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.

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