The Consumer Price Indexes
(CPI) program of the US Department of Labor produces monthly data on changes in the prices paid by urban consumers for a representative basket of goods and services in the United States. Tracking the CPI data began in 1913 and by 1983, inflation had reached 100%. Therefore, today most all data is calculated using
a 1983 base of 100. For example, a CPI of 215.3 in 2009 indicates 115.3% inflation since 1983. Below is the inflation calculator based on data provided by the U.S. Department of Labor Bureau of Labor Statistics showing inflation during the past decade:

CPI Inflation Calculator
If in 1998 (enter year) I purchased an item for $ 100 then in 2008 (enter year) that same item would cost: $132.09 Rate of inflation change: 32.1%

The above calculator shows that if you put $100 under your mattress ten years ago it, through the inflation of goods and services during the past decade, it would be worth $76 ($100/1.32) today, i.e., worth 76% of its original value or a loss of 24% in terms of 1998 purchasing power.

In order to hedge against inflation, many advisors suggest that you buy various commodities, oil and gas, foreign dollars, Real Estate Investment Trusts (REITS), Treasury Inflation-Protected Securities (TIPS), gold, and silver, etc. All of these investment vehicles are now available through Exchange Traded Funds (ETF?s) where you don?t have to take physical possession of the commodities; for relatively small investments, gold and silver in the form of bullion or coins is readily available and simple to purchase and hold. All of these forms of hedges against inflation can be excellent, however for the purpose of this article, we?ll concentrate on silver.

Silver has always been one of Mexico?s major export materials; in fact, until just a few years ago, Mexico was the largest producer and exporter of silver in the world. Let?s assume ten years ago, instead of putting your $100 under the mattress, you bought $100 worth of silver selling at approximately $5.50/ounce. Today, at $16.65/ounce, you can sell your silver and enjoy a gain of more than 200%, i.e., your $100 investment is now worth $303 resulting in a 1999 purchasing power of $230 (76% of $303); not bad! If you?re concerned that the recent increase in silver prices is only a temporary spike, it should be known that silver was selling at $20/ounce in 1981 and when the Hunt brothers were speculating in 1980, it was driven up to over $50/ounce; now that was a spike! The last time silver was selling for $16.65/ounce was in 1981. Taking the CPI inflation index of 2.37 (1981 to 2009) into consideration, $16.65/ounce in 1981 was equivalent to almost $40/ounce (2.37 X $16.65) in today?s money and therefore it?s not too difficult to imagine a much further increase in silver prices! This logic is further reinforced when you take into consideration the weakening dollar forecasted for the near future. (see the ten year silver price graph below)

The world?s leading miner and producer of silver is the Pan American Silver Corp. (PAAS), headquartered in Vancouver, B.C. This publically traded company has silver mines throughout Latin America with a couple of its largest mines in Mexico. In fact, one of these two mines is their only open pit mine and the other huge Mexican mine, located north east of Puerto Vallarta, has been producing the purest silver of all their mines since 1929. The graph below reveals the PAAS stock performance during the past ten years.

Next, let?s analyze the performance of the US stock market during the same ten year time frame. If your $100 had been invested in SPY, the S&P 500 ETF, it would be worth 80 dollars today per the graph below. Let?s take it a step further and adjust for inflation; that $80 would have only $61 (76% of $80) of 1999 purchasing power. Yes, that?s correct; if you were invested in the US stock market and your return was better than average, you?ve lost almost 40% of the purchasing power that you had ten years ago!

Now, let?s compare the ten year performance of the Mexican stock market (Bolsa) to the US stock market. If you had purchased EWW, the ETF basket of Mexican stocks, in 1999, you would have realized a 150% gain and your initial investment would now be valued at $250, with a 1999 purchasing power of $190 (76% of $250); pretty decent, especially when you compare it to the $61 left from investing in the SPY?s!
Review the graph below and you?ll immediately see how much the ETF basket of Mexican stocks (EWW) and the Pan American Silver Corp. (PAAS) stock had appreciated in value through 2007 and then fell precipitously in the second half of 2008. More importantly, you can see how both are recovering beautifully as the world recovers from the global recession. Comparing both of these Mexico related stocks to the SPY?s; you may never again want to invest your $100 in a US related stock! Assuming that the global economy continues its gradual recovery, it seems quite apparent from extrapolating the curves below that Mexican stocks and silver are very attractive areas for investing a portion of your portfolio at this time. It?s amazing to see how closely the EWW and the PAAS stock prices have correlated over the past decade!

Finally, let?s look at Mexican real estate. Along the prime region of the Mexican Riviera, property values have tripled from 1999 to 2008 (we don?t have any empirical data but after being invested in the real estate market in Puerto Vallarta for more than a quarter of a century, we can state it as a fact; some properties have quadrupled in value!), after which they have remained flat to perhaps dropping by as much as 20%. Therefore, a real estate investment of $100 in 1999 was worth about $300 in 2008. Assuming a depreciation of $60 (20% of $300) over the past 18 months, it?s now worth $240. In terms of 1999 purchasing power, it?s worth $182 (76% of $240); about the same as EWW and PAAS, not as much as silver, but a whole lot more fun than owning either! When comparing these facts and figures to the $61 of 1999 purchasing power remaining from the $100 invested in the SPY?s, it?s truly disheartening to think of those of you that were fully invested through IRA?s or 401k?s during the past decade. Fortunately, it?s not too late to recoup your losses; in fact, the time could never be better!

The recent drop in Mexican real estate values was caused mainly by the global recession; however, the recent border town drug cartel war news (1,200 miles between Puerto Vallarta and Juarez!) and the swine flu scare (three confirmed cases in Puerto Vallarta!) contributed significantly to the local real estate recession. The border town drug cartel war and the swine flu scare effects will vanish over time and in all probability, the property values will soon recover to their 2008 highs. Unlike the 20% property value drop in the US, there are virtually no foreclosures dragging down the housing values in Mexico. The housing crisis in the US will probably continue for a couple more years resulting in further erosion of home values by an additional 10-20%. Currently, millions of Real Estate Owned (REO-lender owned) properties exist in the US but you won?t find any in Mexico!

In summarizing, $100 placed under the mattress ten years ago has a 1999 value of $76 today, $61 if in the S&P 500 SPY?s, $230 if in silver, $190 if in the Mexican EWW fund, $185 if in the silver company PAAS, and $182 if in Mexican real estate. So, here we are in 2009; the question is where best to invest your remaining money after the fiasco of the past decade? With real estate prices 20% off recent highs, long term mortgages of 50% (or more) available in Mexico, and many developers willing to short term finance up to 50%, there has never been a better time to invest in Mexican real estate.

Why hesitate; isn?t it about time that you at least consider making an investment decision totally contrary to those recommendations that you?ve been receiving from your personal financial ?guru? that have cost you 40% of your life?s savings? Come on down and retire in Mexico; maybe you?ll even want to buy a bag full of Mexican Libertads or dabble in the Mexican Bolsa through a vehicle such as the EWW fund while enjoying retirement to its fullest! Who knows; as you?re relaxing in your beach front condo on the Mexican Riviera, perhaps your investments in Mexico will gain enough over the next couple of years to recover what you?ve lost during the past decade!
By: Jim Scherrer http://www.PVREBA.com

If you are looking to invest in realestate I have 2 condos available
Plaza Marina condo http://www.puerto-vallarta-rentals.com/plazamarina53a/
and Plaza Marina Condo http://www.puerto-vallarta-rentals.com/plazamarina35/

Various international insurance plans have been designed for missionaries who travel outside their home country for work. Since comprehensive health coverage benefits are not provided by most of the health insurance plans which offer domestic coverage in their home country, the missionaries need to necessarily purchase an international insurance plan while they travel overseas.

The missionary insurance plans designed for the missionaries provide worldwide coverage for both US and non US citizens traveling outside their homeland. There are plans that are available for a period as little as 10 days and for up to a maximum of 2 years. For longer periods of time, there are international insurance plans that provide year long coverage.

Most long term international insurance policies restrict the amount of time spent in the US. However there are a few specific insurance plans that are tailored to the needs of missionaries and their families, and do not have this restriction.

International insurance offers a wide range of medical coverage benefits which includes doctor office visits, intensive medical care, local transport in the ambulance to the nearest medical set-up during emergencies, treatment of dental injuries which occur during the accident, emergency illness treatment with or without hospitalization, emergency evacuation, repatriation and reunion, accidental death benefits and return of mortal remains back to the home country.

Long term missionary insurance plans might cover pre-existing conditions, wellness and maternity after a waiting period. Missionaries can avail additional coverage for adventure or leisure sports also.

Short term coverage becomes effective once your insurance provider receives the completed application form and the initial payment and then you depart from your homeland. Otherwise, it starts on the date mentioned in the application form. Long term international medical insurance plans require a medical questionnaire to be filled out while applying and coverage begins only after the application gets approved.

The validity of the international insurance policy ends on the date requested in the application form or the expiry date of the policy or upon the return of the insured back to the home country, whichever occurs earlier.

Short term international insurance plans can be renewed on a daily increment basis or a monthly basis and the request can be submitted as an application form or completed online. However, if the renewal period is less than one month, you have to submit the request online only and you would be charged a nominal processing fee. Yearly plans can be renewed for as long as the insured continues to remain eligible for the plan.

Round trip travel cancellation insurance policy is generally purchased while individuals plan for holidays or cruise vacations. It offers a wide range of benefits that include trip cancellation, interruption or delay, repatriation or emergency medical evacuation, any other emergency assistance for medical reasons and loss of baggage or personal belongings.

Hence, every individual who buy this round trip cancellation insurance policy can have a worry-free travel as emergencies such as loss of baggage, accident or sickness is taken care. You can insure your non-refundable trips so that you can obtain a refund for the money spent for non refundable expenses in case your trip gets cancelled due to unforeseen circumstances.

Round Trip Choice travel insurance plan offers additional benefits for travellers looking for additional coverage amounts. The insured can also claim for non-refundable travel tickets expenses by opting for the cancel for any reason benefit.

Round trip travel cancellation insurance can be purchased by residents of United States or individuals looking for beneficial travel health insurance coverage within the United States. Dependants can also be covered under this medical insurance plan in case they are less than 19 years of age.

The maximum duration of this insurance policy is 30 days unless additional days are purchased. In order to be eligible for the trip cancellation benefit, the insured needs to cover the entire trip including the cost of airfare. In any case, the reimbursed amount would never exceed what you have initially paid for the trip.

The event cancellation insurance plan becomes effective on the midnight of the submission of enrollment either by mail, paper application or fax along with the first payment. The insured are eligible for most of the benefits right from the effective start date.

Some of the benefits that you become eligible immediately after completing the enrollment include trip cancellation services, emergency assistance and cancel for any reason (optional).

Other optional coverage such as missed flight connection or trip delay reimbursement becomes eligible during the to and fro of your covered trip. Collision damage waiver starts on the day of your departure and is valid for 30 days (unless additional days are purchased) after the event cancellation insurance plan becomes effective or when the covered trip ends (whichever event occurs first).