Tithing and charities

Fr. Mario Subjuanite, is one of my favorite priests who delivers his homilies well; the flocks can relate to it.

Among other things, Fr. Mario mentioned about the rich Americans who ended up paupers and some committed suicide. They were heads of big companies, earning big income. Why did they end up in this situation. Did they not share their riches to the poor, did they help the Church?

I would like to call your attention to the Word of God below, especially the highlighted ones.

Luke 12:32-48

Jesus said to his disciples: “Do not be afraid any longer, little flock, for your Father is pleased to give you the kingdom. Sell your belongings and give alms. Provide money bags for yourselves that do not wear out, an inexhaustible treasure in heaven that no thief can reach nor moth destroy. For where your treasure is, there also will your heart be. “Gird your loins and light your lamps and be like servants who await their master’s return from a wedding, ready to open immediately when he comes and knocks. Blessed are those servants whom the master finds vigilant on his arrival. Amen, I say to you, he will gird himself, have them recline at table, and proceed to wait on them. And should he come in the second or third watch and find them prepared in this way, blessed are those servants. Be sure of this: if the master of the house had known the hour when the thief was coming, he would not have let his house be broken into. You also must be prepared, for at an hour you do not expect, the Son of Man will come.” Then Peter said, “Lord, is this parable meant for us or for everyone?” And the Lord replied, “Who, then, is the faithful and prudent steward whom the master will put in charge of his servants to distribute the food allowance at the proper time? Blessed is that servant whom his master on arrival finds doing so. Truly, I say to you, he will put him in charge of all his property. But if that servant says to himself, ‘My master is delayed in coming,’ and begins to beat the menservants and the maidservants, to eat and drink and get drunk, then that servant’s master will come on an unexpected day and at an unknown hour and will punish him severely and assign him a place with the unfaithful. That servant who knew his master’s will but did not make preparations nor act in accord with his will shall be beaten severely; and the servant who was ignorant of his master’s will but acted in a way deserving of a severe beating shall be beaten only lightly. Much will be required of the person entrusted with much, and still more will be demanded of the person entrusted with more.

When we earn, we have to tithe to Churches that tell the truth about the teachings of God, those that do not lead the people astray. Give out to charities to really help the poor and not for your own glory.

Tithing of 10% should not be based after net of taxes or after deductions, but should be based on the gross.

Malachi 3:10

Bring the whole tithe into the storehouse, that there may be food on my house. "Test me on this," says the Lord Almighty, "and see if I will not throw open the floodgates of heaven and pour out so much blessing that you will not have enough room for it.

Unpaid Loan

In our desire to help people who are in need, we extend personal loan without collateral, in the hope that they would pay it voluntarily.In most cases, the debtor, tries to avoid the creditor. The world gets smaller and smaller for the debtor. On the part of the creditor, when the need for that money comes to him, it is difficult to run after the creditor.

This is a wise advice for the creditor from Denny Lyon:

If you lend someone $20 and never see that person again, it was probably worth it.

Visit Denny's blog at:
http://thesocialpoets.blogspot.com/2010/07/funny-brain-quotes-cheeky-quote-day-28.html

For the debtor, this is my advice:

Pay whatever you owe to another person, or a company, big or small, settle it.
The Bible says :
Romans 13:8

Let no debt remain outstanding;except the continuing debt to love one another, for he who loves his fellowman has fulfilled the law.

Ford Explorer 2011

The 2011 Ford Explorer is a beauty, easy to handle economically.
To have it,you have to have a strong desire for it; dream about it, and then act on it.

Go to:

http://www.fordvehicles.com/suvs/explorer/

Alms Giving

When you give alms, don’t blow the trumpet.

When you give alms to the poor, it doesn’t have to be announced for the people to know. When we give, it is our desire in heart to help. When you’re able to help, don’t you feel that gladness in your heart, the happiness showing in your face. At least that is what I feel. Your motivation may be different.

If you give sincerely, it is the Lord who will pay you back, multiplied.

1 Jesus said to his disciples: “Take care not to perform righteous deeds in order that people may see them; otherwise, you will have no recompense from your heavenly Father. 2 When you give alms, do not blow a trumpet before you, as the hypocrites do in the synagogues and in the streets to win the praise of others. Amen, I say to you, they have received their reward. 3 But when you give alms, do not let your left hand know what your right is doing, 4 so that your alms giving may be secret. And your Father who sees in secret will repay you. 5 “When you pray, do not be like the hypocrites, who love to stand and pray in the synagogues and on street corners so that others may see them. Amen, I say to you, they have received their reward. 6 But when you pray, go to your inner room, close the door, and pray to your Father in secret. And your Father who sees in secret will repay you. 16 “When you fast, do not look gloomy like the hypocrites. They neglect their appearance, so that they may appear to others to be fasting. Amen, I say to you, they have received their reward. 17 But when you fast, anoint your head and wash your face, 18 so that you may not appear to be fasting, except to your Father who is hidden. And your Father who sees what is hidden will repay you.”

Generosity multiplied

I joined LinkIn, a group of professionals in their area of expertise. One of the discussions is about giving out of calling cards. There were so many responses to the question if it is alright to include the email in the database of the recipient. Some said no, some said yes. One responded saying that he doesn't mind receiving emails by people who got his calling card. I replied to this person and I said I agree with him. That I am open to opportunities, and sent him two of my websites.

You know what, he replied, saying that "it's funny, but I have a back pain and neck pain".

You may say this is a coincidence. But out of the 11 blog sites I have, I sent him only two and they are: http://ipodmaxzeny.blogspot.com and http://pinoymineralalkaline.blogspot.com. the latter site deals with ailments and recommendations on how to deal with the ailments.

I sent him a sample of the product. I don't normally give out samples, but because of his good nature about the calling card, I gladly responded to his request.

This proves my point about giving out (his giving of the calling card, that he is not bothered if his email is included in the database of the recipient.
Isn't the return to him multiplied, if he gets healed of the pain that has been bothering him for sometime already.

Visualization

If we don't think that we would be achieving our goal, we rational that anyway, I don't really need it. We stop dreaming, so we become lethargic. If you have a dream or goal,you will be propelled to move to reach that dream.

Do you know that when I saw a mini car driven by a woman, I fell in love with that car. It was always in my mind. I dreamed that I was driving it, although at that time I didn't know how to drive. It was there in my waking hours and during sleep. I was obsessed with it.

After a few months, i was given a company car, with exactly the same make of car.

Don't stop dreaming, visualize what you want to have, not just your needs.
God wants us to prosper, but don't you ever forget His precepts.

If you want to have a yacht, visualize, have that burning desire; and always be thankful of your daily blessings .

Life is like a Pendulum

Life is like a pendulum. You may be up now, and be down sometime.

Some people who came from the bottom ladder, will eventually be up the ladder of success, because they are driven to achieve the ladder of success no matter what. Some become snooty, trying to cover up for their humble beginnings, looking down on people who were like them once upon a time.

Some try to ingratiate themselves to those who have more than they have, to benefit themselves, but don’t care for the poor because they will not have any financial gain from them.

Be reminded of these passages from the Lord:

Proverbs 14:31

He who oppresses the poor shows contempt for their maker
But whoever is kind to the needy honors God.

Proverbs 22:9

A generous man will himself be blessed,
for he shares his food with the poor

And success goes to their head, show disrespect to the elders.

1Peter 5:5

Young men, be submissive. To those who are older. Clothe yourself with humility toward one another.

There is an idiom in Pilipino: “Kung ano ang taas ng lipad, siya ding lakas ng pagbagsakas”. (the higher you fly, the heavier is the fall.) This refers to people who have forgotten their beginnings and the help showered to them by their neighbor.

So you may be up now, but you will have to go down. Better learn from the wisdom of the Lord.

Give until it Hurts

I am applauding Warren Buffet and Bill Gates on their call to billionaires to give 50% of their wealth to charity.

Bill Gates used to be the 2nd richest man in the world and Warren Buffet the 3rd.
In 1996 Warren Buffet decided to donate 99% of his wealth to Bill & Melinda Gates Foundation and their family charities. Now, Warren Buffet is number one followed by Bill gates as 2nd.

If you give, it will be multiplied in return by our Lord. You cannot outdo God.

Our parish will be celebrating its feast honoring the hearts of Jesus and Mary tomorrow, June 20. It will be culminated by a mass con celebrated by Bishop Deo Iniguez, Jr. and the priests of the Caloocan Diocese.

Every year, we call on the generous donors to help the parish in its projects. And one of them is the construction of our four-storey, multi-purpose building which will be used as educational center for the community members, meeting room of our Ministries.

It has been over three years and the building is only three-fourths complete. the fourth floor construction has been held pending receipt of some more funds from donors. Our parish will be very happy to receive a portion of that amount that you are allocating for charity, for after all, this will benefit our poor community.

These are what the Lord says about giving:

Proverbs 18:16

16 A gift opens the way for the giver
and ushers him to the presence of the Lord.

Proverbs 28:27

He who gives to the poor will lack nothing,
but he who closes their eyes to them
receives many curses.

2 Corinthians 9:6-8

6 Whoever sows sparingly will also reap sparingly,
and whoever sows generously will also reap generously.
7 Each man should give what he has decided in his heart to give,
not reluctantly or under compulsion, for God loves a cheerful giver.
8 And God is able to make all grace abound to you, so that all things at all
time, having all that you need, you will abound in every good work.

Matthew 10;42

And if anyone of you gives even a cup of cold water to one of these little ones because he is my disciple, I tell you the truth, he will certainly not lose his reward.

Please send your check donation directly to Hearts of Jesus and Mary Parish at Nadurata St. & 7th Ave., Grace Park, Caloocan City, Philippines.

As my blog says, "Wealth in All Areas of Your Life", the Lord will respond to answer your needs, whether financial, relational, emotional, intellectual or physical.

I will be very happy to publish a testimony/ies about this gift giving, not for selfish reasons, but to let other people know that there is generous God who answers prayers, and He cannot be outdone.

Walk with the Lord

Pr 8:19 - 21

19 My fruit is better than fine gold;
what I yield surpasses choice silver,
20walk in the way of righteousness, along the paths of justice,
21 bestowing wealth on those who love me and making their treasures full.

There are people who amass wealth through immoral and illegal activities like drug trafficking, child prostitution, abortion, tax evasion, extortion,etc. And people are wondering why God allows this to happen, they seem to thrive. God is a loving and merciful God, whether you are a sinner(the lost soul) or righteous. He wants the sinners to repent and make restitution.

Are the people on the other side of the law happy? Aren't they anxious, that anytime they would get caught?

Walk with the Lord in the way of righteousness and your treasures will be full, and you will have peace of mind.

Amassing wealth by exorbitant interest

Proverbs 28:8

He who increases his wealth by exorbitant interest
amasses it for another, who will be kind to the poor.

In the Philippines, there are some usurious practices, like lending money called "five:six" (for every five pesos borrowed, the creditor earns one peso or 20% per month, payable in one month on a daily basis.) This is not legal though, but those who are really in need and do not have the capacity to borrow from financial institutions succumb to the loan sharks.

I notice that some lenders earn big money, but lose it eventually because of a lingering illness or accidents where the lender has to spend large sums of money.

Give and it will be multiplied in return.

When I was in need, I used to go to the PEA (Perpetual Adoration Chapel), daily. This was the time when I was at my lowest emotionally and financially. I would always ask for the Lord's message through the scriptures. These are the messages indelibly written in my mind:

1, Matthew 7:7-8

Ask and it will be given to you; seek and you will find; knock and the door will be opened to you. For everyone who ask receives; he who seeks finds; and to him who knocks, the door will be opened.

2. Jeremiah 29:11

For I know the plans I have for you, DECLARES THE Lord, plans to prosper you and not to harm you, plans to give you hope and a future.

3.Luke 5:8

Don't be afraid, from now on you will catch men.

I used to think that I was self-sufficient, that I didn't need to bother other people about my needs, and I would rather be not bothered by others as well.
In other words, I was full of pride (one of the capital sins).

Before, I was so hesitant to give what I have, thinking that what I have would be diluted or diminished, The secret to having more is to give, because the Lord will give you back what you have given...multiplied!This is not only financially, but all areas of your life. But don't wrong anybody.

My thinking was, if you can do it, can also do it or if you hurt me, I can also hurt you. It was a "tooth for tooth and a nail for a nail" attitude. The Lord tested me and I became depressed, I have lost my love ones (left home).
If you are under this situation, the Lord uses somebody to reach out and bring you
back to His fold. He used two friends for me to attend the Life in the Spirit Seminars (5 times), attended prayer group meetings and was a daily visitor of the PEA.

The reason why we have to go Mass every Sunday is to celebrate with the congregation, our brothers and sisters in Christ. We should not be alone, we have to mix and help our brothers sisters in whatever needs they have.

The Lord has His mysterious ways on calling His prodigal children, His lost lambs.
He gave me hope, love, charity and direction.

As for catching men, the Lord led me to undergo spiritual formation to teach children and adults on the good news about our God.

So, suicide is not an option although it crossed my mind when I was at rock bottom and not yet molded.

Life is beautiful! We have different degrees of difficulties, but with God with us, nothing is impossible with HIM. But YOU HAVE TO ASK.

The Universal Law of Cause and Effect

What you sow, is what you reap.
If you sow something negative, you reap negative. Likewise, if you sow positive, you will also reap positive.
An abundance could lead to poverty if you violate the law of God. As in the case of the story below on the only child of NY socialite Astor.

Also, we have to remember that life is like a pendulum. Sometimes, we are up and at times down. But we have to prepare for the coming downs. Just like the ants that store food in preparation for the rainy season.

NY socialite Astor's son given 1-to-3 year sentence
Basil Katz
NEW YORK

NEW YORK (Reuters) - The 85-year-old son of the late New York socialite Brooke Astor was sentenced to at least one year in prison on Monday for looting his mother's estate of money that had been set aside for charity.

Anthony Marshall, Astor's only child, was sentenced to a minimum of one year and a maximum of three years by New York State Supreme Court Judge A. Kirke Bartley, who rejected a request from Marshall's lawyers to spare him prison time.
"It is a paradox for me that such abundance has led to such incredible sadness," Bartley said at sentencing.
Defense lawyers argued prison time would equal a death sentence for Marshall because of his age and poor health, and they appealed his conviction.
Marshall, who looked frail and walked with a cane, was expressionless when the sentence was handed down. At one point during the three-hour sentencing, he appeared to doze off.
He remains free on bail for at least the next 30 days to give defense lawyers time to find a medically appropriate prison and to apply for bail pending the appeal.
A jury convicted Marshall in October of grand larceny, falsifying business reports and other charges tied to his handling of his mother's fortune, estimated to be worth around $200 million.
Prosecutors said he took advantage of his mother's dementia to siphon away her money. Marshall's own son and others have accused him of keeping his mother in squalid conditions, including making her sleep on a couch stained with dog urine.
STORIED FORTUNE
Astor, who married into the storied Astor fortune and represented a bygone era of philanthropic high society, died in August 2007 at age 105.
In amendments to Astor's will, which she signed after she began suffering from Alzheimer's disease, Marshall was given tens of millions of dollars and valuable real estate, prosecutors said.
Marshall's lawyers said Astor voluntarily made changes to her will, signing over the bulk of the money to her son after deciding late in life that she wanted Marshall and his third wife, Charlene Marshall, to be comfortable financially.
Under state law, Marshall would have to serve one year before getting a review of his sentence. He could also become eligible for medical parole.
Astor's estate lawyer, Francis Morrissey, who was convicted of forgery and aiding Marshall in defrauding his mother, also was sentenced to one to three years in prison.
Witnesses in the 19-week trial included television journalist Barbara Walters and former Secretary of State Henry Kissinger.
Actress Whoopi Goldberg was among dozens of Marshall's friends who submitted letters to the court urging leniency.

Remove "baggages" to attract wealth

One the rules in attracting wealth is you have to remove all the “baggages” in your life. We can only succeed in attracting wealth if we clear ourselves of all negatives emotions or baggages of our life like hurt, hatred, unforgiveness, impatience, and other negatives, we have to unlearn some of the things we have learned.

Below is the story of a man who was wrongfully imprisoned for decades and yet he is not bitter.
It is that period of imprisonment where he probably was able to reflect on his life and become closer to God.
God has a purpose on why he allows things to happen, whether it is negative or positive.
The man is headed to a brighter future.


Man wrongfully imprisoned for decades happy to start relearning life
By Rich Phillips, CNN

Tampa, Florida (CNN) -- Meeting 54-year-old James Bain, the one thing that stands out is that the smile never seems to leave his face. He appears happy and positive, and the bitterness that might be buried inside a man who was wrongly sent to prison for 35 years is nowhere to be found.
"I kind of see myself as a man of God and being like Joseph," he said.
"In a sense, I feel like a bear, coming out of hibernation. Like, they come out to eat, mine would be coming out to enjoy what I have missed."
Bain has missed a lot. His life was returned to him and his family in December, when a Florida judge freed him after DNA testing proved he did not kidnap and rape a 9-year-old boy in 1974 in Lake Wales, Florida.
With the help of the Innocence Project, a national public policy organization dedicated to exonerating wrongfully convicted people through DNA tests, Bain left a Florida courtroom and entered a world he had left a lifetime ago. He is now on the outside, in a world that has changed technologically and socially, and one in which he must now learn how to live -- again.
"I've been planning on going back to school, and getting ready to take my driving test again, and hoping to get a motorcycle license," Bain said.
In the backyard of his mother's home in Tampa, Florida, Bain said that he'd like to tour the country on his motorcycle. CNN spoke with him amidst grapefruit and orange trees that weren't even planted when he went to prison so many years ago.
"You spend 35 years in prison, and just the little things, like a grapefruit tree or an orange tree ... those had vanished for me," he said. "I never thought I'd get a chance to see another one of these."
The past six months have been a whirlwind, and Bain has become a celebrity. He was brought to Philadelphia, Pennsylvania, by the Martin Luther King Jr. Association for Nonviolence to ring the Liberty Bell on Martin Luther King day.
When it was revealed that his favorite movie was "Titanic," the owners of the Orlando, Florida, exhibit "Titanic -- the Experience" invited him and his family to spend the day at the site, where characters from the movie tell the story of the sunken vessel.
Noting the movie symbolized hope and strength for him while in prison, Bain said the film sends chills through his body.
"To me, it means love and care for what you feel about other persons, like my sisters and mother. I think about that key word from 'Titanic,' 'Don't ever let go,' " Bain said.
Bain was invited to Orlando by Lowell Lytle, the man who portrays the Titanic's captain, Edward Smith. Lytle was touched by the torment James experienced while wrongly imprisoned.
"It just hit me how horrible that must have been. That man's youth was taken away from him," Lytle said. "I thought, I need to do something to help this man. If I can bring a smile to his face ... to be able to take him through this exhibit here, and take him through an experience he will remember forever, that was fun for me."
During the past six months, Bain also has spoken to church groups and organizations.
"I try to show whoever I'm speaking to about choices. That's my key word. Choice. Only you can make it because you have to live with it," he said.
"My choice was snatched. ... It was taken from me. They didn't leave me no alternative. It's like the old saying, the right place at the wrong time."
But Bain insists that he's not bitter. He said he believes he's returned to a better society -- a better country than the one he left in 1974. He points to the fact that an African-American was elected president.
"I saw a big difference when the president changed, which I never dreamed would happen," he said. "To see that change, that goes to show me, now, that there's a lot of good that we've done in this country."
Bain has been living with his mother in Tampa. He's been paid to speak in a couple of places, money that will help tide him over until his big payday. He and his attorneys have filed with the state of Florida for the restitution that Bain is entitled to -- $50,000 for every year he spent behind bars, for a total of $1.75 million. That's a lot of money to most of us, but not nearly enough to make up for 35 years, Bain said.
"Not even if they gave me $100 million," he said. "Even if they gave me that, it still wouldn't replace what I lost."
He said it's the money that's keeping him on his guard -- and is one reason why he doesn't yet have a girlfriend.
"I just don't want no woman to want me for my money, to be honest with you," he said. "... You don't know what they have planned."

Inflation in another perspective

Turn a negative into positive. Look at inflation in another perspective.
Get it from Michael Masterson, the self-made millionaire!

Getting Wealthy From Inflation

Today, I'm going to tell you how to make a lot of money.
If you are (a) not happy with the 0.5% return you are getting from your bank account, (b) worried about inflation, or (c) uncertain about the future value of your stocks and bonds, pay attention.
In fact, you might want to keep this issue of the Journal around so you can thank me later.
Despite what Timothy Geithner and so many of the other media and government squawkers are saying, the U.S. economy is not returning to health. Businesses will continue to go bankrupt, homeowners will continue to lose their homes, and unemployment will continue to rise.
The financial markets are becoming more precarious. Stock market indexes are up since March of 2009, but PE ratios are now standing at about 24 -- which means that most stocks are 40% to 50% overvalued. The bond market is overvalued too.
It's enough to make you want to stay in bed all day.

But today, I am going to give you a user-friendly game plan for financial success. It is a three-part strategy for protecting whatever wealth you have left and building wealth, starting immediately, over the coming decade.
It is a program that is based on demonstrable logic and proven business experience.

I'm not going to charge you for this plan. You are getting it for free.
If you decide to follow through on my suggestions, I will recommend some additional sources of information that will help you succeed. Buying them will be optional. But the strategy itself will still be free.
How to Protect Against the Threat of Inflation
The biggest single threat to your wealth is not the overvalued stock and bond markets but the very likely probability of a sudden and ruthless period of inflation.
You don't have to be an economist to understand why.
Inflation means rising prices. When the stock market went up from below 700 in March 2009 to 1,200 in April 2010... that was stock inflation. When home prices rose by 80% from 1997 to 2006... that was real estate inflation.
You can make a lot of money during inflationary periods if you buy early (while prices are low) and sell later (when prices are high). But you can get killed if you wait too long and buy late (when prices are high) and then are forced to sell (when prices are low).
So the trick to profiting from inflation is to understand the trend. Getting in early and getting out early.
Pretty simple so far, eh?
The reason the smartest moneymakers in the world are expecting inflation now is because the government has been spending trillions of dollars to try to keep the banks and brokers and insurance companies from going out of business -- even though those same banks and brokers and insurance companies are responsible for inflating the economy to begin with.
The government will never, ever allow these institutions to "fail." Because if they do, we will be in a real Depression... and then all the politicians we voted into office will worry about losing their jobs. Since their cushy jobs (and amazing expense accounts) are their primary priority, they will always approve these huge bailouts -- even though they know that, eventually, they will destroy the value of the dollar.
It doesn't matter what party they belong to. The Republicans started the bailout programs and the Democrats extended them. They fight about spending on health care, but they don't fight when it comes to the big financial institutions.
The government didn't actually have the trillions of dollars they spent on bailouts. They had to borrow it from the U.S. Treasury.
And how do they pay back the U.S. Treasury? There are only two ways. One is by raising taxes; the other is by printing more dollars.
Countless economic studies have shown that there is only so much money the government can get by raising taxes. If they tax people too much, the economy slows down. And when the economy slows down, there is less wealth to tax... so the government's income actually drops rather than rises.
Obama knows that he probably wouldn't be able to raise taxes enough to pay off the debt incurred by the bailouts. Still, he is going to try to tax Americans as much as he possibly can.
Where will the rest of the money come from?
Obama also knows -- as does every other smart politician -- that there is a sneakier and less risky way to pay back the Treasury. And that is to let the dollar collapse.
Here's why: When the dollar depreciates (gets less expensive), it becomes easier to pay off big debts. Who wouldn't want to be using today's dollars to pay for gas that went for $1.50 10 years ago? Or to pay for houses that went for $75,000, on average, 20 years ago? Well, that's what the government will be doing 10 years from now: paying off a debt that won't seem nearly as big as it does now because they'll be paying with inflated dollars.
My Three-Point Plan
Traditionally, there are three types of assets that appreciate during periods of inflation. One is real estate. Another is precious metals. And the third is stocks that are related to commodities.
For example, take a look at what happened to aluminum maker Alcoa's shares during the high-inflation years of the 1970s and early 80s...
From 1972 to 1981, Alcoa's Stock More Than Doubled

And gold's best decade of the 20th century is no contest. It spiked during the hyper-inflationary 1970s, as you can see in this chart...

Since I don't have the space to go into detail on all three parts of my inflation-beating strategy today, I'll focus on the real estate opportunities. I'll talk about precious metals and commodities in a future issue.
Real estate is a good place to start. Hundreds of billions of dollars will be made in real estate by the smart money in the next five to 10 years. My cut of that should be at least $10 million. Perhaps you'd like to join me.
Your Real Estate Plays
It's no secret that half of the world's richest entrepreneurs built their fortunes through real estate. What is less commonly known is that most of their great fortunes were made during inflationary periods... like the one we're facing right now.
Opportunity #1: Taking advantage of real estate prices that are as low as they've been in 20 or 30 years
It is impossible (and foolish) to try to predict the bottom (or top) of this (or any) market. But, by any measure, we have just gone through one of the biggest real estate recessions in the history of the United States.
In South Florida, for example, you can find properties for less than half of what they were selling for at the peak of the market. More important, you can buy these properties with 20% down and start enjoying positive cash flow from month one. (Four and five years ago, you couldn't get positive cash flow out of rental units with 50% down.) So today's prices make sense from a businessman's perspective.
My real estate partner Peter and I have been buying homes in the $120,000 to $130,000 range (after closing costs and renovations). We are getting monthly rents of $1,300 to $1,600 on these. I am financing our deals at 4% (which is good for me). At that rate, we are making about 6% to 8% on our money, not counting appreciation.
My brother is buying up residential properties and apartment complexes in lively downtown areas, beach areas, and areas targeted for "stimulus money" renovation. He is buying at such deep cash flow prices that he is able to pay his investors (including me) minimum guaranteed yields of 7.5% plus equity participation. Because of this, he has raised a considerable amount of money in the last few months, and he is using the money to do some very impressive deals.
He just bought a 14-unit building across the street from the beach for $725,000! Think of that. Each beach-view, one-bedroom unit cost him only about $50,000 -- and this apartment complex could be worth several million in the not-too-distant future. He also now controls three properties in the heart of a rapidly growing downtown, zoned commercial and residential. And even though they're in a prime spot, he is generating yields of over 8%.
Whether with Peter, through my brother, or by myself, I will continue to invest in real estate so long as prices are low. If they go down further, I'll buy more aggressively. I have no risk of losing money, because all the properties I'm investing in are making money on a monthly basis. Even if rents drop, I won't be losing money. The 4% to 8% yield I'm enjoying will cover me even if rents go down another 25%, which is highly unlikely.
I get immediate income from these deals. Instead of getting 0% on my cash, I'm getting a minimum of 7.5% fully secured guaranteed yields by loaning it to my brother, and additional yield from the "after-debt" cash flow.
But the real opportunity is in the appreciation potential. As I said, I fully expect to make an extra $10 million in appreciation in the next five to 10 years as inflation pushes up real estate prices. I might make as much as $30 million, but I'm trying to be conservative.
There are some who say that real estate prices won't inflate with the rest of the economy, but I think they will. Here's why. Buildings are built with core commodities... lumber, copper, aluminum, concrete, steel. Labor is another big expense. You can't have inflation without a rise in those costs.
Plus, as my brother points out, properties in many areas are selling for less than replacement value. In some cases, even if you got the land for free, you couldn't build these homes for what you can buy them for today. That's even after taking depreciation into account.
Last but not least, in many instances, it's already far cheaper to buy than it is to rent. Eventually, this will turn the tide toward buying. It's just a matter of time.
So that's my first inflation-beating recommendation: Start buying undervalued, quality rental properties now. Don't wait for the market to bottom. Just find properties that will give you a net cash flow of at least 4% to 9% after all expenses (including property taxes, maintenance, fees, etc.).
Opportunity #2: Taking advantage of alternative financing
If you don't have the money to invest directly in real estate at this time, you can still make a ton of money by taking advantage of some programs out there that are not being widely publicized.
Let me give you one example:
My brother just bought a large house from Fannie Mae. It's on a corner lot in a good area, and includes a studio that can be rented separately. At the peak of the market, it sold for $335,000. The county currently has it appraised at $181,000. My brother bought it for $80,000 cash. It's an amazing deal. The rental value is $1,750 a month, or $21,000 a year. It will produce about $5,000 in free cash flow a year.
As I said, my brother bought this property for cash -- but it could have been done with just 10% down through Fannie Mae's HomePath program. That means an $8,000 down payment would have gotten you in. If you then sold the property for just half its former peak value in a few years, you'd be selling it for $167,500. That would be a capital gain of $87,500. More than a 1,000% return!
And that ignores the $5K a year in free cash flow or the few thousand you'd pick up in amortization (the reduction of a loan balance over time) -- money you could have applied to closing costs and initial repairs.
Opportunity #3: Taking a position in businesses that are buying up super-undervalued properties
One of the best-run companies buying up undervalued properties comes from north of the border.
I had no interest in this company when real estate was booming. Their income from year to year was lagging behind that of their U.S. peers. I chalked up their bad numbers to poor management. But I recently noticed that their numbers are much better... and I had to find out why.
Turns out their reversal of fortune stems from how they treated their tenants when property prices were soaring. Unlike their competitors, they refrained from putting the squeeze on their tenants by raising rents to the max. As a result, when the Great Recession hit and most real estate companies had a spike in vacancies, this one kept the vast majority of its tenants.
It now has a much stronger balance sheet and more cash on hand than most other real estate companies. And what is it doing with its cash? Buying up cheap properties to take advantage of what it calls "times of distress south of the border." This company is laying the groundwork now for long-term growth. Over the next five years, I expect its stock to advance by 60%-100%.
The company, RioCan, is Canada's biggest real estate investment trust (REIT). It owns Canada's biggest and best portfolio of shopping centers -- 261 retail properties amounting to 60 million square feet. You can find it on the Toronto stock exchange under the symbol REI-UN.TO.
RioCan just bought an 80% stake in seven grocery-anchored shopping centers (that's what it specializes in) in the U.S. It acquired that stake by taking on Cedar Shopping Centers Inc. as its American partner. Before they're through, the two companies will be buying up a slew of below-market-cost properties. Just based on what RioCan's CEO Edward Sonshine says, I can tell that they're drooling at their prospects...
"Many of the properties coming available in the U.S. are of exceptional quality, and are currently being held by stressed vendors, constrained by a lack of liquidity. These vendors are not disposed to sell due to issues with the property. Rather, many of these operators have difficulty meeting demands of lenders and satisfying more stringent conditions on accessing capital. As such, acquisitions can be made at considerably less than replacement costs. In fact, we believe that the next 12 to 18 months are a time of unique opportunities for [RioCan]."
Besides shelling out $176 million for the seven aforementioned properties, RioCan and Cedar just bought their first shopping center together for $20 million, with RioCan paying $16 million of it. And this is just the beginning. Sonshine says that the company "has weathered the storm and is poised to seize the initiative."
It has the money. It has the local partner to help it. It certainly has the determination. And the U.S. market is ripe for the taking. In other words, everything's in place.
And it's not like RioCan is biting off more than it can chew. This is the next logical step for the company to take. It's already in Canada's most densely populated areas. In fact, it expects to deal in the U.S. with many of the same tenants it has in Canada.
Another great thing about this company? It's making its big move south of the border from a position of strength. Its occupancy rate for 2009 was an impressive 97.4%. Its lease renewal rate last year was an equally impressive 92%, up from 86% the year before. Its rental revenues rose by $30 million in 2009, reaching $762 million.
RioCan already ranks among the best of the top REITs in North America. Get this: Its AFFO (adjusted funds from operations) is expected to go up 9% this year and 10% next. Its U.S. rivals specializing in strip malls? Their AFFO, as a whole, is expected to go down by 19% this year and 5% next year.
Amazingly, the price of RioCan's shares is very reasonable. Shares for its U.S. counterparts average 17 times AFFO. For RioCan, shares cost only 16 times AFFO.
This can't last, and it won't. I'm happy (and a little surprised) to be able to tell you about this company before its shares have surged. But we're on borrowed time here. The company is for real... solid and ambitious at the same time. Plus, it gives shareholders 7.1% in cash every year just for owning its shares. In my experience, a company like this doesn't stay below the radar for long.
So that's one company that you might want to consider investing in -- but there are dozens of others. The folks at Liberty Street League have prepared a special report on this that you can only get if you become a member.
When you join Liberty Street League you’ll also get dozens of specific recommendations for building -- and protecting -- your wealth in today's shaky economy, don't forget to check out the fantastic deal that the Liberty Street League has for new members.

[Ed. Note: Michael Masterson welcomes your questions and comments. Send him a message at AskMichael@ETRFeedback.com.]

America's "free money program"

Very few Amerians know this retirement "free money program"
Learn from THB:

Dear THB Reader,
Dr. Eifrig worked on Wall Street... then became a medical doctor... and is now behind an unusual project that is helping many Americans get lots of extra money for retirement.
Now, this isn't the kind of thing you normally see from me...
But I thought it would be particularly beneficial to you because it addresses your health concerns AND your anxiety about living a full, rich life after you stop working.
I don't know of anything else like this that exists in America.
See the full story below...
To Your Best Health,

Maria Dolgova
Associate Publisher
Total Health Breakthroughs

"Steal" your retirement

A Fed-up Minnesota Doctor's Revolutionary Blueprint for Getting the Retirement We Were Promised (without lifting a finger)

Free golf, free cars, free vacations, free drugs, free utilities... even free money...

"It's free money from the government."
- Murray Roth, Martinsburg, WV (cashed in on a $1,000-per-month gov't loophole)

"My first reaction was, this is too good to be true"
- Martin Wells, Seattle (received cash payout to stay in current home)

"This has been the biggest influence on my life by far."
- Chuck Walters, Albany, NY (found a way to turn $100 investment into $50,000)

Dear Reader,

Retirement in America has changed in a big way.

The bad news is, if you're counting on giant institutions (like the government, financial firms, and insurance companies) to take care of you... good luck.

I think you're in for a rude awakening.

The good news, however, is that if you're willing to take off the blinders of institutional thinking, you can (legally) "steal" back your retirement, no matter what your current situation.
In short: I'm talking about how to get the retirement we were promised, and deserve, without doing any extra work or taking big risks.

For example, do you need more money?

Well, you could get a part-time job at Wal-Mart... slash your expenses... or take your chances in the markets.

OR...

You could simply take advantage of several loopholes in the fabric of our financial system, which enable you to get more money every single month, beginning immediately, without doing any work or making a single investment.

Let me show you what I mean...

FREE MONEY from San Diego

Did you know that, if you own a home, there's a little-known way for you to collect an immediate cash payment of up to $100,000 or more...

Without selling, renting, or getting a "reverse" mortgage!

You can take advantage of this loophole, even in this terrible housing market. In fact, it makes more sense right now than ever.

What I'm talking about is a seldom-publicized opportunity for retirees called an "Equity Release" option.

I've been looking into a firm in San Diego that offers this free payday around the country.

In short, you get a large lump sum of cash today... in exchange for a percentage of the future appreciation of your home.

This is not a loan. There are no monthly payments or interest charges. The money is yours immediately, to do with whatever you please.

I know of one 72-year-old guy who recently received a $106,000 payout. He said: "I'm able to continue the lifestyle that I want to live." He adds: "I used to have a choice... I could either travel or paint... or I could fix my house. This way I can do both."

The point is, you get lots of cash immediately... with no strings attached... no loans or interest payments... and literally NO RISK.

Of course, your mortgage company isn't going to tell you about this option. And neither is your real estate agent.

They'd prefer you sell your home, refinance... or take out a home equity loan or reverse mortgage... because that's how THEY get paid.

Well, the way I look at it, it's time for regular hard-working Americans to learn about these secrets, which can radically improve your retirement.

And, this little-known "Equity Release" opportunity in the real estate markets is just the beginning.

Do you know about...

* $1,033 PER MONTH FROM GOVERNMENT: A loophole in the U.S. retirement system now enables you to add as much as $1,033 per month to the money you receive from Social Security... OVER AND ABOVE what you are already receiving. A PhD social security expert we interviewed, who's testified before Congress 16 times, said about this situation: "This is like finding money on the street... over 10 million people could benefit."


* FREE "ANYTIME" ACCESS TO RETIREMENT SAVINGS. Most Americans don't know you can take out and begin using your retirement savings at any age you wish, even if you are in your 40s or 50s... thanks to a Revenue Ruling on IRS code 72(t)(4). It's your money use it if you need it! To me that's a heck of a lot better than having to get a part-time job.


* FREE INCOME FROM "ALTERNATIVE ENERGY": I have a doctor friend who lives in Maine, and recently alerted me to an incredible way to get free money from the government. He's installing a special piece of alternative energy equipment on his property. He'll NET $2,500 a month in extra income paid by the local and federal governments. If there's an easier way to make an extra $30,000 a year, I don't know about it.

There's more "free money" available too, including a federal government program that is now helping thousands of Americans over the age of 62 retire instantly, even if they have no savings in the bank. (The branch of the U.S. government that runs this program says 112,149 Americans took advantage of this program last year.)

I can't say for sure if any of these "free money" programs make sense for you or not, but I think they are definitely worth considering, especially when you realize just one could put thousands of extra dollars in your pocket each month.

Taking advantage of one of these programs sure beats the heck out of finding a part-time job, or having to clip coupons every month.

And it's not just "free money" that's available to you as a retiree in America today.

If you know where to look, you can also take advantage of a whole world of retirement freebies, which 99% of the public will never know about...

Free golf, free drugs, free vacations,
free dinners, free airline tickets,
and much more...

Are you still paying for vacations? How about airline tickets? Or golf green fees... telephone service... a car... hotel rooms?

Well if so, I want to introduce you to a world of retirement freebies that will boggle your mind.

In short, I'd like to show you how to get tens of thousands of dollars worth of freebies (and drastic discounts of 50% or more) for retirement, with no strings attached, thanks to a series of angles and loopholes that are widely available but rarely publicized. Let me show you what I mean

** FREE PHONE CALLS EVEN LONG DISTANCE:
Few Americans know there's a telecommunications company headquartered in San Jose, California, that will give you 100% free phone calls.

Free local calls. Free daytime calls. Free nighttime calls. Free long distance calls in the United States... and even overseas.

The company can do this because of a proprietary software program that allows them to use the existing telecommunications infrastructure to route calls all over the globe... totally free of charge.

I know this sounds impossible... but it's 100% true and totally legal. And I'm not the only one who's onto this. The company has actually been written up in several major media publications...

* USA Today reported that: Anyone willing to try the "software (12 million already have) gets legal, unlimited talk time."

* BusinessWeek says the company's "radical technology and marketing threaten the very foundations of telecom."

My colleagues and I have been using this service for months. There are no age requirements. No income requirements. This free phone option is available to anyone in America.

I estimate you can save as much as $100 a month or more. That's well over $1,000 per year.

There's also...

** 60% OFF AND EVEN FREE TICKETS TO HAWAII
Hawaii is easily one of the best vacation destinations on Earth. Only problem is, it's a long and tiresome flight for most. But check this out...

Few Americans know about a loophole in the airline system that lets you fly first-class to Hawaii for more than 60%-OFF the published fare. The secret is, instead of calling the airline or booking directly on the internet, to instead call the airline's "Vacation" department.

For example, I recently saw a roundtrip price of $1,913 on Northwest Airlines... but the price was just $716 if booked through Northwest WorldVacations. You can get similar Hawaii discounts by using the Vacation departments of United or American Airlines too.

In fact, I even found one incredible loophole in this system, which can get you a first-class flight to Hawaii, totally FREE!

** FREE GOLF
I love the game of golf, but it's a ridiculously expensive hobby. But a good friend of mine has found a way to get 100% free golf, at some of the best courses in the world.

"I would have never believed this was possible if I hadn't done it myself!"
- Martin Paulson, Baltimore, MD, played 44 consecutive
free rounds of golf
In fact, my friend used this secret recently to play 44 rounds of FREE golf in a row (including several courses that are ranked among Golf Digest's Top 100 in the World).

This has nothing to do with a "discount" program... sneaking onto the course... or anything underhanded like that.

Instead, we have found that there's a simple thing every golf course loves, and if you know the magic words, it's like having the keys to a secret kingdom.

All you have to do is make a simple phone call, or send an e-mail or letter (we can show you the exact template we've used).

Even if you use this secret only a few times a year, it can save you hundreds of dollars.

And there's so much more...

** FREE AIRLINE TICKETS:
Want airline tickets across the country or across the globe? Well, you can pay full price ($800 or more)... or... if your travel time is a little flexible, you can pay next to nothing, thanks to a New York firm I know about, which has an unusual relationship with just about every major airline.

I've gotten more than 25 free European airline tickets in my life, and I can tell you, nothing gets your vacation off to a better start than a dirt-cheap flight.

** A FREE CAR?
I realize this probably sounds impossible, but there really is a way for you to drive a world-class car, totally free of charge.

I'm talking about some of the world's top models... Corvette, Porsche, BMW, or Mercedes. What's incredible about this deal is that not only do you get to drive one of these world-class beauties free of charge... you can actually get paid thousands of dollars for... well... simply driving around town in your amazing vehicle!

** (NEARLY) FREE RV:
I don't know about you, but I love trekking across country in a Gulfstream, Newmar, or other top-of-the-line, fully outfitted RV. Well, I found a secret way this year to take one of these vehicles across country for just $24 a day... rather than the normal $160 per day.

How does this secret work?

Well, the companies that rent these giant RVs constantly need to move them around the country, from one location to another. Rather than hire expensive drivers or moving companies, you can volunteer to make the trip for them. In exchange, you get discounts, and can typically take 9 days or more to make the journey.

For example, I recently took a 28-foot, fully-loaded RV on a 5-day trip from Las Vegas to Arizona. I got to use a $95,000 RV for just $22 a day! I'll show you exactly whom to call and what to say to set yourself up for this luxurious practically-free vacation.

** FREE CRUISES:
I had no idea this loophole existed until a friend told me about a way to get a 100% free cruise, to anywhere the cruise lines go.

You don't have to sneak on... take a 2nd class cabin... or wait till the last minute to decide. You'll actually be treated like royalty if you take advantage of this loophole free meals, drinks, and more.

CARIBBEAN VACATION FOR $155.
Few Americans know that there's an incredibly simple way for you to get a big corporation's marketing department to give you a practically-free vacation.

I've used this secret personally to go to Myrtle Beach, Hilton Head, Disney World, and New York City. Next I'm off to Puerto Vallarta... and I'm only paying $155!

** FREE WINE VACATION.
I love California wine country, and one of my contacts in California recently told me about a loophole in the West Coast wine system that enables you to have a free stay at one of the wine estates in Sonoma or Napa Valley. You don't pay anything... it's free!

I have a friend who owns one of these Sonoma properties. I'll give you his number and tell you how this loophole works you can call to arrange a free wine country vacation.

** HALF-OFF COLLEGE.
I'm sure I don't have to tell you how ridiculously expensive good colleges are (The New York Times reported tuition costs rose a whopping 439% between 1982 and 2007). But I've recently learned about what might be the biggest secret in higher education...

How to get a degree at America's top schools, for about HALF-OFF the regular tuition price. You see, in just about every school's admissions policies, there's a secret written into the fine print, which allows you to pay roughly half the tuition as other students... for the exact same degree. This has nothing to do with financial aid, loans, or scholarships.

I can pretty much guarantee no college is ever going to tell you this secret, but if you or anyone in your family is going to college, this one secret alone will save you tens of thousands of dollars.

** HALF-OFF (AND EVEN FREE) CABLE TV.
One of my friends told me recently about a little-known way to literally slash your cable TV bill in half. The cable companies never advertise this secret, but you can take advantage of it with a single, 10-minute phone call... and cut your cable bill to as little as $9 a month. Potential savings: At least $160 per year.

** PLUS
* Free movie tickets (I used this trick just a few weeks ago)...


* How to stay in a "bed and breakfast" (B&B) anywhere in the world for $15 per night (this incredible chain of B&Bs has 4,000 locations around the globe)...


* How to get 50% off your bill when you stay at ANY Hyatt Hotel...


* 50% off train tickets on Amtrak (just be sure to mention this 5-digit code) and much, much more.

I've received lots of freebies in my day... everything from NBA tickets, movie tickets, and opera tickets... to gourmet restaurant dinners, hotel rooms, airline tickets, entire Caribbean vacations, and more.

Should you feel guilty about getting all of these freebies?

Well, here's how I look at it: YOU are the one who's been paying taxes all of these years. YOU are the one who's been helping these big corporations rack up record profits. I think it's time they gave something back to you in exchange.

Let me show you how to begin taking advantage of all these opportunities immediately...

The Retirement Millionaire

My name is Dr. David Eifrig.

If you're wondering how I know about all of these retirement loopholes, it's because I've had a different career track than most...

You see, I've actually "retired" twice already.

I grew up in a middle-class home in middle America... Minnesota to be exact.

"I've received free dinners, plane tickets, vacations, NBA tickets, opera tickets, hotel rooms, and more."
- Dr. David Eifrig, MD,
The Retirement Millionaire
I thought I wanted a career in the financial world, and worked my way onto Wall Street. There I worked for Goldman Sachs, Chase Manhattan, and several other big financial firms.

But after a decade of learning how Wall Street really works, I became disillusioned by the hypocrisy and greed... so I left to become a doctor (I'm still a Board-eligible eye surgeon).

I busted my tail to get through medical school, and spent more than a decade in this field as well. But again, I ran into a stifling system, filled with special-interest groups and wasteful bureaucracy.

In short, I've seen the inside of two of the biggest and most important industries in America... Finance and Medicine. They are both broken, and need to be fixed if Americans are going to have a fighting chance in the years to come.

My experiences over the past three decades have enabled me to become a "retirement expert" on how to take advantage of little-known loopholes... and on getting everything you need for retirement... money, housing, vacations, and more.
And, I am now in the process of doing something I've never done before... and, as far as I know, something no one else has done either.

I'm on a mission to help Americans liberate themselves from the giant institutions that are destroying retirement for a whole generation of regular folks like you and me.

My mission is to expose a world of opportunities most Americans will simply never hear about on their own.

And I'm gong to share what I know and learn in a first-of-it's kind letter called The Retirement Millionaire.

The first thing I'll send you are my 2 brand-new reports on how to take advantage of everything I've described so far...

** Retirement Report #1:
FREE Money Without Working or Investing

Details several incredible opportunities, including how to take advantage of a program that will give you an immediate cash payment of up to $106,000, just for staying in your current home. (Remember this has nothing to do with a reverse mortgage, renting, or anything like that.) I also explain a loophole that enables you to get an extra $1,033 per month from the Social Security Administration... how to immediately take money out of your IRA (penalty-free) no matter what your age... and an incredible government program that pays one of my doctor friends an extra $2,500 a month.

There's another great government program I'll tell you about too, which I haven't yet mentioned. If you are over the age of 62 and meet one simple requirement, it could mean tons of extra cash every month.

** Retirement Report #2:
The Retirement Guide to Freebies

This volume contains little-known but completely legitimate and tested methods to get nearly everything you need for a rich retirement... free of charge. I'm talking about free phone service, free golf, free cars, free cruises and airline tickets, free hotel rooms, free dinners, free college education... and much, much more.

Also, I'd like to send you something else that I think will make a big difference in your retirement.

Let me explain...

Free drugs... free medical care... and other
secrets of the U.S. healthcare system

There's no question that the healthcare industry is America's biggest rip-off.

As a medical doctor with a dozen years inside this industry, I've seen things that would make your head spin...

But the good news is, if you know how to work the system, there are incredible opportunities to get great healthcare at huge discounts, or even free of charge.

Let me show you a few examples of what I mean...

** FREE PRESCRIPTION DRUGS
If you are paying full retail costs for prescription drugs these days, you are, to put it mildly, getting fleeced.

"It's the best-kept secret of the drug business."
- The Wall Street Journal
As a doctor, I can tell you about several legitimate ways to reduce your costs by HALF or more. For example...

1) Did you know you can buy drugs direct from 2 secret sources, which can potentially save you hundreds of dollars a month? For example, the world's most popular drug is Lipitor, for high cholesterol. It typically costs $400 a month! Well, I can show you two sources that can bring down the cost for treating high cholesterol to just $3.33 a month.

2) Totally Free Drugs. Probably the biggest secret of all in the healthcare industry is the fact that you can get just about any type of drug, free of charge. You see, most people don't know that every drug company in the world has a special program that allows you to simply fill out a few forms, and possibly get the drugs you need, 100% free of charge. The drug companies never advertise this fact. And it's highly unlikely you'll ever hear about it from your doctor. But as the Wall Street Journal recently said, it's "the best-kept secret of the drug business."

** GOVERNMENT PROGRAM SLASHES HEALTH BILLS 30%
Here's something even better. Few Americans know about a little-known government program outlined by the "Revenue Ruling 2003-102," which could save you 25% to 35% on EVERY penny you spend on treating a health problem, no matter how big or small.

I'm talking about everything from doctor's visits, drugs (over-the-counter and prescription), and band-aids... to surgeries, aspirin, ice-packs, heating pads, and even stomach antacids.

The great thing is, it doesn't matter how much money you make. You have to meet just one qualification, and if you do, you'll be issued a special card to use every time you pay for just about any medical expense. I'll show you exactly how to do it.

** FREE MONEY FOR RETIREMENT
In 2006, the U.S. government passed another health-related program as part of the Tax Relief and Healthcare Act of 2006. It was intended to help Americans pay for their healthcare bills but what they didn't realize at the time is that they were also creating the retirement loophole of the decade.

"These unusual accounts are like IRAs on steroids."
- John Goodman,
National Center Policy Analysis
In short, there is now a way for you to save money for retirement that you NEVER have to pay taxes on... not when you put the money in... and not when you take it out either.

John Goodman, President of the National Center for Policy Analysis, says these unusual accounts are "like IRAs on steroids." These accounts were created by the healthcare industry, and are now one of the best ways to help pay for your retirement expenses. It's simple to sign up, and can potentially give you tens of thousands of extra dollars for retirement.

These secrets of the healthcare world are just the beginning.

There's so much more I want to tell you too, regarding how you can turn the tables on the U.S. healthcare system. For example...

* How to save as much as 50% off the costs of expensive surgery The Wall Street Journal actually wrote about this secret in their Dec. 6th edition...

* How to quickly and easily resolve any insurance dispute (the insurance companies don't want you to know about this operation in Indiana)... and more.

In fact, everything I've described here, and much more, is explained in full detail in my new report called: The Retirement Cheat Sheet to the U.S. Healthcare System.

This Retirement Report... plus the one on how to Get Free Money Without Working or Investing... and the one on how to get access to a whole world of Retirement Freebies, comes free with a subscription to my new letter called: The Retirement Millionaire.

You see, what I do every month in The Retirement Millionaire is spend several weeks traveling the country to investigate retirement loopholes and opportunities first hand.

For example, in recent weeks, I've been investigating:

** A LOOPHOLE TO WIPE AWAY DEBT?
I'm not sure if this is completely legitimate yet or not, but a colleague tells me there is now a legal and legitimate way for you to completely wipe away certain debt you have with credit card companies and other institutions.

He knows of many people who have done this. I'm looking into it closely, and I'll let you know what I find in the next few weeks. If it turns out to be as good as it sounds, this legal loophole could wipe away thousands of dollars of your debt, with a simple phone call.

** $220-AN-HOUR TO EAT POTATO CHIPS?
If you are looking for several thousand extra dollars per year, I've just learned about an incredible opportunity. In short, there are a group of companies around the country that will pay you up to $220 an hour or more to test their products, and give your honest opinions.

I have a friend who does this once or twice a month, and pockets several thousand dollars a year for his efforts. Just last week, for example, he "tested" some potato chips, and got paid the equivalent of $220 per hour. You don't need any experience. It doesn't matter how old you are or how much you have in the bank. I've asked my friend to explain exactly how you can cash in on this retirement boondoggle.

I also found what might be THE EASIEST WAY FOR ANY RETIREE TO MAKE $100,000 A YEAR WORKING PART-TIME FROM YOUR OWN HOME. Many of my friends are involved in this business, which involves writing simple letters to various businesses and consumer groups.

I'll tell you all about it, and show you exactly whom to speak with to get started.

The point is, I spend all of my time now seeking out little-known investment, financial, and retirement opportunities for regular Americans like you and me.

I've never had more fun in my life... and every day, I continue to be amazed at the opportunities that are available, which for some reason NEVER appear in the mainstream press.

In the past few months, for example, I've traveled to Arizona, New York, Florida, California, Seattle, Texas, and Tennessee. In the next few weeks, I'm off to Alabama, Arkansas, Minnesota, and S. Carolina. In each of these places, I've found an interesting opportunity for you to make more money... to save a ton of money... to vacation free of charge... or to simply turn the tables on corporate America, and put more money in your own bank account.

The best part is, you don't have to leave home to take advantage of these opportunities...

I do all the legwork for you.

I travel to visit the companies behind these opportunities. And to meet firsthand with people who have already taken advantage of these little-known situations. Then I explain what I've found each month in my simple black & white letter, called The Retirement Millionaire. It's delivered by mail and e-mail on the fourth Friday of each month.

If you're interested, I'll also send you my personal emails, twice a month from the road, to let you know what I'm investigating, and what opportunities I've found. I always travel with my laptop, which makes it easy for me to hook up to the internet and send you an update from the road.

As I said, I don't think there's anyone doing anything like this in America right now. And I don't know of anyone who's ever done anything like this in the past, either.

You may have subscribed to various newsletters over the years, but I can pretty much guarantee you've never seen or read anything like what I'll be sending you each month.

If you want to join me on this quest to take advantage of a world of freebies and opportunities that are out there for the taking... all you need to do is take a trial Charter Subscription to my new publication, called The Retirement Millionaire.

If you decide to take a trial charter subscription, you can take the next four (4) months to decide whether my work is right for you.

If not, simply let me know and you'll get a full refund for the money you've paid. No questions asked... no reasons needed.

The point is, this is a new publication, which is unlike anything else out there as far as I know... and I'm not asking you to make any commitment whatsoever.

The work I do is not for everyone and you'll have to make a decision on your own if Retirement Millionaire is right for you.

The good news is, if you decide to have a look at what I'm doing, you are agreeing only to TRY a subscription to my letter to see if you like it. If not, you'll get a full refund, and we'll part as friends.

How much am I charging for my new publication, and how can you get started?

Well, before I give you the specifics, let me tell you about one more thing I recommend you take advantage of immediately, to improve your retirement in a big, big way...

Make 200% or more without
touching ordinary stocks

After spending a decade on Wall Street, I can tell you that if you are buying regular stocks and mutual funds right now, you are making a huge mistake.

You see, most American retirees don't realize there are great alternatives to the mainstream investments pushed by stockbrokers and financial planners. Such as...

THE 217% GOVERNMENT BOND
Most investors don't know you can get in on the recent "bailouts" with publicly traded "bonds," available on the stock market. The last time the government made this opportunity available to investors, the returns were more than 217%. There's no guaranteeing how much these bonds will return this time, but my guess is that you will at least double your money, very safely. Best of all, it's all backed and guaranteed by the U.S. government!

One of these investments is a way for you to get paid extra money, on the shares you already own. As a colleague of mine recently wrote: "I tell all my friends and associates... they must, must, must [use this technique] to bring in easy extra income. After many years of nudging, I finally got my parents into the process... they're hooked now and think it's one of the greatest ways to earn passive income."

Another unique investment allows you to cash in on private companies, which aren't listed on the stock market. This investment has NO fees, is managed by the man I consider THE best investor of the last 50 years, and has crushed the stock market by 800% over the last 16 years, with just a fraction of the risk. As one investor I know of, who used this investment to turn $100 into $50,000 recently said: "This has been the biggest influence on my life, by far!"

I'll send you all of the details of these opportunities in my new Report called: How To Double Your Wealth Without Touching Ordinary Investments.

This Report is included with a one-year subscription to The Retirement Millionaire.

A subscription, by the way, costs just $99. This fee entitles you to a one-year Charter Subscription to my work, plus all of the Reports I've mentioned in this letter.

But here's the best part...

You now have the chance to become one of the first few Retirement Millionaire subscribers, and take advantage of all of the opportunities I've described here.

And if you take a trial Charter Subscription now, you'll save HALF-OFF the regular price.

Instead of the $99 rate others will pay, you'll pay just $49.50 for a full year of Retirement Millionaire, which includes everything I've mentioned here.

And again, you are agreeing only to TRY my work to see if it's right for you. If not, you can receive a full refund, no questions asked.

I hope to hear from you right away.

Subscribe Now to get started.

To a wealthy retirement,



Dr. David Eifrig, MD

P.S. One more thing I think you should know about: The U.S. government is now making it very easy to pay for retirement through an investment vehicle that allows you to own gold and collect extraordinary income from your holdings of more than 15% per year. In short: You can protect your savings with gold... you can make a fortune as gold prices keep climbing... and you can get paid a small fortune in "dividends" while you wait more than 10-times what you would get in any bank account!

This might be the single best retirement opportunity in America today... yet I've never seen it discussed anywhere not a single magazine, newspaper, or television show has covered it as far as I know. I explain exactly how this retirement vehicle works in my new Report called: How the U.S. Treasury Will Guarantee You a Rich Retirement.

http://clicks.totalhealthbreakthroughs.com//t/AQ/AAGgKA/AAGnGg/AAHT7Q/Ag/AuQCuQ/WOQ3

John Calub's preview on Attracting Wealth

John Calub, the famous Filipino motivational speaker is holding a preview on how to attract wealth in all areas of your life, Friday, May 21, 2010.

He normally charges P1,500 for the preview, but he's doing it for free for two hours on a first-come-first served basis.
Don't miss it, call (632) 927-8725293 or email zacsolis@gmail.com.

A Lesson from Billionaire Warren Buffett's son

Wealth in all areas of your life...learn from billionaire Warren Buffett's son.

Read story below.

Warren Buffett's son preaches values as wealth
Reuters

By Christine Kearney Christine Kearney – Mon May 10, 8:36 am ET

NEW YORK (Reuters) – The son of billionaire investor Warren Buffett has an old-world spiritual message for today's money-rich parents: teach your children values and do not give them everything they want.

Musician and now author Peter Buffett preaches the message in his new book "Life is What You Make it: Finding Your Own Path to Fulfillment". Recently released in the United States, it describes how he wound up a "normal, happy" person instead of a spoiled child to one of the world's richest people.

Buffett, 52, teaches the rewards of self-respect and pursuing one's own passions and accomplishments rather than buying into society's concepts of material wealth.

"I am my own person and I know what I have accomplished in my life," he said. "This isn't about wealth or fame or money or any of that stuff, it is actually about values and what you enjoy and finding something you love doing."

People who are born with a silver spoon in their mouth can fall victim to what Buffett said his father has called a "silver dagger in your back," which leads to a sense of entitlement and a lack of personal achievement.

"Entitlement is the worst thing ever and I see entitlement coming in many guises," he said. "Anybody who acts like they deserve something 'just because,', is a disaster."

But Buffett wasn't always this wise. His own family gave him $90,000 in stock when he was 19, a small sum from such immense financial wealth. After studying at Stanford University, he moved to San Francisco and lived in a studio apartment with just enough room for his musical instruments.

"I was really searching," he said, adding that he began his musical career by working for free writing music for a local television station.

"I was kind of lost, but trying to find myself. It was definitely this strange period where I didn't really know where I was going," he said.

LOOKING AT THE BIG PICTURE

As well his musical passions, the values taught to him growing up and a sense of a bigger picture in life stayed with him during those trying times, he said.

"I was not only not handed everything as a kid, I was shown that there are lots of other people out there with very different circumstances," he said.

Although many people he encounters assume that his father wanted him to go into finance, he said his father accepted his choice to become a musician beginning with commercials then his own albums and composing for television shows and films.

"It was encouraged for a moment when I was open to the idea," he said about pursuing finance. But he added that as he grew older, it became clear the financial world "was not speaking to my heart."

Along with the book, Buffett has embarked on a "Concert & Conversation" tour in which he plays the piano, talks about his life and warns against consumerist culture and damaging the environment.

He said he eventually inherited more money after his mother died in 2004, but by then he had learned his lessons. Now he works on giving back to the world -- another of his life philosophies -- which includes through working for his father's NoVo charitable foundation.

"Economic prosperity may come and go; that's just how it is," he writes in the book. "But values are the steady currency that earn us the all-important rewards."

(editing by Bob Tourtellotte)

A Preview of Attracting wealth

In February 2010, I attended the preview of John Calub's seminar on wealth for two hours. In a nutshell, he says not to go against the universal laws of God, don't offend God, take out those baggages like envy, hatred, jealousy,unforgiveness, and other negatives. Don't complain, no justifying, and feel good all the time.

Keep in mind the messages of God through

Jeremiah 29:11 "For I know the plans I have for you”, DECLARES THE Lord, “plans to prosper you and not to harm you, plans to give you hope and a future.

Mat 7:7-8

Ask and it will be given to you; seek and you will find; knock and the door will be opened to you.

Use the technique of visualization. In one month's time, I got what I desired financially.

Welcome wealth

For some brethren, wealth in all areas of our life seems hard to come by: our physical, spiritual, financial, relational, intellectual. Since I have attended the seminar conducted by John Calub, a noted motivational speaker on attracting wealth, my perspective about wealth has changed 180 degrees.

John has proofs about his students acquiring their dreams, check him out!