START WITH A HANDFUL OF CHANGE
and see what happens!

As you read on, you'll learn how to:

• Unlock the amazing power in your POCKET CHANGE
• Get DEBTS FORGIVEN without bankruptcy
• Uncover up to $30,000 in FOUND MONEY
• Make it earn TWICE what your neighbor gets
• Then nearly TRIPLE your tax deductions
• And build a $900 MILLION legacy

It all starts just as soon as you SEE BELOW:

Money is like a MIGHTY RIVER
That flows from our homes OUT INTO THE WORLD...
And we scrimp and do without so we DON'T RUN DRY!
BUT WHAT IF YOU COULD TURN IT AROUND?
So the river of money FLOWS BACK TO YOU...
And the cash floods in much faster than you can SPEND IT!
Money pros have a term for this blissful condition...
IT'S CALLED FINANCIAL FREEDOM
And on the following pages, I promise...
You're going to get there fast!

Just keep reading
and watch as AMERICA'S MOST TRUSTED FINANCIAL ADVISER
performs miracle after miracle...

FOR YOU! Come on, let's get started right now...

First, let me introduce you to the famed personal finance expert who will guide you each step of the way.

Her name is BARBARA WELTMAN. You may have seen her on CNBC, CNN, Bloomberg TV and the "Today" show... but even more important:

She's the expert THE EXPERTS SEEK OUT when they want financial advice...

Including me! You see, here at Bottom Line Publications, we consult with quite a few world-renowned financial advisers, tax pros and retirement experts. I respect each one enormously, but before I publish any of their advice in one of our newsletters...

I check it out with BARBARA WELTMAN. Because we all know that if Barbara says "yes," it's not just financially BRILLIANT, but easily DOABLE, highly DEPENDABLE and legally BEYOND REPROACH. In fact...

She's such a legend in financial circles that thousands of accountants, tax attorneys, advisers and planners are taking time off from busy careers to study her personal finance courses...

And now, for the first time ever, she's packed all the secrets she's learned in more than 25 years of working her famous FINANCIAL MIRACLES into the ultimate volume of smart-money moves:

Bottom Line's VERY SHREWD MONEY BOOK:
Your Personal Action Plan for Greater Wealth

Preview it for 30 days FREE and get 2 FREE BOOKS!

• Hardcover, with 346 PAGES...
• Dozens of STEP-BY-STEP SOLUTION SHEETS you can fill out...
• Hundreds of TOLL-FREE NUMBERS and FREE WEB SITES to visit...
• A host of FREE FINANCIAL SERVICES you can tap into...
• And 2,145 WEALTH-CREATING MOVES that you can make instantly...

This is the most PRACTICAL and POWERFUL financial resource ever published

And, in a moment, I'm going to tell you how you can GET AND USE every move in this book, for 30 days absolutely FREE.

But first, let's prove how simple and safe it will be for you to make these money miracles happen. Because Bottom Line's VERY SHREWD MONEY BOOK is assuredly not about working for money...

It's about making all your money WORK AROUND THE CLOCK FOR YOU

And it doesn't matter how much money you have now. I mean...

Let's assume you haven't saved DOLLAR ONE

No problem! Just empty the SPARE CHANGE from your pocket...

Then turn to page 58 in your FREE-Preview book. And in seconds, you'll start turning it into HUNDREDS OF DOLLARS to invest. (Anyone can perform this trick and everyone should. You'll see!)

So now that we've got a few hundred to play with, let's...

Turn those extra hundreds into THOUSANDS

Not in years, but in months, even if you're deep in debt...

In fact, that makes it even easier. Because right now, up to one-third of every American paycheck (and Social Security check!) goes directly to pay down credit card debt...

And it's time to redirect that river of cash back to you.

You'll start by getting an "INSIDER" CREDIT CARD
with lower interest than even banks can offer...

It's not hard to get one of these secret Visas^®or Mastercards^® and it's a no-brainer even if you don't carry much debt. See page 229.

• NEXT YOU'LL CANCEL YOUR ANNUAL FEES (see page 228). And then you'll really get down to business with a simple plan to...
• WIPE OUT ALL UNWANTED DEBTS FOREVER. You'll learn how to keep your assets, but settle for pennies on the dollar (page 239).

Plus, some even smarter moves, like...

Have you heard about DEBT FORGIVENESS?

In exchange for doing some charitable deeds, THE GOVERNMENT SAYS YOU DON'T HAVE TO REPAY YOUR LOAN. You don't even have to prove financial hardship. Just do what it says on page 236 of your FREE-Preview book.

Plus, you'll learn how to set up a debt-proof "shell" that:

• SHIELDS YOUR ASSETS from creditors forever...
• PUTS YOUR MONEY OUT OF REACH from lawsuits, too...

And this same move can even let elderly relatives qualify for FREE nursing-home care. See the details on page 20, then...

If anyone you know is contemplating a HOME EQUITY LOAN...

Be a good friend and show them the smarter way to:

• GET THE LOWEST RATE ON THE WEB. Visit the Internet sites www.lendingtree.com and www.ditech.com. A few mouse-clicks later, you've got up to four competitive quotes...
• THEN MAKE IT EVEN LOWER. Quotes in hand, call a nearby savings and loan, a bank and a credit union, and do as instructed on page 232. (Ask! They're hungry.)
• AND SKIP ALL FEES AND CLOSING COSTS. See page 230 for the way!

Or better yet, PAY THE INTEREST TO YOURSELF

If you have a retirement plan, this could be the smartest loan of all. See page 233 for the details. Do it right and you'll even get a tax deduction on the interest you're paying yourself! Then...

Take back TENS OF THOUSANDS OF DOLLARS from the good old IRS!

A few years ago, the government sent each of us a rebate check for a couple hundred bucks. Swell. But wouldn't $10,000 to $30,000 be nicer?

No risk required. Because Barbara Weltman also happens to be one of America's most trusted tax experts -- and she'll make America's nightmarish tax laws WORK LIKE A DREAM for you. You could:

• SHELTER THOUSANDS MORE by shifting income to your kids. Page 214
• PAY ZERO CAPITAL GAINS TAX when you take profits. Page 213
• EVEN PAY FOR NEW CLOTHES by deducting your old ones. Page 215
• DON'T PAY TAX ON $250,000 in additional income this year. Page 213
• YET AVOID THE ALTERNATIVE MINIMUM TAX, even if you're exercising stock options! Pages 218–219

You knew that gifts to charity are deductible, but...

A few tax-smart givers get back much more for every dollar they give. They take the deduction and receive lifetime income! Page 216

For heaven's sake, don't risk an AUDIT...

So do check your return against pages 221 and 222. More than 25% of returns contain the same RED FLAG... a common math error!

And if you work with a tax professional, PROTECT YOURSELF

Because he or she can be forced to testify against you at an audit, unless you take the precaution described on page 222 of Bottom Line's VERY SHREWD MONEY BOOK.

Feeling a little richer? Okay, now you're ready to make all the dollars you found on the previous pages earn MILLIONS MORE... just by making every penny pull its weight!

First, make your cash earn TWICE WHAT YOUR NEIGHBOR GETS...

Because low-interest bank accounts are bleeding Americans dry. In fact, the buying power of our cash gets CUT IN HALF nearly every 10 years, just from the effects of "normal" inflation.

So do your future a favor and draw your checking account down to the bare minimum with low or NO FEES. See page 25. Then park your cash in places earning twice as much or better:

• DON'T SETTLE FOR CDs FROM YOUR LOCAL BANK. Instantly find the highest-yielding insured CDs in America by going to www.fisn.com. Then see page 30 for how to get high, long-term rates without locking up your money needlessly.
• HOW DOES YOUR MONEY MARKET FUND stack up against the competition? Why guess? Go to www.bankrate.com^® and find out FREE! Pages 99 and 100
• AND STOP GETTING NICKEL-AND-DIMED TO DEATH. Those "little" ATM fees are fleecing American consumers for more than 4.2 billion dollars a year. Keep your card, but don't pay! See pages 25 and 26.

Next, find out what STOCKBROKERS never tell you...

Like how to buy stock without a broker, at 15% under the market price. See page 123. Then learn...

• HOW TO BAG THE TRUE-BLUE BARGAINS in today's uneasy markets. Before you buy any stock this year, apply the tests beginning on page 71.
• WHEN TO BITE THE BULLET AND SELL. From now on, the day you buy a stock, you'll also have a selling plan. Page 74
• HOW INSIDERS HAVE THEIR CAKE AND EAT IT, TOO. Cash out now, then profit even more if the stock climbs higher. Page 75
• HOW TO RAISE MONEY-SMART KIDS. Make them stock-smart for small change with DRIPs (Dividend Reinvestment Plans)! Buy a single share from any of many market leaders. Then watch your money multiply as dividends get reinvested, commission-free. See page 76 and have some fun.

Then, if ONLINE TRADING intrigues you, grab the goodies and skip the pitfalls:

And protect yourself from TODAY'S BIGGEST BOND RIP-OFF

Millions of Americans over 50 own bonds, but the sad fact is...

Most people who buy a bond never know its real price. Because brokers build their commission right into the price and NEVER TELL YOU HOW MUCH THEY TOOK. You can't even trust the bond "value" on your monthly statement, because bonds aren't traded on any exchange. So make these smart moves before buying or selling:

• CHECK THE INDEPENDENT WEB SITE where the real bond prices are listed. Go to money.cnn.com/markets/bondcenter, then...
• SKIP THE BIG COMMISSION. Buy bonds for a $25 flat fee! Page 82
• AND BEFORE YOU LOCK IN to any maturity period, make the move on page 83. You'll be getting higher yields and cutting your risk.

Next, you'll squeeze even more money from all your CDs, money markets, mutual funds, stocks and bonds. By making them all work together, like a well-oiled machine, in...

The perfect personal portfolio for YOU AND YOU ALONE

Now, you could pay a good financial planner many hundreds of dollars to balance and fine-tune your portfolio. If that's your wish, fine -- see page 14 in your FREE-Preview book for the smart way.

But maybe you'd prefer to have America's top financial adviser do this incredibly valuable job for you, FREE!

Just let Barbara Weltman show you what to do. Turn to Chapter 5 in your FREE-Preview book follow the steps and BANG:

• YOUR ASSETS ARE ALLOCATED to the appropriate percentages of stocks, bonds and cash for your age. Pages 60 and 61
• YOU'RE SAFELY DIVERSIFIED in enough different stocks, bonds and funds so you're getting high returns at lower risk. Page 61
• AND TAKING FULL ADVANTAGE of the new tax laws! Pages 63 and 64

Plus, you'll keep your portfolio growing and churning out money, month after month, year after year, because now you'll know...

• HOW AND WHEN TO REVIEW your portfolio. And rebalance your assets without selling a single investment! Page 62

So now that you're carting away wheelbarrows full of extra money, we've come to the fun part...

HOW TO SPEND IT!

And you'll have even more fun spending it after you learn how to:

• FREE UP HUNDREDS OF DOLLARS MORE in "found money" for the stuff you really care about. Take 10 minutes and fill out the easy budget solution sheet on page 247. Done! Then...
• AVOID FAMILY FIGHTS ABOUT MONEY and get everyone pulling together. Page 243

Best of all, while other families waste thousands of dollars maintaining their homes, you'll transform yours...

FROM MONEY PIT TO MONEYMAKER!

First, you'll make your home the mother of all tax shelters. Learn how to deduct your home's upkeep, repairs, homeowner's insurance, and even your electric, gas and water bills. See page 206. Then discover how to...

• REFINANCE THE SMART WAY. Even a 2-point drop may not justify the hidden costs, but see page 159 to get a better deal and...
• GET A PROMPT PROPERTY TAX REDUCTION. See page 160!

Plus, if you don't own a home, but want to someday, you're closer than you thought:

• GET AN INTEREST-FREE MORTGAGE. That's right, no interest! Thousands of smart buyers are doing this right now. Page 154
• PAY FOR YOUR HOME WITH A $5,000 TAX CREDIT. Little-known loophole—if you live in this state. Page 155

If you're dreaming of a vacation home, don't pay for one... MAKE IT PAY FOR ITSELF!

You can rent it out for 100% tax-free income, then sell it for a 100% tax-free profit! See pages 162 and 163. And speaking of dreams...

You deserve a DREAM RETIREMENT

So stop worrying, because from now on, your money will do the heavy lifting while you sit on the beach and relax!

If you haven't retired yet, you're in far better shape than you imagined... as soon as you open your FREE-Preview book to Chapter 8:

• IRA? ROTH? 401(k)? SEP? SIMPLE? HELP! Start on page 113 and let Barbara Weltman work out the most profitable mix for YOU, then...
• ADD $2,500 OR MORE in "free money" to your plan today! Page 115
• INCREASE YOUR PLAN'S PERFORMANCE, RISK-FREE. Knowing when to take action can more than double the tax-deferred earnings on your contributions. Page 117
• SELF-EMPLOYED? See page 123–124 for secrets that could double or nearly triple your retirement plan tax deductions next year.

Then keep more money pouring in AFTER YOU RETIRE...

• SMARTEST LOW-RISK INVESTMENTS. Rare treasures buried in the mountain of TIPS, Strips, T-bills and Ginnie Maes. Pages 83 to 86
• EMPTY NESTER? Retire early! Turn a $50,000 mortgaged home into annual income of $23,800 for life. Page 262
• TURN YOUR PASTIMES into lucrative businesses and take legal tax deductions even if you never make a cent. Page 171

And squeeze your SENIOR BENEFITS for more than you dreamed! Page 49

How much money is all this advice worth? Well, all told, this book could very realistically enable you to...

LEAVE A $900 MILLION LEGACY FOR YOUR LOVED ONES

MIND-BOGGLING? YES, BUT FOR REAL. Read on and see just how powerful the estate-planning secrets in your FREE-Preview book can be. Even if your nest egg is a relatively modest one...

• YOU TOO CAN USE THE NEWEST SECRET OF THE SUPER-RICH. It's called a "Dynasty Trust" and it's very hush-hush. The laws were quietly passed and signed while TV newscasters said NOTHING.
• ALL YOU DO is put your retirement assets into a special new type of legal "time capsule." Then the money passes from generation to generation, with no additional estate taxes, forever. And as years go by...
• THROUGH THE SIMPLE POWER OF TAX-FREE COMPOUNDING, even an unremarkable inheritance protected in this way can grow to $900 million within the lifetime of your grandchildren.

America's laws ought to benefit YOU, TOO...

So don't let billionaires grab all these goodies! See what it says on page 285 in your FREE-Preview book. Make up your own mind. Then make your estate even more secure, as you learn how to:

• MAKE YOUR WILL SPEAK FOR YOU unmistakably. The government is dictating who gets what for 56% of bereaved families, just because someone didn't take the step on page 274.
• ENSURE EVERYONE KNOWS your account and policy numbers... locations of deeds and certificates... phone numbers of your insurance agent, broker, accountant and lawyer. Page 278
• REPEAL THE 45% DEATH TAX right now and double the amount you're allowed to pass on, tax-free. Page 36
• LOOK OUT FOR YOURSELF, TOO, so your wishes are obeyed and the dignity of your body is respected in the event of disability or accident. Simply turn to pages 290 to 292 to create all the legal documents that you and your loved ones must have now.

At this point, you and your family are set, and all that remains for you to do is...

Keep disaster from your door FOREVERMORE!

Tall order? Not anymore! Just turn to page 33 and rest easy about every insurance question you may have been worrying about...

Like how to get very affordable health insurance even if you were sure you couldn't afford it. Make the move on page 49, then:

• CUT YOUR AUTO RATES by calling a number on page 47.
• GET SECRET DISCOUNTS ON YOUR HOMEOWNERS INSURANCE, by demanding credit for stuff you already do. Page 43
• AND CHECK THE FINANCIAL SOUNDNESS OF YOUR INSURER before your next payment! One phone call. Page 34

Then don't forget to protect your good name
from today's fastest-growing crime,
IDENTITY THEFT

When any stranger telephones...

It's not impolite to protect yourself! Some 14,000 fraudulent telemarketing companies are at work in America, stealing over $40 billion a year. See Chapter 21 and know:

• TODAY'S 10 TOP PHONE SCAMS. Show this to loved ones! Page 297
• HOW TO CANCEL ANY ORDER you make to a telemarketer. Page 298
• WHOM TO CALL if a loved one is victimized. Page 299

Plus, if any telemarketer calls you before 8AM or after 9PM, hang up! It's against the law and no respectable firm will do it.

THEN REST ASSURED, if financial worries arise in the future...

Your FREE-Preview book will quickly have you breathing a sigh of relief! I only wish I could brief you here about all the secrets Barbara Weltman reveals in this amazing ALL-IN-ONE ACTION GUIDE:

And that's just a taste of how sweetly you could be succeeding...

So won't you at least take a look at the book that guides you every step of the way? To let the most trusted financial adviser of our time put you on the road to far greater wealth...

Just CLICK HERE now! There's nothing to buy, so...

Don't let money stand in your way, ever. To start using Bottom Line's Very Shrewd Money Book...

Simply take a moment now, CLICK HERE and...

I'll rush your FREE-Preview volume to your door
(PLUS THE 2 FREE GIFTS DESCRIBED BELOW)

Use it for 30 days FREE. Check out all the money-smart moves I've mentioned in this letter. And then start making them! Call the phone numbers, write to the addresses, visit the Web sites...

Mark up your book and fill out the easy solution sheets provided...

Plus, if you work with any financial professionals, please show them this book too, and hear what they have to say about it.

Because when you do, you'll find out fast why Barbara Weltman's financial guidance is so trusted and sought after by so many of America's most successful individuals and corporations.

On Day 1, you'll move off square one...

And in just 30 days, Bottom Line's VERY SHREWD MONEY BOOK will have already made your financial picture brighter than you ever thought possible. Or just send it back and owe nothing.

But, if you do want to keep it, you'll also profit from a big bonus discount. Nearly 40% off the published price! So please, don't pass up this FREE HOME PREVIEW opportunity. Your first money-smart move is to CLICK HERE.

Order it now! And from this moment forward, every financial move you make is going to be increasingly strong and assured, leading you steadily to the promised land of...

FINANCIAL FREEDOM FOREVER!

With nothing holding you back anymore...

No doubts, no debts, no cause for worry...

A financial foundation that can't be shaken...

A future so great, you can't wait for tomorrow...

And a river of money flowing in to make all your dreams come true!

It all starts the minute you CLICK HERE. So do it...

CLICK HERE right now!

Yours truly,

P.S. RSVP in the next 10 days and I'll rush you 2 FREE BONUS BOOKS: DEBT-FREE FOREVER and Bottom Line's Very Shrewd Money Book ACTION PLANNER. These valuable new volumes were prepared by our editors with help from Barbara Weltman and a team of America's most renowned financial minds. And they're packed with low-risk, practical steps that can have you resting easier, with thousands of extra dollars in the next few months alone. Make that money flow back into your pocket. They're both FREE, WITH NO PURCHASE NECESSARY, so hurry! Order now!

Money pros praise blockbuster book!

"Wow! As an accountant, I usually have a lot of answers, but after reading and re-reading this book, I now have a lot more. Keep up the fine work."

B. Atty, Accountant, Johnstown, NY

"I have an accounting degree and am near to finishing a second MBA. I still find many practical tips that B-school does not teach. This book is loaded with good information!"

M.J. Rhoden, North Augusta, SC

"Helped me find another job and pay off my house early!"

"Just after I received your Bottom Line's VERY SHREWD MONEY BOOK, the plant I worked for closed down. Your book was so helpful about unemployment and benefits... helped me put my 401(k) into a great IRA that is growing all the time... helped me find another job... and pay off my house early!"

M.J. Clark, Lenoir, NC

"This book put my savings on steroids!"

P. Veretto, Greeley, CO

Click Here to Order Your FREE-Preview Now!

These secrets are yours to use for 30 days totally free in Bottom Line's VERY SHREWD MONEY BOOK: Your Personal Action Plan for Greater Wealth.

BOTTOM LINE publishes the opinion of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions.