It says the move was required said the electric ministry following a decision made by neighboring Colombia who have decided to reduce electrical power sales to Ecuador It goes on to say the Columbia Electric Authority notified Ecuador earlier this week
[23:48] They will no longer sell electricity produced in its hydroelectric facilities due to drought conditions They will only sell Ecuador power from gas and oil generation plants Which will make electricity in Ecuador much more costly In fact, it says according to the electric corporation of Ecuador the cost per kilowatt hour Will rise from 30 cents a kilowatt hour to 57 cents a kilowatt hour Did you know that's three or four times as much as the average American pays for a kilowatt hour of electricity in the US? You've heard me say this before electricity is one of the only things besides imported electronics That's proportionally way more expensive than what you'd pay for it up in the States Anyway, the article concludes by saying the government is going to roll out a public information campaign urging
[24:36] Citizens to conserve electricity because there will be rolling blackouts So it says plan for electric blackouts later this year and in 2024. Are you getting this talk about Ecuador now? Which is one of the number one expat retirement destinations in the world according to International Living, right? To me that just means it's time to start thinking about getting partially at least off the grid You know me at least you long-time listeners kind of know me and you know in a past life I was an electrical engineer and that I've had many solar setups myself and I'm keeping up with the latest and greatest technologies quite religiously Well, my latest find in my best go-to company for complete solar packages that you can put together yourself If you got a little do-it-yourself or experience or you could have someone else assemble it for ya
[25:23] Anyway, my go-to company and it's been that way for a year or so now is signature solar It's called signature solar finally a trustworthy US company. That's got complete off the grid and bond grid and grid tie solar packages You can order that are complete. Everything's included in the package the inverters the solar panels the mounting systems the wiring Lithium battery packs equal or better than Tesla powerwalls for half even less than half the price So for 20 grand or less, you can get the equivalent of a 40 or 50 thousand dollar Tesla system That will not only supply a hundred percent of the electricity to your house Even a big house up in the States and power and electric car as well The thing is for the past few years
[26:08] Tesla Powerwall has been the industry standard and there have been all kinds of competitors Trying to put out the same or better systems and some of these competitive systems have done just that at half the price or less Anyway, that's my go-to company. And if I was putting in a complete solar system today I know exactly the one I would order from signature solar By the way, they've got a complete systems from five grand on up and I mean complete systems. Everything's included now once again I don't make a thing for promoting them. I'm just saying I'm really into it You know solar power and solar power accessories are sort of my hobby. So just trust me on this by the way They've even got step-by-step installation videos So if you order a system have it delivered you're handy and want to take a crack at installing it yourself
[26:54] It's all there and spelled out for you step-by-step Alright, we're getting to the end of the show now, you know, I was talking to expat Eddie the other day He said remember that old saying that cliche that you are the composite of your five best friends kind of scary, huh? Well, I said Eddie what if you're like me and you don't have five best friends only one or two and even they may not like Your company all that much. He said well Johnny in that case, I guess then you're the composite of your five favorite podcasts Good answer Eddie though. That means all you guys and gals out there who religiously listen to this show. Well, you're in big trouble You've been listening to the expat files living in Latin America If you need some help with your own plan B
[27:40] We can schedule a one-on-one phone or Skype consult Just send me an email the expat files at gmail.com And if you want to get on the waiting list for my next week long expat insider seminar in Central America Where you're guaranteed to get a two to five year head start on your plan B Send me an email the expat files at gmail.com