The Global Financial PANIC of 2009

Today's crazy economy will wreck your financial security UNLESS you do this NOW...

By Martin Edelston
Chairman, Bottom Line/WEALTH

Behind the closed doors of a private meeting room at the exclusive Four Seasons restaurant in New York City, economic history was recently made.

By private invitation, I asked 13 of the most respected financial advisers in the world to come to New York City for a secret, economic summit.

Why? You already know why. The economy is teetering on the brink. The dollar is falling. Consumer confidence is at an all-time low. Gas prices are obscene. Food prices are going through the roof. And they've even begun to ration rice at some major food marts. This is scary stuff.

So after the introductions were made I made this simple request...

"I need solutions, dear friends," I said. "I need you to guide my readers through the minefield of today's economy.

"My readers are as smart as they come, but even they need help right now. They need to know how to protect and even grow their nest eggs in these tricky times.

"They need to know that their financial futures are secure for life. No hype. No hoopla. Just an easy-to-follow battle plan that will help them guarantee their financial security—no matter what happens on Wall Street or in the economy."

What happened next was an outpouring of financial secrets, advice and investment recommendations like nothing I (or you) have ever experienced.

In the pages that follow, I'll share many of these secrets with you—so you can benefit instantly.

With advice like this at your disposal, isn't it more than reasonable to assume that you could feel more comfortable about your financial future? Of course, it is.

That's why we've just put all of these secrets (plus hundreds more) in seven new Financial Guides that are yours completely FREE—when you click here now. In the pages that follow, you will read all about these FREE Guides.

But first, let me emphasize that we don't use the word "free" lightly. You need to know that this is a real, FREE Giveaway. There's no obligation to buy a thing. No hidden catches or fine print.

Once your FREE Guides arrive in your mailbox, you will have the critical, step-by-step advice you need to navigate these tricky times and grow your nest egg relentlessly—with every tick of the clock.

But what about the future? After all, today's economy is shifting under your feet every minute. Don't worry, we've got you covered there, too.

In addition to your seven FREE Guides, you'll also receive a FREE 3-month Charter Subscription to Bottom Line/WEALTH, our new personal finance letter—which features the very latest advice from our panel of experts and hundreds more.

Bottom Line/WEALTH covers your investments, your retirement, your taxes, your insurance, your real estate, your car, your credit cards, your shopping, and everything that affects your wealth and security.

And the next three monthly issues are yours FREE with our compliments—as part of our current FREE Giveaway invitation. You're NOT obligated to become a subscriber—we just want you to see and experience how our experts' advice can make an in-the-bank improvement in your financial security. Fair enough? Good.

So go ahead. Read on and discover what you need to do right now to protect your nest egg. Then be sure to accept our invitation in this Special Issue. You'll sleep a lot better knowing your money is safe and growing...

Sincerely,

Martin Edelston, Chairman
Bottom Line/WEALTH

P.S. Please RSVP today. We are NOT obligated to repeat this Giveaway invitation. This could very well be your LAST CHANCE.

Turn $100,000 IRA Into An
$8 Million Family Fortune.

From Ed Slott, nationally recognized IRA distribution expert: Very few retirees truly understand the full fortune-building power of their IRAs. They believe the required distributions will eventually drain the balance until there's nothing left. Wrong. In your FREE Guide, Set for Life: How to Never Worry About Money When You Retire, you'll discover a simple, perfectly legal strategy for managing your distributions so your nest egg grows. Result? A $100,000 IRA becomes an $8 million family bonanza.

Even if you haven't saved one single penny for retirement, this strategy will work for you.

From retirement specialist Jason Scott: A single investment of $64,800 when you retire can generate a guaranteed annual income of $50,000 a year later in your life—when you might need it most.

It doesn't matter if you haven't saved a penny for those years, you get your money, no matter what. That's more than many pension plans and it puts Social Security to shame. The secret is purchasing a little-known type of income insurance that generates guaranteed annual income.

There's no financial gimmick involved. You don't have to be ill or disabled to collect this cash. It's a simple, one-time purchase that guarantees your income when you're older.

So why don't more retirees do this? Because they just don't know opportunities like this even exist. That's why we included everything you need to know about this secret windfall in your FREE Retirement Guide, Set for Life: How to Never Worry About Money When You Retire. To claim your FREE copy, just click here.

You'll also receive a free, 3-month subscription to our new blockbuster personal finance letter, Bottom Line/WEALTH.

Of course, there's ZERO obligation to spend or join anything when you accept our invitation. You see, we believe that "free" still ought to mean free.

You've got better things to do with your money—like making your retirement 100% free from financial worries. And that's where your FREE copy of Set for Life comes in. Some examples of what you'll learn...

• The DUMBEST IRA Mistake that Too Many People Make. The most common mistake that retirees and working seniors make with their IRAs, 401(k)s and similar retirement accounts is failing to take required distributions on time. The IRS imposes a whopping 50 percent penalty on distributions that aren't taken on time.

  Problem: The rules are so darn confusing many people end up paying penalties they don't have to. The IRS just laughs all the way to the bank! That's why your FREE Guide simplifies these crazy rules once and for all.

• The $10,000 SECRET that Puts an Extra $200,000 in Your Retirement Nest Egg. This simple secret makes your retirement more rewarding both financially and emotionally! What every retiree needs to know.
• NOW Is the Time to Buy Your Dream Retirement Home—While Prices Are DOWN! The softening real estate market may have finally made that dream retirement home affordable. Here's what you need to know now... and how to buy that home with hidden cash you never knew you had!
• Extra $735/Month CASH in Your Mailbox—Guaranteed for Life—Thanks to this "Instant" Retirement Plan. So you haven't planned for retirement well enough? No problem. Just do this!
• Perfect Retirement "Job"—Get Paid $100 an Hour Doing What You Love to Do! You work when you want, and where you want... and get paid for your decades of life and work experience. Everything you need to know is in your FREE copy of Set for Life!

Go for it! You're invited to enjoy...

3 FREE monthly issues of the new, wealth-preserving, wealth-building personal finance letter that's setting the financial world on FIRE... Bottom Line/WEALTH.

PLUS, you'll also receive... 7 FREE Financial Guides!
NO purchase necessary. Just click here to order now.

Warren Buffett's biographer reveals what the master himself is doing now to protect his money and profit like crazy in the months and years ahead...

What Would Warren Do?

Our Bottom Line expert recently spent thousands of hours with the man many consider the greatest investor of all time. When times are grim, he has typically been at his brilliant and visionary best. Here's what you desperately need to know now...

Including, how he's positioning himself to snap up stocks at a fraction of the price others gladly paid. YOU can do the same right now.

As the economy teeters on the brink of a depression-style disaster, many Americans—including our politicians—are turning to Warren Buffett for commonsense advice on how to survive and even thrive in these tough times.

Will the economy get worse? Is this just the beginning of a decade-long downturn? How low can the market go? Or is it time to start bargain hunting and putting your capital at risk again? For the smartest investors, these are the WRONG questions. There's really only one question you need to ask yourself right now...

"What would Warren do?"

When times are tough, there is no smarter, safer place to seek out financial wisdom than Warren Buffett.

But to really answer this question, you need to go beyond the public interviews, the newspaper articles, or a Google^® search. You need to uncover Warren Buffett's personal investment philosophy and principles—the secrets that may never appear in the popular media.

That's why we recently asked Bottom Line contributor Alice Schroeder to reveal Mr. Buffett's secrets for growing inevitably richer—even in tough times like these. Ms. Schroeder recently spent thousands of hours with Mr. Buffett.

"While I was writing his biography, he gave me unprecedented access to his work, opinions, struggles, triumphs, follies and wisdom," Ms. Schroeder told us. This unique access goes WAY beyond what you see in the popular press and reveals the fundamental secrets Warren Buffett is using right now to both protect his money, and then position himself for astounding profits when the economy bounces back.

You'll find ALL these secrets revealed in a new financial volume we've just put the finishing touches on.

It's called 5 Times Richer, 5 Times Safer. And I'd love to send you a copy for FREE—and also include a FREE 3-month, Charter Subscription to our new personal finance letter, Bottom Line/WEALTH—your monthly road map to growing safer and richer in times like these.

(Editor's note: Don't worry, by the way, when we say "free"—we really mean it. You're never obligated to spend a single penny... honest.)

We'll tell you more about all your FREE Gifts later in this issue. First, let me demonstrate how your FREE copy of 5 Times Richer, 5 Times Safer will help you follow the lead of master investor Warren Buffett for long-term safety and almost unbelievable profits. For example, you'll discover...

• Warren Buffett's "Simple" Secret for Avoiding Popular Investments Almost Guaranteed to Crash. From 1998 to 2000, Buffett shrewdly avoided the "Internet bubble" that caught all of Wall Street off guard. Then, in 2002, he warned the world of the HUGE risks behind sub-prime mortgages and fancy "derivatives" that have since crashed. But how did he manage to avoid these disasters when everyone else was duped? His stunningly simple secret is revealed in your free Guide.

• How to Position Yourself NOW to Cash in BIG on the Market Recovery. This is the secret that helped him scoop up shares of General Electric^® and Goldman Sachs at a fraction of the price others gladly paid. If you're not using this secret now, you're NOT going to cash in when the markets come roaring back.

  You'll also discover why Buffett believes you must NEVER sell into a financial panic. How he never permanently lost more than 2% of his own personal worth on any investment and so much more.

  In the same Guide, you'll also discover...

• Which Stocks Are Set to Skyrocket Under the New Administration in Washington. Now that there's a change of guard in Washington, certain stocks and sectors are poised to skyrocket as the economy bounces back. They're inexpensive now—but they won't be for long.
• The Secret of the RECESSION-PROOF Portfolio. Nervous about your money? Who isn't? That's why we asked four of America's top financial experts for step-by-step instructions for what you must do right now to protect your nest egg.

  It's your complete guide to protecting and profiting from your mutual funds, stocks, bonds, savings and mortgages. This is what the smart money is doing right now. Your broker has NO clue about these tricks. Your financial adviser? Clueless, too. These are the money secrets that let you sleep at night—no matter what happens on Wall Street.


• Turn the Tables on Rising Energy Prices! How to Cash In BIG as America Desperately Searches for Alternative Energy Sources. Example: Expect nuclear power to make a big comeback in the years ahead. Even the staunchest environmental critics have begun to realize that nuclear energy is a low-carbon, cost-effective source of energy. You need to be ahead of these trends to profit... and we'll show you how.

• The NUMBER ONE Wealth Builder. The Median Net-Worth Income of People Who Do This Is $250,000. That's three times the net worth of an average worker. What you need to know now.

Are Exchange Traded Funds (ETFs) Really Safe?

Millions of investors are racing to buy ETFs instead of mutual funds because they seem to offer a good value, tax benefits, and the ability to "bet" on defined industry or country sectors. But watch out! There are three very costly traps your adviser may "forget" to tell you about. 1. Hidden costs. The expenses may seem like a great deal compared to a mutual fund, but the ETF commissions can easily erase your savings! 2. Hidden risk. It exposes you to volatile markets that can shrink your nest egg in a heartbeat. 3. Ignoring cheaper, better mutual funds. Some funds offer great returns and lower expenses. We tell you where to find them in your FREE Guide, 5 Times Richer, 5 Times Safer.

DOUBLE YOUR MONEY

even if the stock market falls

ANN ARBOR, MI—Happy customers mean happy investors. A portfolio of companies with the highest customer satisfaction ratings had a cumulative six-year return of 99 percent—nearly doubling your money. During the same period (2000 - 2006), the S&P dropped 15 percent.

That's so smart! Companies that keep their customers happy (and coming back) will continue growing in both good and bad times.

In your FREE Bottom Line/WEALTH Guide, 5 Times Richer, 5 Times Safer, you'll find a secret source that identifies these well-managed moneymakers—so they can make you happy, too. To claim your FREE copy, click here.

Cash in on cutting-edge technology!

Big Oil Is BACK? Thanks to "oil platforms" the size of a molecule! Imagine this: A machine the size of a molecule that can extract vast, untapped reserves of oil where no drill could ever hope to reach. Just a fantasy? No, this is true. And by year 2015, it could revolutionize the energy industry. This molecular machine is part of an exploding nanotechnology industry estimated to reach 2.6 trillion dollars in less than six years. Even more astounding, these microscopic miracles can also seek out and identify cancerous tumors in the human body! It's a technological revolution straight out of science fiction... except it's real. And it can help you generate astronomical profits in the next few years. We tell you everything you need to know now—including the companies that are spearheading this breakthrough technology.

Dividend Powerhouses:
Stocks That Pay in Any Market

Our Bottom Line/WEALTH expert Joseph Lisanti of Standard & Poor's, believes that dividend stocks are a smart "haven" from a crazy market. Historically, they have been very resilient in good times and bad—so the dividend checks just keep rolling in.

Even more important, while companies can play games with their quarterly earnings, they CANNOT play games with dividends. So consistent payouts are a sure sign the company is in good shape! But how do you pick the BEST dividend stocks right now? The insider secrets you need (and will never hear from your broker) are in your FREE Guide, 5 Times Richer, 5 Times Safer. To claim your copy, simply click here now.

Nationwide mortgage panic hits millions of Americans. Flood of foreclosures continues. Smart homeowners and investors sleep like babies because they know...

The Secrets to Inevitable Real Estate Wealth...

The #1 get-rich-slow strategy that never fails. • Hottest real estate investment right now. • How to get top dollar for your home—even in a bad market. • Vacation homes that pay for themselves. • You CAN get credit in this tough market, and more...

• Secret #1: Buy RENTAL PROPERTIES Now! It's the classic, "get-rich-slow" strategy made even better by today's real estate crunch. In your FREE Guide, World's Smartest Real Estate Moves Right Now, we explain exactly what to look for in rental properties, how to make sure you're getting the best price... and virtually guarantee that you'll make a slow, but inevitable killing!
• Secret #2: HOTTEST Real Estate Investment Right Now: Student Housing! Why? Because a record number of kids are now entering college, and the schools can't keep up with the housing needs. Buy a property near the campus and you can expect close to 100 percent occupancy, appreciation on your property and a 10 percent return on equity! Everything you need to know is in your FREE Guide, World's Smartest Real Estate Moves Right Now.
• Secret #3: Get TOP Dollar and Sell Fast—Even in a "Buyer's" Market. These eight easy tricks will have buyers bidding for the privilege of owning your home. And you laugh all the way to the bank.
• Secret #4: Why Not Buy the Vacation Home of Your Dreams? We'll Show You How to Make It Pay for Itself! This is SO smart and SO simple, there's no need to hold back anymore—when it doesn't cost you a penny out of pocket to own it!
• Secret #5: How to Get Credit in a Tough Credit Market. The secret? RAISE your credit score so banks bend over backward to lend you money. All you have to do is... (Continued in your FREE Guide)

• Secret #6: Mortgage Payments Too Touch To Handle? Don't Panic... Just Don't Pay It. Yes, you can do this, and the bank won't foreclose on your home! Here's exactly what to do—step by simple step. In the end, your bank will thank you!
• Secret #7: Check Out Income-Producing Properties NOW. Your first step is to check out the properties' "capitalization rate" (see instructions in your FREE Guide). It's more important than location or looks. With market values plunging, the "cap rate" is looking better than ever!
• Plus, Dozens of More Secrets in Your FREE Guide!

IRS in quiet panic over Bottom Line/WEALTH's recent release of legal tax loopholes that would cost the government billions of dollars. Average taxpayers suddenly "find" huge chunks of cash that are completely tax free...

How to Earn INVISIBLE INCOME the IRS Can't Touch

Over $450,000 tax free Uncle Sam can't touch. $91,400 salary tax free. $50,000 "loan" that's tax free (and you decide have time to pay it back)... and more.

The IRS Wants You to Think That Every Last Penny You Receive Is Taxable—in One Way or Another. WRONG!

Over $450,000 tax free? Not possible, most people think... but they'd be so wrong. A $91,400 salary that the IRS is legally blocked from taxing? Yes! And it's so darn legal, the IRS is praying you never learn about these tricks in our newest tax-saving blockbuster: Invisible, Tax-Free Income Made Easy & Legal. That's why we want to send you a copy for FREE—along with a free, 3-month Charter Subscription to Bottom Line/WEALTH. (It's really FREE, by the way!)

Once your FREE copy arrives, you'll enjoy the single most powerful collection of tax-saving secrets we have ever assembled—from the shrewdest tax professionals, CPAs, and ex-IRS agents in America today. Some examples...

• Perfectly Legal Tax Deductions the IRS Doesn't Want You to Know About. Like clarinet lessons... new siding for your home... legal expenses... furniture... boarding school costs... weight-loss programs... air-conditioning... and many more.
• Pay Zero Tax on Capital Gains... ZERO. Who cares if Congress raises the cap gains rate? You're just NOT going to pay it, and the IRS can't do a thing about it! Here's what to do.
• Secret "Exemptions" that Can Cut as Much as $3,000 OFF Your Property Taxes. No reassessment required... you're guaranteed to save the money. No wonder the local tax man is praying you never learn this simple trick.
• World's Easiest Tax Shelter. Your money grows tax free and you laugh all the way to the bank. IRS is helpless to fight this perfectly legal shelter. No CPA required, you can do it all yourself.

• How to Legally Deduct Your Spouse's Expenses During a Business Trip. When you handle it this way, the IRS has no choice but to say, "OK."
• How to Legally HIDE ASSETS from the IRS. Such a simple, worry-free way to keep the IRS out of your life.
• The 10 Biggest Retirement Tax Traps—and How to Avoid Them. Just one of these traps could seriously shrink your nest egg. We steer you through the minefield so you can keep the IRS away from your money!
• Plus, Dozens More Secrets in Your FREE Guide!

Three Untold Secrets of...
The Tax-Free Estate Plan

How to legally shelter a HUGE estate from paying estate taxes. The secret plan used by the wealthiest Americans will work for anyone... including YOU.

Untold Secret #1: A Life Insurance Trust. If you own a home, a pension plan and a life insurance policy, the IRS just loves you. Why? Because they're poised to rob your heirs blind. They get a HUGE share of your assets and can even tax your life insurance as much as 45 percent (all they have to do is say the insurance is part of your estate). The solution: Set up a life insurance trust according to the directions in your FREE Guide, The Ultimate Tax-Free Estate Plan. Instantly, your life insurance is untouchable by the IRS.

Untold Secret #2: A Credit Shelter Trust. This guarantees your assets pass to your spouse, then to your children without paying estate taxes! If you don't do this, your estate passes to your spouse tax free... but when it passes to your kids, they'll be socked with a HUGE bill! Everything you need to know is in your FREE Guide.

Untold Secret #3: A QTIP Trust. For larger estates, this helps guarantee that the excess value in your estate still passes to your heirs tax free. It's a perfectly legal loophole that helps keep your estate tax free—even if it exceeds the exemption amounts set by the IRS.

You'll also discover how to set up a children's trust that prevents them from "wasting" the money. How to set up tax-free trusts to pay for college expenses. Common will mistakes that can cost you a fortune. Plus, dozens of more secrets.

$300 cash every month—yours for the asking. Travel in luxury for free. Get extra FREE gas at every fill-up. Plus, dozens more secrets, including...

Say ONE Word, Get 70% Discount
on Your Prescription Drug Costs

Imagine this: You're standing at your pharmacy counter just dreading the price tag for your medicine. Then you whisper ONE word to your pharmacist and suddenly your $100 prescription is reduced to just $30.

Fantasy? No, this is REAL. And when money is tight you ought to have your head examined for NOT doing this!

That's SO smart. And it's just the beginning of what you'll discover in your FREE Guide. Just look...

• Get $200 of Groceries for Just $50... Supermarket Has NO Choice. If everybody knew this shopping trick, the supermarket would probably go out of business! Don't cut back on what you buy. Cut back on what you pay! We tell you exactly what to do.
• Get FREE Vision Care... or Darn Close To It! These 7 nationwide sources help you get the top-notch care you need without breaking your bank account. You get VIP service without VIP prices!
• Got Old Debts You Can't Pay? Then Don't Pay Them! Your creditors have NO choice but to walk away. Important: Don't pay even a single penny, or you could suddenly be liable for the whole amount. No, we're NOT talking about bankruptcy... we're talking about secrets your creditors hope you NEVER learn. It's perfectly legal.
• Get FREE Gas Every Morning and Evening. This little-known secret squeezes an "extra" amount of gas into your tank at every fill-up. Here's what your gas station owners will never tell you.
• Travel for FREE (or darn close to it)... Airlines Have NO Choice! The world is your backyard when you know this secret. Also works for cruises.
• Get Higher Interest Rate on Bank CDs... Banks Have NO Choice If They Want Your Money! How to negotiate "non-negotiable" rates on CDs. What your neighborhood banker won't tell you.
• Time to Trade that Gas Guzzler for a Hybrid? Are you going to lease or buy? We tell you what your car dealer and bank never will—so you can get the best deal possible—and then start saving money at the gas station.
• The $15 Billion Credit Card Rip-Off! How they tack on "sneaky" charges and penalties just to pick your pocket. Here's how to STOP them dead in their tracks and keep your hard-earned money.
• How to Save up to 33% on Health Insurance Without Cutting Coverage: Insurance Company Has NO Choice. The secret? Blending coverage across working couples' employers. You can eliminate coverage for your spouse on the policy that's weaker and save up to a third of the premium costs. You still get the best coverage, but at a huge savings. Step-by-step instructions are in your FREE Guide.



• Buy Electronics, Appliances and Even Cell Phones for 80% LESS Than the Discount Prices Paid by Everyone Else. What the manufacturers will never tell you—but we will.
• How NOT to Let a Nasty Divorce Wreck Your Finances. Read this NOW, if you see trouble headed your way... or else. Here's how to keep your money—instead of giving it to lawyers and the IRS.
• Divorced? Spouse NOT Paying Child Support? When economic times are tough, it's even harder to collect what's rightly due... UNLESS you force him or her to pay by doing THIS. (Instructions in your FREE Guide.)

10 Secret Sources for Cash in a FLASH

Sometimes life just throws you a curve and you need cash FAST. In your FREE Guide, Think Like Scrooge, Live Like Royalty, you'll discover 10 secret sources you never knew existed. No crazy loans. No selling assets. Just the cash you need, on easy terms (or even NO terms) when you need it most.

$300/month extra CASH. Yours for the asking... In your FREE copy of Think Like Scrooge, Live Like Royalty, you'll discover industry insider secrets that turn "non-negotiable" expenses into cash in your pocket that totals $300 or more. Example: Call your credit card company and refuse to pay the criminally high interest rate anymore. Demand a lower rate immediately. You know what they'll say? "No!" of course. Then you pull out the paperwork we told you to gather in your FREE Guide. Once you present your case, they almost have no choice but to say "yes," and lower your rate. This trick can easily save you $700 to $1,000 a year, or more.

The $30 Ice Cube

and other rotten hospital bill rip-offs...

Three-quarters of hospital bills have overcharges that average about $1,000. To make sure YOU are not ripped off, demand that an itemized bill be sent to you every day you're in the hospital. Here are just a few things to look for: A bag of ice is often called a "thermal therapy kit" which can cost $30 or more. A box of tissues can be called a "mucus control kit" that costs $12. Other costly mistakes include: Tests you never approved. X-rays that weren't clear enough. Lab tests you never authorized and much more. You'll find the complete list in your FREE Guide, Think Like Scrooge, Live Like Royalty. To request your copy, simply click here. It really is FREE!

You get 10 FREE gifts

and you'll discover how Bottom Line/WEALTH helps you...

THINK LIKE SCROOGE and get $4 of value from every $1 you spend—by learning the forbidden money-saving secrets of over 575 industries...

LIVE IN LUXURY and drive a brand-new hybrid SUV... buy the vacation home you dreamed about for a song... travel the world in luxury for FREE. And so much more...

INVEST LIKE BUFFETT and learn the secrets to inevitable wealth. Instead of tossing and turning at night, you will sleep easy knowing your money is growing with every tick of the clock—no matter what happens on Wall Street or to the economy.

MAKE YOUR KIDS RICH by keeping the greedy hands of Uncle Sam away from your estate. It's your money. You earned it. You already paid taxes on most of it. So your kids ought to enjoy it tax free. It's legal... and it's easy when we guide you every step of the way.

RSVP TODAY! You can't afford to be wrong about your money in these tricky times!

Click here today to protect and grow your nest egg no matter what happens on Wall Street or in the economy. You're never obligated to spend a penny—EVER.

Scam Busters

How to Safeguard Your Money From the NEW Generation of Financial Predators

How to STOP the slick, new identity thieves from wrecking your credit and robbing you blind... how to theft-proof your valuables with frozen vegetables... the phony IRS e-mail scam and dozens more.

It's getting bad out there. Really bad. The Internet has changed everything. These days, your most personal information is flying all over the world at the speed of light. And just as fast, you can find your bank account empty... your credit ruined... or your "safe" investment drop to zero.

That's why we decided to create a single, giant Guide that helps you spot these scam artists a mile away—long before they reach into your personal life, and your pocket. It's called Scam Busters and it's our new encyclopedia of tactics and tricks that keep you and your money safe, no matter what. Here are some examples of what you'll discover...

• How NOT to Have Your Identity Stolen While You Surf the Web. As more and more local governments make their data available online, your privacy can go right out the window unless you take this critical step.
• The "Self-Directed" IRA Scam. Scammers use these to instantly divert your money into risky investments. Here's how to protect yourself.
• The Terrible TIME-SHARE Rip-Off. You're promised an annual return of 9 percent—that never happens. How to spot these thieves 10 miles away.
• Employer Annuities Are a Good Way to Lock in Income for Life, Right? WRONG! These annuities are often filled with hidden conditions and offer little liquidity.
• PLUS, FAR TOO MANY MORE SECRETS TO LIST HERE!

Click on "ORDER NOW" to get your copy of
Scam Busters and all your FREE GIFTS today!

Bottom Line/WEALTH publishes the opinions of expert authorities in many fields. But these opinions are no substitute for legal, accounting, investment, medical and other professional services. Always consult a competent professional for answers to your specific questions.