| Can "National Policy H.R. 4520" save your retirement?
Dear Reader, Social security is a retirement rip-off. You pay tens of thousands of dollars into the system over your career. Then you wait until age 62 before collecting a dime. Even worse, the average payout is a measly $1,002 a monthand that's before taxes and Medicare fees! But what most Americans don't know is that a rarely-publicized U.S. government-loophole can pay you 10-times more than social security. A little-known Jan. 1, 2005 law called H.R. 4250, or the FSC/ETI Bill, now makes it easier than ever for you to take advantage of what some experts are calling "Supplemental Retirement Income," or "SRI." “SRI” is like social security in one way you get paid money on a regular basis. But that’s where the similarities end. As you’ll see, “SRI” and social security are quite different. For one, you can begin receiving “SRI” returns almost immediately, no matter what your age. And with "SRI" you can get paid an average of once PER WEEK, instead of social security's once-a-month payments. Finally and most importantly, returns from "SRI" dwarf the payments from social security. Starting right away, you can deposit an extra $15,000 to $75,000 per year directly into your bank account. In fact, because they are completely different, you can even get "SRI" payments at the same time you're collecting social security. That's why thousands of in-the-know retirees and people nearing retirement are cashing in
With pension plans collapsing left and right government bonds paying just 4.5% and social security a mess, it's not surprising that "SRI" is getting more and more attention. And it's not surprising that this little-known strategy is starting to get noticed in the mainstream press
If you are looking for extra money to fund retirement, or if you simply want more money deposited into your bank account every month, "SRI," as some experts call it, might be the perfect investment for you. Let me show you how it all works The dirty secret of social security
It's not hard to see why "SRI" is so much better than social security. Consider the case of Chuck and Kim Garwood from Georgia, who were profiled recently in USA Today. Chuck Garwood is 57, an army veteran who works part-time as an industrial safety consultant. His wife Kim is 48, and works part-time at a financial planning office. The Garwoods are counting down the days and adding up every penny in preparation for retirement. Once daughter Allison graduates from college, the path will be clear. The Garwoods are planning an active retirement. Chuck does triathlons. Together Chuck and Kim want to bike across the country for a month in 2007, and hike the Appalachian Trail in 2008. While some of the Garwood's friends talk about working into their 60s, Chuck says, "I've had enough I've been working since I was in the seventh grade." When the Garwoods retire they plan to rely on social security for about 20% of their annual income. Chuck is confident the money will be there. But as USA Today recently reported, "maybe not." The paper continues: "Americans who are 50-something a point in life when many are registering peak earnings, seeing their children move into the workplace and beginning to make detailed plans for their retirement could be in for some unwelcome surprises down the road." The problem is, social security is on the verge of going bankrupt. How did this happen? Well, back in 1983, Congress raised social security and Medicare taxes to create a surplus "trust fund," which would ensure the stability of social security for the next 50 years. And every year since then, the Social Security Administration has collected more money than they've had to pay out. But the problem is, our elected officials haven't saved a penny of this surplus. Instead the last three Presidents (Bush Sr., Clinton, and now George W.) have spent every single extra social security dollar on other government programs. Now this money is most likely gone forever.
How did Congress get away with a stunt like this? Simple demographics. For the past 70 years, we've had more people paying INTO social security than the number COLLECTING. But 76 million baby boomers will start retiring next year (about 12,000 per day). And even the Social Security Administration admits the program will soon go broke unless something radical is done. The point is, if you are relying on social security for a large chunk of your retirement money, you could be in for an unpleasant surprise. And even if social security is "fixed," allowing you to collect the maximum possible payout (which is $2,053 per month before taxes right now), how far is that money really going to go? Prices for everything from gas to food to clothing have soared in the past decade. Imagine what these things will cost 10 years from now. But the good news is I believe I have found the perfect solution for most people who want to retire. If you are at or near retirement age or if you simply want more money deposited into your bank account on a regular basis, "SRI " will dramatically improve your life.
You can begin receiving checks almost immediately, no matter what your age, income, or job statuseven if you already collect social security. I know this for a fact because I have spent the past 10 years investigating retirement planning, programs, and income opportunities all over the world in the United States, Canada, Germany, Britain, and Argentina, just to name a few. I created a retirement advisory letter called True Wealth five years ago to improve people's retirement and to help people get ready to retire who aren't quite there yet. For many people, "SRI" is a great option. Let me explain more about how it works How to Boost Your Monthly Payments by 550% In short, what we call “Supplemental Retirement Income” is an agreement between the U.S. government and roughly 70 American businesses. It was started in the mid-1980s, when the government wanted to give big tax incentives to companies vital to the economy—like those that produce oil, gas, lumber, and other commodities. The agreement makes all 70 businesses basically exempt from federal taxes — as long as they agree to pay out nearly all of their PROFITS to company shareholders (that’s you and me), typically in the form of monthly dividends ...
Few people knew about this opportunity back then, or how it worked. So in late 2004 the U.S. Congress passed H.R. 4520, also known as the FSC-ETI Bill. Section #331 contains provisions that make it easier for more Americans to Let me show you one example of what I mean... How to Get Paid for the Next 20 Years One of the 70 “SRI” companies is a business called Boardwalk Pipeline Partners, LP. This is a business you may not be familiar with. But if you live in the South (in such places as Florida, Texas, Mississippi, Alabama, and Tennessee) or the Midwest
You see, what Boardwalk does is transport natural gas through about 13,500 miles of pipelines, which cover 11 states. Last year they transported more than a trillion cubic feet of natural gas — and they collect large fees for every cubic foot piped through their system. In the last quarter (3 months), the company made about $30 million in net profits. Sounds like a nice, stable, ordinary business, right? It is... But what most people don’t know about Boardwalk Pipeline Partners is that they have registered with the U.S. government as an “SRI” company. So the profits they pay to shareholders are just extraordinary... In fact, in the last quarter the company paid out $38 million to shareholders. Remember, the company’s net profits were just $31 million... so they paid out more to shareholders than they recorded on their books as net profits! How is this possible? Well, as part of its participation in “SRI,” Boardwalk Pipeline Partners is obligated to pay, on a quarterly basis, all of their “available cash” to shareholders. And very often, the “available cash” far exceeds what the company records in its books as net profits. In other words, because Boardwalk is set up as an “SRI” company, they are obligated to pay shareholders tremendous amounts of money, every single year. In exchange, they pay little or no corporate taxes to the Federal government. (This means more money available to you as a shareholder.) To show you just how good a deal this is, compare Boardwalk Partners to a typical stock, such as Home Depot, which paid out just 10% of its profits to shareholders last year. This is why Boardwalk Pipeline Partners shareholders are now collecting thousands of dollars a year. For example, in 2006, according to government records:
Boardwalk Partners is part of one of the largest and most diversified financial companies in America (Loews Corporation). Since joining the “SRI” program about a year ago, Boardwalk has raised the payments on its paychecks to shareholders four times. In other words, the checks keep getting bigger and bigger. Since the beginning of 2006, the company has paid investors 82% gains. In short, if you want to lock up steady and increasing income for the next five years and beyond, Boardwalk Partners is one business you should own, starting now. Keep in mind: While it was a government law that initiated the plan we call This means you can buy shares, just like you would a normal stock, through any regular or on-line broker.
As I mentioned, approximately 70 U.S. companies take advantage of the government’s special “SRI” loophole. Many industries are represented — such as: oil, mining, timber, entertainment, cemeteries, food production, and transportation. I’ve spent the past month investigating all 70 of these investments. I have found the 6 best. Boardwalk Partners is one of them. Here are the 5 others:
I recently visited this “SRI” company in person. This is about as conservative and reliable a business as you’ll come across: They sell timber and land. In September, for example, the company sold 17 acres of land to the Costco Wholesale Corporation, for a tidy profit: $7.6 million. And last year they sold about $44 million worth of timber. That’s why as a shareholder, you’ll receive incredible payments over the next decade and beyond. People and businesses will always want land to develop new properties. And trees are never going out of style. Since 2002, the company has increased its quarterly payout to shareholders five times. And over the last four years, investors have received total profits of 257%, including dividends. According to government records:
Since August 2005, shareholders have already collected 63% gains—and have seen their last 4 “SRI” payouts grow in size — each paycheck bigger than the one before it. These “SRI” payouts should continue to increase, several times each year. And I’m not the only one saying this... Based on estimates by Morgan Stanley (one of the biggest financial firms in America), this company could pay out 46% dividends over the next two years — and that's not even counting the money you can make as the share price goes up!
You will make tremendous income from these funds. And because they are the two cheapest “SRI” funds in the world, I expect that you’ll also make very good money over the next few years as these funds increase in price.
This company joined “SRI” less than one year ago — and get this: They have raised payments to shareholders three times already this year... and just announced that they are raising their payout again in about a week. I apologize for repeating myself, but it’s the same story over and over: The checks get just bigger and bigger. This company has returned 41% gains to shareholders in just their first 10 months of operations. Based on estimates from the folks at Morgan Stanley, this company could pay out 34% over the next two years — again, that's not even counting the money you can make as the share price goes up.
In short, these payouts are incredible, and you are missing out on serious Of the 70 “SRI” investments available, these five and Boardwalk Partners give you the six most reliable and largest payouts, month after month, year after year. How much will your checks be? It depends on your situation. If you want to pocket an extra $10,000 a year, I’ll show you how much money to invest to get the cash you need. If you want to earn an extra $25,000 per year, I can show you how to do that too. Want $50,0000 or more in extra money each year?... I can show you how to collect this much each year as well. Like social security, The sooner you get started, the better. What matters most is that these checks are being sent out practically every single day to people who have retired or would like to retire soon. Every day you wait to take advantage of the situation means less money in your bank account. I recommend you use these 6 “SRI” investments to form your own perfect retirement portfolio. If you bundle these 6 investments you’ll receive 24 dividend checks over the next year — an average of about one every other week. You’ll begin receiving your checks almost immediately. And you’ll have more money coming in than you ever imagined possible. That’s why I call it the “Supplemental Retirement Income” program. Why should you consider “SRI” payments instead of ordinary stocks? Because... Look how much more “SRI” companies pay out
The folks at Raymond James concluded their study by stating: “we believe [‘SRI’ companies] are an excellent investment vehicle for investors providing current income and steady growth ...” The point is, “SRI” companies provide you with the single best way in the world to get tremendous income on a regular basis. I recommend you get in as quickly as you can. You should make a small fortune over the next few years. Remember, what’s nice about these investments is that unlike Social Security, the government can’t take money out of “Supplemental Retirement Income.” The companies that have taken advantage of this loophole can pay you twice-monthly checks (or even more frequent) for the rest of your life. It simply doesn’t get any better than this if you are looking for more income. Here’s how to get started... How to pay for your retirement My name is Dr. Steve Sjuggerud. It's a Norwegian name pronounced "sugar-rude," although I was born and raised in the United States.
Today, after spending about a decade in the institutional investing world (where I worked as a stockbroker, mutual fund Vice President, and then a hedge fund manager), I now publish a monthly advisory letter for retirees, and people looking to retire. As I mentioned earlier, my monthly letter is called True Wealth. As part of my research I uncovered the concept of "Supplement Retirement Income." It's essentially a package of investments that can give you all the income you need to live an upper-class lifestyle, even if you aren't working anymore. If you are interested in getting the full details, I encourage you to try a subscription to True Wealth. When you do, I will send you my full Research Report, called How to Pay for Your Retirement with "SRI," absolutely free. This Report explains exactly how this bundle of investments works. It explains how and when you'll receive your dividend checks how much you will receive and most importantlyhow to make these 6 investments right away through almost any regular broker. My focus with True Wealth is to find safe and simple investments you won't hear about anywhere else. I believe most people take way too much risk when they invest their money. My goal is to show you much safer opportunitieswhere you can make a small fortune at the same time. I guarantee I will find you safe and profitable investment opportunities you won't hear about anywhere else. For example, here's another extraordinary opportunity I've been researching for the past few years, which most investors have never considered Stocks that are guaranteed I'm strongly recommending another smart move for people who are either retired or thinking about retiring It's a unique stock market investment that gives you all the upside potential of the stock marketand literally none of the downside risks. I'm talking an investment called a "MITTS," which were created by Merrill Lynch, the 2nd biggest investment firm in America. MITTS stands for "Market-Index-Target-Term-Securities."
Sounds complicated, I know but MITTS are one of the simplest and safest investments available today. Let me explain You can buy a MITTS from any broker. It will cost you around $10. If you buy a MITTS and the stock market goes up 12% next year, you get your original investment back, plus 12% gains. No big surprise there.
I know MITTS sound too good to be true, but I assure you, there's no catch and they are very real. Merrill Lynch created MITTS for their wealthy clients. Now they're available to the general public. In fact, you will find them listed every day in The Wall Street Journal. The question is, why would you want to have money sitting in a money market or savings account, earning a paltry 3% per year, when you can own super-safe MITTS that has all the potential gains of the stock market, with literally none of the risks? If you've got money you simply can't afford to lose but you still want to catch any gains when stocks go up, MITTS are probably the perfect investment for you. It's not surprising that MITTS have started to get a lot more attention from the financial press recently
MITTS are perfect if you want to protect your wealth, but still see gains if the stock market goes up. If you want to learn more about how to begin investing in MITTS right away, I've prepared a detailed report called MITTS: The Upside of Stocks, Without the Downside Risks. In this report, I'll explain exactly how MITTS work, and how to buy them. Most importantly, I'll show you which 3 MITTS offer you the very best deal right now. If you'd like a copy of this Research Report, I'll send it to you free, simply for taking a trial subscription to True Wealth. Is this type of "alternative" investment right for you? You'll have to judge for yourself. All I can tell you is that it's much safer than ordinary stocks and bonds right now. Let me tell you a little more about my investment philosophy so you can decide if you want to have a look at my work Confessions of a former stockbroker I spent the first half of my investment career working at big Wall Street institutions. Right out of college, I got a job as a stockbroker. I learned pretty quickly that a broker's main job isn't to help his clients make money but to simply get more clients. My next job was working for a global mutual fund. I was promoted to Vice President, in charge of running a $50 million international fund. It turns out this job involved a lot of sales too. I had to spend several hours every day trying to sell the fund to potential investors. Then, I worked for two different billion-dollar hedge funds, and earned my PhD in Finance. I learned a lot in these positions, but I realized the hedge fund world still meant a lot of schmoozing, selling, and meetings the part of the investment business I want to avoid. So about 5 years ago I left all of that behind, and started True Wealth, my own private advisory for retirees and people who want to retire soon. In that short time, we've grown to become one of the top 3 investment letters in America. We have readers in more than 125 countries. I think we've done so well because month after month, my goal is to simply show you safe and profitable investment strategies you won't hear about anywhere else. My passion is research and finding great investments no one else is talking about. I make more than a dozen research trips every year all over the world. In just the past few months, for example, I've traveled to Switzerland, London, Seattle, New York, and Vancouver each time to investigate a particular investment idea. In recent weeks, I've traveled to Australia, New Zealand, and China. I now spend all of my time doing what I love. I don't have to schmooze or entertain clients or sit in board meetings. I simply find great investment opportunities then I invite people like you to have a look at my research. If it works, you'll probably keep reading if not, you can simply cancel, and can even get your money back. To me, that's how it should work in the investment world no secret interests or hidden agendas. What I've found after working with literally hundreds of thousands of retirees and people looking to retire, is that most people simply don't realize there are safer and more profitable investments than ordinary stocks, bonds, and real estate. I promise you this: True Wealth is like no other investment newsletter you have seen before. I guarantee you will learn about unique opportunities here that you will not hear about anywhere else. Is True Wealth for you? I can't say for sure, but I believe the research my team and I do is better than anything else out there, on or off Wall Street. Our track record backs this up For example, I'm particularly proud of the investments we've found during the last bear market that made our subscribers very nice gains, while most investors were taking a beating
>> During the last bear market, I recommended a retail business with operations in all 50 states, plus Puerto Rico and the U.S. Virgin Islands. In 7 DAYS, readers who followed my advice could have made 300% PROFITS. >> A few days later, I recommended that folks in my special trading alert buy one of the biggest electronics firms in the world. 19 DAYS later, this recommendation realized a GAIN OF 341%. >> A few months later, I recommended a trade on one of America's most important telephone and Internet service companies. In 22 DAYS investors who took this advice could have made 111% PROFITS. In the past year, we’ve found opportunities that have returned 453%... 217%... and 17 recommendations that have returned double-digit gains. I know... anyone can cherrypick a few winners. But our overall track record is unmatched as far as I know. Right now, for example, as of our January 2007 issue, we have 24 recommendations in our portfolio... 22 of them have made very good money. In fact, our True Wealth research has done so well that many investment professionals have started following our recommendations for themselves and their clients
But how can you know if True Wealth is right for you? Here's what I propose 6 Months Free I would like you to have the next 6 months to evaluate True Wealth, so you can take your time deciding whether or not it's right for you. In fact, here's what I propose... First, let me know if you would like to try my True Wealth research. As soon as I hear from you, I will rush you a package right away containing:
Six months should give you plenty of time to decide if you like my research and my investment philosophy. If so, do nothing... and I'll continue to send you the next 6 months (a total of ONE YEAR) of my True Wealth research every month. If you decide True Wealth is not for you, simply let me know by phone, fax, or e-mail, and we'll issue you a full refund. Remember, you have a full six (6) months to decide. How much does True Wealth cost? And how can you get started? Before I give you all of the specifics, let me tell you about one more unique angle to pay for your retirement, which most Americans have never considered... Trees that pay for retirement? About two years ago, as part of my research for True Wealth, I made an amazing discovery. In short, I found that by investing in trees, in the form of "professionally managed timberland," you can actually make safer profits and more income than you can with ordinary stocks. I was skeptical about my early findings... so I hired Leonard Mayer, one of the world's leading timber experts. Together we traveled all over the world looking at timber projects. Leonard has spent the past 30 years in this business, and when a big company needs to put an accurate value on a tract of timberland, Leonard is the man they call. Leonard and I traveled to Florida, Georgia, and the Pacific Northwest. We even flew down to Argentina. What I learned during my research is incredible...
You may think of timber as a slow moving asset. But the returns can be extraordinary. For example, I have two favorite timberland investments right now. One has returned an incredible 6,424% over the past 16 years, including dividends. That means a simple investment of $10,000 back then would be worth more than a half million dollars today. In my recent Research Report called Timber-The Best Investment for the Next 7 Years, I explain everything you need to know. I'll show you:
Best of all, when you take a trial subscription to my True Wealth newsletter, you'll get a copy of Timber–The Best Investment for the Next 7 Years, absolutely free. The point is, if you are retired... or if you are thinking about retiring, True Wealth can help you live a lifestyle you may not have thought was possible. True Wealth costs only $99 for a whole year of research and reports. Is it worth paying the equivalent of just $8 a month to learn about safe and profitable investment opportunities you'll hear about nowhere else? I think so, but here's what a few paid subscribers have told me, just in the last month...
When you sign up for a trial subscription to True Wealth today, and you will receive:
Take the next six (6) months to have a look at my work closely. If you don't agree it's the safest and most profitable investment advice you've ever received, please contact us by phone, e-mail, or regular mail, and I will see that you get a full refund for the money you've paid. The longer you wait to get started with these investments, the less money you will have for retirement. To order, Subscribe Now Sincerely,
Dr. Steve Sjuggerud, PhD P.S. One more thing. My specialty is super-safe investments. But occasionally I find a speculative opportunity that is too good to pass up. For example, right now, there’s a tiny stock selling on the American Stock Exchange, which has the very real potential to go up 500% or more over the next year or two. It has gained 45% just in the past six weeks. Today this tiny stock is still incredibly cheap. The industry it’s in is starting to take off. If you are looking for a place to speculate with a tiny portion of your portfolio, this is my #1 choice. When you sign up for a trial subscription to True Wealth, I’ll send you a free copy of my report, My Favorite Small Stock in the World Right Now, which contains everything you need to know. P.P.S. You also have the chance to save HALF-OFF the regular price of |