Income Investing Secrets Ebook

Income Investing Secrets

This Alton Illinois Widow and Grandmother of Two is Cashing Ever-Growing Checks, Enjoying a Secure Retirement and Living the Good Life . . .
Just as She has Thru Every Bear Market, Stock Crash and Investing Fad Since 1955 -- Humiliating the Wall Street Pros --

Stock market writers have taught you that investing is finding stocks that go up, and then selling them -- or having mutual funds do that for you.

That's how we're brainwashed to think. Your broker assumes this. Financial analysts assume this. The talking heads on TV assume this.

They ignore the alternative -- investing for income.

In March 2009, the stock market was down to a level it first broke in 1997. That means that people who invest for capital gains have wasted the past nearly 12 years.

People who counted on stock prices going up have had to delay their retirements (or actually go back to work). Young people are wondering whether they should contribute to IRAs or 401(k) plans.

Yet investing for income is simple, easy, lots more fun (if you enjoy receiving money you haven't worked for) -- and, if you do it the way I show you, a lot less risky.

Just think -- once you set up your accounts, you grow rich the "lazy" way -- it's automatic.

If you're investing for financial freedom and a secure retirement, you really want an ever-growing income from investments so you will always be able to buy everything you want.

And it feels SOoooo good to know you can have that WITHOUT selling off your investments -- which makes you pay capital gains taxes to Uncle Sam and increases your risk of selling in bear markets (such as the current one) and eventually of running out of investments to sell.

Whatever Major Bank, Corporation, Insurance Company or Semi-Government Agency Needs Your Tax Dollars Next, You Can Assure Yourself of an Ever-Growing Income the Rest of Your Life

The world and the markets keep changing, but people's basic needs have stayed the same since we lived in caves. Clearly, if you want a secure income you can depend on, you want to invest your money so it'll help supply people with those fundamentals: food and shelter. Water and fire.

McDonald's and Pepsi-Cola. Apartments and houses. Water and electric utility companies.

People are always going to buy basic products. A recession, even a world financial crash, can certainly slow -- but NOT stop -- their sales. Obviously seven billion people around the world will want to continue to fill their bellies and sleep under a roof at night. That's the safest bet going.

You want to invest safely, because 82 million American baby boomers are going to retire in the coming years. (The first one filed her Social Security retirement claim in October 2007.)

Many experts predicted this was going to depress the financial markets -- and 2008 was only the first year! What's going to happen next?

I don't know. But income investments based on basic human needs will continue to send out checks. That's all I need to know and care about.

Why Everybody's Wrong about Investing in Growth Stocks

Yes, sometimes the market prices of "growth" stocks do go up -- but you can't profit from those price rises unless you sell the stock, and then you don't have it anymore, and therefore you lose out on all future price increases. (Plus, you must cut Uncle Sam in on your good luck by paying capital gains taxes (which President Obama promised to raise!).)

Yet brokers (who make a commission when we sell stocks), mutual fund managers (who charge hefty fees for running up your tax bill) and the talking heads on TV (who'd bother to watch these shows if they didn't care whether the market went up or down?) all encourage us to buy investments for growth. Hey, "value" (or "contrarian") investing is really just another way of choosing stocks you hope will grow more quickly than the market.

Wall Street wants you to keep buying and selling so they keep raking in commissions and fees. They know that trading makes you a loser -- the market is just too efficient to beat

Mutual fund managers want you to keep sending your money to them. They make millions by trying to convince you that they're better stock pickers than you can be. The truth is, their track records -- documented by hundreds of academic studies -- are worse than throwing darts at a newspaper . . . and they jack up your income tax bill.

But you may ask, won't you have to pay taxes on your income from investments? Unfortunately, that's true . . . but here's the difference --

What They Don't Tell You About Capital Gains

When you sell a security and pay capital gains taxes on the profit (assuming you have one, which -- these days -- is a BIG assumption), you NO LONGER HAVE THAT SECURITY.. You just "ate your seed corn." You've just dumped your financial future -- and reduced your investment capital.

When you pay taxes on dividends and interest, you still have the underlying security! It'll keep on sending you more checks. You haven't touched your investment capital.

A few voices of Wall Street sanity do urge you to "buy and hold" -- but they forget to tell you that you can buy and hold -- and also receive regular checks!

Why Chase After "Growth" Stocks That Don't Put Cash Back Into Your Pocket? Invest in the Basic Needs of People and You Too Can Be Financially Secure -- So Long as People Turn on Electric Lights and Live in Houses and Apartments

Look, I'm just an another guy with a job I have to go to every day to pay my bills. I don't have tons of money. My broker doesn't call me up to offer me the latest IPO deal. Yet I want to retire in comfort and enjoy a few of the luxuries I've earned. And I know I can't depend on an always-rising Dow Jones Industrial Average to make that happen for me. I don't know when the next bull market will come.

So I have spent years studying investing and trading, hoping to find a way to "get rich quick."

I tried many things -- buying options, buying "growth" stocks, putting on commodity option spreads, gold, silver, currencies, index funds . . . if a trade had a 90% success rate, I'd put it on just before the world financial markets nearly melted down.

I failed to get rich, quick or slow. Yet, one day recently I had a revelation -- one of those "things I learned in kindergarten but didn't think they applied in adult life" sudden insights.

You can't have your cake and eat too!

That is -- when you buy stocks for "growth," you can't put actual cash into your pocket until you sell the stock.

And then you don't participate in its future growth, which is why the most honest investment advisors, such as Warren Buffett, advise you to never sell.

But if you never sell growth stocks, you never put cash back into your pocket!

It's a Catch-22 only your broker (because they get paid commissions whenever you buy and sell), mutual fund managers (because most people send their money to mutual funds to avoid thinking about this very problem) and the IRS (because you owe them capital gains taxes) can win.

Besides, I couldn't help but notice that Warren Buffett himself likes cash-rich businesses such as insurance companies (Geico) and companies that pay dividends (Coca-Cola).

Clearly, the big shots know that "Cash is King."

Not only that, I've learned enough about modern research by financial scientists to know that the markets are nearly unbeatable. I hate the word "efficient" -- but they ARE unpredictable.

So I began learning all I could about stocks that pay dividends, bonds, preferred stock and so on. I learned that there're many more income-paying investments than I'd ever heard of -- some of them paying out terrific yields to their investors.

After I began my research into investing for income, I was helping my mother organize her paperwork, and she showed me the original notebook where Grandpa wrote down the stocks he bought for her with the life insurance money from my father's death.

As I looked through it, I wanted to slap myself silly! The secret to successful investing had been under my very nose all along, but I'd been too busy reading all the books by "experts" to realize . . .

In 1955 my Grandpa put together a top-notch income portfolio for my mother!

Thanks to him, my sister Nancy and I had food to eat and clothes to wear.

All I had to do was follow his lead, update it for the modern financial world, and organize it into a system anyone can easily learn and follow.

"My Broker Keeps Telling Me About Stocks He Says Will Grow a Lot in 20 Years. I Tell Him, I Won't Be Around in 20 Years."

I hope my mother's wrong about that . . . and I don't want you to invest with the expectation you're going to die any time soon -- but the truth is, it does only make sense for people of all ages to benefit from your investments RIGHT NOW, instead of waiting 1, 5, 10, 20 or more years.

The official Wall Street line is that companies that don't pay dividends use that cash to grow their businesses, so their stock prices will go up further and faster in the future than stodgy, boring, dull companies that actually treat their shareholders as partners in the success of their businesses.

That's a logical theory -- but real life results tell a different story.

Arnott and Arness studied the relationship between dividend payouts and corporate prices for the years 1871 to 2001 and reported on their results in FINANCIAL ANALYSTS JOURNAL. They found that corporate profits rose fastest in decades following the highest dividend payouts, and were lowest in the years following the lowest dividend payouts.

So much for the "keeping cash makes a company grow faster" argument.

When I Learned that Brokers and Financial Advisors Don't Tell Clients the Truth About Income Investments, I was Madder Than a Swarm of Hornets!

The historical record shows that dividend-paying companies are the best long-term investments . . . growth stocks are only better during manias, and then only if you sell out before the bubble bursts

From 2000-2002, the S&P 500 stocks that didn't pay dividends fell 33.19%. S&P 500 stocks that paid dividends ROSE 10.4%. That 3-year bear market just SLOWED the dividend paying stocks. And don't forget, those shareholders still received their quarterly dividend checks!

Since 1926, dividends have made up 42% of the total return of the S&P 500. If you invested $1000 in the S&P 500 in 1926 and reinvested dividends, you'd now have $3,326,000 -- but if you didn't reinvest dividends, you'd have only $117,590. That means that the S&P 500 stocks that didn't pay any dividends had pretty punk "growth" compared to reinvesting in the companies that did pay dividends.

Just because you can't reinvest dividends if the company doesn't pay any.

The Mergent large cap index of dividend paying stocks outperformed the S&P 500 from 1993 to 2002 by an average of 1.5% per year. That doesn't sound like a lot, and for one year it's not, but when you compound that over several decades, by the time you retire it adds up to a tremendous difference.

From 12/31/74 to August 31, 2004 large, dividend paying stocks had total returns of 14.43%. Large growth stocks returned only 12.28%.

Paying Dividends Means that Company Officers are Doing a Good Job Managing Cash Flow

Thanks to Enron, Tyco, Global Crossing and other corporate scandals, we now know that the "earnings" that companies report can be accounting manipulations. Just numbers that have been gimmicked to look good. But guess what -- dividend checks have to be backed by cold, hard cash in the company's bank account.

None of the big name corporate criminals paid any dividends worth writing about (Tyco did make a one-time token dividend payment of 1 penny per share).

If you bought only the best dividend-paying stocks, you would not have lost money to accounting scandals

During the bear markets of 1901-1921, 1929-1954 and 1966-1981 the ONLY benefit from owning stocks was dividends. During those periods, there was NO overall stock market price appreciation! That's 61 years out of the entire 20th century.

61% of the time, you either received dividends . . . or diddly.

As I write this in mid-2008, the Dow is only slightly above its 1999 peak. The Wall Street Journal pointed out that the broad stock market has been the worst performing type of investment, calling the last nine years a "lost decade."

Nobody knows when the market is going to pick up steam again.

Obviously, depending on "growth" stocks to grow is for suckers, even in bull markets, but especially in hard and uncertain markets like right now.

What if you want to retire now, or just as another such prolonged bear market gets started? If you depend on the conventional advice to sell off your portfolio piece by piece, you'll get low prices. That means you'll have to sell off more shares than you planned on, just to pay your bills. How long of a bear market could your portfolio survive?

Remember, this century started off with a brutal bear market, from 2000-2002. We're in another ferocious bear market now. It won't be the last.

Thanks to the world financial crisis triggered by the subprime mortgage mess in the U.S. housing market, the rising cost of energy, the increased cost of commodities, the skyrocketing prices of food, the sinking of the U.S. dollar, the continuing war on terror, the need to raise taxes to pay for the bailout and stimulus packages, and the looming retirement of baby boomers who will drain Social Security and Medicare -- not to mention selling off their stocks and bonds to fund their needs in old age . . .

. . . the outlook for the stock market going up anytime in the near or even mid-future looks bleak.

What Can You Do Now to Protect Yourself?

Ignore any collapse in the market prices of your investments.

Say what!

Look, previous generations didn't buy and sell, buy and sell, buy and sell, in a crazy attempt to beat the market. Whether cigar-smoking penthouse capitalists or threadbare widows, they made protecting principal the cardinal rule of investing.

That's the background my grandfather had when he invested for my mother.

People in the past spent income when they had to, but they knew that if they sold the stocks and bonds they owned, they were like a farmer eating his seed corn or the fairy tale couple who killed the goose that laid the golden eggs. Previous generations knew that if they ate their "cake," it was gone.

Here's some of the stocks Grandpa chose for Mom:

• Midwest Piping
• American Investment Company of Illinois
• Wrigley Gum
• Black and Decker
• Ralston Purina
• R.J. Reynolds Tobacco
• Stix, Baer and Fuller
• Stokely Van Camp
• Borden
• Hershey
• Guaranty Trust Company
• J.C. Penney
• Phelps Dodge
• AT&T

Notice how boring this list is, even for 1955. Chewing gum, industrial pipes, financial services, cigarettes, chocolate, and that all-time favorite -- hog mash.

My grandfather did NOT buy IBM, even though he was seeing the introduction of mainframe computers and, as an executive for an international corporation, must have known how important they would be to modern businesses.

No, he put my mother's money in the "Old Reliables" . . . not computers -- pork and beans!

AT&T was as high-tech as he went, but back then that was a regulated utility, and it met the basic human need of talking to each other.

Mom doesn't have most of these stocks anymore, to tell the truth. For example, she and Grandpa gave in to the tobacco scare, and sold R.J Reynolds. And since its 1984 split up, AT&T has undergone numerous and confusing changes -- yet it and most of its spin-offs still pay dividends!

And Yet That Just Demonstrates Another One of My Grandfather's "Old-Fashioned Yet Revolutionary" Strengths . . .

In 1955, only a few finance professors were reading Harry Markowitz's paper on reducing portfolio risk through asset diversification, which eventually won him the Nobel Prize for Economics. My grandfather didn't write down a bunch of fancy equations, but he understood the importance of not keeping all your eggs in one basket.

But Aren't Companies Cutting Dividends?

Yes, the current economic crisis has forced many companies to cut back, because their profits are lower.

However, if a companies cuts its dividends in a bear market, its stock price goes down too, so hoping for a capital gain is worse than useless.

Also, remember that my system advises you to invest in the basic needs of people. During a recession people won't spend as much money on food, but they sure won't stop buying it.

Besides, with so much cash injected into the world economies by all the stimulus bills passed by governments around the world, we could be facing an increase in inflation by 2010.

Then companies that meet basic needs will have more cash to pay dividends with.

In my system I explain other ways to protect your investments.

Mom Won't Let Me Reveal Exactly How Much She Owns, and Here's the Per Share Info:

She bought shares of Hershey for $44 3/4 each, and received 50 cents each in quarterly dividends. Now, due to stock splits, each 1955 share is 120 shares paying 29 3/4 cents per share. That's $35.70 per share per quarter -- a 7140% increase in income, or an average of 13.73% per year (1955-2007).

In 1955 one share of Wrigley cost $96 3/4 and paid $1.25-$1.50 per share. Thanks to stock splits, one 1955 share is now 180 common shares and 45 Class B shares. Each share now pays 29 cents per share. so that's $65.25 per quarter. That's a 5220% increase, an average annual increase in income of 10% for 1955-2007.

In 1955 the shares of Guaranteed Trust Co cost $84 each and paid 80 cents per share per quarter. That company was eventually bought by J.P. Morgan, and one Guaranteed Trust share is now 41.40 shares of JPMorgan. Each share pays 38 cents per quarter, a total of $15.73. That's a 1966% increase -- an average of 3.78% per year (1955-2007).

Notice I'm not telling you how much those stocks've gone up in price since 1955. That's not what's important. And I'd obviously be lying if I told you they haven't gone down a lot in this current market crash. But I don't care! Follow the money . . . that goes into your pocket.

INCOME INVESTING SECRETS: How to Receive Ever-Bigger Dividend and Interest Checks, Safeguard Your Portfolio and Retire Wealthy

This is the ONLY available investing for income system that covers the full range of income investing, from stocks and bonds to preferred stocks and real estate investment trusts. AND which tells you straight out -- ignore capital gains.

This website contains a lot of great information about income investing. You can learn a lot from it -- but it's like a jigsaw puzzle. Each page of content is one piece, and to get started, you obviously you need to see the Big Picture.

You need a step by step plan. You need a system.

That's why I updated Grandpa's work for the current financial markets, included the findings of modern research, and put together the 7 Principles of Income Investing. Using them, I evaluate all your income investing options, then come out with a plan for young investors, investors nearing retirement, and retired investors.

I've read the other books on income investing. They have some good information, but they're now getting behind the times, or they focus on "fixed" income investing (a phrase I hate -- I want you to invest for ever-increasing income), and none of them give you their value system up front, as I do.

Plus, I de-brainwash and de-hypnotize you from the illusions the mainstream financial media and "experts" have programmed into you.

In the Income Investing Secrets system you get:

• The 24 reasons to invest for income. There're more, but 24 ought to be enough. HINT: The most important reason is because it feels good to receive checks automatically, without selling anything. Pages 11-13
  
• The secret to using time to get wealthy. Called "the most powerful force in the universe" by Albert Einstein. My mother couldn't do this, because she needed her investing income to raise two children . . . but YOU CAN! Pages 44-48
  
• The quickest and easiest way to invest for income and still have good diversification -- My proprietary, unique K.I.S.S. (Keep It Simple, Stooker) portfolio. Buy only 2 different securities. If you want, just read and follow this chapter, and in the long run you'll do better than 99% of other investors. Page 210
  
• This little-known form of business company has been a true "insider secret" for over 20 years. Now you can join the ranks of the wealthy who're receiving ever-growing checks thanks to our dependence on oil and natural gas -- but these companies DON'T drill or refine! They never own, buy or sell a single drop of oil! -- Page 121
  
• Fire your financial advisor! Take your money out of those "Life Cycle" mutual funds. This program gives you investment plans for those far from retirement, approaching retirement and in retirement. It's not as hard as they want you to think, and I've done the work for you. And if you think I threw it together, just ask a fair-minded financial advisor if my recommendations aren't suitable for income-oriented investors. They might argue details. They might argue the emphasis on income, but they'll agree my recommendations are solid.
  
• Some people claim their stock picks can beat the markets. Some smart academics say the financial markets are too efficient to beat. Why I don't care, and how you can profit from learning the truth. Pages 27-32
  
• Why academics thought Enron's stock was less risky than the market . . . let that comfort you if you used to own Enron. THE TRUTH: If you chase after "growth" and fashionable, media-approved (Enron was often voted FORTUNE magazine's Most Innovative Company of the Year) stocks, you can't avoid future scandals. Page 31
  
• The little known type of bond that protects you against inflation -- and you didn't know that President Bill Clinton left a great legacy to investors! But be careful -- if you don't watch out, they'll raise your tax bill. I steer you around this hazard. Page 167
  
• This type of investment lets you shelter 80-90% of the income it pays to you from taxes -- until you sell. Moral: Never sell. It feels so sweet to tell the IRS, "Screw you, I'm keeping this!" Page 123
  
• Why the Great Depression was a terrific time to own and buy stocks. Income investors gained over 400% during the 25 years it took "growth" investors to break even after the stock market crash of 1929! Page 48
  
• This type of cash-rich stock is part of the largest "industry" in the world -- you're using it right now unless you're on a boat or in an airplane. In the U.S., it's REQUIRED to pay you 90% of its net income -- and most pay far more than that. Page 111
  
• Other financial writers must live in ivory towers where nobody ever gets hurt or dies, because they think "risk" is a mathematical concept. Some of my 7 Principles will protect you against the REAL risks of investing -- and these don't include price ups and downs. Pages 33-35
  
• The retired IRS agent who became the world's greatest investor -- and what you can learn from her. Page 44
  
• How much it's costing you to take financial advise from gurus who claim to know the future. Dump everyone without a crystal ball 100% guaranteed by God. Page 62
  
• A full (and frightening list) of the many expenses of actively traded, open-ended mutual funds -- including the sneaky charges they're not required to disclose to you. Pages 75-77
  
• How to buy high credit quality, newly-issued corporate bonds without paying outrageous commissions. Don't let bond brokers stick it to you! Page 152
  
• Why you should replace asset allocation with income allocation. The academics say you can't beat the market because of transaction costs, then advise you to incur more transaction costs! What's wrong with this picture. Page 193
  
• Many investors' biggest problem is setting the money aside . . . here's the psychological shift to make in your brain so you enjoy saving up for your retirement. Page 47
  
• "Put all your eggs in one basket and watch that basket very carefully," right? Outrageously dangerous advice! Steer clear of anyone who tells you that. Pages 56-59
  
• WARNING! The greatest single threat to your buying power is weaker than it used to be, but if you don't use some of your investments to fight back (and you're under 100 years old), you're doomed to lose. Pages 60-62
  
• What every other financial writers advises you to do -- which I think is a tremendous waste of the greatest asset you have in life. (My mother's too busy acting in local plays, stepping into quicksand in the Ecuadorian jungle and going out to dinner with friends!) That's why I call this the lazy investor's guide to wealth. Pages 66-70
  
• The many major problems with mutual funds -- that cost you more money in more ways than you think, and why so many investors rely on them anyway. Follow this income investing plan, and you'll have the understanding and confidence to ditch these over-hyped losers. Page 74
  
• The average mutual fund spends $16 million a year of YOUR money on __________ _____________ . . . most of it wasted! Page 75
  
• The many ways mutual funds make you pay more taxes. What you think is a year-end inconvenience is whittling away at your retirement funds with a machete. What's worse, they force you to pay your savings to the IRS even when their share prices go down! Pages 75-79
  
• Why index mutual funds are better than actively-traded mutual funds, but are still optimizing a dysfunctional investment strategy. Nobody else DARES tell you that. Pages 80-81
  
• The new form of investment that beats the living daylights out of actively traded mutual funds. Some of them are perfect investments for different types of income investments. I point you to the ones you can use to secure your retirement. Pages 86-88 and Pages 182-190
  
• WARNING: When your broker wants you to jump into one of these investments (a type of mutual fund), fire his ass! Pages 89-93
  
• How you can make money by investing in the most important liquid in the world . . . many experts predict future wars will be fought over it, and IT'S NOT OIL! Page 107
  
• This traditional "widows and orphans" type of stock did help Mom support my sister and I when we most needed the income . . . and you're allowed to take advantage of its safety and income too. Page 108
  
• Now you too can now invest like a venture capitalist -- make big money by helping small business get off the ground. These profits used to be closed to everybody making under $200,000 a year or worth under $1 million. If you're willing to take some risk (only with a small part of your total portfolio, please), you can join in the game and may earn a big return. Page 127
  
• The index of companies that have paid higher dividends every year for at least 10 years (some have raised their dividends every year for over 100 years!) and how to easily invest in all these companies by buying just one security. Page 185
  
• How almost anyone in the world can participate in the largest bond market in the world, without paying any commissions. I give you the website address where you can open up an account that's free for balances under $100,000. Page 141
  
• What determines an investment's true value -- don't wind up as the "greatest" fool. Page 36

You Can Obtain This Vital Information on Protecting and Increasing Your Retirement Portfolio

When you invest in income-producing assets you don't have to sell them, because they keep "laying gold eggs." You wouldn't kill a goose that lays gold eggs, would you? You need to invest in assets that will send you checks you can spend or reinvest -- without selling those assets off. (That saves you commissions, fees and taxes.)

I want to thank you for trying out Income Investing Secrets by offering you two free bonuses:

1. VARIABLE ANNUITIES EXPLAINED: Tax-Shelter an Unlimited Amount of Money from the IRS and Guarantee Yourself a Lifetime Income Without Getting Ripped Off

Shopping for variable annuities makes sending a rocket to Mars look like child's play. Here I explain how they work . . . and what to look for, and the scams to avoid.

You can't get all this information from any book on the market. The books on Amazon are out of date, and the available ebook on variable annuities isn't comprehensive, and doesn't explain how they work. I know -- I paid around $300 for all of them.

• Already maxxed out your IRA and 401(k) contributions? How you can put an unlimited amount of money into a tax-sheltered account. Why don't conventional financial writers advise you to do this? Page 14
  
• The 3 stages of variable annuities . . . many writers mix them up, which confuses readers. Why you may never need or want the 3rd phase. Pages 11-12
  
• The two ways to lose when you buy a fixed annuity, and the two kinds of people who may want to buy them anyway. Pages 2 and 4
  
• All annuities are only as secure as the financial standings of the life insurance companies that issued them. I reveal the names of the two companies that rate the financial strength of any life insurance company you're considering buying an annuity from. Page 5
  
• The many hidden expenses of variable annuities, and why they're still often a better deal for many people than mutual funds. Page 17
  
• Why variable annuities are often better than a mutual fund for your heirs, despite the conventional wisdom. Pages 17-20
  
• Don't accept "bonuses" from variable annuity companies. They sound good, but eventually you'll pay too much for them. This is a new feature of variable annuities you want to avoid. Page 21

2. SWISS ANNUITIES EXPLAINED: Safeguard Your Variable Annuities With the World's Safest Life Insurance Companies, in What May Be the World's Safest Form of Money

NOT Swiss bank accounts!

Swiss annuities are one of the best "secret" investments in the world, but anybody can buy them.

Here's what you need to get started.

The Swiss are known as the world's safest as well as most secret bankers -- what's not so well-known is that for over 100 years they've also had the world's safest life insurance industry. Not one Swiss life insurance company has ever failed.

Compare that to AIG in the United States.

Plus, the Swiss franc is over 100% backed by gold and so in the future will probably appreciate against ALL types of dollars AND the euro AND the yen . . .

Plus, under normal conditions Swiss law prohibits the seizure of annuities by creditors . . .

Plus, the same strict privacy laws that prohibit Swiss bank employees from disclosing customer information also apply to Swiss life insurance company employees . . .

Plus, ownership of foreign annuities doesn't have to be reported to the U.S. government (as ownership of foreign bank accounts must be) . . .

Plus, earnings on foreign-owned annuities are not subject to the 35% tax the Swiss government imposes on foreign-owned Swiss bank accounts . . .

Secure Your Financial Future Now

Many investors have paid $7000 to attend seminars by gurus such as Wade Cook who make unrealistic promises and teach tricks that eventually lose you money.

You can pay other gurus $100s of dollars to take online courses and buy DVDs on how to play the foreign exchange market, buy and sell commodities and options, day trade and more. If these techniques worked consistently then everybody would be rich.

The standard one year subscription for an introductory financial newsletter is $99 -- and once you're in their marketing pipeline, they push you to subscribe to newsletters costing $200, $400 and up.

I've many times paid $50 to $100 and up for books on investing and trading.

Many investment advisors want you to subscribe to THE WALL STREET JOURNAL ($249 per year from Amazon), BARRON'S ($179 for 13 months), MORNINGSTAR DIVIDENDINVESTOR ($159 per year), VALUE LINE INVESTMENT SURVEY U.S. EDITION ($803) as well as other sources of information.

If you have any sizable amount of stocks, bonds or mutual funds, you've paid out lots of money in commissions, management fees and capital gains taxes. You'd save most of that money if you only bought . . . and never sold.

If you wanted to learn everything in the Income Investing Secrets on your own, you can, to tell the truth. Sift through the tons of material on the Internet. This website does contain a lot of the pieces of the puzzle. Spend hundreds of dollars for investing books from Amazon. Spend hundreds of hours reading, studying and fitting the pieces together into a total system.

Or you can get the system in complete form, all ready to go. All ready for you to just download, and then put to use. With all the work already done for you. Just follow the steps I outline -- I do everything except give you the money to start investing with.

But I want everybody who's retired, thinking about retirement or young enough to get REALLY REALLY rich from this information to put it to use now.

More...